I love credit cards so much!

[CyndiLouWho]

Ugh! I'm so frustrated. DH applied for and denied SW card. "Too many cards" although I know he is 3/24 after I removed him as AU from my cards last month. Not sure why they're still showing. He called recon Wednesday and was told his app was still pending despite having already received denial letter in the mail. So he called again today and was told he has too much credit he is responsible for (they consider the whole family's credit) they don't reconsider & the decision is final.

Any point in trying again tonight or will his account be flagged already?

 

[Jen and Ashwin]

Ugh! I'm so frustrated. DH applied for and denied SW card. "Too many cards" although I know he is 3/24 after I removed him as AU from my cards last month. Not sure why they're still showing. He called recon Wednesday and was told his app was still pending despite having already received denial letter in the mail. So he called again today and was told he has too much credit he is responsible for (they consider the whole family's credit) they don't reconsider & the decision is final.

Any point in trying again tonight or will his account be flagged already?

Even though you removed your DH as an AU from your cards, they may still show up on his credit report. I removed my DH from my Marriott card recently. It was still showing up on his Experian and Transunion reports. It was not on his Equifax report. You can check each report for free by going through the dispute section on each site. I recently submitted requests to get it removed from each of these reports. We will see if that works or not.

That could be why he is being rejected, but I am not sure if you can remedy it in time for the SW offer. But you could definitely go ahead and try getting them removed anyways.

 

[nhgirl]

Yes!! I'm super excited for this 80K+, but even more excited I was approved for a business card with no hassle. LMAO

I just called the automated line and I have been approved. I worked up the guts to apply after I read your post. I'm surprised they approved me because I just got the CI last month. I got the message to call and I didn't call to speak with anyone. I figured they would send me a rejection letter. I am so excited!!!

 

[CyndiLouWho]

Even though you removed your DH as an AU from your cards, they may still show up on his credit report. I removed my DH from my Marriott card recently. It was still showing up on his Experian and Transunion reports. It was not on his Equifax report. You can check each report for free by going through the dispute section on each site. I recently submitted requests to get it removed from each of these reports. We will see if that works or not.

That could be why he is being rejected, but I am not sure if you can remedy it in time for the SW offer. But you could definitely go ahead and try getting them removed anyways.

I thought you could ask them not to consider AU or let them know you've been removed as AU. He was initially denied CSP in May, I removed him, he called & told them that & he was approved. Now with SW card they will not reconsider?

 

[Narnia_girl]

Thanks. I just called and got some of the limit reallocated from the Marriott card to the IHG card. Call took about 10 minutes and went very easily. Once my card arrives, I am going to send a SM with a picture of the 100k points offer and see if they will match it.

ETA: Especially excited about this card because the free anniversary night alone is worth having it, since the annual fee is just $49. And it will keep my IHG points from expiring. I don't stay at IHG hotels a ton, but we prefer Holiday Inn Express when we need to spend a night on the road because of the nice accommodations, breakfast and laundry facilities.

We've had an IHG card for many years--got it back when it was Priority Club. It's a no annual fee card. Any idea if they would let me product change UP to a IHG Rewards Select and get the benefits you mentioned?

 

[mhartman09]

I just called the automated line and I have been approved. I worked up the guts to apply after I read your post. I'm surprised they approved me because I just got the CI last month. I got the message to call and I didn't call to speak with anyone. I figured they would send me a rejection letter. I am so excited!!!

Awesome! Congrats! I'm not certain whether or not I got a call, as they would have called my home number. I'll have to check when I get off work today. I was super surprised I was approved because I only put $5000 yearly revenue, but that's a truthful estimation based on my sales over the last few weeks. This is totally a side gig so I knew the revenue would be low. However, I've seen mixed stories all over reddit about very new and low revenue businesses being approved often.
When you say the CI are you referring to another Chase Ink card?

Now I need to read up on the online access for the CIP. I hadn't paid a lot of attention to how that works because I never had a business card. I'm guessing it won't automatically link to my personal log in on the Chase site.

 

[Jen and Ashwin]

We've had an IHG card for many years--got it back when it was Priority Club. It's a no annual fee card. Any idea if they would let me product change UP to a IHG Rewards Select and get the benefits you mentioned?

No clue honestly. What does the no fee card offer? The card I applied for gives a free anniversary night, 10% back in points redeemed and elite platinum status (which gives a 50% bonus on points earned for stays).

Would you not want to just apply to the annual fee card to get the 80k bonus?

