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. sally2dicks

    sally2dicks Well-Known Member
    Colorado BuffaloesCalgary Flames

    Ouch. Do you know when they bumped it from 24 months to 48 months? I was specifically waiting for this year to get 24 months away from a stupid CSP I did.
     
  2. GoodForAnother

    GoodForAnother so casual, like a house mouse
    Staff Donor TMB OG
    Kansas State WildcatsSporting Kansas CityKansas City RoyalsKansas City Chiefs

    New AA card on the way let’s ride

    Gotta get this grAAvy train going the wife is spoiled by biz class now
     
    ohhaithur and marcus like this.
  3. ohhaithur

    ohhaithur e-Batman
    Donor

    over a year ago I think
     
  4. i am a bammer

    i am a bammer Ben Eblen>Jamychal Green
    TMB OG
    Alabama Crimson Tide

  5. Zebbie

    Zebbie Hey Mike, guess what I have in my underwear?
    Donor
    Texas Tech Red RaidersTexas RangersChicago CubsLos Angeles ChargersTexas Tech Red Raiders alt

    FYI - you may be able to churn Citi AA biz cards every 95 without needing a mailer to do it. I’ll find out in about 3 weeks when my next statement closes if the 24 month language actually sticks because I applied for one without using a mailer using the public link even though I’d opened one about 5 months earlier.
     
    GoodForAnother likes this.
  6. hawkeyeOUTeast

    hawkeyeOUTeast Love it or leave it!
    Donor

    Let me know because apparently I’m the only person who doesn’t get mailers. I’m finishing up 3rd CIP next month so will need AA to satisfy me afterwards.
     
  7. Bricktop the white

    Bricktop the white Well-Known Member


    Is it retroactive?
     
  8. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

  9. ohhaithur

    ohhaithur e-Batman
    Donor

    you're cute
     
    Nelson likes this.
  10. i am a bammer

    i am a bammer Ben Eblen>Jamychal Green
    TMB OG
    Alabama Crimson Tide

    What's the longest I'll be able to hold onto to Diamond status, assuming I don't keep it organically? My Aspire anniversary is in September.
     
  11. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

    BOOM

    CIP2 Auto approved

    :bananallama::bananallama::bananallama::bananallama:
     
    laxjoe, Louis Holth and WC like this.
  12. GoodForAnother

    GoodForAnother so casual, like a house mouse
    Staff Donor TMB OG
    Kansas State WildcatsSporting Kansas CityKansas City RoyalsKansas City Chiefs

    What are rules on the CIP these days?
     
  13. NoNatty

    NoNatty Keyboard Cowboy
    Donor
    Oregon DucksPortland Trail BlazersSan Francisco 49'ersManchester UnitedPortland Timbers

    5/24. Apply. Wait three months between applications. Apply again with referral from your first card. Repeat.
     
  14. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

    I thought 5/24 didn't apply to Business cards
     
  15. NoNatty

    NoNatty Keyboard Cowboy
    Donor
    Oregon DucksPortland Trail BlazersSan Francisco 49'ersManchester UnitedPortland Timbers

    You have to be under 5/24, but business cards don’t count towards 5/24.
     
    Sportfan and Where Eagles Dare like this.
  16. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

    Gotcha
     
  17. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

    Anyone know if I can call chase and get my card #
     
  18. marcus

    marcus Sex with old ladies for money aaaand bear traps.
    Donor
    Ohio State BuckeyesCleveland BrownsUSA RugbyTiger WoodsOhio BobcatsCleveland CavaliersCleveland IndiansOlympics

    Unless you’ve qualified via nights, I’m thinking it will end as soon as you drop/demote your card.
     
