I love credit cards so much! v6.0 - 2023 & 2024 (see first page for add'l details)

[VGCgroupie]

Just saw this posted in another group. Grocery 10x Airline Miles Bonus Today via United shopping portal

 

[palhockeymomof2]

I had 4 Chase Biz open in September and was instantly approved for a CIU. CIC, CIU, IHG, and Marriott. Now I have 5 Biz open with the approval for the CIU. My credit is also sky high with Chase and I haven't gotten around to adjusting it. I probably need to do that.

P2 was also approved the beginning of September…same stats as you 4 Chase business cards open…now five….it seems very recently in October the denials are happening….
I’m going to close one of my inks after the statement closes next week and try my luck with 4 open business cards the beginning of November unless DPs change

 

[Judique]

P2 was also approved the beginning of September…same stats as you 4 Chase business cards open…now five….it seems very recently in October the denials are happening….
I’m going to close one of my inks after the statement closes next week and try my luck with 4 open business cards the beginning of November unless DPs change

I'm also getting ready to close my older CIU plus a Disney card. I want to try and app for the $400 Disney card with a link from my DD.

It's difficult to really know why some are denied. A few years back everyone was getting approved for a CIP. Not me, I was denied. But, the same day I app'd for a CIU as I had one of those 'star' offers. Instant approval.

And I was in PUJ with Amex but a DOC link got me the Surpass. Getting ready to close that and try for Aspire in January.

 

[magickingdomprincess]

Can I PC a CIU to a CIC? I'm assuming yes but just want to double check. I would want to wait until it had been open 12 months though, correct?

 

[Limes96]

DH and I were both approved with 3 open at the end of August. @Limes96 had a denial DP with 3 open at the beginning of this month. I was surprised at the time, but after that I started seeing more and more DPs of denials with 3 open.

Reasons I got were too many requests for credit or opened accounts and insufficient business revenue (put $2k on the app for revenue)

I’m thinking I may just start checking for Amex biz plat deals since we have tires, tuition, and property taxes coming up soon that way we can take a break with chase

 

[hsmamato2]

Sorry about the denial.

Sounds like a DP for only 2 biz open and cobrands count. Is the CIU older than a year and can be closed?

Anyone have a DP for a Chase biz approval with 3+ biz open from this month?

Not from this month but 9/2 I got my 4th instantly... all inks

 

[hsmamato2]

Yes, no resort fees on award bookings with Hyatt. Same as Hilton. Not so with Marriott.

I've also never paid a resort fee booked on points with IHG

 

[lsutigers03]

When closing a card after a year is it better to wait a year from your first statement or are you fine to close after a year from the actual opening date?

 

[wanderlust7]

I thought it might be an unusual situation. I know they had the public offer for 85k a couple weeks ago, but I wasn’t ready to apply yet and since the offer came in the mail, it gave me more time. It’s definitely more important to use his pre-approval offer for 85k since the main goal is getting CP for 25-26. I’m not even sure how many RR points the support link gives me, but I figure anything is better than nothing if it worked doing them both.

If you have an old support link saved, I'm seeing reports that it still pulls up the 85k offer.

 

[Judique]

Can I PC a CIU to a CIC? I'm assuming yes but just want to double check. I would want to wait until it had been open 12 months though, correct?

Yes. That's how I got my CIC.

 

[palhockeymomof2]

If you have an old support link saved, I'm seeing reports that it still pulls up the 85k offer.

You are correct…Just checked mine on Reddit and it still goes to the 85k offer

 

[jenmsmith]

Reasons I got were too many requests for credit or opened accounts and insufficient business revenue (put $2k on the app for revenue)

I’m thinking I may just start checking for Amex biz plat deals since we have tires, tuition, and property taxes coming up soon that way we can take a break with chase

Those were the exact reasons on P2’s denial. I’m going to take a break with Chase with him and try again sometime in the spring or summer.

 

[palhockeymomof2]

When closing a card after a year is it better to wait a year from your first statement or are you fine to close after a year from the actual opening date?

You are fine to close it a year after….

 

[miztressuz]

Can I PC a CIU to a CIC? I'm assuming yes but just want to double check. I would want to wait until it had been open 12 months though, correct?

