I love credit cards so much! v5.0 - 2022 (see first page for add'l details)

[lsutigers03]

I'm a SUB chaser but not lots. I focus on URs so I and DH were signing up for Biz cards every 3ish months.

Have you ever run into issues doing this? I've signed up for three chase Biz cards and never had an issue but I only did it once a year.

 

[afan]

Am I missing something about the Disney Chase card? Sure the signup bonus is nice but it just pigeon holes you into Disney rewards which I'd get much better rates on other cash back cards.. right?

There's a no af version you can hold. I keep it for potential hotel discounts and because I get decent chase offers on that card. It does also sometimes have quarterly cat spends. Put my $200 pkg deposit on it to get the extra quarter spend. It has some uses esp when a lot here are looking for discounted Disney gc so if the % back is best on Disney for that purchase I'll use it.

 

[georgina]

This bummed me out that they changed the policy on having both. I have both cards but now can't churn the $89 card since I don't want to drop my $49 card. I'll just have to have DH churn since he didn't get the $49 card before it went away.

DH just got this card in Dec, and the fee has gone up to $99 now. He only paid $89 on 1/1, but they sent an email it would be going up next time.

 

[FreeDiningFanatic]

ETA: I pay my CCs weekly so they function more like a debit.

I looked at the 10xtravel group that @Narnia_girl mentioned, and one of the modules said that credit wise, it's not ideal to pay your cards off weekly. Essentially, they're saying that you don't get the benefit of showing you are paying your bills on time, because there's no bill to pay. I think this game is only valuable if you never get in the situation where you overspend or overtend yourself, and never get a finance charge. So I know lots of people choose to pay weekly just to have that security.

 

[afan]

I looked at the 10xtravel group that @Narnia_girl mentioned, and one of the modules said that credit wise, it's not ideal to pay your cards off weekly. Essentially, they're saying that you don't get the benefit of showing you are paying your bills on time, because there's no bill to pay. I think this game is only valuable if you never get in the situation where you overspend or overtend yourself, and never get a finance charge. So I know lots of people choose to pay weekly just to have that security.

But even if you pay weekly, unless you are making sure to pay it before the statement cuts, you will end up with statements that report a bal and payoff to your cr. I pay weekly and sometimes I care and pay it before it cuts and sometimes I'm working on spend and it posts.

Most people doing this have a score that's high enough none of this matters. Now if you have just paid all your cards off and are working on churning and raising your score then you want a balance to post but that doesn't mean you can't pay weekly.

I get paid weekly, I'm not going to try and figure out how to pay them all monthly. I go in each week and pay some/all of the balances depending on what's gone to savings and non cc bills that week. People need to do what works best and stop worrying about what hard pulls, statement balances and payments do to your score. At a certain point it doesn't really matter esp when you aren't posting large balances, you'll still be under 30% if not under 10% unless your spend is that insane each month.

 

[StephPlum]

Have you ever run into issues doing this? I've signed up for three chase Biz cards and never had an issue but I only did it once a year.

No. We both have multiple CICs and CIUs based on what I want to apply for.

 

[Nick6300]

For adding Dining rewards cards to your app profile for mobile orders, we're going to add Bank of America custom cash and select Dining/Restaurants for up to 5.25%. Has anyone confirmed that Amex Gold 4% works for mobile orders/table service at WDW? I'd like to add as a 2nd card.

 

[georgina]

OMG!! Thanks! You gave me great pixie dust - Instant Approval! Yay!!

Yay! You gave me courage and I was just approved for a CIU. $4000 CL only, but I should be able to shift some from my CIC. With estimated taxes due In Sept I will easily be able to make the spend. Plus 20,000 URs to DH for the referral!

It says 0% APR for 12 months. I don't normally take advantage of those, but may this time. I just have to pay the minimum due each month? And keep the balance relatively low compared to CL for credit score?

Too bad I didn't have it today when I had to spend over $4000 to get my car fixed to pass inspection. 12 year old Subaru, needed a wheel bearing as well as a new exhaust system including a catalytic converter (who knew Outbacks have 3 of those?)

 

[sinnika]

Does anyone remember the link where you can check to see if any of your Chase cards are eligible for the five times bonus from July-September 30? I seem to recall finding it on this site. Thanks for your help

 

[CaptainAmerica]

I don't know why but I am always filled with apprehension when it's time to apply for new cards. I always think maybe there's a different card I should get, or maybe I will get denied, or I worry that I am forgetting something important, lol. I hesitated on the Chase Marriott Boundless with 5 FNCs and lost out on that opportunity.

So now I am about to apply for a new Chase biz. A few days ago, I moved my UR points and closed my oldest biz card, I made the payments on all my cards. I got a referral code from P2. I previously lowered my CL on one of my Chase personal cards. I am all set...

(I was all ready on Sunday, but then I thought maybe I should wait till Monday. Now it's Tuesday, lol....)

I've decided that nothing Chase offers is lucrative enough to care about opening new accounts anymore. 5 Chase cards every two years versus 5 other cards every two months is easy math, and I'm not slowing down.

Since June 1, I've gotten SUBs of $500, $300, $200, $200, 150,000 MR and 90,000 MR.

Chase keeps everyone nervous. Break free.

