I love credit cards so much!

[Lain]

We both have the Ink Business Preferred. I want to take this opportunity to earn some sign up bonuses. DH has the CSR and this INK. I have this INK and just downgraded my CSP to a Freedom and had both SW cards, just closed one. So I have the INK, Freedom and SW Plus currently. We are open to other cc companies as well.

Are each of your CIPs opened under your and your DH’s SSNs? How do you plan to structure your new rental business? If you set it up as a separate business entity with an EIN, you two could potentially each get CIPs again, since they offer’s Chase’s biggest bonus on their credit cards (80k UR). You could also self-refer from your existing CIPs (20k UR per referral).

Amex also has some great business cards.

 

[wendow]

I had the notebook, green crayon, and red chair from blues clues! Paprika was so cute! I had a compute game with blues clues too. Do you remember the face that would show up before the show and it would be different colors? One time he had slurpy straw glasses and sucked the color from himself lol. I hope someone knows what I’m talking about or I’ll just sound crazy.

I know exactly what you are talking about! My dd18 loved BC's too. She had the notebook of the 'thinking chair' with the big crayon. She had several BC's computer games also. My dh & I loved watching the show with her, and she still talks of her sadness when Steve went off to college lol!

 

[Lain]

My CVS RMN $10 credit posted yesterday from my Monday gift card purchase. I was able to reload the offer this morning and then go straight to the store and get another gift card. Another immediate $10 pending. I'll be getting the rest of the giftcard offers tonight when I do errands.

My Staples RMN purchase from Monday also posted by this morning, and I've added it to my offers again. These are sweet!

My CVS RMN $10 reward also posted this morning. Re-linked CVS again, swung by this morning for another $25 Amazon and a pack of gum, and another $10 is pending.

 

[platamama]

What are your keeper cards?

I have some expenses coming up so of course I need a new MSR. There are no sign-up bonuses that are especially appealing so I'm thinking I should maybe get a "keeper" card -- a lesser sign-up bonus but something that will be valuable over time. I'm over 5/24 so Chase is out and I probably should avoid AmEx as I just got two new AmEx cards last month.

With Chase and Amex out of the picture, and if you have 100K in assets incl investment/retirement accounts, I would check out the BoA Travel Rewards card which gets 2.625% on everything (at the higher Plat Honors tier) and has 0 AF, 0 FTF, but the caveat is that your rewards can only be applied to travel expenses. DH has that one, I have the BoA Premium Rewards that gets me 4.5% on travel/dining and 2.625% everywhere else (again, with the Plat Honors tier, and we have a joint account at Merrill Lynch that makes each of us eligible) for a $95 AF that offers Global Entry reimbursement and up to $100 travel credits per calendar year, and it has a $500 sign up bonus offer on $3K spend (might be good for your upcoming spend?). A nice thing with this card, the cash back can be used as a statement credit and is not restricted to travel expenses like the free card is.

I like my Citi Costco VI (0 AF, 0 FTF, 4% gas, 3% travel/dining, 2% Costco, 1% everywhere else), but it rarely sees any spend outside of gas. Citi Double Cash is a solid choice.

If I had a Samsung phone, I'd get the US Bank Altitude Reserve.

 

[Lain]

What are your keeper cards?

I have some expenses coming up so of course I need a new MSR. There are no sign-up bonuses that are especially appealing so I'm thinking I should maybe get a "keeper" card -- a lesser sign-up bonus but something that will be valuable over time. I'm over 5/24 so Chase is out and I probably should avoid AmEx as I just got two new AmEx cards last month.

Haha. I was going to suggest the Amex Blue Business Plus (BBP/BB+) credit card. 2x MR on every purchase up to $50k/yr. 20k MR/$5k/3 months MSR targeted offer, or 10k MR/$3k/3 months MSR via support link.

With the benefits changes coming to the Amex PRG, I’d put that up there as a keeper card.

 

[elgerber]

I went to credit karma and hit this page...
Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page.
?!?!?!?!?!??!?!?!? is this b/c he's new at credit? I went one page further and they said he needed to verify and send his license photo in....(verify identity) Im' looking directly at his ss card so I know the info is right.... could this be b/c all of our names had a credit freeze on them a couple of years back when the anthem breach happened? I just remembered this, they did some auto protect thing....but it expired last year from that...

