I love credit cards so much!

Discussion in 'Budget Board' started by FairestOfThemAll37, Jul 18, 2016.

  1. miztressuz

    miztressuz DIS Veteran

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    Ugh, I should have called last week then, I had to put my $500+ oil delivery on my discover... couldn't hold out any longer. I may have been down to $4300 to go if I'd have just picked up the phone :headache:
     
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  2. Lain

    Lain DIS Veteran

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    Wow, was this card even on your radar?
     
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  4. speedyfishy

    speedyfishy DIS Veteran

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    if the spend is hard for your dad you can always refer him to the United Card. You would get 10k United Points for the referal and he would get 40k but the spend is 1k less than the 50k offer. Also, if you go to the United website and act like you are going to book a flight the offer is 50k miles for 3k spend, no annual fee and a $100 statement credit.
     
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  5. wendow

    wendow We create happiness.

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    Yes lol! I've been debating between that one and spg biz. If I can knock the spend out quick, I'll do spg biz also.
     
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  6. Alexle2007

    Alexle2007 DIS Veteran

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    And the $850 for new tires is now on the correct card! Thanks Mr. Tire for accommodating my request
    ideally, you would want to meet the spend after your Dec statement closes so that the bonus points post I n early Jan so you would have almost 2 years of CP. I made sure I hit spend by mid Dec to allow enough time for the transactions to post. I had a 1/1 and 1/4 date which I thought would be great since CP would post in early Jan. Nope, SW was resetting the points and it took until like 1/17 for the points to post. For some reason the 1/1 points took forever to post.
     
  7. afan

    afan DIS Veteran

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    Just need to share cause coworkers or friends would think I'm nuts. Geeking out a bit cause my official wine and dine thread on the run Disney part I of the boards was mentioned on the daily fix today. Stupid registration delay.
     
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  8. SBWB48

    SBWB48 DIS Veteran

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    :confused3. I think this is probably one of the better quarterly categories given almost an endless amount of creativity that can be used to max out the $1500...what am I missing here? :confused:
     
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  9. Albort

    Albort ODV Crew

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    probably has a BCP. :P
     
  10. jhoannam

    jhoannam DIS Veteran

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    If your Dad doesn’t mind sharing his points, he could transfer 55K UR to his UA, book his RT for 70k, + your one way 35k = 105k.
     
  11. SBWB48

    SBWB48 DIS Veteran

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    Of all people, I wouldn't have expected this answer (by itself) from you. Instead, I was expecting, "PAYPAL" :D:laughing:

    Though, BCP makes sense, but can max out the 6K on that easily ;)
     
  12. jhoannam

    jhoannam DIS Veteran

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    The points will post when your statement closes, so if you meet the minimum spend the first month, you will get them when you get your statement.
     
  13. CyndiLouWho

    CyndiLouWho DIS Veteran

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    I have a new Discover card, so I can get 10% with that. We’re also only 3 people so I can’t max grocery on 1 card let alone 2. Plus I get groceries at Costco & Target in addition to Aldi

    Just not that exciting. I preferred Apple Pay though admittedly quite a bit of my spend on that was Aldi.
     
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  14. hsmamato2

    hsmamato2 <font color=magenta>Tink in Training-Good Girl,Bad

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    I'm asking how to use the Avios.... if I see something I'm interested in on the AA site, do I call BA to use the avios? I wish I had an Iberia acct, I could really make use of them that way. I'm so confused in spite of all my reading, and I'm trying to figure out how to use these points. I can search for a different airport, but the route I saw routed with a stopover in London,I'm guessing that's the high taxes?
     
  15. Psychodisney

    Psychodisney DIS Veteran

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    Good idea with the apt/suite box. It didn't like the zip+4, I guess I could use the regular zip.
    Do you ever worry about not including the statement or payment coupon?
     
  16. Psychodisney

    Psychodisney DIS Veteran

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    As far as the best month for the SW cards: I'm planning on doing the same thing in Nov or Dec. Keep an eye out of what the offer is for. For example, last fall they had 40k points vs 50 K points for a while. You want to get the 50K or 60K offers to get you closer to the 110K. Like the others have said, it is very important not to finish the MSR until Jan 2019!
     
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  17. Lain

    Lain DIS Veteran

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    I don’t really think about it. I just make sure the account holder’s name and number is included in the memo line. [ETA: To be clear, I've never had a problem with a Plastiq check not applying to my account. Just give yourself a few extra days before the due date in case anything needs to be sorted out.]
     
    Last edited: Mar 13, 2018
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  18. hsmamato2

    hsmamato2 <font color=magenta>Tink in Training-Good Girl,Bad

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    ....also a question,If I found a floght on iberia site, could I call BA and ask for that flight using my avios? (without transferring,or waiting 3 months) thanks
     
  19. wendow

    wendow We create happiness.

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    Best month to open depends on how long it will take you to meet the MSR and how good the offer is at that time. My friend opened in Oct 2017 when both personal cards were at 60k for the bonus. He held off on meeting the spend until Jan 2018 but any time after the Dec statement closes, you can go ahead and complete the spend since the points should post on the next statement. But he was nervous to do that so he waited. Also, SW gave him 115 days to meet the spend, rather than the typical 90.
     
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  20. hopemax

    hopemax Note to Self:

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    Thanks for the tip about the offer being different after searching for a flight. The only concern about the spend is doing both at the same time. His spending is adequate for doing them one at a time.

    DH and I applied for the United card, and were approved instantly. So I guess we are on our way, lol!

    Thank you! Great, I want to be able to book as soon as we get the necessary points. I know the TDL Mira Costa can book quickly at the 5 month mark. So I am hoping we can have our "ducks in a row" when our booking window for that opens at the end of July/beginning to mid-August.

    Thanks for the idea, about one way sharing. We're hoping we can all earn what we can, so that we can start working on the next trip. My Mom was a Disney CM when she passed. My Dad was able to keep her admission privileges as a surviving spouse, so he can sign us all into the US, Paris, Shanghai and Hong Kong parks so we have a "bucket list" for him so he can do all the things he wanted to do but wasn't able to do with my Mom (cancer sucks).
     
  21. miztressuz

    miztressuz DIS Veteran

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    Yes, from my understanding you have to book through BA to use the avios. I don't see any way to transfer them to AA. It does sound like the high taxes are because of the stopover in London, that's the one constant I've heard from everyone is to avoid routes on BA going through London because of the taxes. I think if you go through your BA account you can see all the award flights available on all the partners, I thought.
     

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