I love credit cards so much! v3.0 (see first page for add'l details)

[brownhaired_girl]

2 Thoughts:

1) I don’t like that somebody mentioned this on r/churning We don’t need the masses to figure it out! Leave it on FT but don’t spoon feed it there!
2) They never updates the website where they typically announce this.

Can anybody confirm it’s working? I have no reason to think it wouldn’t. Should be able to extend to 4/1 thru 6/20 or something like that!

Working. 12 flights changed

 

[Alice Sr.]

True Confessions... I screwed up a bank bonus

Guys- I don't screw up bank bonuses. I'm meticulous! ...but I missed this detail, was moving too fast and I did not do my double check before the date passed to qualify

Incredible Bank ran a $175 checking promo for like a day. I got in on it. I did my direct deposits, enrolled in online banking but missed the requirement to download the app. Months later bonus day came and I didn't get it. I chatted and the said I didn't qualify as I didn't download the mobile app.

So is it the missed money or that fact that you screwed up that annoys you the most? I have been thinking about looking on DISchurner for a bank recommendation. I did Chase a year or so ago but technically I wanted it, and it is still open even though I have not really committed to it (still use my BoA from IL). I'm not great at fine print (outside of work) so maybe I'll hold on to that thought for a bit until things settle a bit at work.

 

[SouthFayetteFan]

@SouthFayetteFan or @Lain

I will be booking (and paying for out of pocket) our positioning flights on Southwest from PHX-LAX-PHX as soon as the dates open up. Right now available dates are only through early-mid August so I am guesing I still have about 3 months (does that sound right?)

I am reasonably certain I will be able to find very decent Wanna Get Away fares going both directions. Since I'll be paying for these, is there anything special I need to do or be aware of, or any particular card I should pay for them with, if I don't have an MSR that I need to work on? I was thinking I could use the CIP since that's what I used to pay for the fees for the ANA flights. Good idea or no?

What day are you booking a flight for?

 

[Alice Sr.]

Just popping in here to say baby girl arrived safely yesterday. We are officially a travel party of 8 now ♥View attachment 465189

Oh my gosh, she is perfect!

 

[ten6mom]

What day are you booking a flight for?

Not till November 14 and returning November 26, 2020

ETA, if it makes a difference, 2 tickets each direction

 

[KPK02090]

Just popping in here to say baby girl arrived safely yesterday. We are officially a travel party of 8 now ♥View attachment 465189

Beautiful! Congratulations!

 

[palhockeymomof2]

I want to refer DH for an Amex Delta gold for the 60k offer that ends 1/29/20. Does Amex care that he just got a Chase card in December?

Amex will not care about the Chase card

 

[orangecuse]

Approved for the next Chase biz! This works well because P2 can’t get the next one for a little so I can spacethe spend.

Also- Plastiq randomly gave us $155 FFD?? No clue why

 

[palhockeymomof2]

What is this about?

Check out the info on our private reddit DISchurners group

 

[mmmears]

Congratulations on the new addition to the family, @mamathompson. She's beautiful.

Away’s co-founder decides she won’t step down as CEO after all.

This one is so bizarre. SMH over here.

 

[SouthFayetteFan]

Not till November 14 and returning November 26, 2020

ETA, if it makes a difference, 2 tickets each direction

So the next release goes through 10/31 and that's expected in March. I'd say 3 months is about right! But that could change at any time.

 

[snugglebug]

Post on churning that Southwest free change window is active. FT says 4/14-6/6.

2 Thoughts:

1) I don’t like that somebody mentioned this on r/churning We don’t need the masses to figure it out! Leave it on FT but don’t spoon feed it there!
2) They never updates the website where they typically announce this.

Can anybody confirm it’s working? I have no reason to think it wouldn’t. Should be able to extend to 4/1 thru 6/20 or something like that!

Thank you! Confirmed! Saved some RR lol

But, why is Max8 still on the schedule? One of my flights was/is a Max8 until I just changed it. I thought the whole change window was in regards to removing Max8. If I've said too much I apologize and will edit.

 

[bernina]

Just popping in here to say baby girl arrived safely yesterday. We are officially a travel party of 8 now ♥View attachment 465189

Congratulations, she is absolutely perfectly precious. I miss those little hand grips.

I used to call them motorcycle grips. Always reminded me of reving the engine on a bike.

