I love credit cards so much! v3.0 (see first page for add'l details)

[becauseimnew]

Today's credit card fail is that I procrastinated too long about what to do with my Hilton Biz card and I missed the payment deadline

It was due yesterday and I just paid it, although I'm still not sure what to do with the card. The AF posted on August 27 so I'm thinking I could still cancel it within the next few days and get the AF refunded. But now that the payment was late, not sure what that would mean for the late fee, which I probably could get waived but I think I'd need to have the card open.

Advice anyone?

Chat with them, ask explain the situation maybe they’ll waive the late fee

 

[elgerber]

I can't even remember my last card at this point. Seems like it's been forever. It's probably been 4-5 months LOL. I think I might need a new one, I have no MSR and no more need to jack up the Cap One Venture miles. Hmmmm. Also need to know if the guy who's going to do our patio door we need, takes credit cards.

 

[palhockeymomof2]

So, I don't have high hopes for approval, but IF I were to try to support someone for a Chase card, what is a current good support card to try from?

My current Chase Cards:

Freedom
CIC
CIP
CSP

I know some support links are no longer working but I'm not sure for which card(s)... hopefully not all of them?

The CIC and CIP don’t have support links
The CSP only supports the CSP...but the support link is for a 60k UR bonus and right now the public offer is a 80k UR Bonus
the CF can support the CFF and CFU

 

[palhockeymomof2]

Just applied for Chase Ink Business Unlimited. I am 4/24 with last card being in March. (Had another one in July but was a business card). Sole Prop. 8 open Chase Cards - 4 Biz and 4 Personal. Approved instantly - only $3000 credit limit but that is fine. I plan on cancelling both SW cards coming up and possibly my Marriott Cards. Finally another MSR to meet.

Then will sign up DH for DD on CSP/CSR in November to pay for tuition in January. Nice to kind of have a plan again!!

Congrats

 

[havaneselover]

I got through eventually. It was slow and crashed several times but it did work.

I still haven't gotten through. I'll probably have to wait.

 

[palhockeymomof2]

Been MIA on here for a long time...life got busy and I've just been in a gardening state with my CC's. But the new chase offers have me thinking....that and I need to build up my stash of Disney GC's for several upcoming trips and DVC Dues. I've been so out of the "game" I'd love some feedback

FYI, I'm 1/24 right now. I've had some other cards, but they are Biz cards. So....
- Chase Preferred 80k sign up. - Don't think this is an option with the new(er) Sapphire rules but want to make sure. I did a double dip on 11/13/17 for Reserve and Preferred. Preferred has since been downgraded, but I still hold the Reserve. I can't cancel/downgrade my Reserve and then sign up for the Preferred under the 80k offer, because of the 48mo rule, right?

-Chase Flex - Watched a couple of videos and both mentioned they product changed. Any reason why a new sign up wouldn't be an option? I know it's not the best sign up bonus ever...or maybe they just didn't want to use a slot. But I have the bulk of what I need, so a new sign up doesn't seem like a bad idea. Just didn't know if I was missing something on why I couldn't. I do hold 2 Chase freedom's now...one is the downgraded preferred and the other obtained in the normal way in 9/17.

-Disney GC...so I'm pretty positive this is a no brainer, but since I'm asking ?s....here goes 4th Qtr 5%CB Cats on Freedom and Freedom Flex is WM and Paypal. I can just buy WM GC (and it will code at the 5% CB) and then I'll buy GCs at Sam's with those...or if Sam's does Paypal at checkout...hmmmm...

Thanks for any help!

You are right...with the Sapphire 48 month rule you need to wait 48 months from your last bonus and cannot have a Sapphire card open

I applied for the CFF last week, since at the time chase business cards were a no go, I’m fine with the bonus and wanted the 5x on groceries for 12 months which you don’t get with a PC

 

[Killer Fish]

I am still in a battle with the checkout screen on Microsoft.

 

[havaneselover]

I am still in a battle with the checkout screen on Microsoft.

It says Microsoft is sold out. Still trying target, but I think it's a lost cause.

Target is sold out too.

 

[SouthFayetteFan]

So, I don't have high hopes for approval, but IF I were to try to support someone for a Chase card, what is a current good support card to try from?

My current Chase Cards:

Freedom
CIC
CIP
CSP

I know some support links are no longer working but I'm not sure for which card(s)... hopefully not all of them?

Of all of those the only one with support links is Freedom (CFF or CFU) and those cards also have what many would say is the worst/lowest bonus for what it’s worth.

 

[AmyAnne]

Chat with them, ask explain the situation maybe they’ll waive the late fee

I'm not too worried about getting the late fee waived--the bigger problem is that I'm pretty sure I'll need to wait until the late fee posts before it can be waived, which is a wrench in my plan to possibly cancel the card.

