I love credit cards so much!

[DaveL]

I’ve been calling every 3 hours. Since it’s late in the afternoon, I’ll stop calling for the day. Try again tomorrow.

Mine got approved overnight, I called about my CIP late evening and got the 30day message, called at 6~7AM the next morning on my way to work and it was approved!

My refresh now is on USP's website waiting for my 3D Printer to pass through customs, has not flipping moved in the past 30 hours! PAIN!!!

 

[CyndiLouWho]

you wont be able to use your AA points with Alaska or combine your miles together. this is where awardhacker is useful.
awardhacker suggest, Korean Air, its 20k RT. In order for you to book this, the best thing to do is to Call Korean Airlines. You will fly AS Metal.
It looks like UA will cost you 25k RT. You book via UA wbesite. it would be UA or AC metal.
I also see AA that would cost u 30k RT.

depends on what points you are looking to use, would vary on what airline is recommended.

I have AA points and a few AS points. 15k AA points each way with 10% back with Aviator Card is doable. Just trying to save points where possible.

 

[motherof5]

It is a lot of information at first. Take your time and if you have any more questions let us know. The Southwest cards were a great choice and great job getting the companion pass. They were my second and third cards. I got them about 8 months ago. Since then I have gotten 6 more cards you are planning ahead so no need to rush into anything.

Thank you. I appreciate all suggestions and not planning on opening cc until this summer so I have time to research all this information.

 

[Lain]

So I’ve been reading increasing DPs on Reddit that Chase is refusing to move credit lines from existing cards to open a new card on recon. Relatedly, I’ve also seen DPs say Chase offered to approve the new card if the applicant closed one or more old cards. Any personal DPs?

I’ve generally not been a fan of preemptively reducing credit lines to improve your chances at approval. But, if this is the new policy, then reducing credit lines on your own might make sense if you want to apply for more Chase cards and you believe you’re at about the limit of what Chase is likely to extend to you in credit across all cards (~50% of total income).* Note that some people have credit lines with Chase well in excess of 50% of total income, so one could also risk the hard pull with the credit they’ve already been extended to see if they’ll be approved for another card, or if this new policy is YMMV with recon.

*Of course, reducing credit lines will have the effect of reducing your overall available credit and could impact your credit score by increasing percentage of credit utilization (unless perhaps you’ve moved a lot of your spending to non-reporting business cards or charge cards).

Any thoughts on this?

 

[kmc8826]

Does anyone know how EMM code? I put it on our CIP but we only got 1pt/$.

Yes it does not code as travel. It would have been the same if you had put it on Preferred/Reserve. I think it codes the same way as buying the tickets directly through Disney.

 

[speedyfishy]

So I’ve been reading increasing DPs on Reddit that Chase is refusing to move credit lines from existing cards to open a new card on recon. Relatedly, I’ve also seen DPs say Chase offered to approve the new card if the applicant closed one or more old cards. Any personal DPs?

I’ve generally not been a fan of preemptively reducing credit lines to improve your chances at approval. But, if this is the new policy, then reducing credit lines on your own might make sense if you want to apply for more Chase cards and you believe you’re at about the limit of what Chase is likely to extend to you in credit across all cards (~50% of total income).* Note that some people have credit lines with Chase well in excess of 50% of total income, so one could also risk the hard pull with the credit they’ve already been extended to see if they’ll be approved for another card, or if this new policy is YMMV with recon.

*Of course, reducing credit lines will have the effect of reducing your overall available credit and could impact your credit score by increasing percentage of credit utilization (unless perhaps you’ve moved a lot of your spending to non-reporting business cards or charge cards).

Any thoughts on this?

Ughhhh, I know have reached my limit with chase because I had to move credit to get approved for the Marriott card. I have also been meaning to move my credit lines from my Southwest cards to my FU. My Southwest cards have a limit of 20+k each and my FU only has 3k. I guess tomorrow will be a good time to see if I can move it around. If I can’t move it I don’t know what I’ll do when I go for the CSR/CSP combo in a few months.

 

[SouthFayetteFan]

So I’ve been reading increasing DPs on Reddit that Chase is refusing to move credit lines from existing cards to open a new card on recon. Relatedly, I’ve also seen DPs say Chase offered to approve the new card if the applicant closed one or more old cards. Any personal DPs?

I’ve generally not been a fan of preemptively reducing credit lines to improve your chances at approval. But, if this is the new policy, then reducing credit lines on your own might make sense if you want to apply for more Chase cards and you believe you’re at about the limit of what Chase is likely to extend to you in credit across all cards (~50% of total income).* Note that some people have credit lines with Chase well in excess of 50% of total income, so one could also risk the hard pull with the credit they’ve already been extended to see if they’ll be approved for another card, or if this new policy is YMMV with recon.

