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Plastiq for rent, tuition, utilities, etc.(2017)

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Old Jan 31, 2017, 10:50 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: ed765
This is the thread for 2017. The previous discussion can be found here.

Successful Credit Cards Used (Posted as Purchase)
Amex Blue Business Plus
Amex Open SPG Business
AMEX SPG (non-business)
AMEX Delta business
AMEX business platinum and business gold (Canadian)
BofA - Virgin Atlantic MC
BofA - Amtrak World MC
Barclaycard Aviator Red/Silver MC
Barclaycard Arrival World MC
Chase Ink Cash Visa
Chase Ink Plus Visa
Chase Hyatt Visa (x2)
Chase BA Visa
Chase United MileagePlus Explorer
Chase United MileagePlus Club
Chase Sapphire Preferred (should give 2x, similar to CSR -- probably expired as of 6/5/17)
Chase Sapphire Reserve (3x, coded as travel -- this appears to have expired as of 6/5/17)
Citi Prestige MC
Citi Premier MC
Citi AT&T Access More MC (3x for rent category, misc. government services)
Citi AA Platinum MC
FIA Fidelity Mastercard
US Bank Altitude Reserve Visa

Successful Payees:
AAA (Socal, Santa Ana) insurance: Electronic payment: Processed 5/21 (Sunday), Complete 5/23, Arrived-Posted 5/26
ACS: took about 2 weeks to post
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): 2 week turnaround
Citi Mortgage: Electronic - less than 1 week turnaround as of May 2017
Citizen's Auto Finance - Around 1 week.
CRA Personal Tax & GST/HST remittances
Firstmark Services (student loan, electronically remitted)
Fidelity Bank (Mortgage) https://www.fidelitybank.com/ks/Home.aspx
Flagstar Bank (Mortgage), electronic payment, posts in 2-3 days.
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
NA Shade & Associates LLC
National Grid Electric MA: 1 week turnaround
National Grid Gas MA: 3 week turnaround, sends physical check
Nationstar Mortgage, electionic payment, post in 2-3 days.
New York Community Bank (NYCB) Mortgage: check mailed by Plastiq 4/27, posted 5/1.
"NJ City" Tax: Processed 01/21, Sent 01/22, Arrived-Posted 02/01
Penfed Mortgage: 1 week turnaround
PennyMac Mortgage: 1-1.5wk turnaround
TCF Mortgage: 1.5 week turnaround
TD Bank Mortgage (EFT)
Wawanesa USA Insurance
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

Restrictions
New VISA payments are not being accepted for mortgages.
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Plastiq for rent, tuition, utilities, etc.(2017)

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Old Jun 13, 2017, 2:51 pm
  #421  
 
Join Date: Mar 2015
Posts: 484
Hopefully AMEX doesn't make any changes.
eccentricfusion is offline  
Old Jun 13, 2017, 4:26 pm
  #422  
 
Join Date: Sep 2014
Location: NYC
Posts: 498
Originally Posted by ralphs
It sounds to me like Citi is trying to fire its most unprofitable customers, but in a soft way.

I think this is great because it means someone is trying to figure out how to make this card sustainable - which means this card may have a future!
I mean if you were not using this card for GCs and abusing the 3x category, this card it worthless. Not sure what type of future you see with this card, as many other cards offer a better return on everything this card does.
Amex For Children Of Africa is offline  
Old Jun 13, 2017, 4:42 pm
  #423  
 
Join Date: Sep 2011
Location: SNA
Programs: AA EXP, Hilton Diamond, Hyatt Globalist, IHG Plat, Marriott Gold, National EE
Posts: 1,204
Originally Posted by Amex For Children Of Africa
I mean if you were not using this card for GCs and abusing the 3x category, this card it worthless. Not sure what type of future you see with this card, as many other cards offer a better return on everything this card does.
I continue to use this card for 3x online purchases, which is a mix of personal and reimbursable business expenses. Seems to work out pretty well if I charge more than $1k a month.
ralphs is offline  
Old Jun 13, 2017, 5:11 pm
  #424  
 
Join Date: Nov 2014
Location: USA
Posts: 1,084
Isn't this card the best for online shopping?

Sure, you can use indirect ways to max online (via ink/staples GC) but with this card you enjoy price rewind and 24m extended warranty

Also to those who have received notices from Citi are these in your secure messages? I haven't seen anything yet though I just scheduled my first six payments with plastiq. I figure I can get two payments in and then either keep the next 4 at 1x or change to SPG or Amex EXP for 1.5x. Switching will undo the free first payment though
slivrflyr is offline  
Old Jun 13, 2017, 7:24 pm
  #425  
 
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,973
Originally Posted by ralphs
It sounds to me like Citi is trying to fire its most unprofitable customers, but in a soft way.

I think this is great because it means someone is trying to figure out how to make this card sustainable - which means this card may have a future!
Yeah, the same future as Citi Forward, but considering that it's a cobranded card, then even more gloomier future.
yugi is offline  
Old Jun 13, 2017, 7:26 pm
  #426  
 
Join Date: Mar 2014
Location: ATL
Programs: DL DM, Hyatt LT DM, Wyndham DM, Hertz PC, HH Gold, SPG Gold, Marriott Gold
Posts: 2,038
Originally Posted by dinanm3atl
Another payment that card processing immediately AND posts and days later it isn't sent. Willing to keep working at this but it's a bit annoying to have to do live chat 5-7 days after my card is billed to ask them to handle it.

