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Sailor Taylor

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Posts posted by Sailor Taylor

  1. I canceled 2 cruises.  The one I canceled in Feb right before the shyt hit the fan was refunded right away I was surprised how fast it was.   The one I canceled around March 13th, well, still waiting.  I

     

    Both were canceled before final payment due and I had refundable deposits on both.  No FCC or special process necessary. 

  2. 6 minutes ago, Host Clarea said:

    Taxes and all Cruise Planner purchases made for the second guest will automatically be refunded to the credit card used to make the purchases.

     

    Thank you, Bob!  

     

    One further question, I didnt use credit card, instead I used OBC through the cruise planner to pay for the drink packages and excursions.  Will OBC be refunded like cash or credit card payment too?   I would like to use refunded obc for gratuities and other things. 

     

    TIA!  

  3. Aug 28th?  You have 2 weeks.  If you have good credit score and a bank account and good relation with Bank of America you have a good chance to make the NCL credit card idea work.  Bank of America is the issuer of almost all cruise line credit cards.  

     

    If you decide to apply, apply early.  Even with instant approval it may take 5 to 7 business days to receive the card.   Even though BOA is known to give out card numbers immediately after approval and before sending out the physical card you can only use the number with merchants who don't need the security code.  I am not 100% sure but I think NCL requires the security code. 

     

     

  4. 8 minutes ago, fredflint said:

    what do you mean by 4/24?  The funny part is my wife has relatively few cards and her score is higher than mine since my income counts towards her score.

    Bad part is we have a ton of chase cards and they will not let us get anymore from offers.

    5/24 is an unwritten Chase rule that limits how many Chase credit cards you can have.  Basically you cannot have 5 or more new cards within 24 months.    There are currently great bonuses out there that I can't get due to the rule.   

     

    They also have a bunch of other less restrictive rules. If you are hoping to open new Chase cards it's best to close some old ones that are not used.  

  5. 23 hours ago, fredflint said:

    Come on I have 24 cards right now according to credit karma.  The secret is not to carry a balance

    credit.JPG

    I am going to guess you are way above 5/24 by now.   😱

     

    i got piles of offers in the mails but sitting at 4/24 I don't dare to do anything.  My credit score is also well over 800.  Dang that rule. 

  6. Haha I plan to do the same! Sonetime !    

     

    But for now I am under 5/24, at 3/24 to be exact and I will apply a couple of much better credit cards first.  

     

    Once I am above 5/24 I will do a flurry of cruise cards all at once and get OBC for them all.  And then wait till I drop below 5/24 and start again. 

     

    Haha!  

    • Haha 1
  7. Great savings!  👍

     

    I only started using TA's recently and finding myself routinely saving around 10% if I count the perks.  And I don't even look very hard. If I wanted to spend more time shopping I could probably save more but the ROI of my time wouldn't be worth it at that point for me.  too bad I started too late and now almost all lines only give me 30 to 60 days to do the transfer to a TA.  

     

    now a question to frequent Celebrity cruisers who use American Express cards: do you ever receive offers from Amex like the ones with Princess or HAL?  looks to me American express only works with Carnival brands. 

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