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Message
re: Credit Card Rewards and Points Discussion
Posted on 5/9/18 at 3:14 pm to fatboydave
Posted on 5/9/18 at 3:14 pm to fatboydave
Chase is getting TOUGH. I don't think you should even call recon these days or if you do, the moment the guy sounds dubious just hang up until you get a nice lady. 
Comments that were made. Note: I'm under 5/24 but Chase keeps seeing an AU card that's been closed for months and I play dumb until they give me that info. Here are some comments.
The AU card is from my wife which I never mention. He kinda mumbles "Eight...wow"
Clearly he's looking at my wife's accounts which she has 7 open personals and 1 card that's closed but still visible on online account. I say nothing. That number doesn't match my relationship with Chase or banks overall. I have 3 personal/2 biz and haven't had a Chase account opened for two years.
He states he can reprocess the application so I'm feeling better. Asks the typical Employer, income, mortgage questions.
I state my mortgage. He says "I didn't see that on your credit report" (WTF this guy is eagle eye). I say truthfully, "Yes, we bought the house in my wife's name since I was changing jobs and didn't want to mess it up." He moves on.
After processing he just randomly says "You have two business cards with us?" (Mother fricker) "Yes, those were for my private practice" (I'm not self employed currently but that's what I opened those for maybe four years ago)
Anywho, hopefully I'm OK because I put tons of spend on cards. My wife uses 5/7 open cards pretty regularly, and I've paid multiple annual fees, but reports are they've even shut down folks under 5/24. Ruthless.
I'm out for a good while after this attempt that's for sure.
ETA: seriously if you call and get a dude just hang up and wait for a much nicer lady.
Between my last four calls 2 girls, 2 guys, I'm batting 1.000 for nice ladies and 1.000 for turd dudes.
Comments that were made. Note: I'm under 5/24 but Chase keeps seeing an AU card that's been closed for months and I play dumb until they give me that info. Here are some comments.
The AU card is from my wife which I never mention. He kinda mumbles "Eight...wow"
Clearly he's looking at my wife's accounts which she has 7 open personals and 1 card that's closed but still visible on online account. I say nothing. That number doesn't match my relationship with Chase or banks overall. I have 3 personal/2 biz and haven't had a Chase account opened for two years.
He states he can reprocess the application so I'm feeling better. Asks the typical Employer, income, mortgage questions.
I state my mortgage. He says "I didn't see that on your credit report" (WTF this guy is eagle eye). I say truthfully, "Yes, we bought the house in my wife's name since I was changing jobs and didn't want to mess it up." He moves on.
After processing he just randomly says "You have two business cards with us?" (Mother fricker) "Yes, those were for my private practice" (I'm not self employed currently but that's what I opened those for maybe four years ago)
Anywho, hopefully I'm OK because I put tons of spend on cards. My wife uses 5/7 open cards pretty regularly, and I've paid multiple annual fees, but reports are they've even shut down folks under 5/24. Ruthless.
I'm out for a good while after this attempt that's for sure.
ETA: seriously if you call and get a dude just hang up and wait for a much nicer lady.
Between my last four calls 2 girls, 2 guys, I'm batting 1.000 for nice ladies and 1.000 for turd dudes.
This post was edited on 5/9/18 at 3:38 pm
2
Posted on 5/9/18 at 4:42 pm to Teddy Ruxpin
They definitely have me scared as well. I just got the Ink Cash for the 50K, and am at 4/24 so was going to add a Freedom card but I think I'll hold off. I plan on going for Companion Pass in 2019 so I want to look as nice to Chase as possible. I may even cancel my Ink Preferred so I'll be at 2/24, 1 active personal and 1 active business card when I apply. Thinking I'll just go for the Barclay and Citi AA business cards to keep my 5/24 looking nice and give me AA miles while I'm CP-less for the rest of the year.
This post was edited on 5/9/18 at 4:54 pm
Posted on 5/9/18 at 9:04 pm to Teddy Ruxpin
TR- are you and your wife AUs on all of your Chase cards?
I always HUCA when I get a dude.
I always HUCA when I get a dude.
Posted on 5/9/18 at 10:18 pm to fatboydave
No, only on a few cards temporarily to get the AU bonuses(all AUs on those closed now) and on our Freedoms that we got well before 5/24 was a thing. Helps when maxing our quarters.