And just like the last few times I did 1, 2 or 3 other payments at the same time. All within 5-10mins total time. All others out the door and on the way!
Update.

Received automated "Please upload an invoice". So I did. Shortly after got a "Please provide more info like social media for the business, business page and other random crap".

I am paying a contractor that did work for me... not sure why this is so hard. Plastiq has now had money from my AMEX for 10+ days.
dinanm3atl is offline  
Old Jun 13, 2017, 7:42 pm
  #427  
 
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,973
Originally Posted by Amex For Children Of Africa
I mean if you were not using this card for GCs and abusing the 3x category, this card it worthless. Not sure what type of future you see with this card, as many other cards offer a better return on everything this card does.
This card can be justified if you spend $10k a year on it in 3x categories.
yugi is offline  
Old Jun 14, 2017, 10:25 am
  #428  
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Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Originally Posted by ralphs
It sounds to me like Citi is trying to fire its most unprofitable customers, but in a soft way.

I think this is great because it means someone is trying to figure out how to make this card sustainable - which means this card may have a future!
Originally Posted by slivrflyr
Isn't this card the best for online shopping?
Originally Posted by yugi
This card can be justified if you spend $10k a year on it in 3x categories.
Can you guys please stop repeating "this card" without ever naming it? I can't figure out which care you're talking about. ralphs replied to a post that was about Plastiq and Visa, but AFAIK none of the Citi TYP cards are Visa cards (except maybe some long-discontinued-but-grandfathered ones?). So "this card" in that context makes no sense to me (given that this is a thread about Plastiq and not about any specific card).

Thanks.
Last edited by sdsearch; Jun 14, 2017 at 10:31 am
sdsearch is offline  
Old Jun 14, 2017, 11:04 am
  #429  
 
Join Date: Sep 2011
Location: SNA
Programs: AA EXP, Hilton Diamond, Hyatt Globalist, IHG Plat, Marriott Gold, National EE
Posts: 1,204
Originally Posted by sdsearch
Can you guys please stop repeating "this card" without ever naming it? I can't figure out which care you're talking about. ralphs replied to a post that was about Plastiq and Visa, but AFAIK none of the Citi TYP cards are Visa cards (except maybe some long-discontinued-but-grandfathered ones?). So "this card" in that context makes no sense to me (given that this is a thread about Plastiq and not about any specific card).

Thanks.
I was referring to the Citi AT&T Access More card. Admittedly, this discussion would probably be better had on that card's (heh) thread, so I'll refrain from continuing this derail.
ralphs is offline  
Old Jun 19, 2017, 2:38 pm
  #430  
 
Join Date: May 2015
Programs: BAEC, AAdvantage, AMEX Plat
Posts: 108
So it appears that the gravy train on 3x UR points using CSR for rent on Plastiq has stopped. Does anyone have any DPs on whether Plastiq Rent/Mortgage codes as travel for Amex PRG?
chintanshah123 is offline  
Old Jun 19, 2017, 4:11 pm
  #431  
 
Join Date: Jun 2017
Posts: 86
Originally Posted by chintanshah123
So it appears that the gravy train on 3x UR points using CSR for rent on Plastiq has stopped. Does anyone have any DPs on whether Plastiq Rent/Mortgage codes as travel for Amex PRG?
PRG doesn't have a travel category.

Restaurants, Gas, Groceries... and airfare purchased from airlines.
an mec is offline  
Old Jun 19, 2017, 5:40 pm
  #432  
 
Join Date: Mar 2015
Posts: 484
Originally Posted by chintanshah123
So it appears that the gravy train on 3x UR points using CSR for rent on Plastiq has stopped. Does anyone have any DPs on whether Plastiq Rent/Mortgage codes as travel for Amex PRG?
The only bonus from AMEX will be the potential 20% or 50% bonus on MR earned with the ED or EDP after transaction thresholds are met, although that isn't tied to merchant category. Plastiq doesn't code as any category that will award bonus points for AMEX.
eccentricfusion is offline  
Old Jun 19, 2017, 6:06 pm
  #433  
 
Join Date: Jun 2017
Posts: 86
Originally Posted by eccentricfusion
The only bonus from AMEX will be the potential 20% or 50% bonus on MR earned with the ED or EDP after transaction thresholds are met, although that isn't tied to merchant category. Plastiq doesn't code as any category that will award bonus points for AMEX.
The new (capped at 50k) Blue for Business Plus earns 2 / $ up to the cap uncategorized.

Depending on how you value MRs that could be worth more than 0.025
an mec is offline  
Old Jun 20, 2017, 10:58 am
  #434  
 
Join Date: Jul 2014
Posts: 71
My mortgage payment (sent via check to a large lender) just posted on my CSR and I didn't get 3x. I have it set as a recurring payment since the last promotion (make 6 recurring payments get fees waived for the first), but it looks like it doesn't make sense now.

Has someone already cancelled? Will Plastiq charge the waived fee of the first payment retroactively?
viag8 is offline  
Old Jun 20, 2017, 11:00 am
  #435  
 
Join Date: Dec 2004
Posts: 7,903
Originally Posted by viag8
My mortgage payment (sent via check to a large lender) just posted on my CSR and I didn't get 3x. I have it set as a recurring payment since the last promotion (make 6 recurring payments get fees waived for the first), but it looks like it doesn't make sense now.

Has someone already cancelled? Will Plastiq charge the waived fee of the first payment retroactively?
Plastiq says yes, unless something has changed.
rrgg is online now  



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