gottalovepluto
DIS Veteran
- Joined
- Jul 14, 2014
Kinda glad DoC did, some of the readers seemed pretty unaware. I think we've done a decent job over here of giving people a heads up on this topic, and by "we" I basically mean @SouthFayetteFan
Kinda glad DoC did, some of the readers seemed pretty unaware. I think we've done a decent job over here of giving people a heads up on this topic, and by "we" I basically mean @SouthFayetteFan
Ditto.I'm soooooo tempted by the SPG points sale, esp. since I'm working on SPG Biz spend still (although I just looked, and I will have no trouble meeting the spend organically, so no need to spend more money). But I don't have a specific airline transfer trip planned, and it seems expensive if you're just going to use them for hotel nights. But it seems like lots of people are investing in them, so I've got a little FOMO going on...
Hahaha - it's the responsible thing to do. We have a lot of newer folks here and I definitely want to protect everybody from the hassle and frustration of a shutdown.Kinda glad DoC did, some of the readers seemed pretty unaware. I think we've done a decent job over here of giving people a heads up on this topic, and by "we" I basically mean @SouthFayetteFan
I have come to the same conclusion. Other good thing is it is sorta like money laundering....I buy points and then I tell DH I booked a mom/daughter trip to WDW on points. None of that is a lie and he is none the wiser.
DPs indicate that having a banking relationship with Chase has no bearing on shutdown. There are even DPs of people in Chase Private Client being shutdown. I don't think having an account makes you more at risk...I don't think having an account makes you safer. It literally appears to have no affect. The one thing that does seem to have a bearing though is having a Mortgage of any sort. The assumed reason for this is because it's harder to disappear off the grid if you own real property
I think you were charged the $150 because what you did was not an "upgrade" your ticket had to be re-booked. I have VERY limited knowledge but researched this out a bit a couple months ago and switching from a Saver Economy ticket to a Saver First Class on United requires you to be re-booked so they get to charge the change fee. Certainly sounds like it was worth it though!I'm not totally current on posts this morning, so you might have gotten what you are looking for, but we upgraded to UA first class on flights from SFO to LHR last summer. I originally used UA miles to book economy saver awards with the hope of getting an upgrade later. I was realistically just hoping for business class saver upgrades. Starting a month or so out from our flight, I started checking our flights on the UA website several times a day. I think it was about 6 days before our departure date that I saw 4 first class saver awards open up and just about lost my mind. I was literally shaking as I called United to secure the upgrades. I transferred UR to my United account to cover the additional miles needed while on the phone with the agent, and she was able to book the saver first awards. Oddly, after I got off the phone, I could see the first class tickets/seats in my United account, but the extra miles hadn't been deducted. In an abundance of caution, I called back a couple of hours later and, sure enough, the first agent hadn't actually completed the process of our upgrade. Luckily, the seats were still available and the second agent completed the upgrade. She ended up charging me $150 per ticket for the upgrade, which in hindsight I don't think was correct (I don't think there should have been a charge), but I was so happy with the upgrade for that 10-hour flight that I honestly didn't care about paying $600. Totally worth it.
ETA: I'm not sure, though, that you can use miles to upgrade a flight paid with cash. Or maybe it's vice versa, and you can't use cash to upgrade a flight paid with miles.
I'm not saying harder to "qualify". The people getting shut down are getting approved for the cards typically. This is back to the bust-out risk factors - if you look like a bust-out fraudster (i.e. signing up for lots of cards so that you can max them out and then vanish)...you probably don't have a mortgage tying you down.Good news on the banking relationship bad news on the mortgage. Who knew paying off our house would make it harder to qualify for a credit card! I would think owning a home would make it more difficult to up and leave also!
Part of me is super uncomfortable now, hahaI have come to the same conclusion. Other good thing is it is sorta like money laundering....I buy points and then I tell DH I booked a mom/daughter trip to WDW on points. None of that is a lie and he is none the wiser.
I think you were charged the $150 because what you did was not an "upgrade" your ticket had to be re-booked. I have VERY limited knowledge but researched this out a bit a couple months ago and switching from a Saver Economy ticket to a Saver First Class on United requires you to be re-booked so they get to charge the change fee. Certainly sounds like it was worth it though!
Enabler.Sounds like a great plan!! Will the new Starriott cards offer elite nights at sign-up? I need to go back and review . . . everything is swirling together in my head. I'm surprised I'm not having dreams about Marriott and SPG at night . . .
