I love credit cards so much! v7.0 - 2025 (see first page for add'l details)

[leeniewdw]

Chase now has pop up jail with unspecific eligibility requirements per DOC.

https://www.doctorofcredit.com/chas...-eligibility-determination-chase-pop-up-jail/

Thanks, that’s exactly what is happening to me.

Will need to sit down and figure out what our next SUB is (property tax time). I’m finishing up an Amex Green (I was able to get the SUB offer even though I had a 3 yr old Plat, then canceled my Plat after no retention offers. Which is funny because I get a retention offer a few years ago when I was planning to keep it anyway. This year I did plan to cancel w/o a retention offer as I found it tougher to justify the AF, but didn’t get one despite legit and specific discussion with reps a few times.)

We’ve (me) actually slowed our SUBs a bit, but boy I could use some URs (we’ve each got 2 Inks, I have CSP, DH now with 2 Freedoms after PCing his CSP).

 

[reliev]

New Atmos has launched the Alaska and Hawaii program, and it actually looks good. It seems easier to achieve One World status, and there are many bonuses as well. Too bad Alaska only flies a few flights to Orlando, but the benefits might be worth it over AA in my opinion.
https://www.alaskaair.com/atmosrewards

 

[happ]

Thinking of purchasing a few of these, but concerned about the ability to actually use them. Anyone care to share how they use the virtual Visa gift cards?

I stopped buying virtual visa cards this year. I used to be able to pay my property taxes & utilities with them but the companies updated their billing systems and now they no longer accept them. I found this out only after purchasing several which was frustrating. Not all online stores accept them either. I think I ended up using mine online at Walmart.

 

[hsmamato2]

Has anyone had success (or failure like me) in PCing a CSP to Freedom, waiting 4+ days and still getting "you aren't eligible for the SUB" message?

DH CSP is from Fall 2019 and we PC'd it to a Freedom last Monday. I tried on Friday and today and am getting the "aren't eligible message". Reddit seems to say that you only get 1 Sapphire SUB now? Annoying as I canceled my Amex Plat with this plan in mind. We are almost out of URs after years of accumulation and then years of using them! I mostly used for Hyatt, which has gotten us some v nice hotels in Europe the last 2 years (along with some smaller redemptions).

Anyone have any recent experience with a 2nd Sapphire?

I'm seeing these reports all over the place right now

 

[reliev]

I stopped buying virtual visa cards this year. I used to be able to pay my property taxes & utilities with them but the companies updated their billing systems and now they no longer accept them. I found this out only after purchasing several which was frustrating. Not all online stores accept them either. I think I ended up using mine online at Walmart.

Yep, my property taxes only allow one payment method unless I go in person (which I'm not doing), but it's an easy way to get a sub nonetheless.

 

[leeniewdw]

Chase now has pop up jail with unspecific eligibility requirements per DOC.

https://www.doctorofcredit.com/chas...-eligibility-determination-chase-pop-up-jail/

I'm seeing these reports all over the place right now

Following up. Since today is the last day for the elevated SUB for CSR, I decided to try again. I did NOT get PUJ today (as I did yesterday). I did get a message that the application was in review, but that means I got past the "you aren't eligible for the SUB".

So to recap. PC'd to a Freedom LAST Monday, PUJ on Friday, PUJ yesterday, "under review" message today.

 

[becauseimnew]

New Atmos has launched the Alaska and Hawaii program, and it actually looks good. It seems easier to achieve One World status, and there are many bonuses as well. Too bad Alaska only flies a few flights to Orlando, but the benefits might be worth it over AA in my opinion.
https://www.alaskaair.com/atmosrewards

Saw a DP that you can hold both business cards (the old version and this new one).

 

[disneybirds]

With the October 26 date looming, I would love to get another Chase card. What are your thoughts on having a CIP and getting another CIP? DH has a CIU (opened years ago) and a CIP (opened last September, so AF due 10/1). I know there was talk on here of cancelling the CIP before the AF posts, but not sure how that will look. I was planning to get the Chase Sapphire Business for him, but have let the time slip up on me. Thoughts?

 

[wanderlust7]

With the October 26 date looming, I would love to get another Chase card. What are your thoughts on having a CIP and getting another CIP? DH has a CIU (opened years ago) and a CIP (opened last September, so AF due 10/1). I know there was talk on here of cancelling the CIP before the AF posts, but not sure how that will look. I was planning to get the Chase Sapphire Business for him, but have let the time slip up on me. Thoughts?

I've had no issue applying for the same Ink while it's open. If you know the CIP open date, you can cancel the day after. The support is changing 10/7.

Why can you no longer consider the Sapphire biz? The SUB hasn't changed. It's high MSR and high AF though. I'd rather do 2 Inks.

