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re: Credit Card Rewards and Points Discussion
Posted on 4/25/19 at 10:52 am to bbap
Posted on 4/25/19 at 10:52 am to bbap
I'm going to try for another Chase Ink Preferred card, this time for my wife. I have 2 myself already but I actually have 2 legit side gigs. She doesn't have any.
Any suggestions on what I can say she does on the side?
Any suggestions on what I can say she does on the side?
2
Posted on 4/25/19 at 1:22 pm to bbap
Fluffer.
Bookkeeping.
Your choice.
Bookkeeping.
Your choice.
Posted on 4/25/19 at 2:17 pm to VABuckeye
quote:
Fluffer
Walked into that one.
Posted on 4/25/19 at 4:52 pm to bbap
quote:
I'm going to try for another Chase Ink Preferred card, this time for my wife. I have 2 myself already but I actually have 2 legit side gigs. She doesn't have any.
Any suggestions on what I can say she does on the side?
I recently got a Chase Ink Preferred card and I don't have a business. It's my first Chase card.
I put Retail: Nonstore Retail/Used Merchandise Stores/Used Merchandise Stores. For income I put $1,000 and 1 year in business. Called the automated line the next morning and was approved.
Are your side gigs under an EIN? If so, you should be able to apply two more times under your SSN. One with full name including middle name and one with full name minus middle name.
Posted on 4/25/19 at 6:06 pm to wizziko
My wife and I both have CSR's, and a Freedom card in both our names.
If we wanted to get rid of her CSR And get her a CSP, could we do that? What happens to your Chase account when you close your only card and then try to get another card, do they leave your account with no cards open or do you have to create a new account?
And if you close the CSR and apply for the CSP, do you have to let a certain amount of time go by before doing so?
If we wanted to get rid of her CSR And get her a CSP, could we do that? What happens to your Chase account when you close your only card and then try to get another card, do they leave your account with no cards open or do you have to create a new account?
And if you close the CSR and apply for the CSP, do you have to let a certain amount of time go by before doing so?
Posted on 4/25/19 at 6:37 pm to kywildcatfanone
quote:
If we wanted to get rid of her CSR And get her a CSP, could we do that?
I think the only way to do that would be too product change from the CSR to the CSP.
quote:
What happens to your Chase account when you close your only card and then try to get another card, do they leave your account with no cards open or do you have to create a new account?
I'd imagine they close your entire account if you don't get that other car before you close your account.
quote:
And if you close the CSR and apply for the CSP, do you have to let a certain amount of time go by before doing so?
I think it's like 48 months now to wait in between applying for those cards.
Here's an article on it. LINK /
Posted on 4/25/19 at 7:18 pm to wizziko
quote:
Are your side gigs under an EIN
Both are under SSN. I don't really want to risk anymore on my name. Not to mention I just got my 2nd one just 40 days ago.
Appreciate the tip on how you applied.
This post was edited on 4/25/19 at 7:19 pm
Posted on 4/25/19 at 7:41 pm to bbap
quote:
Both are under SSN. I don't really want to risk anymore on my name. Not to mention I just got my 2nd one just 40 days ago.
Ok well you're already set the max for that one. You can still get the Ink Unlimited and Ink Cash If you hadn't already. Be sure to send her your referral code for the Ink Preferred.
Posted on 4/25/19 at 8:06 pm to wizziko
quote:
Be sure to send her your referral code for the Ink Preferred.
No doubt. Got the 20k referall on my most recent CIP by self referring.
Posted on 4/25/19 at 8:06 pm to wizziko
quote:
I think it's like 48 months now to wait in between applying for those cards.
Yup and you can’t currently have another Sapphire product at the time you apply for the other...
Chase are being real harasses these days.
Will be interesting to see how it plays out long term.
Posted on 4/25/19 at 8:13 pm to kywildcatfanone
quote:
My wife and I both have CSR's, and a Freedom card in both our names.
If we wanted to get rid of her CSR And get her a CSP, could we do that? What happens to your Chase account when you close your only card and then try to get another card, do they leave your account with no cards open or do you have to create a new account?
If you have a freedom card can't you transfer her points to that before canceling the CSR. Or better yet just transfer them to your CSR card since you are keeping it open.
Posted on 4/26/19 at 2:27 pm to Lsut81
Need some help with my scenario:
In the last 9 months I got a “Chase Business Preferred Ink” card with 80,000 bonus points for a business I run, and then a “Chase Sapphire Preferred” for expenses that are reimbursed for a position where I am an independent contractor for another company.
First question:
- how do I combine those points and what is the most effective use for using them for travel?
Second question:
- I am thinking about having my wife apply for another credit card for our monthly household expenses (groceries, entertainment, etc.) to rack up points to combine with the above two cards. What card and strategy would y’all suggest?
In the last 9 months I got a “Chase Business Preferred Ink” card with 80,000 bonus points for a business I run, and then a “Chase Sapphire Preferred” for expenses that are reimbursed for a position where I am an independent contractor for another company.
First question:
- how do I combine those points and what is the most effective use for using them for travel?