They wanted my dd's drivers license sent in also. I never did, and a couple years later when she had a more established history I was able to get her an account without a problem.

 

[WVMomof3]

You Blues Clues people are really showing your age. YOUNG age!!! lol It didn't start until 1996. My DD watched it. Thanks for making us all feel ancient. haha

My favorite was Sesame Street as a kid, followed by Electric Company, Captain Kangaroo and Romper Room. I think I appreciated Mr Rogers more when my kids watched.

 

[Lain]

Do they have his show anywhere?

Could’ve sworn I saw Mr. Rogers’ Neighborhood available on one of the streaming services.

 

[elgerber]

Could’ve sworn I saw Mr. Rogers’ Neighborhood available on one of the streaming services.

It's on Amazon Prime, I just looked

 

[Rjw615]

Newb question here

My DS has two Chase Freedom accounts under her name. One account is a credit card that she has had since she was like 18 and Chase eventually product changed that card to a Freedom. The other account is well over two years old as well.

I was telling her she can cancel the youngest account and reapply and get the bonus again for the Freedom. She remains adamant with me that Chase wont approve her for the Freedom again because of the 2nd account.

I am under the impression you can have multiple Freedom or Freedom Unlimited accounts and Chase will see no issue if you cancel an account and reapply for the same account a short time later?

What say you?

 

[WVMomof3]

And if any of you have young kids and are traveling through Pittsburgh area make sure you stop at Idlewild to ride the trolley through the Land of Make Believe in Mr Roger's Neigborhood.

 

[Lain]

It's on Amazon Prime, I just looked

Yes! We watch Daniel Tiger’s Neighborhood (very much in the spirit of Mr. Rogers’ Neighborhood) all the time on Prime, so that makes sense.

 

[miztressuz]

I'm having a hard time deciding on what card to go for next. I was hoping to fill my last 5/24 slot this year so I'd have a bunch of openings in 2020 when theoretically I could churn cards. Although given the changes recently it might not make it that long Totally open to suggestions.

Hubby is still 3/24 so worst case is he picks up a couple cards if something awesome comes up and I'm locked out. He actually has all the personal cards I planned for him already so that's wide open. The next card he's planned for is a CSP in May/June next year, now that the double dip is dead... unless by some miracle it's resurrected by then... off the support link from my CSP, assuming that loophole still works at that point since it'll be after I downgrade mine.

Tentative thoughts so far on Chase cards I don't already have:

• CFU - will downgrade CSP to get this next year.
• SW - this was part of the plan, but I could go for the biz version instead if can find another card (breaks vow on year between biz cards, but it's not an Ink so I feel it's justifiable and it'd be about 6 months since last card)
• United - maybe? I have no love for them but I do have some points already and sometimes they are the best route. but Biz version has higher bonus.
• BA - probably not. I have some Avios but I can't think of a good way to use them. Unless they better than the United option?
• Marriott - locked out due to SPG. SPG personal would be my non-Chase card to burn my 5/24 slot on.
• Starbucks - no. (I don't how I missed it but it has an AF?! WTH?)
• Amazon - no. P2 has it, see no reason to have 2.
• AARP - honestly would consider it but not at this juncture, I'd go for the CFU bonus first. Is it subject to 5/24?
• CIP - Assuming I don't go 6/24 this year, I'll drop below 5/24 again after 5/19 so current plan was to "spend" the $95 CSP fee on the CIP for that bonus instead (whatever that bonus might be) next year. (but if I get a Chase and SPG personal, then I'm stuck until next Dec)

I think these aren't subject to 5/24 still, correct? So even if I wanted them I'd be better holding off.

• Hyatt - probably not. We already have 3 hotel programs and we don't travel frequently enough to really support that as-is.
• Disney Premier - probably not. Have to have an awesome sign up bonus.
• IHG - probably not. I've got the Select card and it suits our needs. I don't need to buy points for the AF yet plus I haven't used my unrestricted free night yet.