 

[Crazed4DisneyinSC]

You can still get the CIP annual fee refunded within 30 days, right? My CIP is up for renewal sometime in August. Assuming the AF posts 9/1, I plan to cancel mid-Sept, (I still want to use it for a few travel related expenses the first week of Sept), then wait maybe a week, and then try to get a CIC with a referral from my DH. I currently have a CIC, CIU, and CIP open. At the time of applying, the CIP will be closed, but hoping I can get another INK with 2 open... I don't want to close the CIC too, in case I don't get approved for another! I'm currently 3/24, and my last Chase card was a Sapphire in April this year. *fingers crossed*

 

[disneybirds]

I've had no issue applying for the same Ink while it's open. If you know the CIP open date, you can cancel the day after. The support is changing 10/7.

Why can you no longer consider the Sapphire biz? The SUB hasn't changed. It's high MSR and high AF though. I'd rather do 2 Inks.

I am trying to get a few more points so they are locked in at the higher rate of 1.25 or 1.5. Unless I am thinking incorrectly (which is completely possible), you would have to have those points by October 26th. Considering it is August 20th, I would have to apply today and hope for instant approval. Then we would have to spend $30K in one month to make sure we hit the 200K points before the October date and who wants to pay that bill at the end of the month! I think it is too close to think we would have 2 months to make the spend. Since it is my DH, it is easier to just apply for one card instead of two. I may just go for the CIC since he has never had that card.

 

[lsutigers03]

DW just got an Amex platinum. Normally for the airline credit I choose Southwest. However now that credits expire I don't want to do that. I assume the United travel bank would be the next best option to get credit I'm not going to use right away. What is the best way to add to the travel bank? 4 $50 purchases or 2 $100 purchases. For Southwest I tried to keep it under $100 to get the credit to trigger.

Also, yesterday I saw Frequent Miler reporting that Amex has started showing a spend tracker for welcome bonuses. I can't find it on the app but online it's showing up for DW's personal platinum.

 

[wanderlust7]

I am trying to get a few more points so they are locked in at the higher rate of 1.25 or 1.5. Unless I am thinking incorrectly (which is completely possible), you would have to have those points by October 26th. Considering it is August 20th, I would have to apply today and hope for instant approval. Then we would have to spend $30K in one month to make sure we hit the 200K points before the October date and who wants to pay that bill at the end of the month! I think it is too close to think we would have 2 months to make the spend. Since it is my DH, it is easier to just apply for one card instead of two. I may just go for the CIC since he has never had that card.

To get the locked in rate, the card needs to be opened before 6/23. The Sapphire biz launched on 6/23, so no grandfathering involved.

 

[wanderlust7]

What is the best way to add to the travel bank? 4 $50 purchases or 2 $100 purchases. For Southwest I tried to keep it under $100 to get the credit to trigger.

United Travel Bank doesn't need to be under $100 to trigger, so I just do 2 $100 (only because they don't have $200).

 

[wanderlust7]

New Atmos has launched the Alaska and Hawaii program, and it actually looks good. It seems easier to achieve One World status, and there are many bonuses as well. Too bad Alaska only flies a few flights to Orlando, but the benefits might be worth it over AA in my opinion.
https://www.alaskaair.com/atmosrewards

I might get the Summit since I have the extra 5000 points offer for joining the waitlist. The 25k companion award is nice that it can be topped off with no limit.

 

[disneybirds]

To get the locked in rate, the card needs to be opened before 6/23. The Sapphire biz launched on 6/23, so no grandfathering involved.

I was planning to transfer to a CSR opened before 6/23. Would that not count? Did I miss that part of the announcement?

 

[wanderlust7]

I was planning to transfer to a CSR opened before 6/23. Would that not count? Did I miss that part of the announcement?

Ah, I thought you were trying to get the locked in value for the Sapphire Business! Transfering to an existing CSR should work!

 

[disneybirds]

Ah, I thought you were trying to get the locked in value for the Sapphire Business! Transfering to an existing CSR should work!

All this talk of a new card, and he just got an email about opening up at CIU!

 

[NewbieMom]

I might get the Summit since I have the extra 5000 points offer for joining the waitlist. The 25k companion award is nice that it can be topped off with no limit.

What's your thought between the Summit and Ascent? Is the $300 extra AF worth it?

 

[wanderlust7]

What's your thought between the Summit and Ascent? Is the $300 extra AF worth it?

For me, the difference between the Summit (100k SUB + 5k waitlist bonus) and Ascent (80k SUB) is 25k more points and a 25k companion award. That's worth the extra $300 in AF to me. I don't place that much value on the Ascent companion fare.

If DPs look good, I might try for the biz too.