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

[LuckyMamaInDE]

I have an Amex offer (on my Plat) for World's Leading Cruise Lines, aka Carnival, Holland America, Princess, Seaborn, and Cunard, for $100 back with $500 spend, expiring 3/31.

 

[smallsy]

I know at lease one or two others were debating closing vs PC a CIP. I just sent a SM to close mine since the AF posted a few days ago, so hopefully that was the right move.

 

[Judique]

Does anybody have Qdoba near them? I bought an online GC from Staples a couple of weeks ago, then found out that the only Qdoba within 100 miles of me closed. Churning fail. Anyway, I'd be happy to gift it to someone who could use it. I think all I'd need is an email address and I can forward the link to where you can print the GC. Its only $25, but I hate to have it go to waste if someone could use it.

Are you going to Disney soon? There is one in Lake Buena Vista that offers delivery.

 

[Judique]

Does anybody have Qdoba near them? I bought an online GC from Staples a couple of weeks ago, then found out that the only Qdoba within 100 miles of me closed. Churning fail. Anyway, I'd be happy to gift it to someone who could use it. I think all I'd need is an email address and I can forward the link to where you can print the GC. Its only $25, but I hate to have it go to waste if someone could use it.

Are you going to Disney soon? There is one in Lake Buena Vista that offers delivery.

Didn't see these Amex Offers mentioned:

Save on your Insurance Payment (Seems targeted to Business Cards)
Get 10% back as a statement credit by using your Card, up to $60
Expires 06/03/2020
Get 10% back as a statement credit by using your enrolled Business Card to make a payment on your insurance bill by 6/3/2020. Limit of $60 in total statement credits.

Petco
Spend $60 or more, get $12 back
Expires 05/03/2020
Get a one-time $12 statement credit by using your enrolled Card to spend a minimum of $60+ in one or more transactions in-store at Petco or online at petco.com by 5/3/2020.

Seems highly targeted. These were on DW's cards, but not mine.

I got the Petco one 3 times, bus and 2 personal cards. With bird, dog and 2 cats no problem spending that little bit!

I did not 'yet' get the insurance one. I'm still hoping they just haven't reached me yet. Sometimes if I look early morning they are not there but by 1pm or so, I get lucky!

I was about to pay a bill that is due in early April for a little over $500. Would have loved to save the $50 and maybe pay a full $600 and take a small credit on my account.

 

[SouthFayetteFan]

Strange moment for me today... when r/churning informs you that the fed cut rates and you look like a “super informed” banker in your weekly meeting.

4.25% prime rate coming soon!! Maybe this will get some of my SBA deals in motion.

 

[StephPlum]

OMG have to vent. My knee has been a bit sorethe last week or so. I blame it on weather changes. Rainy all day today. I walked literally across the street and down the block so probably 1/2 a block total. I can barely bend it now. I just sent someone who works for me to the ice machine and I am sitting here with an ice pack on it. It knows I have a trip starting on Saturday. Darn it better recover soon. I have Vionic work shoes that are pretty good but I think for the rest of the week they are going to see me in tennis shoes. ok pity party over.

 

[first*toright]

Are you going to Disney soon? There is one in Lake Buena Vista that offers delivery.

No, no plans to be in FL anytime soon (unfortunately!)

 

[StephPlum]

What does everyone use to check the weather? I was using accuweather. But I just checked that on my iPad on the app and it says DVNP will be in the 60s next week. When I checked on the computer this weekend it was in the 80s. I was surprised it changed so much in 2 days. But just looked on the computer and it says 80s. Ummm that is quite a difference especially from the same source!

 

[Haley R]

What does everyone use to check the weather? I was using accuweather. But I just checked that on my iPad on the app and it says DVNP will be in the 60s next week. When I checked on the computer this weekend it was in the 80s. I was surprised it changed so much in 2 days. But just looked on the computer and it says 80s. Ummm that is quite a difference especially from the same source!

