I love credit cards so much!

[trenty]

So don't take this as a commentary on this being wrong, but I've applied for all four of my Chase cards under just my income. When I did my CSP application the first time, I guess I filled in the income assuming that next it would ask me for my DH's income on the authorized user portion. It was just out of ignorance since I didn't really understand how AUs worked and it had been a LONG time since I'd filled out a credit card application. Since then, I figured I'll just keep it consistent and have put down my own personal income for the next three cards.

I'm currently at 40% on my personal cards, and 27% on my business cards, for 67% of my income across all Chase cards. I've never been questioned about it and was just given $9000 on my CIP. I don't have any plans for additional Chase cards for me until at least October, so I will probably lower personal cards before then. Quite frankly I just don't need as much as they've given me either.

I think I used only my personal income on past apps. If I put household, which would pretty much double my income, would that be a red flag for Chase? Do they compare income from previous applications?

I am under 50% personal income but over 30%.

 

[Lain]

I would have your DH get the CSR with your referral rather than a CSP. The 20k UR points from the referral is worth $300 and more than makes up for the higher annual fee.

Good idea with the referral, but a CSR referral is “just” 10k UR.

 

[mom2elal]

I would have your DH get the CSR with your referral rather than a CSP. The 20k UR points from the referral is worth $300 and more than makes up for the higher annual fee.

Ooh, you're right! Thanks!

 

[DisneyMandC]

I think I used only my personal income on past apps. If I put household, which would pretty much double my income, would that be a red flag for Chase? Do they compare income from previous applications?

I am under 50% personal income but over 30%.

I've never heard anything to indicate it would. I just put my own down and stuck with it since they've extended me a decent amount of credit every time. I can't remember what we put down for DH's CIP. I think maybe just his own income, but I'm not sure. I'll be going for CSR/CSP for him soon and may put household down then.

 

[Jen and Ashwin]

Good idea with the referral, but a CSR referral is “just” 10k UR.

Sorry for the misinformation! Woke up at 4am for a flight . . .

So in that case, it is probably a wash.

 

[Jen and Ashwin]

Ooh, you're right! Thanks!

@Lain just pointed out my error. It is just a 10k referral bonus and thus is probably a wash with the CSP. Sorry!

 

[mom2elal]

Got approved for the CSR! With a 33k credit limit, lol.

 

[mom2elal]

I've never heard anything to indicate it would. I just put my own down and stuck with it since they've extended me a decent amount of credit every time. I can't remember what we put down for DH's CIP. I think maybe just his own income, but I'm not sure. I'll be going for CSR/CSP for him soon and may put household down then.

I always put household income for both of us, mostly because I only make about 15k/year.

 

[Jen and Ashwin]

Got approved for the CSR! With a 33k credit limit, lol.

Congrats!

 

[1st*toright]

I'm heading to WDW in 10 days, and I just reworked our whole hotel stay .

Original purpose of the trip was to do a quick visit with our little one, and burn some points. Well, I just decided that the Sheraton Lake Buena Vista didn't sound great for us, based on reviews, even though it was super cheap (in points - 12k SPG total for 3 nights), esp. because there doesn't seem to be a lounge, so no bennies for my SPG Biz there.

Instead, we are doing a split stay - 2 nights at the Delta (a Marriott chain, 1 mile from Disney Springs) and one night at the Swan. Right now I'm not using points for any of it - the Delta is 25k Marriott points, or $90 cash a night, the swan is 12k SPG (36,000 Marriott) and less than $200 cash, including the resort fee.

So I'm not burning any points because spending 86k Marriott points on something I can get for $400 is a return of .004 per point, and that seems pretty low. But now I'm spending money on a trip that was supposed to be practically free...

 

[SouthFayetteFan]

So I'm not burning any points because spending 86k Marriott points on something I can get for $400 is a return of .004 per point, and that seems pretty low. But now I'm spending money on a trip that was supposed to be practically free...

This is a difficult one... that return would SUCK...but paying cash isn't great either, lol! As long as you're happy with it, it's the right call

 

[SouthFayetteFan]

Got approved for the CSR! With a 33k credit limit, lol.

So I haven't followed all the comments here yet - are you doing the double dip? Or are you still on the fence about it?