Second question:
- I am thinking about having my wife apply for another credit card for our monthly household expenses (groceries, entertainment, etc.) to rack up points to combine with the above two cards. What card and strategy would y’all suggest?
Posted on 4/26/19 at 2:42 pm to TigerGrad2011
quote:
First question:
- how do I combine those points and what is the most effective use for using them for travel?
Transfer you ink posts to the sapphire card in the rewards portal. There is a button that says combine points.
Be sure to move the ink points to CSP and not vice versa because CSP reimburse for travel at a 1.25 rate.
quote:
I am thinking about having my wife apply for another credit card for our monthly household expenses (groceries, entertainment, etc.) to rack up points to combine with the above two cards. What card and strategy would y’all suggest?
Another business preferred ink card. Be sure to refer her. 20k to you for the referral, 80k to her once she hits minimum spend. $1,250 value once you transfer those points to your CSP account. For a $95 annual fee.
This post was edited on 4/26/19 at 2:45 pm
Posted on 4/26/19 at 2:43 pm to TigerGrad2011
Transferring Ultimate Rewards Points Between Accounts
I transfer points to airlines. Some use the Chase portal.
I transfer points to airlines. Some use the Chase portal.
Posted on 4/26/19 at 3:00 pm to bbap
How often can you open cards for each of us in chase and can you close accounts eventually to stop getting charged the annual fee, but move the points along to one of the other cards?
Also, I believe the Chase Business Ink showed a 1.25 per point when I was playing around with the value and looking at booking through them.
Also, I believe the Chase Business Ink showed a 1.25 per point when I was playing around with the value and looking at booking through them.
Posted on 4/26/19 at 3:06 pm to TigerGrad2011
quote:
How often can you open cards for each of us in chase and can you close accounts eventually to stop getting charged the annual fee, but move the points along to one of the other cards?
There are limits but it doesn't sound like you are close yet so I wouldn't worry. I think it's 5 cards in 24 months per individual but I'm not sure if the business cards count.
quote:
Also, I believe the Chase Business Ink showed a 1.25 per point when I was playing around with the value and looking at booking through them
Oh it may. I have the CSR which is 1.5 so I transfer all of my reward points to that card. I must have forgotten the ink redeemed at 1.25.
Posted on 4/26/19 at 3:11 pm to bbap
I want to save up about $10,000 worth of points and take a big trip all at once to Europe or Asia. I am going to pair it with other hotel points I have as well and try to only pay for food and drinks.
Would you suggest waiting and opening a CSR card in the year that we look to use the points for the travel to get the 1.5 redemption and free travel credit as well?
Would you suggest waiting and opening a CSR card in the year that we look to use the points for the travel to get the 1.5 redemption and free travel credit as well?
Posted on 4/26/19 at 3:15 pm to TigerGrad2011
I'm currently in the same process.
Yes I'd definitely open the csr at some point. In my opinion you made a bit of a mistake by choosing the csp over the csr (although I did both for both sign up bonuses - one in my name, one in the wife's).
Redeems at 1.5 instead of 1.25
3x on travel and food vs I believe 2x
And once you back out the travel credits it's only $50 more a year in annual fee.
But yeah I think the CSR is a great card to have and I do recommend getting it before your big trip.
Yes I'd definitely open the csr at some point. In my opinion you made a bit of a mistake by choosing the csp over the csr (although I did both for both sign up bonuses - one in my name, one in the wife's).
Redeems at 1.5 instead of 1.25
3x on travel and food vs I believe 2x
And once you back out the travel credits it's only $50 more a year in annual fee.
But yeah I think the CSR is a great card to have and I do recommend getting it before your big trip.
Posted on 4/26/19 at 4:38 pm to TigerGrad2011
quote:
How often can you open cards for each of us in chase
Once every 3 months is safe. The business cards don't count towards 5/24.
quote:
I want to save up about $10,000 worth of points and take a big trip all at once to Europe or Asia.
You can apply for the Chase Ink Preferred (one more time), Chase Ink Unlimited, and Chase Ink Cash. Your wife can apply for the Chase Sapphire Reserve, Chase Ink Preferred (two times), Chase Ink Unlimited, and Chase Ink Cash. That's 490,000 points not including the spend to get the bonuses in until you already have.
The only issue you may run into is the amount of credit you have with Chase. So you may have to decrease the credit limits on some of those cards.
Posted on 4/26/19 at 5:56 pm to wizziko
I want to start building credit for my daughter. Which idea is best?
Getting her a starter card or adding her as an authorized user to one of my cards?
If I got her a starter card I don't really plan on letting her hold it. I may just add a couple of recurring expenses on that card and maybe let her use it when she needs gas.
I'm not hugely worried about points. I mainly just want to start building her credit so she's not leaving college with a blank slate.
I just don't know what builds credit better, being an authorized user on my card or having one in her name.
Getting her a starter card or adding her as an authorized user to one of my cards?
If I got her a starter card I don't really plan on letting her hold it. I may just add a couple of recurring expenses on that card and maybe let her use it when she needs gas.
I'm not hugely worried about points. I mainly just want to start building her credit so she's not leaving college with a blank slate.
I just don't know what builds credit better, being an authorized user on my card or having one in her name.
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