I love credit cards so much!

[jhoannam]

Well, I submitted DH's SW application and I can't recall if I used his social or mine, went pending so I'm guessing I used mine. #churningfail

On a brighter note, if you have USAA as your homeowner insurance I recommend you add the computer rider. I dropped my MacBook Pro a couple of weeks ago and USAA just sent over $2250 to buy a new one ($2500, including tax, to replace minus $250 deductible). I took it to the Apple store to try to get it repaired, because I'm dumb and haven't backed it up in over a year and I really wanted it fixed and not a new one. Unfortunately they couldn't bring it back to life and they no longer produce the parts to fix it. They gave me a letter stating that those facts, which I submitted along with a picture of the broken screen.

 

[SouthFayetteFan]

One more comment on the grAAvy train discussion...

So if you're over 5/24 you might be "all aboard". You can get a ton of cards if you can find the mailers. (Keep in mind the mailers are KEY here because you need offers without the 24 month restriction)...

If you are under 5/24 you could board the slow train. It seems you can get a Citi Biz card every 95 days or so. This won't affect your 5/24 status (amazing!) but you gotta find mailers to do it after your first card.

For those under 5/24 who are interested in personal AA cards...It's up to you to decide if AA miles are worth sacrificing your < 5/24 status.

 

[LilSweetPeaPhoto]

So people are legit getting new cards like crazy from citi? I have the business one right now I'm working on finishing the spend on. I got it in October. While I have a legit business (and a state tax ID #) I do not have an EIN. So I'm guessing I would need to cancel the citi business, hope I get a mailer and then apply again in 90 days with my SSN? I'm well over the 5/24, so once I hit my Aspire spend I might go for the citi personal.

I read the thread on Reedit, I'm just confused, LOL....I'm blonde. It's the week before xmas break. My mind is MUSH!

 

[SouthFayetteFan]

So people are legit getting new cards like crazy from citi? I have the business one right now I'm working on finishing the spend on. I got it in October. While I have a legit business (and a state tax ID #) I do not have an EIN. So I'm guessing I would need to cancel the citi business, hope I get a mailer and then apply again in 90 days with my SSN? I'm well over the 5/24, so once I hit my Aspire spend I might go for the citi personal.

I read the thread on Reedit, I'm just confused, LOL....I'm blonde. It's the week before xmas break. My mind is MUSH!

Yeah - people are legit getting TONS of citi AA cards...it's insane when you read what some of these people are doing.

 

[jhoannam]

One more comment on the grAAvy train discussion...

So if you're over 5/24 you might be "all aboard". You can get a ton of cards if you can find the mailers. (Keep in mind the mailers are KEY here because you need offers without the 24 month restriction)...

If you are under 5/24 you could board the slow train. It seems you can get a Citi Biz card every 95 days or so. This won't affect your 5/24 status (amazing!) but you gotta find mailers to do it after your first card.

For those under 5/24 who are interested in personal AA cards...It's up to you to decide if AA miles are worth sacrificing your < 5/24 status.

How do we get our hands on a Biz mailer?

 

[kidsfirsttrip]

Wife and I have separate account numbers. It's easy to transfer and I didn't know you could "cheat" with the combining cards on same account until after I had them.

Yes- it's a major bummer. Yes, we have 2 rooms with the family. It's either 20k/nt + 10k per kid (x2) = 40k/nt for one room or 20k/nt and having an adult and kid in each room and just get them adjoining for the same 40k/nt. No brainer. Since I'm DVC, Ive gotten used to kids in a separate room anyway
That said- there are many times where it's better to book the Hyatts via the portal. Namely, if you were traveling in "off-season" like August or September, it might only be $300/night for 4 people in a room- so w/ CSR, thats only 20k UR/nt. A much better deal.

But say over new years, like when I'm going, and it's over $1,000/night/room just for double occupancy, 40k/nt is an absolute steal. 160k pts for 4 nights that's over $8k in value. Would I ever pay $8k? Absolutely not. But it's about going when it best suits you, and a nice beach in the middle of winter sounds like a nice reprieve, but I'm an "earn and burn" guy. Tomorrow is never guaranteed, so live while you're able.

Ok good to know. I’d be afraid to piss off Chase but it’s tempting.

Have you done the Ziva/zilaras before? Over busy times? Just wondering if it ends up super crowded or is it fine??
Def no brainer on the 2 rooms. My kids are 12 & 9 so if we travel together it will be the busier and more expensive times anyways

 

[mmmears]

Wife and I have separate account numbers. It's easy to transfer and I didn't know you could "cheat" with the combining cards on same account until after I had them.

Yes- it's a major bummer. Yes, we have 2 rooms with the family. It's either 20k/nt + 10k per kid (x2) = 40k/nt for one room or 20k/nt and having an adult and kid in each room and just get them adjoining for the same 40k/nt. No brainer. Since I'm DVC, Ive gotten used to kids in a separate room anyway
That said- there are many times where it's better to book the Hyatts via the portal. Namely, if you were traveling in "off-season" like August or September, it might only be $300/night for 4 people in a room- so w/ CSR, thats only 20k UR/nt. A much better deal.

