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Brian Fellows posted:I just read through the last ten pages and didn't see anyone with the same question as me, so here I am. I'd call up Chase but I'm guessing my chances are better of someone here knowing the answer. With your good credit and track record with Chase, if you get denied, you can call them and ask for reconsideration. Explain yourself. I think you have a valid reason.
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Dec 26, 2017 19:33
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Brian Fellows posted:I just read through the last ten pages and didn't see anyone with the same question as me, so here I am. I'd call up Chase but I'm guessing my chances are better of someone here knowing the answer. From this it seems that you can't open a CSR while the CSP is still open. https://www.doctorofcredit.com/chase-memo-customers-can-get-one-sapphire-card-e-g-csp-cardholders-cant-get-csr/ You could transfer your ultimate rewards points to a Chase Freedom or Freedom Unlimited card, then cancel the CSP card. You could also downgrade the CSP to the no annual fee Sapphire card, then product change that to a Freedom or Freedom Unlimited. I'm not sure their system would automatically let you be approved for the CSR if the CSP had only been closed for a few days, it might take a longer. I suspect someone on the phone could get you approved if that's the case, but obviously I can't say for sure.
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Dec 26, 2017 20:11
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I opened a CSR last year with an active CSP and it wasn't an issue. Got the 100k points promotion back when they were still doing that, closed the CSP and they rolled that limit into the limit for the CSR. I went into a Chase branch to apply, not sure if that makes a difference.
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Dec 26, 2017 21:03
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ixo posted:I opened a CSR last year with an active CSP and it wasn't an issue. Got the 100k points promotion back when they were still doing that, closed the CSP and they rolled that limit into the limit for the CSR. I went into a Chase branch to apply, not sure if that makes a difference. Bolded the important part. They changed the policies in mid-2017 to say you can't have more than one open Sapphire product at the same time, and you can only get one Sapphire signup bonus every 24 months.
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Dec 26, 2017 21:23
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THF13 posted:From this it seems that you can't open a CSR while the CSP is still open. https://www.doctorofcredit.com/chase-memo-customers-can-get-one-sapphire-card-e-g-csp-cardholders-cant-get-csr/ Looks like people have had luck downgrading Sapphire Preferred to Freedom Unlimited, waiting awhile, then applying for the Sapphire Reserve. I'm going to go for this - I'll let the thread know how it works. I already got an OK to product change to Freedom Unlimited from Sapphire Reserve via direct message on their site- sounds like it's not an automatic thing IF your card is less than a year old, but mine is several so no problem. I'll wait 1 month after my card changes over to Freedom Unlimited to apply for Sapphire Reserve, just so it's for sure flushed out of their system.
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Dec 27, 2017 15:17
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Are there still any good cards that offer a bonus for purchases at drugstores?
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Dec 29, 2017 02:30
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Does anyone else have issues with Chase's fraud protection going too far? They called me this morning to say they detected fraud, I verified all information and said the transactions were valid, they said someone called about the account from a phone number that is not my own and so they were shutting it down. This is the fourth time in three years they've done this, and it's a huge pain in the rear end.
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Dec 29, 2017 18:22
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Omne posted:Does anyone else have issues with Chase's fraud protection going too far? They called me this morning to say they detected fraud, I verified all information and said the transactions were valid, they said someone called about the account from a phone number that is not my own and so they were shutting it down. This is the fourth time in three years they've done this, and it's a huge pain in the rear end. Do you know who called from the other number? If not, I'd be concerned and happy they're playing it safe.
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Dec 29, 2017 23:22
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Chaotic Flame posted:Do you know who called from the other number? If not, I'd be concerned and happy they're playing it safe. I have had issues with Chase fraud protection when there was fraud. They found it immediately, froze my account, and called me to send new cards. Worked really well.
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Dec 30, 2017 04:07
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Have not had any issues with Chase. American Express has been super vigilant on some charges they considered sketchy. Denied the charge and called me and texted me and sent an alert on my app and emailed me.
