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

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I have a question for anyone familiar with the Seattle area. DH and I are planning a trip to Seattle in late June, 6/23 - 6/29. No kids this trip! Plan is to spend half of it in Seattle, and the other half hiking and exploring outdoor areas. DH has requested mountain hiking. Is it too early in the season for us to go to Mt. Rainier or the North Cascades? Would Olympic be a better idea in late June? We are hoping to do some moderate-difficulty hiking in the 5-8 mile range since the kids won't be along. We'll probably take the girls (currently 6 and 3) back to the area in a few years. Based on my research, it seems like Mt. Rainier and the North Cascades are likely out this early in summer, but I wanted to check with the experts!
 
I have a question for anyone familiar with the Seattle area. DH and I are planning a trip to Seattle in late June, 6/23 - 6/29. No kids this trip! Plan is to spend half of it in Seattle, and the other half hiking and exploring outdoor areas. DH has requested mountain hiking. Is it too early in the season for us to go to Mt. Rainier or the North Cascades? Would Olympic be a better idea in late June? We are hoping to do some moderate-difficulty hiking in the 5-8 mile range since the kids won't be along. We'll probably take the girls (currently 6 and 3) back to the area in a few years. Based on my research, it seems like Mt. Rainier and the North Cascades are likely out this early in summer, but I wanted to check with the experts!

Can't say because we don't know what the weather will do. We were down on snowpack last month but over thr past 2 1/2 weeks got 6+ feet of snow in the cascades and pt angeles and area got hit harder than normal. Snow level is going back up this weekend and it'll rain at snoqualmie. We've had skiing for memorial day weekend before or it could all be gone.

Were I'm at we got less than an inch of snow last week while other areas got more, this was unusual but also shows how weird and unpredictable our weather can be.

I'd plan preferred with a backup and see if you can find info from actual hikers on what they do that time of year.
 
Has anyone used MR —> lifemiles to book a United flight? United has the flights I want open but I’d rather us MR.
 
I finished my CS Platinum and Hilton Aspire MSRs way too quickly, and both SUBs posted promptly. I got a 15k MR/$2k MSR retention offer on my Gold, despite spending over $30k on its 4x categories last year. Not great, but not bad considering it’s a card I’m keeping anyway. I guess the takeaway is spend, but don’t spend too much on only the bonus categories?

I recently called as well. Initially the CSR that answered said there was no offer on my account, but transferred me to someone in customer loyalty who proceeded to read out the total dollar and # of transactions I put on the card in the 4x categories. (Something like $25k over 175 transactions.) Then she made me the same retention offer. I wasn't going to cancel anyway and I don't have a MSR right now so I took it.

Jealous that your Aspire SUB posted already. Mine still haven't. I'm really beginning to think they're not giving the SUB to those who app'ed under the waiver AF.
 
I recently called as well. Initially the CSR that answered said there was no offer on my account, but transferred me to someone in customer loyalty who proceeded to read out the total dollar and # of transactions I put on the card in the 4x categories. (Something like $25k over 175 transactions.) Then she made me the same retention offer. I wasn't going to cancel anyway and I don't have a MSR right now so I took it.

Jealous that your Aspire SUB posted already. Mine still haven't. I'm really beginning to think they're not giving the SUB to those who app'ed under the waiver AF.

That offer is still better than my $1500 spend for 10K points at least. I really don't use it all that much since DH has his own and since the majority of our MR stash is in his account he uses his Gold if we are out together. So mine gets use, but less than your spend. The Amex guy pulled up the same stuff and tried to convince me I did get a lot of use out of the bonuses and category spend so I should keep the card (not that I was going to cancel).

That's how I got DW on board, too. We've gone back and forth on buying DVC for years, even as it became increasingly apparent that buying at Aulani made sense for us; but the upfront cost was always a major barrier we couldn't justify. Meanwhile, the points cost kept climbing and rack rates kept going up every year. So when I pitched the idea of cashing out points for the purchase (thanks guys!), I could see the gears turning in DW's head and she agreed we'd look into it. Our points are our vacation stash, entirely separate from our household budget; so even though points have cash value, we can afford to splurge a little on a vacation "home." We looked at resale, and it really is a better value. But we took the tour, and DW just felt more comfortable dealing directly with Disney. And since this is a joint venture, I want whatever makes DW happy.