*Of course, reducing credit lines will have the effect of reducing your overall available credit and could impact your credit score by increasing percentage of credit utilization (unless perhaps you’ve moved a lot of your spending to non-reporting business cards or charge cards).

Any thoughts on this?

Ughhhh, I know have reached my limit with chase because I had to move credit to get approved for the Marriott card. I have also been meaning to move my credit lines from my Southwest cards to my FU. My Southwest cards have a limit of 20+k each and my FU only has 3k. I guess tomorrow will be a good time to see if I can move it around. If I can’t move it I don’t know what I’ll do when I go for the CSR/CSP combo in a few months.

Not directly related to the topic at hand but I wanted to confirm that you can still move CL between cards with no issue. I did it 30 minutes ago... Obviously the greater concern is moving limit to open a card...as you were haha

 

[Lain]

Not directly related to the topic at hand but I wanted to confirm that you can still move CL between cards with no issue. I did it 30 minutes ago... Obviously the greater concern is moving limit to open a card...as you were haha

Agreed. I haven’t seen any DP that says you can no longer move credit between existing cards; just more and more stories of being told “no” or “we no longer do/allow that” when offering to move credit from an existing card to open a new card.

 

[amalone1013]

I've an AMEX biz apps wait 3 days and 10 days respectively so while it's frustrating, it likely will turn to an approval at some point within a week

That makes me feel better that it's not totally unusual

 

[mom2elal]

So I’ve been reading increasing DPs on Reddit that Chase is refusing to move credit lines from existing cards to open a new card on recon. Relatedly, I’ve also seen DPs say Chase offered to approve the new card if the applicant closed one or more old cards. Any personal DPs?

I’ve generally not been a fan of preemptively reducing credit lines to improve your chances at approval. But, if this is the new policy, then reducing credit lines on your own might make sense if you want to apply for more Chase cards and you believe you’re at about the limit of what Chase is likely to extend to you in credit across all cards (~50% of total income).* Note that some people have credit lines with Chase well in excess of 50% of total income, so one could also risk the hard pull with the credit they’ve already been extended to see if they’ll be approved for another card, or if this new policy is YMMV with recon.

*Of course, reducing credit lines will have the effect of reducing your overall available credit and could impact your credit score by increasing percentage of credit utilization (unless perhaps you’ve moved a lot of your spending to non-reporting business cards or charge cards).

Any thoughts on this?

I've always preemptively reduced the credit lines just because I want to avoid having to call in at all costs.It's worked so far, but then we haven't applied for a ton of Chase cards (Between the two of us, we've only had two Southwests, a Freedom, a Disney and 2 IHGs in the last few years. Denied for a Marriott, but that was because of 5/24.)

 

[WVMomof3]

So I’ve been reading increasing DPs on Reddit that Chase is refusing to move credit lines from existing cards to open a new card on recon. Relatedly, I’ve also seen DPs say Chase offered to approve the new card if the applicant closed one or more old cards. Any personal DPs?

I’ve generally not been a fan of preemptively reducing credit lines to improve your chances at approval. But, if this is the new policy, then reducing credit lines on your own might make sense if you want to apply for more Chase cards and you believe you’re at about the limit of what Chase is likely to extend to you in credit across all cards (~50% of total income).* Note that some people have credit lines with Chase well in excess of 50% of total income, so one could also risk the hard pull with the credit they’ve already been extended to see if they’ll be approved for another card, or if this new policy is YMMV with recon.

*Of course, reducing credit lines will have the effect of reducing your overall available credit and could impact your credit score by increasing percentage of credit utilization (unless perhaps you’ve moved a lot of your spending to non-reporting business cards or charge cards).

Any thoughts on this?

Does that 50% include business cards? Hoping for the CIP soon, but I am well over 50%. Should I be concerned? They have extended me more credit than my husband and I am SAHM.

 

[Alexle2007]

So I’ve been reading increasing DPs on Reddit that Chase is refusing to move credit lines from existing cards to open a new card on recon. Relatedly, I’ve also seen DPs say Chase offered to approve the new card if the applicant closed one or more old cards. Any personal DPs?

I’ve generally not been a fan of preemptively reducing credit lines to improve your chances at approval. But, if this is the new policy, then reducing credit lines on your own might make sense if you want to apply for more Chase cards and you believe you’re at about the limit of what Chase is likely to extend to you in credit across all cards (~50% of total income).* Note that some people have credit lines with Chase well in excess of 50% of total income, so one could also risk the hard pull with the credit they’ve already been extended to see if they’ll be approved for another card, or if this new policy is YMMV with recon.

*Of course, reducing credit lines will have the effect of reducing your overall available credit and could impact your credit score by increasing percentage of credit utilization (unless perhaps you’ve moved a lot of your spending to non-reporting business cards or charge cards).

