I love credit cards so much!

[DisneyMandC]

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.

I thought someone here not long ago called in on their second card and managed to get through fine. Maybe just an identity verification. I think when they called they specifically said they were calling in reference to their CSP application, and didn't just say "I was trying to see if I could get my credit card application approved." Of course, at two weeks it sounds like you might be in good shape anyways since I've only heard of one person (on here- who was that?) who went from two weeks to a denial.

 

[SouthFayetteFan]

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.

They don’t need to be approved same day You just need to apply same day to get past their 1 Sapphire rule in the system.

 

[BamaBoy]

Since 2009 I have attended 112 our of 118 of my HS alma mater's games That includes 70 of the last 71 games. Friday nights in the fall are sacred to me

How much is the landscaping bill going to be?

Not sure yet. Waiting on a final quote, but at least a couple of thousand. I have hosted and produced Friday night highlight/scoreboard shows on both TV and radio for the past 27 years, the last 14 on television. In those 27 years I have never missed a Friday night show, meaning I have not missed Friday night football for 353 consecutive Friday nights dating back to 1991. We won the state broadcasters' association award for best television sports program in the state last year. We are so hardcore football in Alabama that we have 5 days of spring football jamborees that we are broadcasting live coming up later on this month. 22 schools from 3 states at a college stadium. Nothing like Friday night football. It is just about year round here.

Lots of respect for your travel hacking knowledge and willingness to share your ideas and knowledge on here. You have probably saved folks a total of hundreds of thousands of dollars in travel savings! Blessings to you for all the time and expertise you give to this thread.

 

[wendow]

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.

I'm wondering if it's just a CL thing. Do you know how much she's been extended?

ETA: Two weeks is a good sign. Typically

 

[Lain]

So, I had to go to a doctor's appointment and had time to remember why my original plan was the way it was, so I'm now back to getting just the CSR today. Long story short, we need a bunch of UR points AND SW points for our WDW trip next summer, so the reason I can't do the double dip is that I need to get a SW card, which I won't be able to do if I get both CSR/CSP today. But, I did decide to do the CSR, because we do have a decent amount of spend in dining and travel and I'm also hoping to have DH apply for the CSP and then still be able to transfer those points to me and get the extra % on those as well. Thanks for all the help and support! I love this thread!

Is it possible for you to double dip the CSP today, and then have DH apply for a SW card later instead of the CSP?

I'm thinking now that you've been approved for the CSR, when you get the CSR bonus you'll be locked out of another CSP or CSR bonus for the next 24 months. If DH applies for the CSP later, then he'll be locked out of another Sapphire bonus for 24 months. If you go for the CSR+CSP double dip today, you'll get 100k UR in bonuses; DH saves a slot for the SW card, and can possibly go for the CSP+CSR double dip next year.

Of course, I don't know if DH got a SW card bonus in the past 24 months (one SW card rule) as part of his turn at the CP. Or if DH got a CSP or CSR in the last 24 months.

 

[Lain]

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

CONGRATULATIONS! And that credit line!

 

[Lain]

I thought someone here not long ago called in on their second card and managed to get through fine. Maybe just an identity verification. I think when they called they specifically said they were calling in reference to their CSP application, and didn't just say "I was trying to see if I could get my credit card application approved." Of course, at two weeks it sounds like you might be in good shape anyways since I've only heard of one person (on here- who was that?) who went from two weeks to a denial.

Yup, it was @Dugette:

Well, despite instant CSP approval, the CSR (w/hubby's link) gave me the decision pending could take up to 30 days by mail response. I guess I just need to call and check status now? Surprised they didn't both do the same thing - I applied like 5 minutes apart.

Yup. Call reconsideration at 1-888-270-2127 to get it approved today. It could be identity verification. It could be that Chase's algorithm isn't comfortable extending more credit to you, in which case offer to move credit from an existing card to the CSR.

I called the automated line and it knows that I have two applications put in today, one approved and one pending. Is that a problem if I call reconsideration knowing that I applied for two Platinum products AND am at 4/24 (prior to this)? I can try to call reconsideration over lunch in a bit.

Call the automated line again at lunch to see if there's any movement on your CSR application. Fingers crossed it's approved by then.

When you call in to recon, mention you are calling (only) about the CSR. I think if the Chase customer service agent looks hard enough he/she could see that you applied for both cards too, but if you direct their attention to only the CSR they may not notice or mention it. If the Chase agent does inquire, explain how you want to keep certain expenses separate using two cards. If the CSR agent mentions the One Sapphire Rule (most are not that knowledgeable), play ignorant and insist they push through the application anyway; almost all DPs I've read say that if they push an application through, it'll still bypass the One Sapphire Rule.

Thank you so much for all the help!

IT WORKED!!! Double dip at 4/24!

I called recon and asked her what I could provide to help move along the approval for the CSR since we have some travel expenses coming up that we'd like to use it for. Answered some questions, mostly repeats from the application. Then she had to move around some credit (forgot I had a ridiculous $28K limit on my Chase Hyatt, so moved $10K from that), then we were set. No mention of the CSP application at all, whew. And I'll be able to pay off our Disneyland Paris reservation with it, which should also allow me to use the $300 travel credit. Yay!

Now, to spend $8K in the next three months...that's a tall order!!

Tagging @mfly.

 

[Lain]

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.

I think the conventional wisdom is that both the CSP and CSR have to be approved on the same day.