The more I think about this the more it makes me smile. I see points as "travel money" too, and this is still a travel redemption after all. And with your ability to earn tons of points (and easily book a trip to Japan at 2am) I think it was a great way to use the points you had. Plus, it's Hawaii. :goodvibes
 
Hey all. My kiddo woke me up way too early so I thought I’d use this time to (try to) catch up.

I haven’t been around much because I’ve been busy, but also so exhausted. The long weekend didn’t really help, despite staying local, what with spending time with the kiddo and trying (finally) to get our home in order for the new year. Is it still only January?

The churn goes on!

I finished my CS Platinum and Hilton Aspire MSRs way too quickly, and both SUBs posted promptly. I got a 15k MR/$2k MSR retention offer on my Gold, despite spending over $30k on its 4x categories last year. Not great, but not bad considering it’s a card I’m keeping anyway. I guess the takeaway is spend, but don’t spend too much on only the bonus categories? I’m taking the MSR on my Biz Platinum a little more slowly, and spending organically where it makes sense on the rest of my Amex cards to keep the pop ups away. Meanwhile, DW is on her way to building up her MR balance. She finished the MSR on her 45k MR Green and we used the Away credit to get a blush pink carry on for DD that she happily wheeled around on our trip to Hawaii. DW also finished up her 25k MR Biz Green and picked up the tiered 75k MR Biz Gold recently. DW also got the Hyatt card, and I plan to get my own sometime after I get back under 5/24. It’ll be a long couple of months until then.

On redemptions, I don’t know if it’s premature to say, but we bought DVC at Aulani — with points. We’re still doing the paperwork and the balance isn’t due for a few weeks, but yeah, we've got our DVC account and points and – it’s happening!

giphy.gif


This is something DW and I had thought about for years, but the timing or budget never seemed right. Meanwhile, we’ve spent some part of our last four holidays at Aulani as well as an impromptu trip there last October, and too many thousands of dollars on Disney Gift Cards. And we’ll likely keep returning to Aulani as long as we continue to visit family in Hawaii. It just made sense. And it really is our happy place. We looked into resale, and we took a tour while at Aulani (and scored $150 in Disney Gift Cards), and in the end we felt more comfortable buying direct and adding on via resale later. And hey, we'll get a "blue card"! Although we’re probably getting a little more than half the value going direct vs. resale, being comfortable with the purchase was important, and we’ll get the 2019 UY points that we've noticed are [along with 2020 UY] often stripped from a lot of contracts on the resale market, and that gives us some time to find a resale contract that’ll work as an add-on. We just had to make the money work. So I’ve cashed out 1.2 million MR and 500k UR to fund our purchase, and we don’t have to worry about anything out of pocket or when we'll "break even." We’ll hit several MSRs with this purchase, and pay for it with cash from points. It’s a tidy circle.

I never thought about using credit card rewards to buy DVC, but then @hulagirl put the thought into my head. Thank you for the inception, @hulagirl.

giphy.gif


And special thanks to @calypso726, @3 DD love princesses, @PolyRob, @speedyfishy, @wendow, @kmc8826, @striker1064, @vanjust14, @bernina, and anyone else I might’ve missed for all the encouragement and advice along the way.

I was looking at award space on United for next Christmas over the weekend, and wow dynamic pricing is really in effect. Last year, I was able to book saver award seats to HNL for 22.5k miles per person, each way. This year, economy saver awards are running 45k miles per person, each way. I think I’m going to have to try a different approach this year.

But hey, while I was clicking around United’s schedule, I noticed I could fly my family to Japan over Thanksgiving week for 35k miles per person, each way. So I’m going to! (I think we’re going to be in Japan while @ten6mom is still there!) It’s crazy to think United will fly us all the way to Japan for fewer miles than it would take to fly to Hawaii. But here we are. So a little past midnight, with my ladies asleep, I made a snap decision to forego our family tradition of spending Thanksgiving at Disneyland and taking the family to Tokyo instead. If we spend Thanksgiving Day at Tokyo Disneyland, that still counts right? Anyway, I booked our flights using United miles. Sadly, no lie flat seats for us. I’m flying a family of 3 and have a little redshirt who’s not in the game yet, so I need to budget our points and miles. I’ll be using my airline fee credits to bump us up to Economy+. I transferred some UR over to Hyatt and booked three nights at the Andaz Toranomon Hills for 30k/night. I used Hilton points, and booked three more nights at the Hilton Tokyo Bay for 80k/night. I need to math that last one out. Anyway, it’s an amazing feeling to have planned all this out in less than two hours, and very humbling to realize I have the points and miles to do all of this. I ran all this by DW in the morning, and she eagerly agreed it was a good change of pace. But before then, it was 2 a.m., and like my man Ted Mosby said,

9cMjC28.jpg

Keep on churning on!
Such exciting news! Enjoy Aulani and Tokyo!! We have never regretted our DVC purchase.
 