 

[1st*toright]

@Jen and Ashwin - sorry about your unpleasant seatmate. I didn't have any unpleasant experiences in my work travels this week, but there were a couple of odd moments. My uber driver who asked me if I smoked pot (I was in CA, so less weird than the question would have been elsewhere, I guess) kept asking me if I was offended every time I looked at my phone or seemed inattentive to our conversation. I wasn't offended, but I would have been happy to ride in silence after an initial polite conversation.

Then on the plane, a very nice lady struck up a conversation. It got a little weird when she started telling me how aliens had already brought us all the technology our planet needs, but she was very pleasant. Fortunately, she did let the conversation die after a few minutes or it would have been a really long flight home!

 

[DisneyMandC]

@Jen and Ashwin - sorry about your unpleasant seatmate. I didn't have any unpleasant experiences in my work travels this week, but there were a couple of odd moments. My uber driver who asked me if I smoked pot (I was in CA, so less weird than the question would have been elsewhere, I guess) kept asking me if I was offended every time I looked at my phone or seemed inattentive to our conversation. I wasn't offended, but I would have been happy to ride in silence after an initial polite conversation.

LOL sounds like he was hoping to make a little more money than just the price of the Uber ride!

 

[Jen and Ashwin]

I'm heading to WDW in 10 days, and I just reworked our whole hotel stay .

Original purpose of the trip was to do a quick visit with our little one, and burn some points. Well, I just decided that the Sheraton Lake Buena Vista didn't sound great for us, based on reviews, even though it was super cheap (in points - 12k SPG total for 3 nights), esp. because there doesn't seem to be a lounge, so no bennies for my SPG Biz there.

Instead, we are doing a split stay - 2 nights at the Delta (a Marriott chain, 1 mile from Disney Springs) and one night at the Swan. Right now I'm not using points for any of it - the Delta is 25k Marriott points, or $90 cash a night, the swan is 12k SPG (36,000 Marriott) and less than $200 cash, including the resort fee.

So I'm not burning any points because spending 86k Marriott points on something I can get for $400 is a return of .004 per point, and that seems pretty low. But now I'm spending money on a trip that was supposed to be practically free...

I stayed at the Sheraton Lake Buena Vista in January and thought it was nice. We weren't in the room much, because I was either at Disney or a work meeting. But for the price, it was great.

ETA: There isn't a lounge.

 

[1st*toright]

I stayed at the Sheraton Lake Buena Vista in January and thought it was nice. We weren't in the room much, because I was either at Disney or a work meeting. But for the price, it was great.

Thanks a lot. Now I have to rethink my rethinking

 

[mom2elal]

So I haven't followed all the comments here yet - are you doing the double dip? Or are you still on the fence about it?

No, decided not to because I really need to get a SW card soon-ish.

 

[linzjane88]

I'm with you! I get so angry as I go from stand to stand looking for something decent to eat! We did try, and loved, the Baseline Tap House. They have a great drink selection including hard cider on tap. We also got the soft pretzel with beer-cheese fondue and mustard sauce for dipping and the cheese and charcuterie plate. It was a nice snack and held us over until we could have dinner out of the park later!

I forgot we went there! You'r right. We did some drinks, pretzel, and the charcuterie board. It was a zillion times better than the fried garbage literally everywhere else.

I am hoping with the opening of Toy Story Land/SW that they give their menus everywhere an overhaul. They can't make this the cool new park and leave all that icky freezer food on the menu....can they?

 

[mfly]

As mentioned, my mom tried the CSP/CSR double-dip yesterday. CSP was auto-approved, CSR status is still stuck at 2 weeks.

Is there any hope in her getting approval on the CSR now that it’s no longer in the same day as the CSP app went through? Should she call recon? She’s afraid that doing so will just draw attention to the 2 Sapphire applications.

I’ve done a lot of digging for data points and haven’t found a lot to touch on what to do if the second app is not auto-approved on a double dip.

 

[eeyoreland]

If you want to increase your chances at auto-approval for Chase cards, then some people recommend keeping your Chase credit limit below 30% of your overall income.

You credit limit and your husband's credit limit are separate. Having him as a AU on one of your cards does not make your credit limit double, since the max you can charge on that card is $10k total, even with him charging as well. But him being an AU does add $10k to his credit limit as well, but it is separate from your own credit limit.

Thank you. You said what I mean .