Dec 2, 2015, 5:53 pm
Last edit by: financialhippie
Successful Credit Cards Used (Posted as Purchase)
Amex Open SPG Business
AMEX SPG (non-business)
BofA - Virgin Atlantic MC
BofA - Amtrak World MC
Barclaycard Aviator Red/Silver MC
Chase Ink Plus Visa
Chase Hyatt Visa (x2)
Chase BA Visa
Chase United MileagePlus Explorer
Chase United MileagePlus Club
Chase Sapphire Preferred
Citi Prestige MC
Citi Premier MC
Citi AT&T Access More MC (3x for rent category)
Citi AA Platinum MC
FIA Fidelity Mastercard
Successful Payees:
BMW Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/19
Caliber Home Loans: Processed 12/09, Sent 12/11, Arrived-Posted 12/18
Cedent mortgage
Chase Mortgage (sends check)
Citi Mortgage: Processed 10/7, Sent 10/8, Arrived-Posted 10/15
Citizen's Auto Finance - Around 1 week.
CRA Personal Tax
George Mason University: Over a week and a half.
Infiniti Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/21
Lexus Financial. Processed 3/9/16, Posted 3/14/19
Morgan Stanley Home Loans: Processed 01/14, Sent 01/15, Arrived-Posted 01/21
National Grid Electric MA: 1 week turnaround
National Grid Gas MA: 3 week turnaround, sends physical check
"NJ City" Tax: Processed 01/21, Sent 01/22, Arrived-Posted 02/01
Penfed Mortgage: 1 week turnaround
TD Bank Mortgage (EFT)
Wells Fargo Mortgage: Processed 10/8, Sent 10/9, Arrived-Posted 10/16
Wells Fargo Mortgage: Processed 8/6, Sent 8/9, Posted 8/16
Amex Open SPG Business
AMEX SPG (non-business)
BofA - Virgin Atlantic MC
BofA - Amtrak World MC
Barclaycard Aviator Red/Silver MC
Chase Ink Plus Visa
Chase Hyatt Visa (x2)
Chase BA Visa
Chase United MileagePlus Explorer
Chase United MileagePlus Club
Chase Sapphire Preferred
Citi Prestige MC
Citi Premier MC
Citi AT&T Access More MC (3x for rent category)
Citi AA Platinum MC
FIA Fidelity Mastercard
Successful Payees:
BMW Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/19
Caliber Home Loans: Processed 12/09, Sent 12/11, Arrived-Posted 12/18
Cedent mortgage
Chase Mortgage (sends check)
Citi Mortgage: Processed 10/7, Sent 10/8, Arrived-Posted 10/15
Citizen's Auto Finance - Around 1 week.
CRA Personal Tax
George Mason University: Over a week and a half.
Infiniti Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/21
Lexus Financial. Processed 3/9/16, Posted 3/14/19
Morgan Stanley Home Loans: Processed 01/14, Sent 01/15, Arrived-Posted 01/21
National Grid Electric MA: 1 week turnaround
National Grid Gas MA: 3 week turnaround, sends physical check
"NJ City" Tax: Processed 01/21, Sent 01/22, Arrived-Posted 02/01
Penfed Mortgage: 1 week turnaround
TD Bank Mortgage (EFT)
Wells Fargo Mortgage: Processed 10/8, Sent 10/9, Arrived-Posted 10/16
Wells Fargo Mortgage: Processed 8/6, Sent 8/9, Posted 8/16
Plastiq for rent, tuition, utilities, etc.
Jan 2, 2016, 12:37 pm
#331
Join Date: Jul 2006
Programs: DL DM/MM
Posts: 2,271
Does anyone know whether using DL AMEX will cause the transaction to post as "Cash Advance" or will it post like a normal transaction? I'm thinking about using Plastiq to pay rent.
Jan 3, 2016, 11:46 am
#332
Join Date: Sep 2015
Posts: 12
I haven't used that card, but Plastiq should be a purchase. There are datapoints earlier that AmEx SPG was fine.
Jan 3, 2016, 6:46 pm
#333
Join Date: Jul 2014
Posts: 369
Amex
My SPG posts as purchase. My mortgage is automatically paid through plastiq under old promo. I am now a Starwood gold member without ever staying at one of the hotels!
Jan 5, 2016, 11:41 am
#334
Join Date: Mar 2015
Posts: 483
Just used this service for the first time. Took five days for my mortgage payment to post. Plastiq sent an email that PHH Mortgage (where my mortgage is held) was added to their electronic transfer partners. Worked fine with my CSP - posted and got points.
Jan 5, 2016, 2:10 pm
#335
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,031
The points were worth the fees to you?