They're both no AF cards, should be able to do it within the first year. For Chase mostly the 1 year rule is around the fee change restrictions on first year of personal cards due to the regulations. These cards are no AF and business so they have more flexibility.

Any "waiting" period suggestions would just be good form, but I don't think there are any official limitations on those two cards. Other than the CL. They are weird in that they'll approve you for 3k but require 5k to PC. At least they did the last time I did it.

 

[magickingdomprincess]

They're both no AF cards, should be able to do it within the first year. For Chase mostly the 1 year rule is around the fee change restrictions on first year of personal cards due to the regulations. These cards are no AF and business so they have more flexibility.

Any "waiting" period suggestions would just be good form, but I don't think there are any official limitations on those two cards. Other than the CL. They are weird in that they'll approve you for 3k but require 5k to PC. At least they did the last time I did it.

Ooh, thanks! I'll have to move some credit around before I request it.

 

[jujubiee4]

I'm also getting ready to close my older CIU plus a Disney card. I want to try and app for the $400 Disney card with a link from my DD.

It's difficult to really know why some are denied. A few years back everyone was getting approved for a CIP. Not me, I was denied. But, the same day I app'd for a CIU as I had one of those 'star' offers. Instant approval.

And I was in PUJ with Amex but a DOC link got me the Surpass. Getting ready to close that and try for Aspire in January.

Regarding the disney card do you know when you use your DD's link it pulls up same 400 offer? Also when she gets the 100 is it $100 or Disney dollars. Thanks

 

[becauseimnew]

When was the last time anyone was able to change their SW flight for free? And for what dates?

 

[VGCgroupie]

My poor choices and an Amex pop up DP.

I did what I normally do and think things over too long and then get myself into a last minute predicament. I decided on Amex Platinum Business for DH for a charge I need to make by 10/30. In no world did I think I’d get the Amex pop up I just knew he would get approved with instant acct number. I had played around all day with trying to get a 250k offer and applied in incognito when I found one. Applied and got a weird internet error. Okay start over from his phone no incognito straight Microsoft edge. Got it first try. Pop up. Grrr. I mull over how my my procrastination and overthinking got me here. I decide no Amex that’s not cool, I’m trying again. I referred him with my link and he applied for Delta Gold personal. Approved. No instant card number .

I need to spend 19k so I need to find another card or 2. So in the wee hours of the am we referred each other for CIU. I forget that chase doesn’t like to approve immediately. So now I’m stuck waiting for 3 cards that likely won’t arrive in 9 days. SMH at myself.

We both got CIP recently so I’ll update if we do get approval. I had 2 inks and moved credit to one and closed the older one last week.

 

[Twilghtsprkle]

My husband flew down to Orlando for the Gartner conference. He had a regular room at the Conference rate at the Swan Reserve. He just has Marriott gold from the CSR offer. He got upgraded to the Signature Epcot View Suite.

Kids & I are jealous back home, lol.

 

[VGCgroupie]

My poor choices and an Amex pop up DP.

I did what I normally do and think things over too long and then get myself into a last minute predicament. I decided on Amex Platinum Business for DH for a charge I need to make by 10/30. In no world did I think I’d get the Amex pop up I just knew he would get approved with instant acct number. I had played around all day with trying to get a 250k offer and applied in incognito when I found one. Applied and got a weird internet error. Okay start over from his phone no incognito straight Microsoft edge. Got it first try. Pop up. Grrr. I mull over how my my procrastination and overthinking got me here. I decide no Amex that’s not cool, I’m trying again. I referred him with my link and he applied for Delta Gold personal. Approved. No instant card number .

I need to spend 19k so I need to find another card or 2. So in the wee hours of the am we referred each other for CIU. I forget that chase doesn’t like to approve immediately. So now I’m stuck waiting for 3 cards that likely won’t arrive in 9 days. SMH at myself.

We both got CIP recently so I’ll update if we do get approval. I had 2 inks and moved credit to one and closed the older one last week.

An update. Called Chase. Approved and card expedited. What a relief... on that card. DH had to get escalated to the next review. Funny because he is the one that brings in all the money, I have always been the one with the most credit cards though not him.