MsOnceUponATime
DIS Veteran
- Joined
- Sep 10, 2014
Question - cruises and paying with CSP AND gift cards - as long as I pay a portion of the cruise with my CSP I have those trip cancellation/etc., bennies, correct?
If you're not going to pay it off, I wouldn't recommend any top tier card for the sign up bonus. The interest rates are also top tier so you don't want to accidentally leave a balance subject to interest on them. The Chase payment plan doesn't charge interest but price out the fees vs a lower interest card. Sometimes the fixed fees are higher than the interest rates. I haven't looked too hard into it so I can't speak specifically for how Chase structures their fees currently. I also don't think you can know in advance what plan terms they'll offer you, so you may not get the length of time you'd want. Then if you couldn't pay it completely you'd be at the mercy of the normal interest rate.
Since you're considering your Disney Visa which only has a 6 month 0% (maybe? Quicky look on a new application doesn't mention the DVC purchase as a Vacation financing benefit like it used to. But maybe I missed it.) I'd assume you have a plan for short term payment. Using the Disney card would only net you 2% back whereas a new card with a sign up bonus and 0% purchase interest intro period should get you a higher return. If it were me, I research 0% purchase cards that have a sign up bonus. (And make sure I could pay it off within the intro term) There's definitely options for 12 months on some business cards but if you're not comfortable with having a business or "business", then there may be some personal cards that fit the bill. If biz is ok consider the Chase CIU but depending on the purchase price the credit limits might not work out. (Some get the minimum CL of 3k, so some research is in order)
Thanks to Tik Tok I've gotten on HYSA Tik Tok. I have my $90k just sitting in discover, my daughter has about $15k to worry about now, and my mom has about $27k she wants to put somewhere. Wealthfront was mentioned a few times and w/ referring (which we would do between us) the rate would be 5.05% I think. Anyone use them? I think the fine print says you can only extend the 5.05% for 6 mos total. So I think if we sign up w/ a link we get 3 mos, then 1 referral would get another 3 mos.
Okay back to reading 28754 pages!
Earn $2501 — here’s how: |
|
Apply and get approved for an American Express® Business Line of Credit between 6/1/2023 and 8/31/2023 at 11:59pm ET. Then, simply add and verify your Funding primary account on or before 8/31/2023 and we’ll deposit $250 into it. |
Got it today. Deleted it, I don't want to mess with a business line of credit at all.Has anyone else received the below offer from AmEx? I'm wondering if it would be worth applying (with no intention of using the LoC) to get the $250.00? Is there a catch I'm missing?
Earn $2501 — here’s how: Apply and get approved for an American Express® Business Line of
Credit between 6/1/2023 and 8/31/2023 at 11:59pm ET. Then, simply add
and verify your Funding primary account on or before 8/31/2023 and
we’ll deposit $250 into it.
In regard to offsetting the Disney ticket cost I just read that the CSR has groceries as a PYB category. You could buy DGC at the grocery store and use your points at 1.25cpp to “erase” the purchase. Not sure how many URs you have, but could be an option if you have no other use for the points. Other than that I like cash back cards for these things. I recently delved into US Bank business cards for the cash back bonuses. I value my URs too highly right now for PYB, and so cash back bonuses are my personal preference for offsetting Disney costs. But I did use PYB in the past when I was flush with URs.Hello to the brain trust! Have a “WWYD” situation:
Heading to CA in May 2024: 3 nights of hotel stays (1 in LA, 2 in Fairfield) and 4 nights at either Air BnB or VRBO in Anaheim for DLR portion of trip. Have enough URs/SW to cover all flights and booking hotels through Portal, but will deplete me somewhat. Also would be nice to defray the DL tickets and rental house costs somehow.
Currently have the following:
Disney - forever
Amazon - forever
CSR: 4/2021
CFU: 5/2022
Chase SW: 5/2022
Chase Bonvoy: 9/2022
CIU: 5/2023 (meant to apply for Cash Unlimited and screwed up)
IHG has hotels I’d like to stay at in both locations, and great signup bonus right now. However, I just applied for Chase Ink on 5/1/23. I know a general rule is to keep apps 90 days apart. Should I forego the IHG offer now and try to catch the next good one? Also any ideas on defraying Disneyland ticket/ house rental costs? Thanks as always!!!
90 days from bonus is the suggested time period. It's not written in stone. In your situation, 2 cards last year, 1 card this year so far is fairly light churning. Also, I'm assuming you are talking about the IHG Biz card for 165K. I'd go for it, if you can swing the spend for both cards. You'll still be 3/24 since it's a business card.Hello to the brain trust! Have a “WWYD” situation:
Heading to CA in May 2024: 3 nights of hotel stays (1 in LA, 2 in Fairfield) and 4 nights at either Air BnB or VRBO in Anaheim for DLR portion of trip. Have enough URs/SW to cover all flights and booking hotels through Portal, but will deplete me somewhat. Also would be nice to defray the DL tickets and rental house costs somehow.
Currently have the following:
Disney - forever
Amazon - forever
CSR: 4/2021
CFU: 5/2022
Chase SW: 5/2022
Chase Bonvoy: 9/2022
CIU: 5/2023 (meant to apply for Cash Unlimited and screwed up)
IHG has hotels I’d like to stay at in both locations, and great signup bonus right now. However, I just applied for Chase Ink on 5/1/23. I know a general rule is to keep apps 90 days apart. Should I forego the IHG offer now and try to catch the next good one? Also any ideas on defraying Disneyland ticket/ house rental costs? Thanks as always!!!
Hello to the brain trust! Have a “WWYD” situation:
Heading to CA in May 2024: 3 nights of hotel stays (1 in LA, 2 in Fairfield) and 4 nights at either Air BnB or VRBO in Anaheim for DLR portion of trip. Have enough URs/SW to cover all flights and booking hotels through Portal, but will deplete me somewhat. Also would be nice to defray the DL tickets and rental house costs somehow.
