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

[CyndiLouWho]

Bit the bullet and applied for United Biz card. Instant Approval. Lowered CL on 1 card yesterday and closed a CIU Sunday.

 

[reliev]

Forgot to post this earlier.
https://www.hilton.com/en/p/hilton-honors/tier-updates/
What do you think of the changes? Seriously, it nurfs diamond status, right?

 

[afan]

Forgot to post this earlier.
https://www.hilton.com/en/p/hilton-honors/tier-updates/
What do you think of the changes? Seriously, it nurfs diamond status, right?

How does it nerf it?

The diamond level, that most probably get from amex, stays the same. Reading that people only expect 4-5% to make it to reserve given the spend part and cc spend not counting. They should get extra perks but there's not really anything there that's that exciting.

 

[LilSweetPeaPhoto]

Forgot to post this earlier.
https://www.hilton.com/en/p/hilton-honors/tier-updates/
What do you think of the changes? Seriously, it nurfs diamond status, right?

Add it to the list of things being taken away because too many people are talking about "fight club". There are too many blogs, websites, FB groups and TT accounts sharing all of the hacks now. I'm guilty myself. My family members told me I should be "teaching" this. I have a blog (that I was terrible at updating), I started to shoot tik toks. But I stopped. I know in the end my stopping isn't going to suddenly fix this. But I also can't complain this has become too main stream and participate myself. I also think our group here is so small, and niche, I don't count us as part of the problem, LOL.

The Ink Train is drying up. I remember when every "hacking" group was adamant you could only have 1 ink. Then they all found out you could have many. And in some of the groups I'm in, people are talking about how they had 10 just last year. I think I had 8 since I started back in 2020. I never made it on the GrAAvy train either. I've managed to play the game getting Hilton cards like crazy thanks to NLL. But even that is like 2 of each. Lounges no longer are going to allow access for more than just the card holder because the Delta Duggers (those are the Delta families that screw me over in non-rev listings with 5+ kids, LOL) got a Venture X card for every kid they had (for the record, I just got one for my BF because of his MSP long sits, I didn't even get my kids cards, lol). There are rumors of higher fees to use rewards cards, or these types of cards going away all together (I know this has been around for years). I remember first stumbling upon this thread when the CSR was first released. At the time the only card I had was the Starwoods Biz card for my photography business.

I'll play along......but I also think I'll seriously be downgrading the cards I hold onto, the fees I pay, etc. I'm lucky in that I don't have to worry about airfare 99% of the time. I'll play along as long as I can. But I'm definitely that old guy yelling at people to get off my lawn when it comes to this game, LOL. In fact I've had to put all of my FB groups on mute as they were making my blood pressure rise, LOL. I only venture to them when I have a question now.

 

[DaveL]

Chase bonus tracker question, I applied for a personal SW card yesterday evening with an 85k link. Is it common for the “Tracker” to delay in showing up? I do not yet see it in the app or on the website, but also do not see the Chase Offers section. The SW Biz card I applied for about a week ago has the tracker, however I received the card already. Just wondering if I need to SM Chase to confirm the bonus or it’s just delayed until after the card is processed and mailed?

Data point here since it sounds like Biz cards rules/limits are evolving. I applied for the SW Biz last week with my first auto approved Biz application, the CL was 3x over the largest CL I have had in the past on a Biz card. I have one other Biz card open, and closed a second a few days before. Waited a week and applied for the Personal card and got a we need more time. About 10mins later I got a call just to confirm I really did apply for the card and it was approved at the same CL! I was kinda shocked. Once the MSR’s are done I will be requesting both to be reduced greatly.