Credit Card Thread - Now with a Beginner's Guide to free travel/FAQ

I get upgraded 5 times a year one category at a time.

Once I got an upgrade of five levels at once

 

Lipp @Everyoneelse

Southwest bonuses are up to 60,000 in some cases, not via referral yet (if ever)

 

Hyatt cards now fall under 5/24 per reddit.

RIP, hope you guys got it when it was good

 

Unsuprising, but still shitty.

That 48 month DP in that thread is the bigger deal though. Really hoping thats not true

 

What is that?

 

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

 

Per the same thread, the IHG card is also now subject to 5/24.

Chase is on an anti-churning tear.

 

As they should be. Gave up on chase like ohhai said long ago

 

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

 

Giving up like 480,000 AA miles would be nuts

 

It would be pretty tight if Chase was as incompetent as Citi

 

I wouldn't need a job

 

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..

 

If you don't want em I know a g̶u̶y̶ fish who wants them

 

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.

 

You'll be fine

 

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.

 

Just got Gold on Delta and a bunch of drink tickets... but going to lose Platinum Marriott for 2019.

 

I respect the hustle

 

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.

 

Hello friend.


https://www.referyourchasecard.com/21/PKGLEYZ9LU

 

Probably, Yes. I'd wait a few months between Chase applications though.

 

The rep backtracked. We good

 

I had a similar issue with EDQs with American and flying coach / first to San Diego for a day.

 

Reserve has its benefits for sure but other cards are catching up quickly

I just can't have an AMEX as my primary card

 

A few months?!!!

 

patience is virtue, young Lipp

 

Unless you want to get shut down, probably best to wait 3 months or so

 

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 caught a fraudulent charge which was totally in line with what I would have spent realistically. Must've been the origin of the transaction

 

I'd play safe with Chase and Amex. Maybe everyone else not named Citi.

 

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.

 

Applied. Let the waiting game begin.

 

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.

 

I hope my CIP referral points were used in some way on this trip.

 

I think mine were. It’s p much like I’m head to Bangkok too iyam.

 

Need my SPG points to hit so I can book my bougie ass Greek resorts.

 

Noob question, but how do I know what relative value I’m redeeming at?

 

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