Other non-Chase cards are the SPG personal and maybe Hilton personal for me. Last card hubby needs is a no AF MR card so he can close his Green card. Wanted to try for the 20k BBP, but if we do that I'm not sure we'd have enough spend for me to get a higher MSR card too. I'd have to stick with 1k or less that I can fund bank accounts with (that's about the level of MS I'm sorta comfortable with.) Or we do the 10k from a support link, I'm more interested in the fact it's no AF business card than the bonus, otherwise he could go for the ED card from my support link to get a higher bonus with the 15k + 10k MR from that.

This was a little easier when I could double dip the last slot, I could grab a 'meh' card too and not care so much. And given how everything has turned out, I don't regret taking up slots 3 and 4 with my Sapphire double dip. My original plan was for the Marriott card to be #5 but that's out, so I cancelled my SW for a shot at another bonus. If they keep 24 month language on SW we're setup to alternate churning a card each year since hubby got his last Dec. But I have a nagging feeling I'm missing out on something by grabbing a card I've had before rather than expanding the portfolio

On the plus side, I'm already getting emails from SW for credit card offers. (FYI, nothing good yet) For a little while they kept trying to sell me the card I already had, and if they would have given me another I may have done it but I suspected you couldn't hold two Premiers at the same time, but I think they finally realized the mistake and went back to no offers for any of the cards. (not even an upgrade offer when Priority came out) I'm hoping for something sweet like hubby was targeted for last year, the Plus @ 40k but $100 stmt credit, but not holding my breath.

So torn between attempting to get all the Chase cards we may want for myself and then using hubby to double up, which means we both need to keep an eye on 5/24, or just going 5+/24 and keeping hubby open for the rest of the Chase cards we haven't picked up yet. (i'd love lol/24 but our expenses just won't support it ) I'm not good at decisions, I like to have my cake and to eat it too.

 

[MKTokyo]

I went to credit karma and hit this page...
Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page.
?!?!?!?!?!??!?!?!? is this b/c he's new at credit? I went one page further and they said he needed to verify and send his license photo in....(verify identity) Im' looking directly at his ss card so I know the info is right.... could this be b/c all of our names had a credit freeze on them a couple of years back when the anthem breach happened? I just remembered this, they did some auto protect thing....but it expired last year from that...

That is exactly what happened to me. It's not you or your son. It's Equifax.

https://aa.econsumer.equifax.com/aad/landing.ehtml

I chose "believe you may be a victim of fraud" because I had no idea what was going on but you can actually pick "denied credit."

I'm almost positive they're going to tell you that your son's accurate info is inaccurate.

 

[palhockeymomof2]

I'd look into AMEX and MRs. They have Biz Plat, BGR, BB+ all earning MRs. The one caution now with AMEX is that you probably need to commit to continuing to spend some on these cards beyond the MSR.

Thanks....I’ll go look into thoses...is there any one you’d recommend getting over the others ?

 

[AmyAnne]

I'm a fan of the Citi Double Cash, and it does have a $150 sign up bonus right now, which is fairly unusual for that card. I know you said no Amex, but the Blue for Business Plus earns 2x MR on every dollar spent and is also a tremendous daily driver.

Also good - Citi TY Premier (if only because TY points are hard to accumulate).

The Citi Double Cash sounds like a possibility. I did have a Citi TY card about a year ago and found the TY points really hard to use. I was able to use them on a flight right before I closed the card but I actually could have gotten a better value using UR or MR points on that flight, but wanted to use the TY points so I could close the card.

I have 9 AmEx cards right now -- 2 acquired within the last month -- so I really think that another AmEx card would be testing the limits.

With Chase and Amex out of the picture, and if you have 100K in assets incl investment/retirement accounts, I would check out the BoA Travel Rewards card which gets 2.625% on everything (at the higher Plat Honors tier) and has 0 AF, 0 FTF, but the caveat is that your rewards can only be applied to travel expenses. DH has that one, I have the BoA Premium Rewards that gets me 4.5% on travel/dining and 2.625% everywhere else (again, with the Plat Honors tier, and we have a joint account at Merrill Lynch that makes each of us eligible) for a $95 AF that offers Global Entry reimbursement and up to $100 travel credits per calendar year, and it has a $500 sign up bonus offer on $3K spend (might be good for your upcoming spend?). A nice thing with this card, the cash back can be used as a statement credit and is not restricted to travel expenses like the free card is.

