Some questions about applying for the CIP, which I'm seriously considering doing for the signup bonus.
Last week, the word on Reddit and DoC was that if you applied through a referral link and SMed Chase to "check" on the signup bonus, a lot of people were receiving replies that they had a 100k offer attached to their account instead of 80k. Recent DPs suggest this loophole has closed, so other than altruism there's no benefit for me to apply through a referral rather than Chase's official site, right?
Secondly, the CIP bonus categories don't apply to me much since the CSR already offers 3x on travel, I won't do any advertising, and shipping, internet, cable and phone services don't make up a big portion of my expenses. I could product change the CIP to an Ink Cash card, right?
Some background -- I did a bunch of independent consulting work back in 2014-15, got paid personally and filed taxes on 1099-MISCs, then took a step back from it; but there are some opportunities opening up for me in the next few months, and I immediately thought this might be a perfectly good time (and colorable argument) for a business card. Since this is work for the same or similar kind of clients as my previous work, I'd date the age of my business back at least three years. But since I didn't generate any income in 2016 or YTD, I'm assuming I can use my household income as annual income? ETA: I'm 3/24 (4/24 if Chase decides to count an AU account), low-800s on the three credit bureaus. Any thoughts, issues I might be missing?