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

[becauseimnew]

Agree…. Between DH and I one of us has had the CP for years, with these new Chase DP I’m going to have to be more strategic going for the 2025/26 one…also assuming SW doesn’t change the requirements. Probably 2 business application in 2025, will have to see how everything goes.

DH only has on Chase biz card open right now, so the plan is for him to get the SW Performance card. That's 85K, then refer me that's another 20K, he'll be 20K short of the CPs for our March trip, that's IF i get approved for the SW personal card.

But honestly, after typing this out I don't know if we should just skip the CP this year and go with another Chase UR earning card.

 

[palhockeymomof2]

DH only has on Chase biz card open right now, so the plan is for him to get the SW Performance card. That's 85K, then refer me that's another 20K, he'll be 20K short of the CPs for our March trip, that's IF i get approved for the SW personal card.

But honestly, after typing this out I don't know if we should just skip the CP this year and go with another Chase UR earning card.

Can he open a SW personal card ?
You would think with only 1 business open he would be approved for another
I was just approved for an Ink with 4 business cards open, one a SW….did wait 5 months since my last and do put a lot of spend on the ones I have

 

[djmeredith]

I have never been able to qualify for a Companion pass in the past. I'm not sure if the SUB will get me there, but it will be interesting.

Most of us that target the CP do not earn it through organic spend. We do it through SUBs. You get 2 SW cards towards the end of the year so the SUB pts will post right after the first of the year. That gives you almost 2 full years of the CP. You can only hold 1 personal SW card at a time. Therefore, you have to do 1 personal+1 biz or 2 biz. I have always done the 1 personal and 1 biz. There are more detailed posts about earning the CP if you do a search of this thread.

 

[GZanta77]

Just returned from vacation and found a UPS envelope behind the shrubs by our front door containing a Chase Sapphire Reserve in my daughters name that I know she did not apply for. Seems it was delivered 10 days ago according to tracking number on the envelope.

Trying to get hold of DD so she can call Chase fraud dept, but she is in classes right now. Hope this isn't going to be too much of pain to sort out.

 

[GZanta77]

Just returned from vacation and found a UPS envelope behind the shrubs by our front door containing a Chase Sapphire Reserve in my daughters name that I know she did not apply for. Seems it was delivered 10 days ago according to tracking number on the envelope.

Trying to get hold of DD so she can call Chase fraud dept, but she is in classes right now. Hope this isn't going to be too much of pain to sort out.

So we called Chase together and it was like they barely cared. Not impressed. I was like ' How did this happen?', ' How do we get credit inquiry removed?', 'Will this account appear on her credit report?'

Chase Fraud Department's response to all questions was ' I'm sorry, we're just the fraud dept and the account is now closed' Please call the credit department if you want more information.'

They provided the credit department phone number and then basically said 'That's all. Bye' and hung up. Not happy at all.

 

[IFlossU]

So we called Chase together and it was like they barely cared. Not impressed. I was like ' How did this happen?', ' How do we get credit inquiry removed?', 'Will this account appear on her credit report?'

Chase Fraud Department's response to all questions was ' I'm sorry, we're just the fraud dept and the account is now closed' Please call the credit department if you want more information.'

They provided the credit department phone number and then basically said 'That's all. Bye' and hung up. Not happy at all.

FWIW, DH had a fraudulent hard inquiry in 2020. Someone took out an SBA loan in his name, but I digress. Anyway, he called Experian and they immediately removed it from his credit report. Hopefully a phone call to the credit bureau pulled will easily resolve this. You have my sympathy. It feels incredibly violating, and is frustrating to deal with.

 

[jujubiee4]

I just want to warn everyone (as if you needed it) Tis the season for the scammers. I saw on my Next door
app mail reportedly stolen. A coworker got a giftcard that was drained. My friend is in Hawaii right now
and after eating out ..the next day unknown charges were put on her card from other areas of Hawaii. (even though she
physically has the card).

Myself last week I got an alert thank you from Amazon for ordering HBO MAX on their prime channel. Huh?? First of all we already are on an anuual MAX stand alone plan. All they could tell was that it was ordered from a device. Well
duh! They refunded the 16.99 charge and didn't seem concerned. I changed my PW and went to 2step auth.

 

[Judique]

No problem using my OD offers yesterday.

 

[hsmamato2]

Agree…. Between DH and I one of us has had the CP for years, with these new Chase DP I’m going to have to be more strategic going for the 2025/26 one…also assuming SW doesn’t change the requirements. Probably 2 business application in 2025, will have to see how everything goes.

are we talking about the newer denials,and pacing of 4 months at least here?

 

[hsmamato2]

speaking of scams..... apple. they are HORRIBLE. my ds had an old apple acct from maybe 10 years ago when je had an ipad,he was a kid so I set it up for him etc thru my email- a few days ago I got email notice that password, security questions and birthdate had been changed.... I go to check it out (thru a separate tab of course) and yup- hacked in Chinese characters. I asked a fam member who speaks the language to help me figure out what the characters meant, went back in and changed password (to something complicated) but couldn't access acct bc all the sec. questions had been changed (even translated, I didn't have the answers) then a day later got another email telling me they went back in and changed the email....now I couldn't even get in to the first page anymore.....
And Apple's way of handling all this appears to be- "well, log in and change it all back"....(can't do that geniuses) and they won't close down acct bc I no longer have access...has to be done by me, but I can't. So here we are,and I'm really hoping I didn't have anything important attached to that old acct......