I usually use weather channel

 

[CaliforniaGirl09]

Thought I'd give a report from the coronavirus travel front lines--arrived safely in London today after a fabulous first class flight on BA. This was my second (or third?) time in BA First and DH's first in first--he's sold, LOL. The best part was that the cabin was half empty and there wasn't anyone coughing or sneezing. Yay! (We still went nuts with the Clorox wipes and sanitizer.) It was like having a private plane--super secluded up there in the nose of the 747-400.

I originally booked LAX to LHR so DH could try first out, and I was thrilled when our alert came through on Expert Flyer, and we were able to switch to SFO and avoid a positioning flight.

BA recently updated its lounge at SFO, and it was fine. The food in the First Class restaurant was actually a little disappointing. It's a far cry from the Concord lounge at Heathrow, LOL, but that's hard to compete with. Jammies and amenity kits were the same as my last flight--solid--from the high-end English design house Temperley.

I'm very sold on BA's first product. The level of service is notched way up. I also liked being the first person off the plane DH and I were literally through passport control in less than ten minutes from leaving the jetway. We were on the Heathrow Express 30 minutes after landing. Crazy.

I meant to take a ton of pics, but of course, I put my phone away and forgot. I can't get the pic with my champagne to align correctly, but it was perfect with my lobster/caviar canapé, LOL.

For first class, BA's 747 cabin is considered "crowded," but I really like being in the front of the plane. It's much quieter, which is the most important thing for me as my main justification for paying the taxes on these award tickets is the sleep. Arriving rested makes a huge difference for us.





So far the English coronavirus cases are at 39. California has 20. I suspect they are both going to get bigger so we didn't worry about coming here per se as just traveling. Today was great so I'm hoping our luck holds on the way back on the 12th. My biggest fear is getting caught up in some quarantine mess. I think a lot of people have cancelled plans, and I didn't hear any bad coughs or sneezing anywhere. I suspect people are aware they will get tons of glares if they try to travel with a cold.

 

[Crazed4DisneyinSC]

I forget if this has been addressed recently BUT.... we have a long-term savings account with Discover. I've noticed over the past few months, the interest rate keeps dropping and dropping, now down to 1.59%. We're looking to jump ship to another bank, but just not sure who. We chose Discover at the time (2 years ago) because they seemed to have the highest interest rate. It was around 2.10% then. I recently got an offer from Citi for 1.85%. Anyone have any recommendations? Again, not looking to churn bank bonuses, just looking for a good bank to have a long term savings account with and actually earn some interest.

 

[elgerber]

I forget if this has been addressed recently BUT.... we have a long-term savings account with Discover. I've noticed over the past few months, the interest rate keeps dropping and dropping, now down to 1.59%. We're looking to jump ship to another bank, but just not sure who. We chose Discover at the time (2 years ago) because they seemed to have the highest interest rate. It was around 2.10% then. I recently got an offer from Citi for 1.85%. Anyone have any recommendations? Again, not looking to churn bank bonuses, just looking for a good bank to have a long term savings account with and actually earn some interest.

I haven't looked lately, but pretty much all rates are dropping. As the lending rates drop (mortgages are on fire) so does the rate we earn on our money :-(.

 

[alryan]

Strange moment for me today... when r/churning informs you that the fed cut rates and you look like a “super informed” banker in your weekly meeting.

4.25% prime rate coming soon!! Maybe this will get some of my SBA deals in motion.

I never thought I'd have to think about refinancing again since I'm at 3.25% and only have 10 years left on a pretty small balance. But still, your post made me look. My local bank is at 2.62 now for a 10 year term. Without running the numbers I'm thinking it still probably wouldn't make sense for me, but it may be worth it to crunch some numbers. So if they just cut rates now, will the rates go down even further from what I see today?

Hope this does help get some business for you!!

