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

Discussion in 'The Mainboard' started by blind dog, Apr 10, 2015.

  1. CF3234

    CF3234 Fan of: Bandwagons
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    Reconsideration?
     
  2. ohhaithur

    ohhaithur e-Batman
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    If chase says no you can appeal. Which you will want to do asap. And they have bankers hours for the most part. 9pm Monday might even be too late
     
  3. Jimmy the Saint

    Jimmy the Saint It's like the Weimar Republic in that place
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    I'll be back under again in the summer and will probably start down that route then.
     
  4. CF3234

    CF3234 Fan of: Bandwagons
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    Oh if they deny me the card. Got it.
     
  5. ohhaithur

    ohhaithur e-Batman
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    If you double dip you might have to do it even pending. Which is the risky part

    God speed
     
    CF3234 likes this.
  6. ohhaithur

    ohhaithur e-Batman
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    Cool. Well I like the hyatt card even at this bonus but it depends on your travel goals
     
  7. laxjoe

    laxjoe Well-Known Member
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    What do I need to do to see my business and personal Chase amounts in one place?
     
  8. Uncle Tupelo

    Uncle Tupelo Well-Known Member
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    Call and tell them you would like to combine your personal and business login into one.
     
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  9. NoNatty

    NoNatty Keyboard Cowboy
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    are you talking CC’s only? I was told you can’t combine business checking and personal CC into the same login.
     
  10. laxjoe

    laxjoe Well-Known Member
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    business credit card with personal checking, savings, CC. just called them up and they were able to do it. no idea about business checking and personal CC's though
     
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  11. BrickTamland

    BrickTamland You're not Ron...
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    I have one log in on the app that takes me to three options: personal accounts (checking, saving, personal cards) then business checking, and lastly business cards. It definitely can be done.
     
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  12. Lipp

    Lipp Spartan Dawg
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    Yes - I have seen people approved for multiple SW cards. I haven’t seen much talk in here about the United Explorer card, but if you go with the Hyatt or SW, please use one of our referrals. Free ~$150.
     
  13. Uncle Tupelo

    Uncle Tupelo Well-Known Member
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    CIP if you have less than 3.
     
  14. Zabka

    Zabka Well-Known Member
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    Do you know if three is the limit they’ll issue to one individual?

    What types of businesses did you use when applying for three separate CIP cards?
     
  15. LSU90

    LSU90 Well-Known Member

    My wife and I both have 3 CIP's right now. There is no known hardfast limit. So as long as you keep your velocity low and C/I ratio below 50% you can get as many as you want until they turn you down. I know there are data points with people getting 7+ of them.

    As for the business just whatever you feel comfortable with. I say I sell used merchandise.

    Obligatory referral: https://www.referyourchasecard.com/21/EIGT0TVUE5
     
  16. NoNatty

    NoNatty Keyboard Cowboy
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    how often are you spreading the applications out?
     
  17. Zabka

    Zabka Well-Known Member
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    When you say you sell used merchandise, are you using that for every application, or mixing it up for each application?

    I have two CIPs. One for my S-Corp business that is my primary source of income, and a second for a sole-prop that is me managing rental properties. Both are very legit, but for someone pushing things further for additional cards, would you add additional sole-props with different lines of business?
     
  18. Jimmy the Saint

    Jimmy the Saint It's like the Weimar Republic in that place
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    Going with the World of Hyatt card. Who's got a referral?
     
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  19. The_Baumer

    The_Baumer Go Mordecai!

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  20. Jimmy the Saint

    Jimmy the Saint It's like the Weimar Republic in that place
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    Applied, got the "we need more time." Doesn't surprise me as I have some AU cards I will need to talk away.
     
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  21. Lipp

    Lipp Spartan Dawg
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  22. Lipp

    Lipp Spartan Dawg
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    That’s bc you used his link instead of mine.
     
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  23. The_Baumer

    The_Baumer Go Mordecai!

    Please don’t slander my referrals. Thanks in advance.
     
    WC, EMAW FC, laxjoe and 3 others like this.
  24. LSU90

    LSU90 Well-Known Member

    I don't MS and I go back and forth between my wife and I so it works out where it keeps my velocity good. So usually get a new card every 2 months so each person gets a new card approximately every 4 months.

    When I say I sell used merchandise I put that on every application. I sell my used textbooks, used house items, etc on ebay, facebook, and amazon. I want to say I put that I do 3k in revenue and have been at it for 7 years. It does not have to be complicated or anything. You should not have any issue (as far as I know of) getting a CIP3 especially if they are legitimate businesses.
     