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Dec 30, 2017 15:29
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My only issues with the Chase fraud protections is that for whatever reason the sensitivity is way higher on my Sapphire Reserve than my Freedom or Amazon cards. I can fly to Europe and use the Freedom and nothing gets flagged but the second I use the Sapphire beyond a 50 mile radius it gets flagged and suspended until I call in on my own. Hopefully they tone that down when the system learns that card gets primarily used as...the travel card it is.
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Dec 31, 2017 17:49
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OnceIWasAnOstrich posted:My only issues with the Chase fraud protections is that for whatever reason the sensitivity is way higher on my Sapphire Reserve than my Freedom or Amazon cards. I can fly to Europe and use the Freedom and nothing gets flagged but the second I use the Sapphire beyond a 50 mile radius it gets flagged and suspended until I call in on my own. I also had this problem at first but after a month of traveling the world their computer must have gone 🤷♀️ and now it doesn’t care. SOMETIMES, rarely, they send me a text asking if a transaction is valid. You just reply ‘YES’ and they leave you alone.
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Dec 31, 2017 18:11
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See travel wise I've never had an issue with my Preferred or now the Reserve. It's just random stuff that will happen that causes their fraud protection to kick in. This time it was a mystery call, which could have been someone reading the wrong digits on their card for all I know. Last time it was valid purchases that they didn't trust (why yes, I did run three different bar tabs at the same bar that evening), and even after I said they were ok they said "well that's great, but we've already started the process so we will send a new card out in a week." Given the holidays, I won't get my new card for awhile. And this will be my third CSR number, after having two different CSPs.
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Dec 31, 2017 21:29
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Small White Dragon posted:Are there still any good cards that offer a bonus for purchases at drugstores? Sometimes it’ll be a category bonus for the Freedom iirc, or the AMEX Old Blue Cash if you want to go down that rabbit hole and it still exists (see flyertalk). Not especially common.
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Jan 1, 2018 04:35
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The Amazon card gives 2% back at drugstores.
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Jan 1, 2018 05:32
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Any downside to paying rent with a credit card? My cashback beats the credit card payment fee, so I'll net about $8 per monthly rent payment. I have a pretty high limit on this card, so I don't see ever going past 25% utilization even with the rent payment on there. Of course, I pay the card off in full right after the payment.
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Jan 1, 2018 17:00
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laxbro posted:Any downside to paying rent with a credit card? My cashback beats the credit card payment fee, so I'll net about $8 per monthly rent payment. I have a pretty high limit on this card, so I don't see ever going past 25% utilization even with the rent payment on there. Of course, I pay the card off in full right after the payment. No, it's a pretty good idea if you net cash from it. Utilization during your statement doesn't matter as it's only calculated based on the statement balance.
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Jan 1, 2018 17:05
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laxbro posted:Any downside to paying rent with a credit card? My cashback beats the credit card payment fee, so I'll net about $8 per monthly rent payment. I have a pretty high limit on this card, so I don't see ever going past 25% utilization even with the rent payment on there. Of course, I pay the card off in full right after the payment. This is something I wish I could do, but my landlord only takes checks  Is there any kind of workaround for this that people know about? Some way to issue a check from a credit card?
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Jan 1, 2018 20:54
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El Mero Mero posted:This is something I wish I could do, but my landlord only takes checks I've heard good things about plastiq for that, though I think it may no longer count as 3x points on many cards.
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Jan 1, 2018 20:57
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Signed up for the Uber Visa card because 4% back at restaurants/bars is really useful for me. You also get $100 back after spending $500 in the first 90 days. But IIRC, that 90 day countdown seems to start from when you open the account, not when you activate the card, which means that by the card arrives in the mail, you only have 80 days to spend $500. And that's assuming the card doesn't get lost/delayed due to inclement weather.  Would've easily hit $500 if I had gotten the card before the holidays, but I only found out about it from friends during New Year's. 
