Tag Archives: Promotions

My 1 Year Wedding Anniversary Trip to Carmel, Monterey, and Big Sur

Good afternoon everyone, I hope your week is going well.  Yesterday (July 27) was my 1 year wedding anniversary – what a crazy year it has been!  If you are unfamiliar with our love story, please read Quick Update Regarding the Old 150x British Airways Avios & Match.com Promo.  Long story short, I joined Match.com because British Airways was running a huge promo and offering thousands of British Airways Avios.  In the end, I didn’t get the Avios, but I did get the girl and we got married in Sonoma, CA on July 27, 2019.  Last weekend, we drove down to Carmel / Monterey / Big Sur for our anniversary.  Here is where we stayed and ate during our trip…

Grant & Laura’s Wedding Day – July 27, 2019

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Contact American Express via Chat Regarding Missing $10 Dining Credit on AMEX Gold Card

Good morning everyone.  Long story short, I contacted American Express via chat because I had an issue with the monthly $10 dining credit on my American Express Gold Card.  I was a procrastinator in June and used my AMEX Gold Card to make a Grubhub purchase on June 30 (to trigger the June $10 dining credit).  The purchase posted the following day on July 1 and the $10 dining credit posted to my account on July 4.  The next day on July 5, I made another Grubhub purchase (to trigger the July $10 dining credit).  I immediately received the “Great news! You just used your Amex Offer” email from American Express.  Fast forward to today and I was still waiting for the $10 dining credit to post to my account.  I reached out to American Express via their chat feature.  Here is my conversation with the AMEX Rep and my thoughts…

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Overpaid Chase Credit Card? Receive Credit Balance Refund via ACH Bank Transfer Instead of Check

Good morning everyone.  A few days ago, my Chase Sapphire Reserve Credit Card statement closed and I ended up with a credit balance of $349.34 because I redeemed 1/3 of my Chase Ultimate Rewards Points for several Pay Yourself Back transactions.  I called Chase to see if I could move the credit balance from my Chase Sapphire Reserve to another Chase credit card (to act as a payment), but the rep said that the Pay Yourself Back transactions were not eligible to be moved to another Chase credit card.  She then asked if I would like to receive a check in the mail for the credit balance.  Before I said yes, I asked if it were possible to get a bank transfer instead.  She said yes – Chase recently started offering bank transfers for credit balances.  She told me I would receive an email from Chase in the next day with instructions on how to set up my Chase Payments account and receive a bank transfer.  I thanked her for her help and waited for the email to arrive.

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PSA: Check Posting Date of Discover It Purchases Near End of Quarter (Don’t Miss 5% Cash Back Transactions)

Updated 11:30am PT on 8/5/20: My August Discover It Credit Card statement showed the $16.00 cash back adjustment that I was missing on my July statement below.


Good morning everyone, I hope you all had a great Fourth of July weekend.  Yesterday, I was reviewing my Discover It Credit Card statement and noticed that I only earned $4.05 cash back on my last statement.  After reviewing my transactions, I saw that my $400 Costco online purchase posted on July 2 (2 days after the end of Q2).  In Q2, Warehouse Clubs (like Costco) were providing 5% cash back, so my $400 purchase should have earned me $20 cash back ($400 x 5% = $20).  I did some research and called Discover for help.

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Reminder: Chase’s Pay Yourself Back Feature Does Not Allow Multiple Partial Redemptions

Good morning everyone, I hope your week is going well.  A few days ago, I wrote Why I Redeemed 1/3 of my Chase Ultimate Rewards Points with the Pay Yourself Back Feature.  That post received many great comments, but the comment from Al was especially relevant to me:

“I didn’t realize that the maximum redemption for an eligible charge (grocery) had to be made at one time. I redeemed $300 out of a $500 charge figuring I could redeem the remaining $200 at a later date. Well, I was wrong. But now I know for the rest of my eligible charges.”

According to the Pay Yourself Back terms, “Once you redeem any amount of points towards an eligible purchase for a statement credit, it will no longer be an eligible purchase.” I inadvertently tested this out on June 28 when I did a partial redemption (I did not do the max dollar amount) for a Trader Joe’s purchase.  As you can see, I only have 3 eligible Pay Yourself Back transactions available.

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