How Many Credit Cards Do You Have?

[steve dave]

Also, the Mrs. has some side gigs every now and again. Maybe about one project per year. Is that enough to consider her a business owner? Should I try to get the Ink?

yes

[Tobias]

your wife is the most legitimate business owner itt

[ksupamplemousse]

your wife is the most legitimate business owner itt

Yeah, that's kind of what I figured, but wanted to make sure the rest of you hadn't gone to jail for credit card fraud or something.

[steve dave]

your wife is the most legitimate business owner itt

Yeah, that's kind of what I figured, but wanted to make sure the rest of you hadn't gone to jail for credit card fraud or something.

I legitimately own a message board and a domain for a travel blog that I never got off the ground you son of a bitch

[ksupamplemousse]

your wife is the most legitimate business owner itt

Yeah, that's kind of what I figured, but wanted to make sure the rest of you hadn't gone to jail for credit card fraud or something.

I legitimately own a message board and a domain for a travel blog that I never got off the ground you son of a bitch

Sounds more like a mogul than a business owner to me.

[ShellShock]

Amateur question here:

Is there any way I can get my Delta miles to transfer to something else like SPG? I only fly Delta into like 3 airports and would rather use those points elsewhere. TIA

[michigancat]

Amateur question here:

Is there any way I can get my Delta miles to transfer to something else like SPG? I only fly Delta into like 3 airports and would rather use those points elsewhere. TIA

just go somewhere new. I mean I imagine Delta flies to more than three places you want to go. sheesh.

[steve dave]

Amateur question here:

Is there any way I can get my Delta miles to transfer to something else like SPG? I only fly Delta into like 3 airports and would rather use those points elsewhere. TIA

no

[meow meow]

how do you guys keep track of so many cards?  you can't carry them all in your wallet, do you just throw them in a drawer somewhere?  does award wallet let you know if an annual is about to hit, or how else do you keep track of all of those?

[steve dave]

how do you guys keep track of so many cards?  you can't carry them all in your wallet, do you just throw them in a drawer somewhere?  does award wallet let you know if an annual is about to hit, or how else do you keep track of all of those?

spreadsheet on google docs

[michigancat]

how do you guys keep track of so many cards?  you can't carry them all in your wallet, do you just throw them in a drawer somewhere?  does award wallet let you know if an annual is about to hit, or how else do you keep track of all of those?

I generally use one at a time for the signup bonus plus Sapphire for travel/restaurants and Freedom for bonus categories. And I have a google docs spreadsheet that I'm bad at updating but I've only hit the annual fee once on accident and I just had them reverse it and canceled the card. google docs are fantastic, BTW.

[steve dave]

yeah, you have like 60 or 90 days or something to cancel the card after the fee posts and have them remove the annual fee.

[meow meow]

yeah, you have like 60 or 90 days or something to cancel the card after the fee posts and have them remove the annual fee.

did not know this, thanks

[Mrs. Gooch]

I have my spreadsheet on Dropbox. Also, just added apply date and cancel date to the spreadsheet recently since I didn't have those on there before.

I have 1 tab for open cards and 1 tab for closed cards.

[ShellShock]

Amateur question here:

Is there any way I can get my Delta miles to transfer to something else like SPG? I only fly Delta into like 3 airports and would rather use those points elsewhere. TIA

just go somewhere new. I mean I imagine Delta flies to more than three places you want to go. sheesh.

My point is that I have loads of United Miles and SW points that I actually use and accrue and these Delta ones seem like a real waste. Plus, I really hate Delta and the only reason that I fly them is because all the other airlines times to small airports suck.

[ksupamplemousse]

Amateur question here:

Is there any way I can get my Delta miles to transfer to something else like SPG? I only fly Delta into like 3 airports and would rather use those points elsewhere. TIA

just go somewhere new. I mean I imagine Delta flies to more than three places you want to go. sheesh.

My point is that I have loads of United Miles and SW points that I actually use and accrue and these Delta ones seem like a real waste. Plus, I really hate Delta and the only reason that I fly them is because all the other airlines times to small airports suck.

If you continually fly Delta, then you're going to continually have Delta points.

[steve dave]

you can use them for crappy stuff like shopping with miles or something but it's a terrible redemption

[mocat]

I have loads of United Miles and SW points that I actually use and accrue and these Delta ones seem like a real waste. Plus, I really hate Delta and the only reason that I fly them is because all the other airlines times to small airports suck.

what in the

[Trim]

how do you guys keep track of so many cards?  you can't carry them all in your wallet, do you just throw them in a drawer somewhere?  does award wallet let you know if an annual is about to hit, or how else do you keep track of all of those?

Personalized shoeboxes.

[Trim]

I keep running out of time on weekends to do this, but I need to organize the dates on all my chase cards.  I'd planned to get a new CSP and then I'd be good for a while holding it, Freedom, Ink and a Hyatt and IHG with the annual free night being worth the annual fee, but that 5 apps in 2 years rule might eff me.

[steve dave]

I keep running out of time on weekends to do this, but I need to organize the dates on all my chase cards.  I'd planned to get a new CSP and then I'd be good for a while holding it, Freedom, Ink and a Hyatt and IHG with the annual free night being worth the annual fee, but that 5 apps in 2 years rule might eff me.

keep in mind the 5 apps in 2 years is for ALL credit cards, not just chase cards. I'd be unable to get another UR card for the rest of my life.

[Trim]

I keep running out of time on weekends to do this, but I need to organize the dates on all my chase cards.  I'd planned to get a new CSP and then I'd be good for a while holding it, Freedom, Ink and a Hyatt and IHG with the annual free night being worth the annual fee, but that 5 apps in 2 years rule might eff me.

keep in mind the 5 apps in 2 years is for ALL credit cards, not just chase cards. I'd be unable to get another UR card for the rest of my life.

Damn, I'll def be out of the chase game for a bit then.  Guess it might be time to learn how to use excel or something.  #MainAdministrator

[The Tonya Harding of Twitter Users Creep]

Also, the Mrs. has some side gigs every now and again. Maybe about one project per year. Is that enough to consider her a business owner? Should I try to get the Ink?

i hope your wife calls them "side hustles" for her street cred.

[steve dave]

I keep running out of time on weekends to do this, but I need to organize the dates on all my chase cards.  I'd planned to get a new CSP and then I'd be good for a while holding it, Freedom, Ink and a Hyatt and IHG with the annual free night being worth the annual fee, but that 5 apps in 2 years rule might eff me.

keep in mind the 5 apps in 2 years is for ALL credit cards, not just chase cards. I'd be unable to get another UR card for the rest of my life.

Damn, I'll def be out of the chase game for a bit then.  Guess it might be time to learn how to use excel or something.  #MainAdministrator

the new rule only applies to the Chase proprietary products though. So CSP/Ink/Freedom.

[Trim]

I keep running out of time on weekends to do this, but I need to organize the dates on all my chase cards.  I'd planned to get a new CSP and then I'd be good for a while holding it, Freedom, Ink and a Hyatt and IHG with the annual free night being worth the annual fee, but that 5 apps in 2 years rule might eff me.

keep in mind the 5 apps in 2 years is for ALL credit cards, not just chase cards. I'd be unable to get another UR card for the rest of my life.

Damn, I'll def be out of the chase game for a bit then.  Guess it might be time to learn how to use excel or something.  #MainAdministrator

the new rule only applies to the Chase proprietary products though. So CSP/Ink/Freedom.

Got it.  CSP is the only one I really need to add to my lineup anytime soon though.  Until I do, my Hyatt card's what I use for those bonus categories when I'm not trying to get spend or have a periodic bonus with a different card.