Unsuprising, but still shitty. That 48 month DP in that thread is the bigger deal though. Really hoping thats not true
Someone said they had too many inquiries in 4 years. Not the 5/24 we're used to I'm resigned to the fact I'll never get Chase again so that ok
For sure. I think it would be crazy to try to strategize to get under 5/24 now once you cross that threshold. I think the EIN loophole is next
if I don't ever fly AA should I still do the Citi thing I've started getting those flyers because i signed up for AA rewards for the one flight i have booked with them
My strategy with Chase is eat up the Annual Fee for CSR (I usually break even on travel & dining out at least) and then just target other banks.. Right now, Chase is losing a lot of money on customer acquisition and rewards - so they'll tighten up today but down the line, someone's going to come around and see stagnating growth numbers - the circus will begin again..
Oh and to answer your question Lyrtch it's up to you. You're not that deep in the game like Arkadin and I where we're going to get rejections. You can still pound things you like and will use. But the unlimited gravy train sure is nice
Motherfucker. Just applied for one maybe half an hour ago. Makes sense why I got a "we need more time to review." I'm finally back under 5/24 but AU'ed on 2 cards my gf has opened this year. Hopefully I can explain that away.
My sisters wanted to send my parents somewhere for our Christmas gift to them. They bought the flights and I used a reward night/points to get them a couple nights at the Chicago Waldorf(my mom has never been to Chi and really wants to go). Really didn’t “cost” me anything, but I get to put them up in a $450/night hotel. Feels neat. Probably gonna buy them show tickets or something, too.
I'm about to book a mileage run....fucking 600 MQMs away from Platinum on Delta. I think this is what rock bottom feels like.
Used my companion ticket for Delta Platinum Amex last weekend. No spectacular value or anything, but if you fly delta at all and travel with a spouse, it seems like a no brainer to have that card.
This is the only reason I keep that card open. Not hard to pick up a couple hundred (or more) in value there.
A friend of mine needs more AA segments to keep status. He's going to Cuba with a friend in a few weeks. His friend is flying direct and he has 3 connections on the way
Ok I’m at 2/24 and just got the 50,000 on the Ink Business Cash. Guessing best option is the 80,000 Business Ink? I have the CSR already.
think the Plat will be my next card the Reserve does not seem anywhere close to worth it unless you don't have Skyclub access and really really want it
Reserve has its benefits for sure but other cards are catching up quickly I just can't have an AMEX as my primary card
That's being very conservative. While waiting a couple months between apps is probably the best practice, it certainly is not necessary. During a six month stretch between April and October this year I opened five Chase cards. Three were business cards (for a legit business) and two were personal cards. That's admittedly pretty reckless, but I didn't experience any issues.
You can be a little reckless as long as you don't open more than two within a 30 day span. But I don't like being reckless with Chase
I think the only hard rules for Chase are 2/30 for personal cards, and 1/30 for business cards, but I like like to play it safe with them. Less eyes to your account, less chance to have to speak to recon, etc. Its definitely not necessary though. I get spooked about shutdowns. I think someone in here got shutdown this year.
chase makes me call like once a week to verify a charge but then they missed the actual fraudulent charges i got last week smdh bum ass bank
Chase caught a fraudulent charge which was totally in line with what I would have spent realistically. Must've been the origin of the transaction
Wife finally got approved for the CIP this week. With her having that and me getting approved for the Citi Business AAdvantage Platinum Select we've got some minimum spends to work on right now.
The fruits of my first redemption are currently being realized. Sitting in Korean Air Prestige Class. Chicago to Seoul and then Seoul to Bangkok. Never going back to economy. Thanks for all the help in this thread, my fellow churners.
Cash cost divided by point cost. Gives you the cents per point. My baseline is .015 since that’s what the CSR redeems for through the Chase portal