I love credit cards so much!

[miztressuz]

I will pay off my card each month, I do not have a Disney Visa, Maybe I should just get a secured Discover It card and make payments until my credit score goes up, I tried for a Chase Amazon card 1 year ago and got turned down... or maybe a quicksilver capital one card.....

Sometimes when you're looking to rebuild credit you may get stuck with a card with a small annual fee just to get more positive data points posted on your report. Hubby did that for a couple years while working through a mistake on his report. I know Capital One is known for having a range of products for credit levels, but the one for average credit that also earns rewards has a $39 AF (QuickSilverOne). If you haven't yet, I'd check out their description for Excellent and Average credit and compare to your history to see where you think you fall in there. Maybe you could qualify for the regular Quicksilver card and avoid the fee. But the secured Discover's not a bad choice, it earns cashback with no AF at least and you can turn it into an unsecured later to keep the length of account going. I don't know a whole lot about Discover's process but I wonder if you apply for the regular card and if denied you can get them to reconsider and at least issue the secured version? That way it's only one inquiry. Many years ago I argued my way into my Discover card when it was initially denied, not sure how much they've changed, but could be worth a shot.

 

[SouthFayetteFan]

There is a DP in the r/churning DD thread that somebody was able to get a 2nd bonus on the CIP without waiting 24 months using the same SSN (no EIN trick, no special sorcery...just straight up applied again 11 months after earning the bonus). They canceled the other one first...

https://www.reddit.com/r/churning/comments/9h4720/daily_discussion_thread_september_19_2018/e6aafu1/

Proceed with caution if you decide to attempt it, but this one is pretty interesting...

 

[Calfan]

Fun Discussion Question:
Which "churning high" do you find best/most exhilarating?
1) Approved for the card (you like me, you really like me!)
2) Receiving the card (yay the mail is here!)
3) Meeting the MSR (i.e. completing the last purchase to finish the MSR!)
4) Seeing the bonus points post/go pending (whew...they didn't shut me down or use the T&Cs against me, lol)
5) Redeeming the points (not the physical act of traveling, rather the on paper act of redeeming, lol)

Any thoughts??? Figured this might be a fun discussion for our group here

Definitely 4) for me (seeing them actually in my account), but followed very closely by 1). My heart still starts to beat a little faster while I wait for the computer to spit out a response to a new app, lol. If 5) were modified slightly, it would rank up there too. But it would have to be scoring a great redemption (like Biz or First) that I wasn't sure I could get.

 

[palhockeymomof2]

Fun Discussion Question:
Which "churning high" do you find best/most exhilarating?
1) Approved for the card (you like me, you really like me!)
2) Receiving the card (yay the mail is here!)
3) Meeting the MSR (i.e. completing the last purchase to finish the MSR!)
4) Seeing the bonus points post/go pending (whew...they didn't shut me down or use the T&Cs against me, lol)
5) Redeeming the points (not the physical act of traveling, rather the on paper act of redeeming, lol)

Any thoughts??? Figured this might be a fun discussion for our group here

I’d say 1....although I have an excellent credit score, I never applied for a lot of cards before now so excited when approved

 

[SouthFayetteFan]

Fun Discussion Question:
Which "churning high" do you find best/most exhilarating?
1) Approved for the card (you like me, you really like me!)
2) Receiving the card (yay the mail is here!)
3) Meeting the MSR (i.e. completing the last purchase to finish the MSR!)
4) Seeing the bonus points post/go pending (whew...they didn't shut me down or use the T&Cs against me, lol)
5) Redeeming the points (not the physical act of traveling, rather the on paper act of redeeming, lol)

Any thoughts??? Figured this might be a fun discussion for our group here

I didn't answer this myself yet...but I gotta say I'm a #1 person. Even after 65 approved cards...I still get SUPER excited when that approved pops up (whether it's auto, or went pending and later converted to approved).

 

[alryan]

Does CVS have Disney GCs in store? I searched online and couldn't find anything on their site.
How many times can you do it at each store?
This is great!

I believe you can do each offer 3 times per month at each store. You have to wait until the offer posts to do it again. Not sure how long that takes. I just did Walgreens for the first time two nights ago and it is still pending.

 

[GusGus16]

Going to say #5 love spending those points!

 

[calypso726]

Does CVS have Disney GCs in store? I searched online and couldn't find anything on their site.
How many times can you do it at each store?
This is great!

Yes, just bought one now and triggered the RMN offer.

