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Discussion in 'The Mainboard' started by blind dog, Apr 10, 2015.
Guess? You did it in a regular browser window instead of incognito or another browser
I did it in incognito for sure, but I had generated the referral link from the same computer in a standard chrome window like 15 mins before. Wonder if that triggered something.
I’m assuming that means she is likely flagged or something on that card and not to just try again later?
Yeah, separate the referral, any device you've logged into amex on, and the application as much as possible
ELI5: How do I go about changing my American Airlines/Citi and United Airlines/Chase cards to something within Citi/Chase with no annual fee?
Question 2: Will this show up as new accounts with new hard pulls when dealing with my credit score?
Question 3: Will the credit limits be significantly less on the new no annual fee cards?
Not sure about Citi, but pretty sure you’ll have to outright cancel the Chase United card unless there’s a no fee United card offered by Chase
You call or chat or private messaging and just ask after your annual fee posts but within 30 days
No hard pull. No new account. Same credit
It's easy peasy
There used to be a no fee United card that Chase just didn’t advertise, no clue if that’s still around or not. The two club passes you get each year exceed the value of the annual fee though imo if you can use them
Am here for the second time in as many weeks. Have gotten $112 of use out of it this year and probably have two more trips through it left this year.
Alright I want to run something by the group before I try and execute it.
My annual fee for the CSR/CSP double dip hit on 8/1. I want to downgrade the CSP because I don't really get a ton of value for the extra annual fee. I will likely keep the CSP. So lets run through my plan to make sure I am on the right track.
1. I am going to call chase and downgrade the CSR to one of the no annual fee freedom cards.
2. Before I do that I want to try and cash in on the $300 annual travel credit. My plan was to buy one of the refundable southwest flights have it post and then get a refund to the card.
3. Do I need to transfer any of the remaining points to another card?
I don’t know this for sure but I’m going to assume chase is smarter than this
Post was from late last year on Reddit but that was their recommendation. IDK. If it is one of the refundable fares I am willing to give it a shot.
I have no idea. If they say it works it very well might I’m not an expert
Honestly I was just looking at where the best place to get gift cards and saw that idea. I guess the worst that happens is the travel credit gets refunded too and then I get gift cards. Even if I am not able to use the travel credit again I’m not worried about it. I have gotten really good value out of that card.
If you get it refunded to the card you will lose the credit. You need to refund it as travel credit. Essentially you're stealing a $300 gift card
So my understanding was that you made the purchase, it pushes through as a travel related purchase then the statement credit is added separately. I could then go through the process of getting the ticket refunded and the statement credit would stay on there.
From your explanation it sounds like the best bet is to just use the statement credit on something else like the gift cards and then downgrade the card.
If you'll use the Southwest credit, you could book flights to get the $300 reimbursed from Chase then just cancel the flights. Southwest will issue travel credit instead of a refund to the card and Chase will not see that you didn't take those flights
Tj is right
Also I can't believe you don't get enough out of csr to justify keeping it over csp
Maybe I am reading it wrong. With the travel credit you are looking at 95 vs 150 on the fee. My TSA precheck is up to date and lounge access goes through my wife’s Amex. You get a slight bump in points redemption and points earned but I don’t know if it justifies the 65 dollars. Travel protection. Etc is covered on the CSP. Am I missing something on the CSR.
Restaurants are 4.5% instead of 2.5%. Lounge restaurants. Trip delay. Purchase protection
Purchase protection alone justified 5 years of fee. Restaurants pay the fee five times over
Didn’t see this in the first post but know it’s been covered before (searched with no result)
Currently have CSP, spend about $8-10k a month on it and carry no balance. Wife books work travel through a 3rd party site but pays on our card. We currently have about 100,000 ultimate reward points.
At this point, looking chase reserve or Amex platinum. Don’t think I’m eligible for chase bonus because of existing card, so leaning Amex.
Any thing to consider that “thepointsguy.com” doesn’t cover?
if you can use the uber credits and airline credits the amex makes a lot of sense, plus the lounges. not worth keeping spend on after bonus though imo. saks credit too but I don't get any use out of that really.
check cardmatch to see if you get the 100k points offer
if not let me refer you
and basically any other source. Tpg is the worst
And you're correct about the reserve
Read it. Prefer Chas Edie the 5/24 rule.
I’ve had 3 different cards in 15 years. Went from capitol one to chase preferred.
If I go chase reserve, it’ll be an upgrade so
If I go Amex, I’ll downgrade preferred and spend/transfer points. Eventually only have 1 card
are you opposed to business cards? Ink preferred has a 80k UR bonus.
Ink Preferred 80K signup is tough to beat if you’re just looking for bonus points and not premium features, tho it has mid grade features I’d say.
I'd rather have the reserve than the platinum if I only had one card but I would rather have the platinum's bonus then no bonus
if you want to stick to one card what I would do is open the platinum and get the bonus and spend the bonus and then downgrade that card and then get the reserve. When did you get the preferred?
I’m not exactly sure-2 years? I called maybe six months ago and wasn’t eligible. Maybe I am now.
having an amex as primary card is just kind of a nuisance, plus CSR is a better overall card
You need it to be four years
Just called. Dec will be four years. Will wait to do reserve then
To be cautious I would consider downgrading your CSP to a Freedom or Freedom Unlimited a month before applying
Chase IHG card just bumped up to 125k sign up offer
I see what you're saying but all I see is "IHG announces fourth devaluation in five years in 2020"
I'll cross that bridge when I get there
Dammit. Just got this card for Player 2. Odds that I can talk them into giving me this offer?
Chase has matched newer offers in the past. Send a secure message with the details and see if they'll honor the newer offer
I sent a message this morning and they agreed to apply the terms of the new offer once the min spend is met. Thanks, Chase.
How do we feel about Capital One Miles? Any good at all or basically just worth 1 cent cash redemption a piece?
The Hilton Surpass offer right now is pretty legit at 130,000 points + a free weekend night. That’s pretty legit value if you play the weekend card right and don’t waste it on a Hampton Inn. Offer expires on 8/28. I actually found this super cool, helpful link:
(Scroll to the bottom to explore other cards)
Nice try, Marcus.
On a serious note - it's a pretty solid offer. Just don't self refer to amex.
RIP Marriott points (what little value they had)
Hello I am HyattBoi
Whoever your credit card is should get a raise
They devalue them again?
Worst one yet
Peak pricing starting 9/14. Book anything you can now
Glad I used all mine in Korea. Transferred the last few out to virgin Atlantic I think
Points game starting to not be as easy or valuable. If Hyatt devalues I'll really stop point hunting beyond the easy stuff.
Damn... I'm glad i used up the last 150K points I had on Cat 6 hotels for my Amsterdam/Swiss trip.