 

[kayteekt]

You are right...with the Sapphire 48 month rule you need to wait 48 months from your last bonus and cannot have a Sapphire card open
I applied for the CFF last week, since at the time chase business cards were a no go, I’m fine with the bonus and wanted the 5x on groceries for 12 months which you don’t get with a PC

Yea, the small sign on plus 5x on groceries sounded like a winner to me. I just wanted to make sure I wasn't missing some reason why people were doing PC's instead of new accts. Thanks!

 

[palhockeymomof2]

Yea, the small sign on plus 5x on groceries sounded like a winner to me. I just wanted to make sure I wasn't missing some reason why people were doing PC's instead of new accts. Thanks!

Some may be over 5/24 so can’t apply for a new Chase card

 

[pinkxray]

I think I got an xbox? Got on Target right at 11, added it to the cart. Checkout was spinning and spinning. I gave up trying to use my credit card to help my MSR and just used my linked Redcard. My cart emptied and gave me an error. I got a confirmation email but never got the confirmation screen after the purchase?
thinking I should be good since I got an email?

 

[StephPlum]

This is a newbie question that I should already know but I really need confirmation. When does a card fall off the 5/24 status? Is it 24 months from approval date or from when it shows up on your credit report which is a month or so after approval. I think it is approval date but want to make sure before going for next card.

Next cards up:
Now that things are getting back to some semblance of normal on CCs. Probably will apply for a CIU for me. I don't have this one and the CIP $15K MSR is too steep for me right now. I am either 3/24 or 4/24 depending on answer above (approval for CSR was 9/16/18). Can still go at 4/24 but would feel better at 3/24. Last Chase app was 6/30 (Marriott boundless)

DH - deciding between CSP (80K URs are very tempting) and another CIU or CIC. He is 2/24 with last app 4/1. He was going to go for a CFF for the drugstore benefits but I think it might be better for me to PC my CF and have him get a CSP.

Any thoughts on strategy?

 

[havaneselover]

I think I got an xbox? Got on Target right at 11, added it to the cart. Checkout was spinning and spinning. I gave up trying to use my credit card to help my MSR and just used my linked Redcard. My cart emptied and gave me an error. I got a confirmation email but never got the confirmation screen after the purchase?
thinking I should be good since I got an email?

Sounds like it. Can you check your order history? Congrats! I’ll be stalking Microsoft until they are available again.

 

[StephPlum]

Yea, the small sign on plus 5x on groceries sounded like a winner to me. I just wanted to make sure I wasn't missing some reason why people were doing PC's instead of new accts. Thanks!

Some may be over 5/24 so can’t apply for a new Chase card

Yeah, I am 4/24 and don't want to go to 5/24 for this card. Plus we shop for groceries at Meijer and it doesn't code as grocery (at least it hasn't in the past). I could go to Kroger or GE for gift cards but already have CIC for Staples for gift cards at 5x.

 

[pinkxray]

Sounds like it. Can you check your order history? Congrats! I’ll be stalking Microsoft until they are available again.

I didn’t think of that! Thank you! It’s there.
DH will be happy Xmas morning.

 

[afan]

Just got the below email from chase. Let's hope that means they are looking right now.

We received your request for a new CHASE credit card. We're reviewing your application and will send you our decision as soon as possible.

Thanks for choosing Chase

 

[palhockeymomof2]

This is a newbie question that I should already know but I really need confirmation. When does a card fall off the 5/24 status? Is it 24 months from approval date or from when it shows up on your credit report which is a month or so after approval. I think it is approval date but want to make sure before going for next card.

Next cards up:
Now that things are getting back to some semblance of normal on CCs. Probably will apply for a CIU for me. I don't have this one and the CIP $15K MSR is too steep for me right now. I am either 3/24 or 4/24 depending on answer above (approval for CSR was 9/16/18). Can still go at 4/24 but would feel better at 3/24. Last Chase app was 6/30 (Marriott boundless)

DH - deciding between CSP (80K URs are very tempting) and another CIU or CIC. He is 2/24 with last app 4/1. He was going to go for a CFF for the drugstore benefits but I think it might be better for me to PC my CF and have him get a CSP.

Any thoughts on strategy?

It’s 24 months from when it’s showing on your credit report as opened...what date do you see

 

[*WDW*Groupie*]

I just converted 48,000 MRselect points to 70,500 Bonvoy points! Yay.

I had to transfer to 'my' Bonvoy account (which I had to get up here when I got the AmEx Bonvoy last year), then I will transfer to dh's (my real account), once the points post (up to 5 days). I took a screen shot of the transfer because I don't have much faith in Bonvoy.

Speaking of 'my' Bonvoy account, I cannot access the account online. I called CS last Monday and they weren't able to fix it. They opened a ticket for their IT department, who apparently will contact me. I followed-up on Friday and they said no one had looked at the ticket yet, but they would elevate it. Still haven't heard anything . I should also be getting a 35,000 point certificate on this account sometime in the next few weeks.