But say over new years, like when I'm going, and it's over $1,000/night/room just for double occupancy, 40k/nt is an absolute steal. 160k pts for 4 nights that's over $8k in value. Would I ever pay $8k? Absolutely not. But it's about going when it best suits you, and a nice beach in the middle of winter sounds like a nice reprieve, but I'm an "earn and burn" guy. Tomorrow is never guaranteed, so live while you're able.

Are you saying that we can combine Hyatt points? Sorry if I’m misreading.

 

[SouthFayetteFan]

How do we get our hands on a Biz mailer?

r/churningmarketplace has some for sale or trade

 

[LilSweetPeaPhoto]

Yeah - people are legit getting TONS of citi AA cards...it's insane when you read what some of these people are doing.

Do you know would I have to cancel my current one since I'm only able to apply for a biz w/ my SSN? And then wait 65 days? I don't have an EIN.

 

[Albort]

How do we get our hands on a Biz mailer?

sign everyone up for an AA account. Your kids, ur SO, ur pets, ur relative... Even ur pet rock...
or what @Lain says last time, dont forget the fern and plants, they are living creatures too.

 

[SouthFayetteFan]

sign everyone up for an AA account. Your kids, ur SO, ur pets, ur relative... Even ur pet rock...
or what @Lain says last time, dont forget the fern and plants, they are living creatures too.

It seems like a lot of personal mailers circulate this way. Does anybody know how to get targeted for BIZ mailers?? Same theory...or is there something else we can do?

 

[SouthFayetteFan]

Do you know would I have to cancel my current one since I'm only able to apply for a biz w/ my SSN? And then wait 65 days? I don't have an EIN.

So the people going crazy with it are doing personal cards.

I think biz cards are once every 95 days and I think it's recommended to cancel the previous one before applying for a new one.

 

[Albort]

It seems like a lot of personal mailers circulate this way. Does anybody know how to get targeted for BIZ mailers?? Same theory...or is there something else we can do?

i did get a citi biz mailer... but insure if its the correct one. Its still sealed in my mailbox. i saw it in the USPS Daily Digest awhile ago.
at least i think, ill have to check later. currently in finals week :\

 

[SouthFayetteFan]

i did get a citi biz mailer... but insure if its the correct one. Its still sealed in my mailbox. i saw it in the USPS Daily Digest awhile ago.
at least i think, ill have to check later. currently in finals week :\

Cool! Were you personally planning on using that mailer? If it's a 9 digit code mailer, It seems that it could be used by others (and multiple people) so long as the intended user does not use it.

 

[Andysol]

Ok good to know. I’d be afraid to piss off Chase but it’s tempting.

Have you done the Ziva/zilaras before? Over busy times? Just wondering if it ends up super crowded or is it fine??
Def no brainer on the 2 rooms. My kids are 12 & 9 so if we travel together it will be the busier and more expensive times anyways

Me too re: pissing off chase. The benefit doesn't outweigh the risk for me.

I've done Zivas before but never over busy times. I'll let you know in 3 weeks.

Are you saying that we can combine Hyatt points? Sorry if I’m misreading.

Yes- It's identical as Marriott. Meaning if you have a redemption and want to share points between two accounts, you can.

https://world.hyatt.com/content/gp/en/rewards/purchase-share-gift.html

 

[Albort]

Cool! Were you personally planning on using that mailer? If it's a 9 digit code mailer, It seems that it could be used by others (and multiple people) so long as the intended user does not use it.

probably not haha. Im working on MRs right now. + im under 5/24. Ill check it when my finals are done and post about it in reddit.

 

[Andysol]

I think biz cards are once every 95 days and I think it's recommended to cancel the previous one before applying for a new one.

Yes- it's actually 90, but 95 to be safe. If you want to be a little sooner, you can actually apply for one in as little as 80 days if you apply with an EIN for the 2nd.

Example:

Citi AA Biz 1 SSN

80 Days later Citi AA Biz 2 EIN

95 days later Citi AA Biz 3 SSN

80 Days later Citi AA Biz 4 EIN

etc

i did get a citi biz mailer... but insure if its the correct one. Its still sealed in my mailbox. i saw it in the USPS Daily Digest awhile ago.
at least i think, ill have to check later. currently in finals week :\

Don't use your own. If you do, you'll never get another.

 

[SouthFayetteFan]

probably not haha. Im working on MRs right now. + im under 5/24. Ill check it when my finals are done and post about it in reddit.

Yes- it's actually 90, but 95 to be safe. If you want to be a little sooner, you can actually apply for one in as little as 80 days if you apply with an EIN for the 2nd.

Example:

Citi AA Biz 1 SSN

80 Days later Citi AA Biz 2 EIN

95 days later Citi AA Biz 3 SSN

80 Days later Citi AA Biz 4 EIN

etc



Don't use your own. If you do, you'll never get another.

Thanks for the responses and info guys!!

 

[amalone1013]

GAH - thanks for mentioning that thread. I've been neglecting it and NEED to update the index on page 1. I'll try to do that today

Also thanks @striker1064 and anybody else who has posted there. It's a neat thread of hotel reviews by people I actually trust

I've got two I'm trying to add today! Seeing the recent updates reminded me

 

[Albort]

Don't use your own. If you do, you'll never get another.

noted, will have to sign up my roommates dog and pet rock and etc when the time comes...
thanks!