Andysol
Mouseketeer
- Joined
- Mar 5, 2015
Found the post from @Andysol I was thinking of:
Also- to anyone who isn’t doing this already with your CSR: never have it for more than one year. Get the CSR, use the travel credit of $300, pay the $450, after the first year and second wave of AFs, use the $300 travel credit again and then downgrade the card within 45 days to get your full refund (used to be 60) of 2nd AF.
Then, if you have a P2 or another Chase UR card, PC that card to a CSR and rinse/repeat. You should constantly be PCing that card annually, but it’s worth keeping because of the 1.5:1 ratio and the unmatchable insurance. Plus, you’ll always get $600 for $450
Yes - the key here is to do it with a different UR card each year to keep on the up and up with Chase! I think the AF thing is weird when you upgrade a card. It’s possible that the anniversary date stays the same so if you know when you originally applied you can beat the AF by upgrading on the 2nd of the month in the month AFTER you originally were approved. It’s hard to put it in writing lol.
One thing to remember with this: If you PC, any trip booked with the previous CSR won't have insurance anymore. Thats the one caveat/disadvantage.
Sorry for the late response. Been traveling a ton. In Hawaii this week and leaving for Japan tomorrow.