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COMMENT 15h ago

I think that's generally right, but it's generally not worth messing with the process once you have started it. As someone once told me, "don't want to pop up on anyone's spreadsheet".

That said, generally Amex doesn't do a credit pull if you have existing accounts with them, and new business cards won't show up on credit reports. That combo may or may not have been helpful when in process of my most recent refinance....

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COMMENT 19h ago

No.

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COMMENT 20h ago

This is the 3rd, all biz.

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COMMENT 1d ago

You should call or email to check. Entirely possible somehow slipped through the final step in someone's computer list.

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COMMENT 1d ago

No, entry is only from the "pre-customs" side of the arrivals area, where the CBP operations office is located.

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COMMENT 1d ago

Yes, good clarification.

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COMMENT 1d ago

Same, for one close friend I help them map out a strategy for both P1/P2. It's no extra work for me because it's all stuff I have already done. They do everything, track their own spreadsheet, etc.

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COMMENT 1d ago

Yup, pending at first, got approval about 36 hours later.

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COMMENT 1d ago

https://www.doctorofcredit.com/u-s-bank-business-leverage-visa-card-up-to-900-bonus/

Success with approval for second card after receiving first card about 8 months ago. Existing US Bank deposit relationship is super helpful for approval.

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COMMENT 1d ago

I think that's totally fair. But the tone of most of these posts I see isn't "what cool place can I go or interesting adventure can I go on?". It's "what's the best luxury redemption for Marriott points???"

I think you make a good point about being open to new things and trips where we might not know we what we are going to like. Points can certainly help with that.

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COMMENT 2d ago

Sounds like you have your next trip location then.

https://www.newyorker.com/magazine/2020/04/13/baking-bread-in-lyon

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COMMENT 2d ago

"I got so lost in optimizing everything I didnt really stop to think if this is something we even wanted to do."

Great write-up, and I think that's the key part of the whole thing. Everyone has different things they want out of a vacation/trip, and sometimes it takes some trial and error to figure out what works best for you. It's why I personally HATE the "I have xxxxk points, where should I go" posts/questions. I think it's the completely wrong approach to completely shape your trip around points. Figure out what you want to do, where you want to go, and then use points to make it happen in a way that makes sense.

My personal story is going on a trip to Europe years ago with P2, pretty much going city to city, 4 stops in 12 days. It was a nice trip, but by the end we were "citied and museumed out". Many years later we did a somewhat similar trip, to different places, and balanced it out better, with some time on the countryside and some city time, and only 3 stops instead of 4. That was perfect, and made us both very happy. So now when we do longer trips our rules are to balance cities and non-city time, and to stay no shorter than 4 days in one spot, unless it's just a brief stopover and the next stop is very close by. Getting on a flight 2 or 3 days after a long train ride is too much.

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COMMENT 2d ago

Vanilla Reloads plus Bluebird. CVS 3 blocks away had them in stock most of the time.

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COMMENT 2d ago

Good point about lower down payment. We bought with a 10% down payment, had to eat a 0.5% higher rate because of PMI. Then refinanced 4 years later and got much lower rate- made it to 20% equity through principal payments and slight increase in home value.

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COMMENT 2d ago

Yup, putting the cash to use rotating around to get bank account SUBs is a great way to keep the funds growing. One note is to stop moving money around maybe 3 months before you apply for the mortgage. Generally have to provide bank statements for the 2 months before application in order to prove you have enough money for the down payment. Any large deposits may cause flags to be raised.

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COMMENT 2d ago

Great find, thanks! I was looking for a new business card SUB and this came at just the right time. So glad I established a US Bank relationship a few years ago.

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COMMENT 3d ago

Whichever is shorter would be my initial response. Swiss A330 product isn't fantastic, but seems reasonably comfortable. All things being equal I would think an AC option which was reverse herringbone would be a better seat and probably better sleep. But are there other differences- cash cost, layover time/location? Time of departure on long-haul flight matters also- generally the later in the day the better for the red-eye flights to Europe, maximizes opportunity to sleep on the plane. 6 or 7 PM departure from YYZ means maybe 3 hours of sleep before landing, versus hopefully 6 hours on a 10 PM departure- big difference in terms of avoiding jet lag.

Edit: thanks for posting in the weekly discussion and not making a new thread like way too many people are doing now in this sub.

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COMMENT 4d ago

Nice. Yeah I think if I had been paying attention years ago I could have done it a few times in the past also. It's my longest tenured card, reaches back a very long time so I will never close it.

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COMMENT 4d ago

Awesome, thanks. Got the $150 offer on the BCE-->BCP upgrade, kind of funny as I had just downgraded it a few months ago after doing the same offer just over a year ago. I'll take their money twice, sure.

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COMMENT 4d ago

Personally I would go with economy with all that as the background. Probably avoid the last row, and get the two aisle seats on a middle section maybe 5 rows from the back. That empty middle will be among the last to fill on the entire plane, and even if it does, you slide over, and you have your own aisle exit without having to climb over the stranger, or have the stranger climb over you.

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COMMENT 4d ago

Keep an eye on business award availability, and if it opens up, change the booking and spend the extra miles for business.

If you want an exit row, pay the fee to reserve those seats.

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COMMENT 4d ago

Is the long flight on the AF 777? Might be able to pay a small fee to grab one of the seat pairs in the last few rows of economy, that would make it much better personally. AF has solid economy, the entertainment options are good and the food is good as economy goes. Having flown AF economy on my last return from Europe, I would have no issue doing it again, especially if I could get a two-some seat pair. It's sitting next to a stranger for 8 hours that gets to me more than anything.

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COMMENT 4d ago

Both options are nonstop? How long to get home from the airport after landing? If you can be home by 9:30 or so PM, I would do the Sunday flight. Straight to bed as soon as you get home, hopefully can get 8 hours sleep- I normally wake up around 5:30 AM or so the morning after getting back from Europe.

I find the daytime economy flights to be reasonable, especially if you can get a set of two seats together for just that bit of privacy. Also don't love the early wakeup to make the 9 AM flight.

The work from home part is the key- you will probably be up early enough on the day back to get a bit of early exercise in, and can sneak in a 20 minute nap in the middle of the day.

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COMMENT 4d ago

No points or status for you. Do you want the booking to be made with your credit card to get the free checked baggage allowance?

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COMMENT 5d ago

Yeah who knows, right? One of my charge approvals was Morgan Stanley Plat.