Even under the recently discussed alternate approach, applications can be on different days but approval should be on the same day: https://www.disboards.com/threads/i-love-credit-cards-so-much.3528202/page-1188#post-59107536

However, I did find one DP where applications were on the same day, but approvals were on different days: https://www.reddit.com/r/churning/c...on_thread_december_18_2017/drh51q2/?context=3

ETA additional DPs of approvals on different days:

https://www.reddit.com/r/churning/c...pril_17_2018/dxif6m3/?st=JG5QWI4O&sh=ce9e8db5

https://www.reddit.com/r/churning/c...d_should_i_get_weekly_thread_week_of/dq3ii4i/ (I think DP did end up getting both approved on the same day)

 

[mom2elal]

Is it possible for you to double dip the CSP today, and then have DH apply for a SW card later instead of the CSP?

I'm thinking now that you've been approved for the CSR, when you get the CSR bonus you'll be locked out of another CSP or CSR bonus for the next 24 months. If DH applies for the CSP later, then he'll be locked out of another Sapphire bonus for 24 months. If you go for the CSR+CSP double dip today, you'll get 100k UR in bonuses; DH saves a slot for the SW card, and can possibly go for the CSP+CSR double dip next year.

Of course, I don't know if DH got a SW card bonus in the past 24 months (one SW card rule) as part of his turn at the CP. Or if DH got a CSP or CSR in the last 24 months.

Yeah, dh got a SW card last month.

 

[3 DD love princesses]

So, I had to go to a doctor's appointment and had time to remember why my original plan was the way it was, so I'm now back to getting just the CSR today. Long story short, we need a bunch of UR points AND SW points for our WDW trip next summer, so the reason I can't do the double dip is that I need to get a SW card, which I won't be able to do if I get both CSR/CSP today. But, I did decide to do the CSR, because we do have a decent amount of spend in dining and travel and I'm also hoping to have DH apply for the CSP and then still be able to transfer those points to me and get the extra % on those as well. Thanks for all the help and support! I love this thread!

@Lain beat me to responding but if you can do the spend and are still under 5/24 I wouldn’t go for the csp for you and have your dh do the sw.

 

[3 DD love princesses]

Yeah, dh got a SW card last month.

Are you trying for the cp?
ETA you could do the csp get that bonus and you can always transfer to swa. Saving you the sw card spot for later since you now have to wait 2 years to get another sapphire bonus

 

[mom2elal]

@Lain beat me to responding but if you can do the spend and are still under 5/24 I wouldn’t go for the csp for you and have your dh do the sw.

You know, this discussion is making me think about having my dh try to do a double dip on the CSR/CSP. That might work, just want to space it out from his SW app.

 

[mom2elal]

Are you trying for the cp?

No, I don't want to deal with Chase business cards. We're just each getting a SW card.

 

[Lain]

Yeah, dh got a SW card last month.

Ah, yeah, that'll take him out of the SW game for 24 months under the new one SW rule.

You know, this discussion is making me think about having my dh try to do a double dip on the CSR/CSP. That might work, just want to space it out from his SW app.

And you could refer him for the CSR!

 

[mom2elal]

Are you trying for the cp?
ETA you could do the csp get that bonus and you can always transfer to swa. Saving you the sw card spot for later since you now have to wait 2 years to get another sapphire bonus

Hmm, now that's an idea...but I don't know if I can stand the thought of transferring UR's to SW 1:1 when I could use them for 1.5 on the portal.

 

[Jen and Ashwin]

Hmm, now that's an idea...but I don't know if I can stand the thought of transferring UR's to SW 1:1 when I could use them for 1.5 on the portal.

I think it would depend on which is a better redemption rate. Paying in SW points or paying in UR. Would have to decide on a case by case basis.

 

[3 DD love princesses]

You know, this discussion is making me think about having my dh try to do a double dip on the CSR/CSP. That might work, just want to space it out from his SW app.

What’s your 5/24 again

 

[3 DD love princesses]

Hmm, now that's an idea...but I don't know if I can stand the thought of transferring UR's to SW 1:1 when I could use them for 1.5 on the portal.

Depends on the price of the flight. But getting the extra bonus of 2 sapphires is nice

 

[amalone1013]

@SouthFayetteFan Reviews are loaded. I tried to keep a similar format to yours.

Today at work, @SouthFayetteFan's song came up on my playlist.

I can be your hero...

 

[speedyfishy]

I do not have a business but my husband does side jobs apart from his regular job. and is hoping to get his license before the end of the year and open a small businesses. I had not thought about opening a card yet for that. So a Chase ink for this???

What % do i get back with the UR card. I had looked at the freedom card. How do they differ? I bank with chase so that is a plus.

The CIP is perfect for you. If you go in branch your DH can ask to speak to a Business Relationship Manager. He would get 100,000 UR for $5,000 in spend. That can be redeemed for $1,000 cash or is worth $1,250 when booking travel through the chase portal. I’d recommend your DH getting this and then having him refer you. I’m sure you help with his business.


This card earns 3URs for travel, shipping, internet, cable, phone and advertising. It earns 1UR for every other purchase.


The freedom earns 5URs for rotating categories.


The freedom unlimited is 1.5 UR on everything.


There is also the Sapphire Line you may want to check out.


If you don’t want to go in branch for the CIP consider using a link on our Reddit DiSChurners group. Message Albort or SouthFayetteFan with your Reddit name. You can post your links there for the cards you have as well.