    Det. Frank Bullitt likes this.
  19. laxjoe

    laxjoe Well-Known Member
    Donor
    Notre Dame Fighting IrishAvengersSan Diego Padres

    They didn't give me my number over the phone for "security reasons" but it may be worth a shot
     
  20. Zebbie

    Zebbie Hey Mike, guess what I have in my underwear?
    Donor
    Texas Tech Red RaidersTexas RangersChicago CubsLos Angeles ChargersTexas Tech Red Raiders alt

    I’ll post an update here - FYI, the business mailers are usually a bitch to get anyway...you’re thinking of personal mailers
     
  21. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

    I know I can call and get it expedited, so I'll have to do that tomorrow AM. I need a new laptop by next Friday and need to get on it
     
  22. CoastalOrange

    CoastalOrange Well-Known Member
    Donor
    Clemson TigersTennessee VolunteersBarcelonaUnited States Men's National Soccer TeamLiverpool

    In my Chase Rewards account it says that my $300 Travel Credit has been received. Does that mean that I need to spend $300 on travel so I can start earning points again or the credit has already been applied? If I need to spend, are the gift cards still working for Chase? I know it was mentioned they did away with it for AmEx, but didn't know if Chase was different.
     
  23. PAHokie

    PAHokie Can't a bitch living say I bought her Michael Kors
    Donor
    Virginia Tech HokiesPittsburgh PenguinsAtlanta Braves

    Received means you have been credited back the $300 and now earn points.
     
    CoastalOrange and tjsblue like this.
  24. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    After getting the 7-10 day message, I was fully expecting to call recon today but figured I'd check the app status and I finally got approved for a Citi AA Biz. 65k more AA miles to the bank.
     
  25. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

    How long do I have to wait before the chase referrals hit my account? Does the user just have to accept my invitation and be accepted for the card? Or do they have to also reach the maximum bonus for me to get my referral points?
     
  26. laxjoe

    laxjoe Well-Known Member
    Donor
    Notre Dame Fighting IrishAvengersSan Diego Padres

    I want to say mine in the past have been applied with the next monthly billing cycle. But others with more experience might have a different answer
     
    Where Eagles Dare likes this.
  27. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

    Cool. About to use like 90% of my points for a flight to Bali and I need those referrals to book one hotel.

    Think CSR usually gives you a month after flights with some discounts
     
  28. Menelaus

    Menelaus The Red-Haired King
    Donor
    Alabama Crimson TideReal Madrid

    The CIP referral points showed up in my pending points a few days after my wife received her card.
     
    Where Eagles Dare and laxjoe like this.
  29. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    It'll show up as pending right away, but doesn't post until a day or 2 after your billing cycle ends
     
  30. Menelaus

    Menelaus The Red-Haired King
    Donor
    Alabama Crimson TideReal Madrid

    Correct.
     
    TAS likes this.
  31. WC

    WC Bad Company, till the day I die.
    Donor TMB OG
    North Carolina State WolfpackAtlanta BravesCharlotte HornetsCarolina PanthersCarolina Hurricanes

    Also, it’s based on approval, not spend bonuses.
     
    TAS and Where Eagles Dare like this.
  32. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
    Donor
    Auburn TigersAtlanta BravesWashington RedskinsAtlanta United

    Ok nice.

    I'll have to bug my buddy to do it quickly
     
    TAS likes this.
  33. TAS

    TAS 20_ _ TMB Poster of the Year
    Donor

    And I confirmed (or at least had success with) downgrading from CIP to CIC and not losing a pending referral bonus
     
  34. The_Baumer

    The_Baumer Go Mordecai!

    Chase Ink Unlimited now can be referred. Perhaps I’m late to the party on this but that’s news to me.

    Anyone looking to get that card should seek out referrals in this thread.
     
    #11134 The_Baumer, Jul 24, 2019
    Last edited: Jul 24, 2019
    Tony Wonder likes this.
  35. Sportfan

    Sportfan From Six to Dumptime

    Approved for my first CIP :bananallama:

    Followed the rec’s. Sole proprietor, 0 years in business, $0 revenue. Approved same day.
     
    Lipp, CoastalOrange, TAS and 3 others like this.
  36. laxjoe

    laxjoe Well-Known Member
    Donor
    Notre Dame Fighting IrishAvengersSan Diego Padres

    Damn. Fiancée applied for the ascend card from Amex the day before they launched the surpass card. She is getting the surpass, but since she applied for the ascend card, I'm assuming no shot at getting the free weekend night bonus that comes with the new surpass card?
     