Any thoughts on this?

Are you sure the 50% is accurate? While I do have some very large credit lines with Chase between all of my cards, I am no where near 50% of my income and had to move credit around for my two most recent approvals- SW and Marriott.

 

[wendow]

Does that 50% include business cards? Hoping for the CIP soon, but I am well over 50%. Should I be concerned? They have extended me more credit than my husband and I am SAHM.

This is the same for me lol. I am a SAHM yet I have more extended from Chase than he does.

 

[WVMomof3]

Does that 50% include business cards? Hoping for the CIP soon, but I am well over 50%. Should I be concerned? They have extended me more credit than my husband and I am SAHM.

Actually, I am an authorized user on 3 of his cards so if you count those I am at almost 100% of income with my name from Chase.

 

[speedyfishy]

I am just at about 50% of my household income with Chase for personal cards. It’s $500 over 50% lol

 

[disneymagicgirl]

This is the same for me lol. I am a SAHM yet I have more extended from Chase than he does.

yep, me three!

 

[Lain]

Are you sure the 50% is accurate? While I do have some very large credit lines with Chase between all of my cards, I am no where near 50% of my income and had to move credit around for my two most recent approvals- SW and Marriott.

~50% is commonly cited, but I’ve seen many DPs with credit lines well over.

Does that 50% include business cards? Hoping for the CIP soon, but I am well over 50%. Should I be concerned?

Chase considers all cards for total credit extended. I don’t know that preemptively reducing your credit line before applying for the CIP will help; some people seem to think it does, but the DPs I’ve seen on reddit seem to be mixed. If you absolutely feel like you need to reduce credit lines to improve your odds of approval for the CIP, you might want to reduce a personal credit line because you wouldn’t have been able to move personal credit to open a business credit card anyway.

They have extended me more credit than my husband and I am SAHM.

This is the same for me lol. I am a SAHM yet I have more extended from Chase than he does.

yep, me three!

Clearly, Chase knows who makes the big money decisions in your households.

 

[calypso726]

The only new card opened w/in 24 mo is my southwest card. DH is not an AU.
Looking to maximize points for free tix and/or hotel stays...we have a big family so looking to make it cheaper (not move to front of plane).
We travel often so I’m thinking we can build points and use them when they work out. Next vacay is Cancun, but that’s booked/paid. I’m thinking of booking a late summer vacay to London/Paris and wouldn’t mind being able to use points for a couple hotel nights. Next year we are looking at the Disney med cruise, so we could focus on that for airfare since it’s further out.
Our airports are SFO/SJC/OAK, United is heavy at SFO but that’s probably my least favorite airline. I haven’t focused on a particular airline since we have so much variety serving these airports that I hop around to whoever has the best flight.

I am going to agree with the advice that @speedyfishy gave you and say go for your Chase cards first and if you can swing it, double dip the CSR and CSP apps at the same time. Then when the spend is made on those, have your DH do the same. Then each go for the CIP business cards. I'd advise to keep the CSR over the CSP when the AF hits on those and PC your CSP to a Freedom, have DH PC his to a CFU. When the AF hits on your CIP cards, if you are able to use Plastiq advantageously, then keep one CIP and PC the other one to a CIC which has no AF. That will wind up being a workhorse in 5X UR earning, up to $25K in spend annually. It will get 5x on cable, internet, phone and office supply stores. You can purchase gift cards, including Disney GCs at office supply stores and make most of your shopping 5x that way. Many of the gift cards, you can stack points earning by shopping online and going through a shopping portal first.

Got home, got the mail... a letter from SPG vacations offering me and DH (well, it was actually addressed to him!) 5nt/6 days on Kauai at the Sheraton there, plus rental car and 5,000 Hawaiian miles. Yes, you have to listen to the timeshare pitch... but the package is only $649.

I'm already doing Food and Wine in October and Barcelona next summer. Now I want to do Kauai in January (which is when we always go to Hawaii).

Someone talk me down!

We got one of those SPG vacations deals too! Ours is for The Westin Maui Resort & Spa, Ka'anapali, 5 nights/6 days, plus rental car and 5,000 American Airline miles. We couldn't pass it up at that price.

Talk you down??? Take a look around this thread and here is what you will find ...

 

[afan]

Breaking my new amex in online and I'm starting to see what you all grumble about when it comes to who takes them. Registered for a local 10k run and the site only took visa/mc. I may need to put more of my spend on the card than I intended because of this. Was happy I could put our cabaret tickets for Paris on it though since that was almost 200. Hopefully it's as fabulous as the website makes it look.

 

[Albort]

any Californians? only one i know is @gottalovepluto
https://swacaliforniamillions.com

for the rest of you guys... https://www.southwest.com/flight/contest/201860142327161