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Jan 10, 2018 10:56
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Weird, I can't get accepted for the Uber Visa card. My credit score is about 780. I did just buy a house, so maybe that's the problem. I'm on the phone with them now, I put a credit freeze on my account after the Experion thing, so maybe that's the problem. I need more credit so I can buy more things I don't need with money I don't have  They want me to mail them a copy of Driver's License, Social Security card, and utility bill...like in the mail. I can't email or fax it. I'm really not comfortable doing that, wow. My townhas had a TON of packages and mail stolen from peoples houses over the past few weeks... why can't they take a fax? EDIT: ok, they have a fax. all good. Super-NintendoUser fucked around with this message at 16:02 on Jan 10, 2018 |
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Jan 10, 2018 15:53
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The data Uber's getting must have an incredible value attached to it, like filling in a bunch of blanks and connecting otherwise lost pieces into their individual profiles. Because that card is loving nuts. The phone insurance even covers theft. I'm still keeping my CSR because I've used the Trip Interruption insurance before and it's great peace of mind, but I could theoretically cancel it and still be fine with just the Uber card.
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Jan 11, 2018 07:29
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How do people feel about the value of amex mr points? The $550 AF is crazy steep and the value of the other benefits are marginal because the centurion lounge in SFO is in a terminal totally disconnected from the terminal I frequent (meaning I would have to go through security twice). Despite AA miles being poo poo, I am tempted to sign up for the no spend 60k deal just because the sheer amount may get me one down cent flight.
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Jan 11, 2018 16:16
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For the CSP bonus, I've had the card for 4 years, can I just close it and reapply and get the bonus again? I read all the docs and it said that it's once every 24 months...
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Jan 11, 2018 16:31
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Erdricks posted:How do people feel about the value of amex mr points? The $550 AF is crazy steep and the value of the other benefits are marginal because the centurion lounge in SFO is in a terminal totally disconnected from the terminal I frequent (meaning I would have to go through security twice). It depends on what you use them for, but even the most conservative estimate would be 1 cent or $500 for 50k. Also the AF is only steep if you don't consider that you get $400 in airline fee credits, can be used for gc, and $200 in Uber.
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Jan 11, 2018 17:26
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Jerk McJerkface posted:For the CSP bonus, I've had the card for 4 years, can I just close it and reapply and get the bonus again? I read all the docs and it said that it's once every 24 months... Correct (though you might consider product changing it instead of closing - do you already have a Freedom+Freedom Unlimited?). The three requirements to be able to get the card + bonus: 1) You haven't opened more than 5 new cards in the last 2 years [this requirement can be waived if you have an in-branch pre-approval or a "Selected for you" offer for the 50k for the CSP] 2) You haven't received the bonus for that card in the last 2 years. 3) You can't currently hold another Sapphire product. Make sure to use a family member or friend's referral if possible to score them some nice extra points!
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Jan 11, 2018 21:09
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astral posted:Correct (though you might consider product changing it instead of closing - do you already have a Freedom+Freedom Unlimited?). Is it five new cards from Chase or five new cards in total? I'm sure I'm at 5+ cards in the past year, I just bought a house so I don't care about credit, it's 780 anyways, and I'm churning a new card every two months for those sweet sign on bonuses. I already have a Freedom + Freedom Unlimited.
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Jan 11, 2018 21:21
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Jerk McJerkface posted:Is it five new cards from Chase or five new cards in total? I'm sure I'm at 5+ cards in the past year, I just bought a house so I don't care about credit, it's 780 anyways, and I'm churning a new card every two months for those sweet sign on bonuses.
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Jan 11, 2018 21:33
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Star War Sex Parrot posted:5 new cards total. Churners should go for Chase stuff first because of the 5/24 rule. Ah, I think I may be ok: Chase Freedom, Chase Unlimited, Discover IT, Uber Visa. I did apply for Financing on the Google Store to buy a new Pixel, is that a credit card?
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Jan 11, 2018 21:48
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Erdricks posted:How do people feel about the value of amex mr points? The $550 AF is crazy steep and the value of the other benefits are marginal because the centurion lounge in SFO is in a terminal totally disconnected from the terminal I frequent (meaning I would have to go through security twice).
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Jan 12, 2018 00:31
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I’m getting targeted offers for the chase united card, but I’m probably over 5/24 and got the bonus on that same card a little under 2 years ago. It was cancelled in early 2016. If I’m not eligible for the bonus, why do I keep getting these offers?