 

[afan]

Yay! You gave me courage and I was just approved for a CIU. $4000 CL only, but I should be able to shift some from my CIC. With estimated taxes due In Sept I will easily be able to make the spend. Plus 20,000 URs to DH for the referral!

It says 0% APR for 12 months. I don't normally take advantage of those, but may this time. I just have to pay the minimum due each month? And keep the balance relatively low compared to CL for credit score?

Too bad I didn't have it today when I had to spend over $4000 to get my car fixed to pass inspection. 12 year old Subaru, needed a wheel bearing as well as a new exhaust system including a catalytic converter (who knew Outbacks have 3 of those?)

Biz cards don't report to the bureau's so there's no worry about a high balance.

 

[Albort]

Does anyone remember the link where you can check to see if any of your Chase cards are eligible for the five times bonus from July-September 30? I seem to recall finding it on this site. Thanks for your help

Google "chase catch all"
it should be like the 5th link down.

 

[georgina]

I've decided that nothing Chase offers is lucrative enough to care about opening new accounts anymore. 5 Chase cards every two years versus 5 other cards every two months is easy math, and I'm not slowing down.

Since June 1, I've gotten SUBs of $500, $300, $200, $200, 150,000 MR and 90,000 MR.

Chase keeps everyone nervous. Break free.

View attachment 688593

Whatever works for you! I am happy with my $1425. worth of UR's from this one Chase biz app. I have also gotten 75,000 SW RR's and something from the Wells Fargo active cash recently. Will have DH get a new biz card for the Dec taxes.

 

[mmmears]

Am I missing something about the Disney Chase card? Sure the signup bonus is nice but it just pigeon holes you into Disney rewards which I'd get much better rates on other cash back cards.. right?

I don't think you're missing anything. We have one because it's free and one of our oldest cards, but I only use it when there is a discount associated with the purchase (so basically very rarely and always at Disney). I lean heavily towards more transferrable points (URs, MRs).

 

[becauseimnew]

Chase keeps everyone nervous. Break free.

I can’t quit Chase, it’s my addiction.
I love those URs, but we have branched out this year. Out of the 10 cards we’ve d opened this year only 4 have been Chase.

 

[georgina]

I can’t quit Chase, it’s my addiction.
I love those URs, but we have branched out this year. Out of the 10 cards we’ve d opened this year only 4 have been Chase.

Somewhat addicted too. We have only opened 5 cards this year between us, 2 chase biz, one chase SW, and 2 Wells Fargo. I love that I can earn 3 URs on dining with the CSR and then erase those dining charges at 1.5X. Erased our airbnb in London with UR's.

 

[CaptainAmerica]

I can’t quit Chase, it’s my addiction.
I love those URs, but we have branched out this year. Out of the 10 cards we’ve d opened this year only 4 have been Chase.

I hate all of those stupid portals. UR, MR, Altitude, TY, all of 'em. Any time I have the opportunity to cash out at 1 CPP or better, I take it in a heartbeat.

 

[NewbieMom]

Looking to see if anyone has suggestions. We are enrolling our youngest in preschool, and the top 2 choices we've narrowed down only take ACH payments (not even a check). Does anyone know of any payment services that work like ACH? Not only that we're not going to be able get any cc rewards, but I'm a bit nervous about giving them debit access to our bank account. If there isn't a payment service that does ACH, I'm thinking I will just open a new bank account and leave just the preschool payment amount each month.

 

[Judique]

Am I missing something about the Disney Chase card? Sure the signup bonus is nice but it just pigeon holes you into Disney rewards which I'd get much better rates on other cash back cards.. right?

I don't think you are missing much. It's not a keeper card or a flexible rewards point card such as UR or MR cards. It's a get the SUB and let it sit for a year til I close it or downgrade it card.

For me I can use the rewards to pay DVC dues and for a $1000 msr, it's a good deal for me ($370 with referral after annual fee plus spend). If I didn't have DVC I wouldn't want to be pigeon holed either. I already have Chase UR cards, CSP, CIC, CF and I'm well under 5/24 to do business cards if I so choose.

 

[DogCat]

Yay! You gave me courage and I was just approved for a CIU. $4000 CL only, but I should be able to shift some from my CIC. With estimated taxes due In Sept I will easily be able to make the spend. Plus 20,000 URs to DH for the referral!

It says 0% APR for 12 months. I don't normally take advantage of those, but may this time. I just have to pay the minimum due each month? And keep the balance relatively low compared to CL for credit score?

Too bad I didn't have it today when I had to spend over $4000 to get my car fixed to pass inspection. 12 year old Subaru, needed a wheel bearing as well as a new exhaust system including a catalytic converter (who knew Outbacks have 3 of those?)

YAY for you! I called today and asked them to expedite my card. They sent it via UPS to arrive on Friday. I need it ASAP so I can start on that high MSR.

With the Chase Ink biz cards, my strategy is to run up the balance to just under the CL for the first month, pay it off, and then go again till I meet MSR. After that, I take a few months paying off the balance because it's 0% interest and, since it's a biz card, there is no reporting to credit bureaus. The only reason I'd feel the need to pay it off quickly is if/when I am getting ready to app for another Chase card, lol.

Ouch on the cat converter. I had to get one for my old Honda civic a few years back. They are salty.