So here is my thinking...and you have the math brain to help me think through this and whether it's totally dumb or incorrect thinking...I am thinking if we got the CFU under this offer, we'd put every single expense on it (apply under dh, get replacement card for me add both teens as AU'ers). I'd move all my plastiq spending to this card (that alone is $2800 month). If we put everything on this card, I could legitimately put $4500-5000/mo on it. Then we have things like college tuition in the fall and spring, which would be additional big chunks plus any other unexpected expenses. I'm estimating 60k in a year pretty easily.
I'm not sure about what other cards I want. The CIC was the main one I was after next. Then maybe a spg biz for me. I was going to go for SW CP late this year but I think our Hawaii plans have changed and since we really only fly 1-2 times a year, and we have a lot of points right now, I'm not sure I *need* to do that. I think, other than the CIC bonus decreasing, every other card could probably wait a year.
What do you think? Pick my scenario apart cause it makes sense in my mind but you are much better at all this than I am. I do know UR are my main point love. I'd rather earn UR's than any other points.
ETA: Could even do some bank account funding with this. I've been stuck in Amex land for so long, I forget all you can do when you are paying with a visa
Honestly, on paper I’m at risk for a shutdown because of number of cards (avoiding Chase for now )DPs indicate that having a banking relationship with Chase has no bearing on shutdown. There are even DPs of people in Chase Private Client being shutdown. I don't think having an account makes you more at risk...I don't think having an account makes you safer. It literally appears to have no affect. The one thing that does seem to have a bearing though is having a Mortgage of any sort. The assumed reason for this is because it's harder to disappear off the grid if you own real property
OMG that Citi website sucks, as does their IT. I cancelled DHs Citi AA Biz last year after 6 months because of it. Could never get it to work. Despite IT help, I couldn’t change settings or add alerts, we didn’t get statement emails every month. Awful. IT would say, “ok it’s fixed, log in and add an alert “ I would and even they would acknowledge it didn’t go through and they couldn’t figure out why. I finally gave up (I’m the finance/bill pay person in our family).Decided I should put some normal spend on the Citi AA Biz i got back in Oct so gave it a shot at Best Buy today- declined. Of course. 10 mins after being on the phone with Citi the fraud alert is cleared, maybe, because this is Citi. On the bright side, the fraud alert that showed every time I've logged in for the last 5 months is gone. (I'm not terribly irresponsible, I tried to clear that twice, after over an hour of the phone with csr's and IT telling me everything was fine I gave up.) Citi, I love your AA bonuses- but C'MON!
Alas, if they did they wouldn't be shutting down their Chase Private Clients.Honestly, on paper I’m at risk for a shutdown because of number of cards (avoiding Chase for now )
But IRL, I have a husband, a kid, a mortgage, same job for over 10years, live 4 blocks from my childhood home, where my mom still lives. I’m not going anywhere (even if I wanted to. lol) I doubt they take the real picture into account.
Oh god- there truly is no light at the end of this tunnel is there?..OMG that Citi website sucks, as does their IT. I cancelled DHs Citi AA Biz last year after 6 months because of it. Could never get it to work. Despite IT help, I couldn’t change settings or add alerts, we didn’t get statement emails every month. Awful. IT would say, “ok it’s fixed, log in and add an alert “ I would and even they would acknowledge it didn’t go through and they couldn’t figure out why. I finally gave up (I’m the finance/bill pay person in our family).
My wife just clicked down to 3/24 on April 1. By June 1 she will be 0/24. We are hitting Chase with the LARGE min. spends first - here's our rough strategy:
12/2017: Delta Gold Biz (counting for 2018 since most of the spend was this year - we cashed out via Target gift cards)
01/2018: AMEX Blue 4 Business Plus
04/2018: CIP (approved and working on min. spend now)
07/2018: CSR/CSP double dip
TBD Late 2018: TBD AMEX Biz card (to slow the roll with Chase)
Late 2018/Early 2019: CIC
Beyond that she will hit SW Biz, SW personal, CF, CFU
I will click under 5/24 in spring 2019 and then I can hit CIP, CSR/CSP, CIC, etc. myself
We basically have a strategy that goes 2+ years out from now
I told DS and he thinks that’s pretty cool! He was excited to get a Patrick Sharp jersey today and we’re going to see Chicago Wolves vs Rockford IceHogs AHL playoff game to tomorrow night. The Blackhawks tix are so expensive, we’re trying to get in some AHL games instead.oh yay! My boys are 8 & 10. I will have to tell them to look for the other Blackhawks kid on board.