THanks to everyone who discussed RMN. It prompted me to look into it and download the app. I added the CVS, Walgreens and Home Depot offers. Today after my acupuncture appointment (still dealing with the Bell's Palsy), I decided to trot off to all 3 stores and bought a Disney GC at each one. I got the notification immediately afterwards. YAY! Thanks guys, can't believe I'm getting $30 back on $75!

 

[LuckyMamaInDE]

They'll have it listed on their site, probably the most accurate way to find out.

Found a list but clueless about the booking situation

most *A partners are bookable with UA miles. im not sure if there is one u cant book.

Thanks

If you do a flight search on the UA site and tick the box for an award search, partner flights that are bookable using UA miles will show up. That’s how I found the Business Saver awards on Swiss for our Africa flights. More award options (including partner options) will show up if you have a UA credit card and are logged in to your UA account when you search.

That might be the issue--no UA credit card yet!

I know that 11 *A airlines operate in Australia as per United's website: AC, CA, AI, Air New Zealand, ANA, Asiana, Eva, Singapore, SA, Thai, UA. So now I have to figure out which would be worth looking into lol Guess I"ll need to wait until dh gets a United card in (checks notes) 4 months or so.

 

[SouthFayetteFan]

Yes, just bought one now and triggered the RMN offer.

THanks to everyone who discussed RMN. It prompted me to look into it and download the app. I added the CVS, Walgreens and Home Depot offers. Today after my acupuncture appointment (still dealing with the Bell's Palsy), I decided to trot off to all 3 stores and bought a Disney GC at each one. I got the notification immediately afterwards. YAY! Thanks guys, can't believe I'm getting $30 back on $75!

Are you telling me I’m going to have to consider looking into this too?? LOL! I’ve been resisting thus far haha.

 

[LuckyMamaInDE]

Fun Discussion Question:
Which "churning high" do you find best/most exhilarating?
1) Approved for the card (you like me, you really like me!)
2) Receiving the card (yay the mail is here!)
3) Meeting the MSR (i.e. completing the last purchase to finish the MSR!)
4) Seeing the bonus points post/go pending (whew...they didn't shut me down or use the T&Cs against me, lol)
5) Redeeming the points (not the physical act of traveling, rather the on paper act of redeeming, lol)

Any thoughts??? Figured this might be a fun discussion for our group here

I'm a baby churner so it's a cross between 1 (though I have excellent credit I still get concerned) and 4. I love seeing those sweet, sweet UR

Though I am SO EXCITED to finally redeem points for a big vacation!

 

[Lain]

Fun Discussion Question:
Which "churning high" do you find best/most exhilarating?
1) Approved for the card (you like me, you really like me!)
2) Receiving the card (yay the mail is here!)
3) Meeting the MSR (i.e. completing the last purchase to finish the MSR!)
4) Seeing the bonus points post/go pending (whew...they didn't shut me down or use the T&Cs against me, lol)
5) Redeeming the points (not the physical act of traveling, rather the on paper act of redeeming, lol)

Any thoughts??? Figured this might be a fun discussion for our group here

#1, followed closely by #4. I haven't been denied a card yet, but I always hold my breath while waiting for that decision. Who knows when the banks will decide they've had enough of me taking them for thousands of dollars in bonuses and not earning a cent of interest from me? And oh, I love seeing those bonuses post and watching my points balances grow.

#2 - Most cards have very "meh" designs and come in a plain white envelope. Not exciting at all. The only cards that have wowed me are the Amex Platinum cards (beautiful card, beautiful packaging) and the CSR (my first metal card), and a bit surprising, the Marriott Biz (because I wasn't expecting a sleek metal card).

#3 - Meeting MSR is a bit anticlimactic. Then the wait for the bonus begins. Unless I have another new card lined up, I'll probably keep spending on that card and other cards according to their bonus categories and offers.

#5 - I hate seeing my points balances drop :-(

 

[afan]

Was able to do RMN at Kohl's and HD today, still need to get to CVS. Weird thing at Kohl's though. I didn't get a filler, just the gc. Used my AS biz and it approved but on the cashier's screen it asked for the CVV which she didn't know what it was. So she rips open the back of the starbucks card, thankfully it's for me and not a gift otherwise ugh! trying to find this number. She finally says she doesn't understand and I told her that's the number on the back of the card which I gave her. She input it and I signed and all was done. I've never had an in store purchase ask for that though and I'm wondering if anyone else that bought just a gc at Kohl's has had that happen. I don't really mind since they ask for it online anyway but at the same time I do mind that they required it.