I like my Citi Costco VI (0 AF, 0 FTF, 4% gas, 3% travel/dining, 2% Costco, 1% everywhere else), but it rarely sees any spend outside of gas. Citi Double Cash is a solid choice.

If I had a Samsung phone, I'd get the US Bank Altitude Reserve.

I do have the Citi Costco card. No Samsung phone. Most of our retirement funds are at Fidelity or TIAA. Between the quarterly categories from Chase and Discover, and the need to put some spend on AmEx cards (although some of those 9 will be cancelled within the next year -- although not before they have been open for a year!), I don't think I would spend enough on the BoA card for the extra 0.625% to add up to much.

Haha. I was going to suggest the Amex Blue Business Plus (BBP/BB+) credit card. 2x MR on every purchase up to $50k/yr. 20k MR/$5k/3 months MSR targeted offer, or 10k MR/$3k/3 months MSR via support link.

You guys are trying to get me in trouble with AmEx! I have actually been trying to pull up the regular Plat 100K or even 75K offer from AmEx but I'm getting nothing more than 60K -- AmEx obviously has decided that it's not worth the extra points to them for me to get this card.

 

[DisMommyTX]

I was planning to have DH apply for the Chase Sapphire Preferred and Reserve cards using one of the same day application strategies. He has never had either, and with the new 48 month rule... We are small time players in the points/miles game, rotating Southwest cards for companion passes, occasional BA Chase with a couple long-term cards thrown in. Great credit, income, and card utilization. Both apps would keep him under 4/24. Are there any data points or threads regarding the odds that this might trigger a Chase shut down?

 

[palhockeymomof2]

We both have the Ink Business Preferred. I want to take this opportunity to earn some sign up bonuses. DH has the CSR and this INK. I have this INK and just downgraded my CSP to a Freedom and had both SW cards, just closed one. So I have the INK, Freedom and SW Plus currently. We are open to other cc companies as well.

If you want to get all the Chase cards while your under 5/24...you could look at the Chase Ink Cash CIP or Chase Ink Unlimited CIU....both business cards have a 50,000uR sign up bonus and are no fee cards

 

[WVMomof3]

I was planning to have DH apply for the Chase Sapphire Preferred and Reserve cards using one of the same day application strategies. He has never had either, and with the new 48 month rule... We are small time players in the points/miles game, rotating Southwest cards for companion passes, occasional BA Chase with a couple long-term cards thrown in. Great credit, income, and card utilization. Both apps would keep him under 4/24. Are there any data points or threads regarding the odds that this might trigger a Chase shut down?

Double dip is a no go now. Sorry. You will have to pick one or the other. Chase will shut down one of them if you try for both.

 

[miztressuz]

Newb question here

My DS has two Chase Freedom accounts under her name. One account is a credit card that she has had since she was like 18 and Chase eventually product changed that card to a Freedom. The other account is well over two years old as well.

I was telling her she can cancel the youngest account and reapply and get the bonus again for the Freedom. She remains adamant with me that Chase wont approve her for the Freedom again because of the 2nd account.

I am under the impression you can have multiple Freedom or Freedom Unlimited accounts and Chase will see no issue if you cancel an account and reapply for the same account a short time later?

What say you?

In this case your DS is correct, the Freedom card states "This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months." on the application. You can have multiple cards through product changes like she ended up with, but you shouldn't be able apply for a card that you currently hold - they'll deny the application. She'd have to cancel and/or product change both of them in order to be eligible to apply for a new card.

Seems like she could cancel the youngest as you suggest and then PC the other to a Freedom Unlimited. Then she could apply for a Freedom. Or, I think the sign up bonuses are the same so she could just sign up for the Freedom Unlimited to get the bonus if that's all you're after.