Jan 5, 2016, 2:19 pm
#336
Join Date: Jul 2006
Programs: DL DM/MM
Posts: 2,271
Plastiq for rent, tuition, utilities, etc.
Is it safe to assume that my landlord will get the rent check in about 5 business days? I've never used this service before and am trying to get a sense of when my landlord will get my rent. Thanks all! 
Jan 5, 2016, 2:48 pm
#337
Join Date: Aug 2010
Location: CLT
Programs: AA, UA, BA, Hilton Diamond, Marriott Gold, IHG Platinum
Posts: 2,074
The first payment to a payee can take a little longer sometimes. I would give 10 business days cushion on the first payment to each payee.
Jan 5, 2016, 3:19 pm
#338
Join Date: Mar 2015
Posts: 483
I would still have to pay a fee to pay with online debit using Western Union if paying online. Recently my mortgage company changed it where the only thing that doesn't charge a fee is sending in a check. I don't use checks and the difference isn't that bad - I can get around 2-3 cents a point with UR. ~$1300 mortgage payment ends up being around $26 worth in travel to me (conservatively), which covers the fees, easily. At worst, it's pretty much break even.
It also provides an option to quickly hit minimum spends without MS. Sometimes I have time for MS, sometimes I don't.
It also provides an option to quickly hit minimum spends without MS. Sometimes I have time for MS, sometimes I don't.
Jan 5, 2016, 7:47 pm
#339
Join Date: Jul 2014
Posts: 369
Points are worth the Plastiq fees to me!! Flying First class this year to Japan on JAL and back First class on Cathay (via Hong Kong). Over .10 cents value per mile. $2,000 in point fees plus $200 for a ticket taht costs over 10k. (Value is judgemntal)I am paying aprox same price as non stop coach fare for first class ticket. Granted, I am actually paying for it, but I find it so worthwhile.
Jan 6, 2016, 8:59 am
#340
Join Date: Mar 2015
Posts: 483
Points are worth the Plastiq fees to me!! Flying First class this year to Japan on JAL and back First class on Cathay (via Hong Kong). Over .10 cents value per mile. $2,000 in point fees plus $200 for a ticket taht costs over 10k. (Value is judgemntal)I am paying aprox same price as non stop coach fare for first class ticket. Granted, I am actually paying for it, but I find it so worthwhile.
Jan 8, 2016, 2:49 pm
#341
Join Date: Apr 2015
Location: San Diego
Posts: 229
Good to know WF Mortgage is allowed. Has anyone tried any cash back cards - e.g., Amex Blue Cash Preferred?
I have a Chase Ink Biz Plus card as well ... so for a $2200 mortgage, I'd be paying about $55 in fees, correct?
I have a Chase Ink Biz Plus card as well ... so for a $2200 mortgage, I'd be paying about $55 in fees, correct?
Jan 9, 2016, 9:11 am
#342
Join Date: Jul 2014
Posts: 71
Paid a caliber home loans mortgage, they processed it about 1 day after I submitted the payment, it got sent 2 days later, and arrived to caliber about 1 week after that.
Now I'll try my HOA dues...
Now I'll try my HOA dues...
Jan 9, 2016, 4:26 pm
#343
Join Date: Jun 2015
Posts: 644
Anybody know if citi AA platinum select MC card will post as CA or purchase? Any data point is appreciated.
Jan 9, 2016, 5:08 pm
#344
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,031
Points are worth the Plastiq fees to me!! Flying First class this year to Japan on JAL and back First class on Cathay (via Hong Kong). Over .10 cents value per mile. $2,000 in point fees plus $200 for a ticket taht costs over 10k. (Value is judgemntal)I am paying aprox same price as non stop coach fare for first class ticket. Granted, I am actually paying for it, but I find it so worthwhile.
It sounds like you accumulated AA miles here. Was this less expensive than just buying the miles from AA? Right now, anyway, they are selling for about 2.2c/mile. Plastiq fees move around, but I generally see them at 2.5%.
Jan 10, 2016, 8:08 pm
#345
Join Date: Jul 2014
Posts: 369
Great post. It's a little refreshing to see this situation, and it makes a good point. Plastiq and other similar services are great for situations where you know you can use the points well.
It sounds like you accumulated AA miles here. Was this less expensive than just buying the miles from AA? Right now, anyway, they are selling for about 2.2c/mile. Plastiq fees move around, but I generally see them at 2.5%.
It sounds like you accumulated AA miles here. Was this less expensive than just buying the miles from AA? Right now, anyway, they are selling for about 2.2c/mile. Plastiq fees move around, but I generally see them at 2.5%.