 

[becauseimnew]

Can he open a SW personal card ?
You would think with only 1 business open he would be approved for another
I was just approved for an Ink with 4 business cards open, one a SW….did wait 5 months since my last and do put a lot of spend on the ones I have

He's not eligible for the personal card, he received the SUB in late 2023

 

[palhockeymomof2]

are we talking about the newer denials,and pacing of 4 months at least here?

Yes…I’m going to watch more closely towards the middle of next year since I want to get a CP for 2026/27 DHs is good until the end of 2025

 

[becauseimnew]

are we talking about the newer denials,and pacing of 4 months at least here?

yes, but there are more DPs that suggest that approval odds are way down, not just a slower pace.

https://www.reddit.com/r/churning/comments/1gsewuh/ink_dp_dataset_fall_2024

 

[palhockeymomof2]

He's not eligible for the personal card, he received the SUB in late 2023

Maybe try for 2 business cards but space them out 4-5 months apart…it’s definitely a pain trying to figure out what to do about the CP now

 

[becauseimnew]

Maybe try for 2 business cards but space them out 4-5 months apart…it’s definitely a pain trying to figure out what to do about the CP now

I'm eligible for the personal card, so I think I'll open a personal card in early 2025, then a SW business card later in the year. And his next card will be another Ink.

 

[PrincessGidget]

Here is another Chase story:
A few months back I asked some advice here and I was ready to set the plan in motion when our Disney visa got hacked, by a lot. Like $25,000 a lot. Which was almost double our credit limit so why have a limit if you are going to let someone blow past it. Before the poop hit the fan my husband applied for the CSP with the plan to refer me. He got instant approval and we shut down the Disney Visa and let the fraud dept do their thing. Well, the ginormous visa bill tanked our credit score and I was now stuck in no mans land without a card.
Long story short, I waited about a month, went to the bank and applied for the freedom with my banker. I added one of my college age boys as an AU. I wanted to add the other one but my banker told me it would not let her. I got instant approval and went on my way. About a week later I was able to add my other college age son as an AU through the app.
A week later I got a letter that they closed my account because of “not enough credit information on file”.
I believe adding my second son triggered this but when I called cardmember services I was told I dont show a mortgage or a car loan so I dont look like a good credit risk.
WHAT? Because we paid off our mortgage 15 years early and I paid off my car I am a bad risk??
I have escalated it but at this point I want to withdraw all my money from Chase and run.

Has anyone heard of this?

 

[StephPlum]

Amex likes me again! Couldn't get a good offer to pop up for Plat Biz so tried for BBP and finally approval. I've been in PUJ for a long time. I did just pay the Biz Gold AF. I wanted something with no AF to keep my MRs alive if/when I cancel the Biz Gold.

 

[palhockeymomof2]

Here is another Chase story:
A few months back I asked some advice here and I was ready to set the plan in motion when our Disney visa got hacked, by a lot. Like $25,000 a lot. Which was almost double our credit limit so why have a limit if you are going to let someone blow past it. Before the poop hit the fan my husband applied for the CSP with the plan to refer me. He got instant approval and we shut down the Disney Visa and let the fraud dept do their thing. Well, the ginormous visa bill tanked our credit score and I was now stuck in no mans land without a card.
Long story short, I waited about a month, went to the bank and applied for the freedom with my banker. I added one of my college age boys as an AU. I wanted to add the other one but my banker told me it would not let her. I got instant approval and went on my way. About a week later I was able to add my other college age son as an AU through the app.
A week later I got a letter that they closed my account because of “not enough credit information on file”.
I believe adding my second son triggered this but when I called cardmember services I was told I dont show a mortgage or a car loan so I dont look like a good credit risk.
WHAT? Because we paid off our mortgage 15 years early and I paid off my car I am a bad risk??
I have escalated it but at this point I want to withdraw all my money from Chase and run.

Has anyone heard of this?

Chase may be hesitant to give more credit due to the $25k they probably lost on the fraud charges and the Disney dollars that were used.
Crazy that someone was able to charge that much on the card within a month. DH makes fun of me for checking our accounts daily, I’m going to share your fraud story with him.

 

[Duckbug.Ducktales]

I have been very disappointed in JetBlue. They use to be my favorite airlines. I wish i could post the countless emails
they sent delaying and even canceling routes/flights I have booked. I booked 8 flights with them last year
for this year and they changed or flat out CANCELED each one. After using up all my travel credit I am cancelling
the card.

Similar experience, too. I will only fly them now if I have no other options.

 

[LynnTH]

In Vegas over the weekend with DS and my Brother and SIL. I have had the Wyndham Biz Earners Card for a few years now. Since we go to Vegas at least once a year, I had DS get a card and SIL got one too a few months ago. Mostly useless now.

I saw before we left that you can no longer earn Caesears Diamond with this card, staring Feb 1st. Figured we would at least get to use the Celebration Dinners for DS and SIL. NOPE... Went to the desk and they said we had to gamble some first and earn points but they couldn't tell you how many points we needed... Not a problem - we were staying at Paris and gambled a bunch there anyway.

Went back and they said they had Earned the Celebration Dinner but it wouldn't show up to be used for 2 weeks. What the heck. Was so mad. At least we didn't have to pay any resort fees with the cards but that will be coming to an end, since we can't get Diamond anymore with the Wyndham Biz card... Will be closing that one when the fee comes due.