I recently called as well. Initially the CSR that answered said there was no offer on my account, but transferred me to someone in customer loyalty who proceeded to read out the total dollar and # of transactions I put on the card in the 4x categories. (Something like $25k over 175 transactions.) Then she made me the same retention offer. I wasn't going to cancel anyway and I don't have a MSR right now so I took it.

Jealous that your Aspire SUB posted already. Mine still haven't. I'm really beginning to think they're not giving the SUB to those who app'ed under the waiver AF.

I didn’t apply for my Aspire under the no AF link. So yes, I’m paying a fee but my SUB posted promptly. I do think that Amex flagged all the no AF applications and is reviewing them as they hit MSR to see if they met the spend “properly,” and is holding on to the points until they’ve cleared whatever review it has in place. I think you’ll get your points eventually. @Alexle2007 got hers from the no AF Aspire. Amex is just making you wait. Fingers crossed for you guys!
 
Dh and I had a great little churning-sponsored anniversary trip this weekend! We stayed at the Boulders Resort near Scottsdale, AZ--https://www.theboulders.com/--for two nights, using our Aspire free weekend nights (we each have one). We flew on a combo of SW points and gc bought with the Amex Aspire credit back when you could do that. Three of our meals were covered by the Aspire resort credit and we took a Segway tour of Scottsdale that was purchased using Citi Thankyou points!
 
I have a question for anyone familiar with the Seattle area. DH and I are planning a trip to Seattle in late June, 6/23 - 6/29. No kids this trip! Plan is to spend half of it in Seattle, and the other half hiking and exploring outdoor areas. DH has requested mountain hiking. Is it too early in the season for us to go to Mt. Rainier or the North Cascades? Would Olympic be a better idea in late June? We are hoping to do some moderate-difficulty hiking in the 5-8 mile range since the kids won't be along. We'll probably take the girls (currently 6 and 3) back to the area in a few years. Based on my research, it seems like Mt. Rainier and the North Cascades are likely out this early in summer, but I wanted to check with the experts!

Tagging @StephPlum, who I remember went to Olympic and Mt Rainier last year. I think @georgina mentioned she made the trip out there too.
 
@Lain - congrats on your DVC purchase. We have never regretted being DVC owners. I think you mentioned this in one of your posts but wanted to make sure you know that you can use Disney gift cards to pay your dues. I try to earn enough through sites like Swagbucks to cover my dues each month. I do the monthly payment plan and then just pay ahead as I earn the free gift cards. (You probably know this but wanted to make sure you know you don't have to use your credit card points to pay the fees)
 
@Lain - congrats on your DVC purchase. We have never regretted being DVC owners. I think you mentioned this in one of your posts but wanted to make sure you know that you can use Disney gift cards to pay your dues. I try to earn enough through sites like Swagbucks to cover my dues each month. I do the monthly payment plan and then just pay ahead as I earn the free gift cards. (You probably know this but wanted to make sure you know you don't have to use your credit card points to pay the fees)

I do! Thanks. Again, we’re still working through the paperwork and have to make final payment in a few weeks, but then we should expect our prorated annual dues a few weeks after that. I already have a DGC that I’ve accumulated over various discounts to cover it. I really hope Disney continues to accept DGCs for annual dues. It’s a nice way to get even more savings out of our DVC vacations.
 
Dh and I had a great little churning-sponsored anniversary trip this weekend! We stayed at the Boulders Resort near Scottsdale, AZ--https://www.theboulders.com/--for two nights, using our Aspire free weekend nights (we each have one). We flew on a combo of SW points and gc bought with the Amex Aspire credit back when you could do that. Three of our meals were covered by the Aspire resort credit and we took a Segway tour of Scottsdale that was purchased using Citi Thankyou points!
Wow, that looks gorgeous! Did you stay in one of their regular view rooms?
 
Hey all. My kiddo woke me up way too early so I thought I’d use this time to (try to) catch up.