 

[Jen and Ashwin]

I thought you could ask them not to consider AU or let them know you've been removed as AU. He was initially denied CSP in May, I removed him, he called & told them that & he was approved. Now with SW card they will not reconsider?

Maybe it is dependent on the rep that you get on the phone. Maybe you can try one more call back?

 

[Narnia_girl]

No clue honestly. What does the no fee card offer? The card I applied for gives a free anniversary night, 10% back in points redeemed and elite platinum status (which gives a 50% bonus on points earned for stays).

Would you not want to just apply to the annual fee card to get the 80k bonus?

I guess I could just apply. My thinking was we have been loyal customers for so long that maybe they would let us 'bump up' to this offer without an application.

Our current IHG card (no fee):

• Earn 2 points on every $1 spent when you stay at our hotels.
• Earn 1 point on every $1 spent on all your other purchases.

The new offer you referenced is a much better deal!

 

[gottalovepluto]

I thought you could ask them not to consider AU or let them know you've been removed as AU. He was initially denied CSP in May, I removed him, he called & told them that & he was approved. Now with SW card they will not reconsider?

All IMHO...
I'd call but make sure to do it at a totally different time of day than when you got that last nasty rep, just to up your odds of different reps and different managers looking things over. Chase reps can be all over the place. For my CSR it took 3 calls. First 2 wouldn't approve because I had too many cards despite 1 being an authorized user. 3rd was the charm but it took a long time and he did walk through every item on my application. "they don't reconsider" and "the decision is final" ? Please, we all know Chase reconsiders. Is it possible he's been "flagged" for instant denial? I guess, idk, but if he is what do you have to loose by calling again? I'd start with "I think I was denied because I'm an authorized user, but I don't use those accounts and would like them taken out of consideration..." If it's a "nope" just say "ok, well thanks" and HUCA. If after a few calls this time you don't get anywhere then throw in the towel, but I wouldn't do it yet. The most you've lost here is the time it takes for the calls.

 

[Albort]

All IMHO...
I'd call but make sure to do it at a totally different time of day than when you got that last nasty rep, just to up your odds of different reps and different managers looking things over. Chase reps can be all over the place. For my CSR it took 3 calls. First 2 wouldn't approve because I had too many cards despite 1 being an authorized user. 3rd was the charm but it took a long time and he did walk through every item on my application. "they don't reconsider" and "the decision is final" ? Please, we all know Chase reconsiders. Is it possible he's been "flagged" for instant denial? I guess, idk, but if he is what do you have to loose by calling again? I'd start with "I think I was denied because I'm an authorized user, but I don't use those accounts and would like them taken out of consideration..." If it's a "nope" just say "ok, well thanks" and HUCA. If after a few calls this time you don't get anywhere then throw in the towel, but I wouldn't do it yet. The most you've lost here is the time it takes for the calls.

the last statement makes me wonder if its just too much credit in name. offering to move credit around might work.

 

[Jen and Ashwin]

the last statement makes me wonder if its just too much credit in name. offering to move credit around might work.

This is a possibility. It is the reason that I don't get automatic approvals from Chase. I know that I need to call in to reallocate some of the credit limit to the new application. But I would think they would have said that on the call, rather than say it is because of too many cards.

 

[Lain]

Now I need to read up on the online access for the CIP. I hadn't paid a lot of attention to how that works because I never had a business card. I'm guessing it won't automatically link to my personal log in on the Chase site.

The CIP won't automatically link to your personal Chase account. If you want to link all your Chase accounts together, you'll get the Ink business interface for everything, which is like the old Chase design and most people consider inferior. I just created a separate login for my CIP. You can transfer your UR points to your personal card using the UR site.

 

[CyndiLouWho]

the last statement makes me wonder if its just too much credit in name. offering to move credit around might work.

Actually I SMd and had credit lines reduced on DHs CSR & CSP, thinking the same. Each is now 12k and both were much higher before. So there should be room. He implied my credit limits factored in to the decision but I know that's BS. I think DH admitted he would be responsible for my debt, but that's pretty much always the case. However I have a job and my own CCs.

 

[mhartman09]

The CIP won't automatically link to your personal Chase account. If you want to link all your Chase accounts together, you'll get the Ink business interface for everything, which is like the old Chase design and most people consider inferior. I just created a separate login for my CIP. You can transfer your UR points to your personal card using the UR site.

Thanks for this!! I'm really only concerned with being able to transfer UR to my personal login, since that's what we use for mine and DH's to pool. I have read lots of people complain about the business interface, so I'll just create a new log in instead. Do I have to wait for the card to arrive to do this?