Enjoy every minute

 

[SouthFayetteFan]

Thank you! Confirmed! Saved some RR lol

But, why is Max8 still on the schedule? One of my flights was/is a Max8 until I just changed it. I thought the whole change window was in regards to removing Max8. If I've said too much I apologize and will edit.

They may not have made the changes yet. When the window opens they start changing things. Your plane will probably be adjusted. Some flights will go poof or times get adjusted too. For most of us none of the matters...we're just...playing the game

 

[LuckyMamaInDE]

Or...Why not CIC and BBP? If you're considering BBP you might as well take advantage of the increased offer right now...But if you're 3 months from your last Chase card then I'd also get another one of those too! HAHA!

I'm of course assuming that the MSR isn't a problem to handle...

$10K $8K oh boy! The CIC would be taken care of pretty easily at Staples etc. And I could swing the BBP, but that would mean shifting away from putting spend on my Plat to keep the Amex gods happy. Do you see that as a problem for 3 months, having considerably lower spend on the Plat? Later on this year I'm planning on a Gold and moving into Hilton cards.

I think those are all solid choices, but I would lean toward URs. While the BBP is nice for non category spend, with only a 15k SUB, that would require quite a bit of spend to make up for the 50k URs. Part of the appeal of the BBP is the opportunity for 15k cross support and if your DH doesn't like getting too many cards you may not utilize that.

Can dh support me from his Gold? I can't get into his account right now (his devices aren't here and the log-in isn't on mine).

And what I get for looking in the app instead of the web - there's actually a few more Hilton's out there that all expire 3/31:
Tru by Hilton
Spend $150 or more, get $30 back

Hilton brand hotels in Puerto Rico
Spend $350 or more, get $60 back

Could be others? I think I just have those 3.

Sheesh I only have Hiltons in UK, Mexico, and Europe. I could use some offers for March when we drive down to Florida.

Looking for an affordable, packable down jacket. I think there are some hiker/outdoor folks on here. Any recommendations? Thanks.

I bought the Lands End version when it was 40% off. It is so lightweight, packs down quite small, yet is very warm. It worked very well with a shirt and hoodie underneath when we were on our tiger safari drives in India (open vehicles, 40 degrees). A warning though---the men's version is different from the women's and does not pack down as small because it's made from a different material.

 

[SouthFayetteFan]

If you aren’t aware what the FREE SW CHANGE DEAL is all about, head over to the DISchurners News thread. I posted about it there. If you need help feel free to PM me.

 

[wanderlust7]

My upgrades take a few hours to reflect on the site. Definitely check back tomorrow.

Plat upgrade is showing up online now. Whew! Thanks @Lain @tink1970

 

[wannabee]

Wow-- thanks so much on the SW info-- just saved some RR points for my May flight to FLL

 

[SouthFayetteFan]

$10K $8K oh boy! The CIC would be taken care of pretty easily at Staples etc. And I could swing the BBP, but that would mean shifting away from putting spend on my Plat to keep the Amex gods happy. Do you see that as a problem for 3 months, having considerably lower spend on the Plat? Later on this year I'm planning on a Gold and moving into Hilton cards.

Can dh support me from his Gold? I can't get into his account right now (his devices aren't here and the log-in isn't on mine).

Sheesh I only have Hiltons in UK, Mexico, and Europe. I could use some offers for March when we drive down to Florida.

I bought the Lands End version when it was 40% off. It is so lightweight, packs down quite small, yet is very warm. It worked very well with a shirt and hoodie underneath when we were on our tiger safari drives in India (open vehicles, 40 degrees). A warning though---the men's version is different from the women's and does not pack down as small because it's made from a different material.

I can’t speak on the spend thing - although I’d hope it’d be fine since Amex is still getting the spend. Your husband can support you from a gold card so that makes it an even better move!!

 

[platamama]

That's right, I did think of that, but didn't get a chance to look at the actual return. I do get a few of those credits, so that would definitely make sense. Which would then mean that I effectively paid 38% on those bonuses.

ETA: You were right, I lost $400 retirement savings credit. So then the numbers totally make sense. Thanks for solving the mystery!

To piggyback on what @SouthFayetteFan said, can you shunt some of that bank bonus income into a traditional IRA so that it reduces your AGI so that you can recover your retirement savings credit? You have until April 15, 2020, to contribute to an IRA for 2019, so it's not too late for that!