I haven’t been around much because I’ve been busy, but also so exhausted. The long weekend didn’t really help, despite staying local, what with spending time with the kiddo and trying (finally) to get our home in order for the new year. Is it still only January?

The churn goes on!

I finished my CS Platinum and Hilton Aspire MSRs way too quickly, and both SUBs posted promptly. I got a 15k MR/$2k MSR retention offer on my Gold, despite spending over $30k on its 4x categories last year. Not great, but not bad considering it’s a card I’m keeping anyway. I guess the takeaway is spend, but don’t spend too much on only the bonus categories? I’m taking the MSR on my Biz Platinum a little more slowly, and spending organically where it makes sense on the rest of my Amex cards to keep the pop ups away. Meanwhile, DW is on her way to building up her MR balance. She finished the MSR on her 45k MR Green and we used the Away credit to get a blush pink carry on for DD that she happily wheeled around on our trip to Hawaii. DW also finished up her 25k MR Biz Green and picked up the tiered 75k MR Biz Gold recently. DW also got the Hyatt card, and I plan to get my own sometime after I get back under 5/24. It’ll be a long couple of months until then.

On redemptions, I don’t know if it’s premature to say, but we bought DVC at Aulani — with points. We’re still doing the paperwork and the balance isn’t due for a few weeks, but yeah, we've got our DVC account and points and – it’s happening!

giphy.gif


This is something DW and I had thought about for years, but the timing or budget never seemed right. Meanwhile, we’ve spent some part of our last four holidays at Aulani as well as an impromptu trip there last October, and too many thousands of dollars on Disney Gift Cards. And we’ll likely keep returning to Aulani as long as we continue to visit family in Hawaii. It just made sense. And it really is our happy place. We looked into resale, and we took a tour while at Aulani (and scored $150 in Disney Gift Cards), and in the end we felt more comfortable buying direct and adding on via resale later. And hey, we'll get a "blue card"! Although we’re probably getting a little more than half the value going direct vs. resale, being comfortable with the purchase was important, and we’ll get the 2019 UY points that we've noticed are [along with 2020 UY] often stripped from a lot of contracts on the resale market, and that gives us some time to find a resale contract that’ll work as an add-on. We just had to make the money work. So I’ve cashed out 1.2 million MR and 500k UR to fund our purchase, and we don’t have to worry about anything out of pocket or when we'll "break even." We’ll hit several MSRs with this purchase, and pay for it with cash from points. It’s a tidy circle.

I never thought about using credit card rewards to buy DVC, but then @hulagirl put the thought into my head. Thank you for the inception, @hulagirl.

giphy.gif


And special thanks to @calypso726, @3 DD love princesses, @PolyRob, @speedyfishy, @wendow, @kmc8826, @striker1064, @vanjust14, @bernina, and anyone else I might’ve missed for all the encouragement and advice along the way.

I was looking at award space on United for next Christmas over the weekend, and wow dynamic pricing is really in effect. Last year, I was able to book saver award seats to HNL for 22.5k miles per person, each way. This year, economy saver awards are running 45k miles per person, each way. I think I’m going to have to try a different approach this year.

But hey, while I was clicking around United’s schedule, I noticed I could fly my family to Japan over Thanksgiving week for 35k miles per person, each way. So I’m going to! (I think we’re going to be in Japan while @ten6mom is still there!) It’s crazy to think United will fly us all the way to Japan for fewer miles than it would take to fly to Hawaii. But here we are. So a little past midnight, with my ladies asleep, I made a snap decision to forego our family tradition of spending Thanksgiving at Disneyland and taking the family to Tokyo instead. If we spend Thanksgiving Day at Tokyo Disneyland, that still counts right? Anyway, I booked our flights using United miles. Sadly, no lie flat seats for us. I’m flying a family of 3 and have a little redshirt who’s not in the game yet, so I need to budget our points and miles. I’ll be using my airline fee credits to bump us up to Economy+. I transferred some UR over to Hyatt and booked three nights at the Andaz Toranomon Hills for 30k/night. I used Hilton points, and booked three more nights at the Hilton Tokyo Bay for 80k/night. I need to math that last one out. Anyway, it’s an amazing feeling to have planned all this out in less than two hours, and very humbling to realize I have the points and miles to do all of this. I ran all this by DW in the morning, and she eagerly agreed it was a good change of pace. But before then, it was 2 a.m., and like my man Ted Mosby said,

9cMjC28.jpg

Keep on churning on!


:welcome: 🏠
 
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