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Old 10-23-2011, 07:09 PM
 
7,150 posts, read 5,420,672 times
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Quote:
Originally Posted by Ol' Wanderer View Post
Speaking of Chase, Disney also has a reward card through Chase. No annual fee, and with the first charge (of any amount), they send you a $250 check.

We accepted the offer, used it once, received the check, and have not touched it ever since.
They only have the $15 gift card after first purchase now. I had the Disney card 5 years ago but never used it for Disney Parks because of my DOD military tickets so I just canceled it.

But the Southwest 2 free tickets/50,000 miles is easily $700 to $800 savings.
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Old 10-23-2011, 07:34 PM
 
Location: California Mountains
1,448 posts, read 2,588,296 times
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Quote:
Originally Posted by Singlelady10 View Post
They only have the $15 gift card after first purchase now. I had the Disney card 5 years ago but never used it for Disney Parks because of my DOD military tickets so I just canceled it.
We must have received the offer just before it ended then. It was only last year when they send it to us. Ours is not just for Disney Parks; the points can be used anywhere. We just keep it now since it doesn't cost us anything.

Quote:
Originally Posted by Singlelady10 View Post
But the Southwest 2 free tickets/50,000 miles is easily $700 to $800 savings.
Husband said, "Another card, another temptation." Can't talk him into it. Even though we never carry a balance and none of our cards has an annual fee, he's itching to ask the banks to lower the high credit limit we have now. Has anyone heard of such craziness? As if we would go crazy one day and run them all up to the limits for some shopping spree.

Last edited by Ol' Wanderer; 10-23-2011 at 07:44 PM..
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Old 10-24-2011, 08:01 AM
 
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Quote:
Originally Posted by Ol' Wanderer View Post
he's itching to ask the banks to lower the high credit limit we have now. Has anyone heard of such craziness? As if we would go crazy one day and run them all up to the limits for some shopping spree.
I do this routinely. It actually counts *against* your credit score to have the potential to run up a high bill. Even with perfect credit, it will count more against you to have a $40,000 limit as opposed to $10,000. My credit card routinely jacks my limit up and once in a while I call them to bring it back down to a certain limit. Mind you I always pay off my card, I just don't need a huge limit on a credit card.
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Old 10-24-2011, 11:57 AM
 
Location: California Mountains
1,448 posts, read 2,588,296 times
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Quote:
Originally Posted by mels View Post
I do this routinely. It actually counts *against* your credit score to have the potential to run up a high bill. Even with perfect credit, it will count more against you to have a $40,000 limit as opposed to $10,000. My credit card routinely jacks my limit up and once in a while I call them to bring it back down to a certain limit. Mind you I always pay off my card, I just don't need a huge limit on a credit card.
Whoa. Learn something new every day.

We're the same way, never charge anything unless we have enough money to cover the amount. We use cc for points, not for ready-money purpose. I've never thought that a high limit would count against the credit score though.

Thanks for the heads up.
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Old 10-24-2011, 07:30 PM
 
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How long does approval take for the Sothwest card? I applied online.
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Old 10-25-2011, 06:20 AM
 
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Quote:
Originally Posted by Ol' Wanderer View Post
Whoa. Learn something new every day.

We're the same way, never charge anything unless we have enough money to cover the amount. We use cc for points, not for ready-money purpose. I've never thought that a high limit would count against the credit score though.

Thanks for the heads up.
The reason it counts against you is because in their eyes, you have the potential to run up that amount in debt. Not that you actually would, but in their eyes, you could.
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Old 10-26-2011, 06:36 PM
 
Location: Santa Monica, CA
1,626 posts, read 3,274,952 times
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Quote:
Originally Posted by Singlelady10 View Post
But the Southwest 2 free tickets/50,000 miles is easily $700 to $800 savings.
I just signed up for the 50,000 point SW card and it will save me $700-800 in holiday travel this year alone. Well worth the $99 annual fee which is billed up front. That's only the first year though. I still think my CC spending and Southwest travel will earn me enough free tickets to make it cost effective in future years. It's a better rate of return than I get from my 1% cash back BoA card which has no annual fee.

BTW, for the $99 annual fee my card gives me 6,000 annual bonus points which are worth around $80-100 in reward travel.

Quote:
Originally Posted by Singlelady10 View Post
How long does approval take for the Sothwest card? I applied online.
I applied online and they called me the next business day to verify info and then I was approved. My offer came in the mail and said I was "pre-approved" though. The card came a week later and the 50,000 points posted to my account the day the first statement was issued.
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Old 10-26-2011, 08:27 PM
 
7,150 posts, read 5,420,672 times
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Quote:
Originally Posted by Dunbar42 View Post
I just signed up for the 50,000 point SW card and it will save me $700-800 in holiday travel this year alone. Well worth the $99 annual fee which is billed up front. That's only the first year though. I still think my CC spending and Southwest travel will earn me enough free tickets to make it cost effective in future years. It's a better rate of return than I get from my 1% cash back BoA card which has no annual fee.

BTW, for the $99 annual fee my card gives me 6,000 annual bonus points which are worth around $80-100 in reward travel.



I applied online and they called me the next business day to verify info and then I was approved. My offer came in the mail and said I was "pre-approved" though. The card came a week later and the 50,000 points posted to my account the day the first statement was issued.
When I went to the site Friday, it said 3,000 points on your anniversary date and $69 annual fee. Your terms must be different since it wasn't the online promo.

I applied Thursday so I am hoping to get the points credited to my account before Christmas.

When I checked my credit report today, it had the inquiry from Chase and it had opened 10/2011. So I looked at my other card that was opened 5 months ago and it had opened after the date also. But I called the app status line and it said "under review" so I hope I was approved but I will wait and see.

Thanks for the information.
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Old 10-26-2011, 10:30 PM
 
14,260 posts, read 23,991,339 times
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When I signed up for the card, I received TWO round trip tickets to anywhere SWA flies. Yes, it was worth it.

Since the first year is free, I cancelled when I received the billing for the annual fee.
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Old 11-25-2012, 05:22 AM
 
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Fee is now $95 but you earn points on every purchase no matter who or where. Delta has selected partners so things like rent and daily expenses cant be charged to Delta.

SW is the way to go.
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