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re: Credit Card Rewards and Points Discussion

Posted on 6/6/18 at 11:37 pm to
Posted by Teddy Ruxpin
Member since Oct 2006
39608 posts
Posted on 6/6/18 at 11:37 pm to
Internet would have exploded if that were the case
Posted by Joshjrn
Baton Rouge
Member since Dec 2008
27179 posts
Posted on 6/7/18 at 9:06 am to
I thought the same, but I was still uncomfortable enough to check for myself
Posted by fatboydave
Fat boy land
Member since Aug 2004
17979 posts
Posted on 6/7/18 at 9:17 am to
moved mine over just in case.
Posted by notiger1997
Metairie
Member since May 2009
58271 posts
Posted on 6/7/18 at 9:45 am to
Sorry in advance for some a trivial question-

About a year ago my wife got the Marriott chase rewards card and of course added me as a user.

I just got an email offering 100,000 points after $5,000 in spend and a free anniversary night. Would I be able to get this?
Posted by Teddy Ruxpin
Member since Oct 2006
39608 posts
Posted on 6/7/18 at 10:24 am to
Yes. Your AU status on her card should not do anything to you.*

Unless that AU status puts you at 5/24 for a credit card that 5/24 rule applies to a credit card at Chase.

But in and of itself, no issue.
This post was edited on 6/7/18 at 10:30 am
Posted by Lickitty Split
Inside
Member since Apr 2017
3912 posts
Posted on 6/7/18 at 7:39 pm to
So I have the chase freedom and chase freedom unlimited. I’m interested in the chase United and chase sapphire. My question is do they typically waive the $95 annual fee after year one if you call and attempt to cancel?

Also, are you able to cancel after year one without being penalized?
Posted by GeorgeTheGreek
Sparta, Greece
Member since Mar 2008
66493 posts
Posted on 6/7/18 at 8:39 pm to
If you want Chase United and Chase Sapphire, why not go Chase Sapphire Reserve?
Posted by Teddy Ruxpin
Member since Oct 2006
39608 posts
Posted on 6/7/18 at 9:40 pm to
quote:


If you want Chase United and Chase Sapphire, why not go Chase Sapphire Reserve


Well, with the bonuses being the same most of the time and it being waived a lot for the first year with CSP, CSP is a better earn and cancel.

I can get United and CSP bonuses more than likely without paying a fee.

United also throws out 70k bonuses. Try to wait for something better than 50k +5k AU.

I applied for the 50k with 30k after 20k spend bonus (80k total) for CSP, no fee first year.

Also, pro tip for Chase bonuses. Even if they don't say you earn 5k points with AU purchase, add an AU anyways and have them buy something because you'll get it anyways. Wait some months and then remove them as AU.
This post was edited on 6/7/18 at 9:43 pm
Posted by Teddy Ruxpin
Member since Oct 2006
39608 posts
Posted on 6/7/18 at 9:46 pm to
quote:

Also, are you able to cancel after year one without being penalized?



Yes you can cancel after one year. What do you mean penalize?

All I can say is if you keep pushing the envelope then ya, eventually Chase may take notice of you, but you don't appear near that.

The penalty from canceling CSP for you would be you'd need to move those points to your Freedoms or you'll lose them, or to an airline. Once you cancel CSP you won't be able to transfer to airline and your points are potentially worth way more leveraged for award seats them using the Chase UR portal to buy tickets.

I don't think they particularly waive the fee for CSP, and if they do, it's case by case. If you spend a shite load on it then you may get it waived.
This post was edited on 6/7/18 at 9:47 pm
Posted by Lickitty Split
Inside
Member since Apr 2017
3912 posts
Posted on 6/7/18 at 10:13 pm to
I always thought I had to wait between 18-24 months to cancel a new card without them revoking my bonus.

So you’re saying I can get the bonus withinthr three months and then cancel when they say I owe $95 for the annual fee? This is really what I’m getting at.
This post was edited on 6/7/18 at 10:14 pm
Posted by GeorgeTheGreek
Sparta, Greece
Member since Mar 2008
66493 posts
Posted on 6/8/18 at 1:15 am to
Makes sense.
Posted by Teddy Ruxpin
Member since Oct 2006
39608 posts
Posted on 6/8/18 at 6:31 am to
Yes, you can cancel at 12 months without bonus being revoked.

Some people do it earlier but I don't play with fire like that.
This post was edited on 6/8/18 at 6:32 am
Posted by AndyJ
Member since Jul 2008
2764 posts
Posted on 6/8/18 at 3:17 pm to
Does anyone think the Chase UR portal is total garbage? I have never had a smooth experience.
Posted by Joshjrn
Baton Rouge
Member since Dec 2008
27179 posts
Posted on 6/8/18 at 5:41 pm to
quote:

Does anyone think the Chase UR portal is total garbage? I have never had a smooth experience.


It's hit or miss. Sometimes it's fine; sometimes I get pissed off and get a human on the phone. Just depends.
Posted by Ton Chou
On the Levee
Member since Feb 2010
757 posts
Posted on 6/13/18 at 7:26 pm to
After all this discussion, is there a consensus on the best card to earn points on everyday spending and bill pay to offset the cost of one or two vacations a year without all the gymnastics?
Posted by Teddy Ruxpin
Member since Oct 2006
39608 posts
Posted on 6/13/18 at 9:11 pm to
No, because every person's spending patterns and goals are different.
Posted by CE Tiger
Metairie
Member since Jan 2008
41584 posts
Posted on 6/13/18 at 10:03 pm to
Booked a Disney resort there and had a good experience.
Posted by Lazy But Talented
Member since Aug 2011
14474 posts
Posted on 6/14/18 at 2:40 pm to
My 40k for southwest personal card just posted....

I noticed in the airport this weekend they were offering 50k. I didn’t grab any of the brochures though (didn’t think about it). Do you think it’s worth calling the number on the back of the card and seeing if they’ll give me the extra 10k? Or since it’s already posted it’s probably too late?
Posted by Teddy Ruxpin
Member since Oct 2006
39608 posts
Posted on 6/14/18 at 6:58 pm to
The answer is always no unless you ask.

I saw those last weekend and thought of you
Posted by Lazy But Talented
Member since Aug 2011
14474 posts
Posted on 6/14/18 at 7:07 pm to
I just sent a request via the secure message center and see what's up.

Hopefully the offer was for both the Plus and the Premier. I only have the Plus personal.

I thought the rewards went towards A-list and priority boarding, but apparently it doesn't. That sucks.
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