 

[striker1064]

I forget if this has been addressed recently BUT.... we have a long-term savings account with Discover. I've noticed over the past few months, the interest rate keeps dropping and dropping, now down to 1.59%. We're looking to jump ship to another bank, but just not sure who. We chose Discover at the time (2 years ago) because they seemed to have the highest interest rate. It was around 2.10% then. I recently got an offer from Citi for 1.85%. Anyone have any recommendations? Again, not looking to churn bank bonuses, just looking for a good bank to have a long term savings account with and actually earn some interest.

Ally and Discover seem to go back and forth with Discover usually being a little higher, but you could keep an eye on Ally anyway. But yeah, as mentioned, as interest rates drop across the board it won't make much of a difference. DoC has a nice list of high-yield savings account you can reference. In general, I find it's not worth chasing a rate, though.

 

[Crazed4DisneyinSC]

I haven't looked lately, but pretty much all rates are dropping. As the lending rates drop (mortgages are on fire) so does the rate we earn on our money :-(.

Ally and Discover seem to go back and forth with Discover usually being a little higher, but you could keep an eye on Ally anyway. But yeah, as mentioned, as interest rates drop across the board it won't make much of a difference. DoC has a nice list of high-yield savings account you can reference. In general, I find it's not worth chasing a rate, though.

Thank you both! Yeah, it's a bummer. I did some research and checked out DoC. 1.85% at Citi seems to be ones of the best options right now. But for only 0.25% more APY that is NOT even guaranteed, I don't think it's worth it to move the money. I did the math and that equates to around $150 total for a year, or it could even be less if the rate drops. I don't think that's worth the time and hassle.

 

[elgerber]

Yay, I finally got the $30 back at Staples offer on one of my Chase cards!

 

[Calfan]

If it changes to 7 to 10 days unfreeze whichever they pull from then call and say I forgot to unfreeze my credit and they'll rerun it. The first time I applied after I froze my credit I unfroze the wrong one because I thought they didn't use the one they did for my state. It was an easy call with no questions about my biz though that doesn't mean it wouldn't have them but since it's a freeze issue I think that's all that got looked at.

Just FYI that you don't actually have to unfreeze your credit to get an approval. I've got a credit freeze on, and my last Chase app went to 7 to 10 days. I was able to call in and verify my identity, etc. and get an approval without unfreezing my credit.

 

[LilSweetPeaPhoto]

What does everyone use to check the weather? I was using accuweather. But I just checked that on my iPad on the app and it says DVNP will be in the 60s next week. When I checked on the computer this weekend it was in the 80s. I was surprised it changed so much in 2 days. But just looked on the computer and it says 80s. Ummm that is quite a difference especially from the same source!

I use Dark Skies when I'm looking for rain and stuff. Accuweather is always off in this area, especially w/ snow totals. Temps I use The Weather Channel.

 

[WVMomof3]

Ally and Discover seem to go back and forth with Discover usually being a little higher, but you could keep an eye on Ally anyway. But yeah, as mentioned, as interest rates drop across the board it won't make much of a difference. DoC has a nice list of high-yield savings account you can reference. In general, I find it's not worth chasing a rate, though.

Nice swag in the new pic!

 

[LilSweetPeaPhoto]

Okay so I just landed $93 RT flight to Fort Lauderdale during my spring break. My trouble now is finding a hotel. UGH! I know it's FL and "Spring Break". I'm thinking I want to stay in that area and do the beach. But I'm not opposed to driving (I have a rental car) somewhere if needed. I need sun more than anything. I'm a beach girl, but I can be a pool girl too.

Any suggestions?

And here's cheap me.....I could have possibly gotten the flight $46 cheaper if I booked at the airport, and I still might try a bit later today. I'll be pretty close this afternoon. And I didn't buy luggage as I'm 1/2 hoping the Spirit pilot I'm "dating" has at least one of the flights I'm on and he can take my bags for free for me, LOL. I was thinking about hitting Vegas, but I know it won't be as warm. And this girl needs some sunshine and to turn my skin brown again! My daughter and I will hopefully be hitting the beach in NC in mid-April, so a beach isn't a must for my spring break.