 

[Oscar Madison]

I believe you can do each offer 3 times per month at each store. You have to wait until the offer posts to do it again. Not sure how long that takes. I just did Walgreens for the first time two nights ago and it is still pending.

Okay, by "waiting until the offer posts" you mean until I can click on it again in the app to activate, or waiting until money is credited to the account? Thanks

 

[Oscar Madison]

Are you telling me I’m going to have to consider looking into this too?? LOL! I’ve been resisting thus far haha.

Resistance is futile..

 

[afan]

Okay, by "waiting until the offer posts" you mean until I can click on it again in the app to activate, or waiting until money is credited to the account? Thanks

You have to wait until the link to card is available again.

 

[Albort]

Fun Discussion Question:
Which "churning high" do you find best/most exhilarating?
1) Approved for the card (you like me, you really like me!)
2) Receiving the card (yay the mail is here!)
3) Meeting the MSR (i.e. completing the last purchase to finish the MSR!)
4) Seeing the bonus points post/go pending (whew...they didn't shut me down or use the T&Cs against me, lol)
5) Redeeming the points (not the physical act of traveling, rather the on paper act of redeeming, lol)

Any thoughts??? Figured this might be a fun discussion for our group here

6) MS. @speedyfishy will tell u... :]

Found a list but clueless about the booking situation



Thanks



That might be the issue--no UA credit card yet!

I know that 11 *A airlines operate in Australia as per United's website: AC, CA, AI, Air New Zealand, ANA, Asiana, Eva, Singapore, SA, Thai, UA. So now I have to figure out which would be worth looking into lol Guess I"ll need to wait until dh gets a United card in (checks notes) 4 months or so.

depends on where u want to go. most alliances basically try to cover the world as much as it can. I know *A does suck when it comes to Australia though.

 

[Oscar Madison]

Fun Discussion Question:
Which "churning high" do you find best/most exhilarating?
1) Approved for the card (you like me, you really like me!)
2) Receiving the card (yay the mail is here!)
3) Meeting the MSR (i.e. completing the last purchase to finish the MSR!)
4) Seeing the bonus points post/go pending (whew...they didn't shut me down or use the T&Cs against me, lol)
5) Redeeming the points (not the physical act of traveling, rather the on paper act of redeeming, lol)

Any thoughts??? Figured this might be a fun discussion for our group here

I only just started this process, so I've "accomplished" 1 and 2. I'll say 2.

 

[Gwmw1210]

50,000 URs now pending on my CSR!!! Wow I’m on cloud 9 - a successful Double Dip now complete. Super pumped guys...

Congratulations! Right there with you. Reading about all the closures had me a bit concerned. So glad I decided to get the spend going and completed on both. Just hoping that would allow me to slip by. Phew!

 

[calypso726]

Fun Discussion Question:
Which "churning high" do you find best/most exhilarating?
1) Approved for the card (you like me, you really like me!)
2) Receiving the card (yay the mail is here!)
3) Meeting the MSR (i.e. completing the last purchase to finish the MSR!)
4) Seeing the bonus points post/go pending (whew...they didn't shut me down or use the T&Cs against me, lol)
5) Redeeming the points (not the physical act of traveling, rather the on paper act of redeeming, lol)

Any thoughts??? Figured this might be a fun discussion for our group here

Oooh, it's a tie between 1 and 5. I love an instant approval and always feel good once I get the approval and the card arrives. I hate deflecting bonus spend to meet MSR to be honest but do get super happy once the points post.

Redeeming is my ultimate exhilarating moment though. That keeps me on cloud 9 for days. There is nothing like booking a trip and paying for most of it with points. I am still in awe that we were allowed to book some amazing flight in a suite or with a shower, stay in a frou frou spendy hotel, experience an all inclusive luxury resort in the desert surrounded by endangered Oryx, bask in a bungalow over crystal clear water half way to the other side of the world, decide I'd like to see the Northern Lights in Iceland, spend long weekends exploring Scotland just because I secretly hope I may fall back in time through some standing stones and meet Jamie Fraser, fly to the opposite coast to see Hamilton, fly to Europe for a weekend to go see the Harry Potter play and whatever interesting adventure or insane idea is next and do it with point and miles. Holy run on sentence Batman! But you know what I mean.