 

[Albort]

Thanks for this!! I'm really only concerned with being able to transfer UR to my personal login, since that's what we use for mine and DH's to pool. I have read lots of people complain about the business interface, so I'll just create a new log in instead. Do I have to wait for the card to arrive to do this?

i had my personal and business combined. The only thing that was annoying was having to reset my external accounts and my chasepay accounts.

 

[belle1986]

What's a good card for gas purchases? Dh gets reimbursed for his gas through his job and I may have him convinced to get into the game. Lol

 

[Albort]

What's a good card for gas purchases? Dh gets reimbursed for his gas through his job and I may have him convinced to get into the game. Lol

2 best gas card is Sams Club (5x) or Costco (4x). Both cash back cards though.

 

[Ava]

If I were starting out on this hobby all over again today, I would Get the CSR, CSP, CIP for the big UR bonuses. The points are variable so I can use them in a number of different ways and across the 3 air alliances. I'd product change the CSP to a Freedom after a year and keep the CSR. If your spending patterns in dining and travel aren't more than $3200/year then you PC the CSR to a Freedom. I'd PC the CIP to an Ink Cash. I'd pick up a Marriott card for the annual night and keep it. I'd also pick up a United card for the points and keep that for the extra award availability and lounge passes. There's the first 5 cards and PC to other keeper cards. Notice I wouldn't go for a SW card but that is because my focus is international first class flights. For those who do a lot of domestic travel, getting that CP deal is outstanding!

After passing 5/24 with no plans to ever be under 5/24 again, then I'd see about getting the airline card that would be most valuable to my flight goals. For me that is AA since I am in south FL and Miami is an AA hub. I have both the Barclay and Citi AA cards and keep both. One offers me as pending bonus every year that far outweighs the fee in value. The other, I've had too long to consider cancelling. I'd also pick up and keep an SPG card which is where I put most non bonus category spend. SPG points transfer to over 30 airlines. Plus, for every 20k points you transfer SPG gives you an additional 5k bonus points. That saved me over 50,000 points on the suites flights we just booked. SPG is in a merger with Marriott so we don't really know what will happen with the card next year. This a reason that I was ok with blowing huge amount of SPG points to get the Suite class flights.

I'd consider IHG for your hotel points since you get an annual night at any IHG property upon card anniversary. A night at the Intercontinental in Times Square plus another night using points is not bad for a $49 annual fee. This is another of my keeper cards. My main hotel go to card is Club Carlson for International stays. That card has brought us thousands of dollars in hotel stays for $75 annual fee.

I'd suggest waiting for a really great bonus to pick up any Amex MR earning cards due to their one per lifetime language. Hope this all helps.

This run down is incredibly helpful! I think I've convinced my wife to get in the "game" with me, so this is a good guide for starting out. I will have her start with the CSP since the AF is waived the first year. She's 2/24, and both of those are AU accounts, although those accounts will fall off in Feb/March of next year. I'm not sure I'll be able to talk her into the CSR right away due to the high AF that's not waived, or the CIP since she doesn't have a legitimate business.

I'm not sure what's the best strategy after that, though. I want her to get the IHG card so we'll end up with 2 free nights/year but wanted to have her wait until Feb to align with mine. Although with the current 80,000pts (or 100,000pts if you can get them to match the targeted offer) sign up bonus, I'm tempted to have her apply for this one sooner rather than later. I haven't seen an advertised end date for the increased bonus but I'm sure it won't stick around forever. But I suppose in the long run it's better to be able to use the free nights at the same time.

I also want Marriott cards to use the bonus points to stay in Niagara Falls next summer, and it would make sense to have us apply for those at the same time as well so our annual free nights will line up. I feel like these two hotel cards are pretty easy keepers for us for the annual free nights.

For myself, I'm thinking of the CIP next because I'm 4/24 but I'm not sure what I'd list as my "business." I have an eBay account but I only sell on there sporadically. After that I'll go for the Marriott card since the CIP won't count towards my 5/24.

Once I've exhausted Chase, I think my next move will be cards for JetBlue & Delta as those seem to have the most flights out of JFK. Although I still don't understand award flight booking so I'll need to figure out how that works for Delta. I know for JB the points needed are just based on the cost of the ticket. The ones that have awards charts based on miles flown I don't understand at all. We're not in a place yet where we fly very often though so I have time to work on it. SPG is another option, if it's still around by the time my wife & I are finished with our Chase cards.

 

[belle1986]

2 best gas card is Sams Club (5x) or Costco (4x). Both cash back cards though.

Cash back is ok, is there one you would recommend over the other?