I seriously was thinking the same thing for probably over a year now but just didn't think it'd be an issue ultimately. Never again
quote:
I always HUCA when I get a dude. ?
I seriously was thinking the same thing for probably over a year now but just didn't think it'd be an issue ultimately. Never again
This post was edited on 5/9/18 at 10:26 pm
Posted on 5/11/18 at 12:24 pm to Teddy Ruxpin
What is this 5/24 stuff about?
Posted on 5/12/18 at 2:56 pm to Lookin4Par
I am at 4/24 and ready to churn.
Anyone have success applying for two cards at once and bypassing the 5/24?
Want to do the two southwest cards to get the companion pass.
Anyone have success applying for two cards at once and bypassing the 5/24?
Want to do the two southwest cards to get the companion pass.
Posted on 5/12/18 at 2:58 pm to Lookin4Par
quote:
What is this 5/24 stuff about?
Chase (possibly other banks) won't approve you if you try to exceed 5 cards in 24 months.
Posted on 5/12/18 at 4:40 pm to Lazy But Talented
I have done it with the SW cards. Make sure you apply for the business one first. lots of data points out there that this is still possible. Many are even doing it with CSR and recon CSP same day.
Posted on 5/12/18 at 4:59 pm to LSUregit
I was just looking around trying to see if it was still possible.
I will do the business one first. Need to iron out the details on how to apply without actually having a business.
I will do the business one first. Need to iron out the details on how to apply without actually having a business.
Posted on 5/12/18 at 5:01 pm to LSUregit
By first you mean simultaneously but just hitting submit first on the business application right?
Posted on 5/12/18 at 5:14 pm to Lazy But Talented
As long as same day. Do it early in day so you have time to recon. SW business card is subject to 5/24 but Chase actually does not consider their business cards as one of the 5 if already owned.
Just use your name as business name and your ssn as ein number
Just use your name as business name and your ssn as ein number
This post was edited on 5/12/18 at 5:18 pm
Posted on 5/12/18 at 5:40 pm to LSUregit
Ah ok so you’re saying make sure I get the business card approved first and then submit for the personal.
As it really isn’t worth it to end up with just the personal and would be better off waiting until I have a 5/24 freed up to apply for both again.
As it really isn’t worth it to end up with just the personal and would be better off waiting until I have a 5/24 freed up to apply for both again.
This post was edited on 5/12/18 at 5:44 pm
Posted on 5/13/18 at 10:59 am to Lazy But Talented
Hell yeah. Approved for both. Companion pass here I come!
I'm going to be sitting out the churning game for a while it seems. All 5 cards in the last year and some change.
Easy part is done. Now I have to find some friends in this city to travel with
I'm going to be sitting out the churning game for a while it seems. All 5 cards in the last year and some change.
Easy part is done. Now I have to find some friends in this city to travel with
This post was edited on 5/13/18 at 11:16 am
Posted on 5/13/18 at 6:24 pm to Lazy But Talented
Actually just noticed the person SW cards are only 40k bonus sign up now?
I will have to manufacture 10k points somehow to reach the 110k.
I will have to manufacture 10k points somehow to reach the 110k.
This post was edited on 5/13/18 at 6:29 pm
Posted on 5/13/18 at 6:43 pm to Lazy But Talented
Bummer central
Posted on 5/13/18 at 7:12 pm to Teddy Ruxpin
Damn you Teddy!
Posted on 5/14/18 at 6:16 am to Lazy But Talented
You'll be spending 4K to get the bonuses anyway so it won't be as bad, may want to pay for your initial couple flights on the cards so you can get 2x points and earn on the flights themselves. Obviously depends on your travel plans and spending habits.
Posted on 5/14/18 at 7:37 am to Lazy But Talented
check the forums to see if there are other offers for 50k points. If so you could ask to match. You can buy green dot vgcs at $5/$500 at wally world to help reach the required spend.
Posted on 5/14/18 at 8:45 am to Lazy But Talented
You'll only have to manufacture about 3K, but hopefully they'll honor a match to the 50K. Congrats on getting CP!
Posted on 5/14/18 at 9:28 am to HawkeyePierce
Thanks guys. Forgot about what will be earned from spending. I checked and buying points isn’t that expensive either, but I’m sure I can get by without doing that.
This post was edited on 5/14/18 at 9:30 am
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