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  25. Spontaneous Cumbustion

    Spontaneous Cumbustion Well-Known Member
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    So AA won't let you pay for a flight in part points/part cash? Instead they make you purchase more airlines points at a ridiculous rate? Fuck them.
     
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  26. CF3234

    CF3234 Fan of: Bandwagons
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    ohhaithur is it too early to do the CSR if I plan on doing CSP tomorrow at 9:00 am?
     
  27. Jimmy the Saint

    Jimmy the Saint It's like the Weimar Republic in that place
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    I don’t think this is particularly common with airlines.
     
    Lipp likes this.
  28. Zabka

    Zabka Well-Known Member
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    Do you know if they will allow you to use CIP2 as a referral when applying for CIP3? I've always used my wife as a referral, which works just as well, but I'm curious if they will allow you to refer yourself.
     
  29. ohhaithur

    ohhaithur e-Batman
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    The Chase reconsideration line hours of operation are usually: 7am to 10pm EST Monday through Friday. 8am to 1 pm EST Saturday.

    So do it with that in mind
     
  30. CF3234

    CF3234 Fan of: Bandwagons
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    ok. But I'm good to go If I apply now and then again tomorrow morning? It just needs to be within 24 hours.
     
  31. ohhaithur

    ohhaithur e-Batman
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    There aren't enough data points to know exactly how it works but I'd do 8:30pm et and and 8am et. I'd try to go under 12 hours but as always, I'm extra cautious with chase
     
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  32. CF3234

    CF3234 Fan of: Bandwagons
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    ok thanks. That's why I'm asking a bunch of times. Want to make sure I do everything as correct as possible. Appreciate the help.
     
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  33. ohhaithur

    ohhaithur e-Batman
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    Incognito for both. Csr first. Referral for csp

    You ready
     
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  34. CF3234

    CF3234 Fan of: Bandwagons
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    I should or should not be logged into my chase account when I apply?
     
  35. ohhaithur

    ohhaithur e-Batman
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    Not. Part of your incognitoness
     
  36. CF3234

    CF3234 Fan of: Bandwagons
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    That's what I figured.
     
  37. LSU90

    LSU90 Well-Known Member

    You can self referral using your own CIP or CIP2
     
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  38. CF3234

    CF3234 Fan of: Bandwagons
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    one last question before I hit submit, should I be using a different email then my normal chase account? also, should I be using a different email then the one I used today when I do CSP tomorrow?
     
  39. ohhaithur

    ohhaithur e-Batman
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    I don't think it matters
     
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  40. CF3234

    CF3234 Fan of: Bandwagons
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    they need to review. Call asap?
     
  41. CF3234

    CF3234 Fan of: Bandwagons
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    Called reconsideration line, they bumped me to a different dept that is closed for the night. I guess this means I'm shit out of luck?
     
  42. ohhaithur

    ohhaithur e-Batman
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    Try early am then apply csp immediately and pray
     
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  43. CF3234

    CF3234 Fan of: Bandwagons
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    how will I know if it worked or not?
     
  44. ohhaithur

    ohhaithur e-Batman
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    They'll approve you
     
  45. CF3234

    CF3234 Fan of: Bandwagons
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    so if CSP get's approved I will 100% get the signup bonus? If denied/pending I need to call again?
     
  46. ohhaithur

    ohhaithur e-Batman
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    Historically
     
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  47. CF3234

    CF3234 Fan of: Bandwagons
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    reconsideration dept won't expedite me. Oh well.

    [​IMG]
     
  48. ohhaithur

    ohhaithur e-Batman
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    RIP
     
  49. ohhaithur

    ohhaithur e-Batman
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    Just to make CF3234 feel better, I give a lot of advice but sometimes I fuck up too. And I made a comedy of errors on my return trip:

    1. I didn't know AA doesn't upgrade award seats, even with platinum pro
    2. I upgraded my return with points...only to find out I had the wrong airplane layout so my seats weren't layflat
    3. I showed up to the admirals club but wasn't let in (first only gets you in on international, not just long-haul anymore)
    4. I thought my meal selection was for my redeye not my connection so I was very hungry until I asked for my breakfast to be served five hours early

    I'm human too
     
  50. CF3234

    CF3234 Fan of: Bandwagons
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    shit happens. Still needed the card because my CC game was weak as fuck. Just won't get to double dip on points.