Currently have the following:
Disney - forever
Amazon - forever
CSR: 4/2021
CFU: 5/2022
Chase SW: 5/2022
Chase Bonvoy: 9/2022
CIU: 5/2023 (meant to apply for Cash Unlimited and screwed up)
IHG has hotels I’d like to stay at in both locations, and great signup bonus right now. However, I just applied for Chase Ink on 5/1/23. I know a general rule is to keep apps 90 days apart. Should I forego the IHG offer now and try to catch the next good one? Also any ideas on defraying Disneyland ticket/ house rental costs? Thanks as always!!!
If you are looking to lessen costs (not eliminate completely), IHG often sells points for as lows as .005cpp. So you can compare that versus paying for the room. For example, perhaps the points cost is 35k per night and the cash price is $225w/taxes. During a sale you could buy those same points for $175.Hello to the brain trust! Have a “WWYD” situation:
Heading to CA in May 2024: 3 nights of hotel stays (1 in LA, 2 in Fairfield) and 4 nights at either Air BnB or VRBO in Anaheim for DLR portion of trip. Have enough URs/SW to cover all flights and booking hotels through Portal, but will deplete me somewhat. Also would be nice to defray the DL tickets and rental house costs somehow.
Currently have the following:
Disney - forever
Amazon - forever
CSR: 4/2021
CFU: 5/2022
Chase SW: 5/2022
Chase Bonvoy: 9/2022
CIU: 5/2023 (meant to apply for Cash Unlimited and screwed up)
IHG has hotels I’d like to stay at in both locations, and great signup bonus right now. However, I just applied for Chase Ink on 5/1/23. I know a general rule is to keep apps 90 days apart. Should I forego the IHG offer now and try to catch the next good one? Also any ideas on defraying Disneyland ticket/ house rental costs? Thanks as always!!!
Thank you! Everyone here is so friendly and knowledgeable.
I know it's subjective, and everyone will have differing advice, but I'm seeking opinions about what to do next. The goal is to accrue travel rewards mostly for LONG TERM use (i.e. not anything sooner than 9 months from now). No specific destinations in mind as we travel all over. Travelling party will be two adults and two young children. Preferred airline is American (lots of accrued miles, elite status, and AA has hub in local market) and we also have access to Southwest flights. No hotel preference (rewards members of Hyatt, Bonvoy, Hilton). Monthly spend around $5k and no balances. Main spending is on groceries, online shopping, to-go dining, and gas. Main stores we frequent are Walmart and grocery store chains. We both have Pre-Check, but not Clear. We do occasionally go to pharmacies and could get GC's, but we don't use pharmacies much currently. CS's are well north of 800 for P1 and P2.
P1:
11/22 - BOFA Unlimited Cash Rewards
06/23 - CSP
P2: AU on both of P1's accounts.
Edited to Add - We have several other store branded cards, one AA credit card, and a DV, but all these accounts are much older and way beyond 24 months ago since opening. The current thinking is to have P2 get CSP later this year and then downgrade one of us next year before the AF to CFU or CFF. I also want one of us to have the CFF or CFU, whichever one we don't get/have from the downgrade. What to do otherwise is the main advice being sought. We are interested potentially in Amex Platinum (we would be heavy W+ users and Exxon gas discount), and I know there are obviously many other great cards out there.
I got bumped out of Polaris by United on May 15 (I posted previously in detail about this debacle). I was told we would each get $500, but the gate agent could not get the vouchers to print. He told me I should have an email by the time I got to London, but told me to contact customer care if I didn't hear anything. Of course, no email so I reached out to them on May 16. I got the auto reply confirming receipt of my inquiry that day. It is now June 5 and I have heard nothing. The auto email does say it can take up to 8 weeks to research complex issues, but this is not a complicated case. Gate agent said he put the notes into our account about exactly what happened and what he promised. Anybody deal with United and have suggestions about ways to get a response?
I was actually remembering your story when I came across this headline. I almost didn’t read the article because the title is obnoxious, but as I continued to read on it sounds quite similar to your situation.I got bumped out of Polaris by United on May 15 (I posted previously in detail about this debacle). I was told we would each get $500, but the gate agent could not get the vouchers to print. He told me I should have an email by the time I got to London, but told me to contact customer care if I didn't hear anything. Of course, no email so I reached out to them on May 16. I got the auto reply confirming receipt of my inquiry that day. It is now June 5 and I have heard nothing. The auto email does say it can take up to 8 weeks to research complex issues, but this is not a complicated case. Gate agent said he put the notes into our account about exactly what happened and what he promised. Anybody deal with United and have suggestions about ways to get a response?
Good to know. We will likely redeem this year but, since SW RRs go for better than a penny a point, I'll go with the 1099 rather than a higher, fair market.If you were tax savvy and had an actual redemption value for that year that you could claim the actual fair market value realized, but Chase will still have reported based on their value. Not tax advice, just putting out some food for thought.
I this situation I would try calling. I've never had a good experience with United, like ever.I got bumped out of Polaris by United on May 15 (I posted previously in detail about this debacle). I was told we would each get $500, but the gate agent could not get the vouchers to print. He told me I should have an email by the time I got to London, but told me to contact customer care if I didn't hear anything. Of course, no email so I reached out to them on May 16. I got the auto reply confirming receipt of my inquiry that day. It is now June 5 and I have heard nothing. The auto email does say it can take up to 8 weeks to research complex issues, but this is not a complicated case. Gate agent said he put the notes into our account about exactly what happened and what he promised. Anybody deal with United and have suggestions about ways to get a response?