  37. marcus

    marcus Sex with old ladies for money aaaand bear traps.
    Donor
    Ohio State BuckeyesCleveland BrownsUSA RugbyTiger WoodsOhio BobcatsCleveland CavaliersCleveland IndiansOlympics

    Call them. Can’t hurt.
     
  38. Jimmy the Saint

    Jimmy the Saint It's like the Weimar Republic in that place
    Donor
    Penn State Nittany LionsGreen Bay PackersChelseaHartford WhalersPhoenix Rising

  39. LSU90

    LSU90 Well-Known Member

    Chase stopped or slowed shutdowns in the Fall of 2018 before this article was written. As far as I know this is not a big concern anymore.

    By clawing back bonuses you mean taking back points from people they already earned? If so I doubt that, I could see them becoming stricter moving forward though. Also I went under contract for a home purchase a few days ago and have not had any issues pop up regarding financing.

    Are you sure you got declined or did you get just the automated 7-10 day review?
     
  40. Charlie Conway

    Charlie Conway Touch that thang fo
    Donor
    Alabama Crimson Tide

    How do I refer the CIP to myself? How do I make my name and business name different for the second one and what income numbers should I use? Also I have Roman numerals behind my name so should I not use them or what?
     
  41. Joystick Izzy

    Joystick Izzy Well-Known Member
    Donor
    Georgia BulldogsAtlanta BravesTennessee TitansNashville Predators

    Is there any reason I shouldn’t sign up for the 100k signup bonus for the Hilton honors Amex? It has zero annual fee, so I wanna make sure I’m not missing something here. I’ve stuck mostly to chase cards previously but this seems like a no brainer since there’s no annual fee.
     
  42. ohhaithur

    ohhaithur e-Batman
    Donor

    It uses a 5/24 spot and an Amex spot but otherwise no.

    You also could go for the bigger bonus and then downgrade after a year, which is what I would do
     
  43. Joystick Izzy

    Joystick Izzy Well-Known Member
    Donor
    Georgia BulldogsAtlanta BravesTennessee TitansNashville Predators

    5/24 is just chase right? Couldn’t I conceivably open the free Hilton card and some of the annual fee cards and get all the sign up bonuses for Hilton?

    For 5/24, I’ve already run through a few chase cards, so not sure there’s any that I could get right now anyway. I use the csr as my primary card, and have the freedom and bonvoy card. I’ve also closed two southwest cards and the csp in the last few years, so I’ll have to double check my 5/24 status. Are there any other personal chase cards I’m missing out on? I’m not interested in the business cards so don’t bother mentioning them.
     
  44. pratyk

    pratyk Arsenal FC, Rutgers Scarlet Knights
    Rutgers Scarlet KnightsArsenal

    Barclays now enforces 6/24 - personal or business
     
  45. ohhaithur

    ohhaithur e-Batman
    Donor

    5/24 is just Chase but it takes into account all cards opened from any banks

    United? Hyatt? That's two of their best cards anyway
     
    Joystick Izzy likes this.
  46. colonel_forbin

    colonel_forbin Well-Known Member
    Donor

    Careful on the insurance fraud there, Chuck.
     
    Charlie Conway likes this.
  47. Joystick Izzy

    Joystick Izzy Well-Known Member
    Donor
    Georgia BulldogsAtlanta BravesTennessee TitansNashville Predators

    Pretty much always fly southwest living in Nashville, so United doesn’t have much value to me. But I’ll definitely look into the Hyatt, thanks for the idea. If there’s a Hyatt referral program, let me know and I’ll use your referral link.
     
  48. ohhaithur

    ohhaithur e-Batman
    Donor

    Definitely do Hyatt first and then Hilton after. 50k Hyatt (about 1.7 cents per point imo) is more valuable than 100k Hilton (0.5 cents per point imo)

    https://www.referyourchasecard.com/m/205/6L5/FVXR/1543766811

    If there's a popop you can just close it and still be good. Thanks!
     
    Joystick Izzy likes this.
  49. ohhaithur

    ohhaithur e-Batman
    Donor

    Hmm, now that I mention it, we haven't done valuations in a while. What is everyone valuing their currencies at nowadays?