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Jan 12, 2018 16:29
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Any credit cards right now with no monthly fees that are offering nice signup bonuses? I've found a bunch that give you $150 cashback if you spend X amount in 3 months, wondering if there's anything better out there. e: credit score is mid 700s. I already have a credit card through my credit union, and an Amazon card. Queering Wheel fucked around with this message at 03:14 on Jan 13, 2018 |
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Jan 13, 2018 01:42
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I now a no-fee CC available option to pay my rent. What are the best options for signup bonuses? I should be easily be able to meet any not-insane spend requirements. Score up mid-upper 700s, and I already have a CSP (opened 4/2015 iirc). I see above discussion about changing it to a freedom card and grabbing a CSR, but that also has a $450 fee attached to it. Dunno if I travel enough to use the whole bonus amount, though the TSA thing would be nice for the rare occasion when I do.
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Jan 13, 2018 02:55
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Queering Wheel posted:Any credit cards right now with no monthly fees that are offering nice signup bonuses? I've found a bunch that give you $150 cashback if you spend X amount in 3 months, wondering if there's anything better out there. Chase Freedom was originally 200 back on 500 spend, but that was years ago
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Jan 13, 2018 06:03
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ilkhan posted:I now a no-fee CC available option to pay my rent. What are the best options for signup bonuses? I should be easily be able to meet any not-insane spend requirements. Score up mid-upper 700s, and I already have a CSP (opened 4/2015 iirc). I see above discussion about changing it to a freedom card and grabbing a CSR, but that also has a $450 fee attached to it. Dunno if I travel enough to use the whole bonus amount, though the TSA thing would be nice for the rare occasion when I do. There aren't a ton of great offers out there right now, especially if you're not looking for a travel-specific card. It seems like the best offers tend to come out around the holidays. You might want to look at the BoA Premium Rewards card, though; it's new enough they're still dangling a decent carrot: https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/ 50k points (essentially $500), $95 annual fee, $3k minimum spend, and they do reimburse precheck/global entry. The earn rate isn't fantastic, but hey, it's a decent signup bonus and BoA should let you downgrade. I'd stay away from the CSR. Without the giant signup bonus, it only makes sense if you are either pumping lots and lots of travel and restaurant expenses through the card, or have a bunch of ultimate rewards points that you want to burn for travel through the Chase portal at the CSR rate. If you can't say that you will absolutely spend $300 on travel every single year, you probably don't want it.
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Jan 13, 2018 23:57
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I mean, if you've burned through most of your points and aren't actively churning, You're gonna have trouble finding round trip tickets that are less than the $300 yearly reimbursement amount. That's basically where I'm at - one or two vacations a year, either pay cash for one or buy $300 worth of gift cards to use the next year. Not everyone fulltime churns forever.
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Jan 14, 2018 00:04
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If I have the travel credit available I'm going to use it, its just not something I would do as a routine thing. Roundtrip for two down to Vegas would be about as easy a way to burn that as any, and GF would love it.
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Jan 15, 2018 06:07
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I didn't realize my Geico was being paid by credit card. If only I had switched it to my Uber Visa, I could've gotten halfway to the $500 spend bonus.  PSA for those of you who also assumed your car insurance was being drawn on your checking account.
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Jan 15, 2018 07:05
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Josh Lyman posted:I didn't realize my Geico was being paid by credit card. If only I had switched it to my Uber Visa, I could've gotten halfway to the $500 spend bonus. How do you not spend $500 in three months if you're getting a card with the intention of meeting minimum spend? Even if you're making minimum wage and operating on a super strict budget that's less than $6 a day in expenditures. Did you just forget to use the card for part of the 90 days or something?
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Jan 15, 2018 16:04
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Thoguh posted:How do you not spend $500 in three months if you're getting a card with the intention of meeting minimum spend? Even if you're making minimum wage and operating on a super strict budget that's less than $6 a day in expenditures. Did you just forget to use the card for part of the 90 days or something?
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Jan 15, 2018 16:39
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