I love credit cards so much!

[kmc8826]

ETA apparently what I was going to put regarding trip insurance is being censored out. What a weird Monday! I am going to bed...

 

[SouthFayetteFan]

I haven't really had a chance to compute what this new Sapphire rule means for me and my strategy. I know some of you enjoy hearing of my strategy (which typically spans the next 18-24 months) so when I figure this out, I will share that, lol.

What I do know right now is my wife is under 5/24 and just did a double dip. I will be under 5/24 in February 2019 (likely will wait until April though to be safe) BUT I have a CSP bonus earned on 2/12/2016 so I need to wait until March 2020 to safely reapply for either (or both Sapphire cards).

It's a lot to chew on my friends...

 

[SouthFayetteFan]

ETA apparently what I was going to put regarding trip insurance is being censored out. What a weird Monday! I am going to bed...

Maybe post somewhere on DISchurners and share a link here? lol.

 

[wendow]

I haven't really had a chance to compute what this new Sapphire rule means for me and my strategy. I know some of you enjoy hearing of my strategy (which typically spans the next 18-24 months) so when I figure this out, I will share that, lol.

What I do know right now is my wife is under 5/24 and just did a double dip. I will be under 5/24 in February 2019 (likely will wait until April though to be safe) BUT I have a CSP bonus earned on 2/12/2016 so I need to wait until March 2020 to safely reapply for either (or both Sapphire cards).

It's a lot to chew on my friends...

It is a lot to chew on. I haven't had a chance to think much about what this means for us either. I was planning to DD April/May of next year. I'd be 3/24 at that point so I thought I *might* try for the CIU before (say Dec/Jan). Now, plan completely destroyed. I'm not eligible until April/May of 2021. If I can churn the CIP for both dh & I, maybe it's worth trying to stay under 5/24. Otherwise, I may should just 'party like it's 1999' for the next year and then worry about getting back under 5/24 later.

I'll be interested to read your strategy, and once you've had time to chew on it all, maybe give some thoughts on my strategy

 

[spacerangerqueen]

After 5 looooong days my CIP is finally approved!!!!

 

[striker1064]

One of the insightful comments on r/churning today mentioned that this hobby might be transitioning to more of a sprint than a marathon. If there's an offer I like, especially with Chase and AmEx, I will consider jumping on it as soon as possible because it may not be here tomorrow.

It's absolutely a sprint, and I think it's been that way for a while. Probably since around 5/24 was implemented on all Chase cards. The game changes too suddenly and too quickly to procrastinate. I've always said sitting on a hoard of points as long as you have a plan when - not if - the devaluations happen. I also have a friends that insists on staying under 5/24, and again, that's fine if you have a plan when - again not if - the rules change.

At least right now, we're lucky that some other loopholes are still active - such as the Citi AA mailers. Barclays cards are churnable too with a waiting period. BoA is getting stingier with approvals, but you can still have multiples of their cards, and their 2/3/4 rule does not apply to business cards (although their biz cards are noticeably less valuable than personal).

Everyone's plan is going to be different. But as long as you're okay with missing out on other offers and loopholes as they close while your plan for one single issuer plays out, go for it. To me, it just doesn't make sense - get everything you can and don't look back.

 

[liloca]

Nashville area. It seems everyone is moving here...like 100 people per day they say. Lots of companies coming to the area.

Bummer my work has no location around there

 

[GlamMistress]

get everything you can and don't look back.

I definitely agree with this. For awhile I was toying with getting back under 5/24 but there's just no point for me and DH. Now with 48 months... forget it. I take too many trips and I have loyalty to no one. I earn and burn (and burn some more) until my balances are down to dregs. I look forward to reading everyone's revised plans.

My plans basically revolve around what cards to keep and what to ditch when the AF comes up. Some of my previous sacred cows (Amex PRG) are on the chopping block. Never thought I'd consider getting rid of my former ride of die PRG but here we are.

And I'm about to pound Citi hard. #SorryNotSorry

 

[disneybirds]

I created a new email for DH’s credit card applications so I can manage them.

I did the same thing. I also use it for his hotel, rental car, and flight receipts.

 

[tink1970]

This is me. I did not have the benefit of this forum two years ago, and I made some credit card choices I have since regretted.

Ditto!

This forum helped me develop a plan, primarily relying on business cards.

Ditto ( you Amex)

I drop under 5/24 on September 1st

Sadly...not me In true bull in a china shop fashion...I will be under 5/24 IF I get no personal cards...12/19. So perhaps it was a stroke of genius to be LOL/24 with the new 48 months restriction? I'd like to think so...

That said, 48 months from my CSR is 9/20 and I have a CSP from a PC Fairmont (Chase PC'd in, not I). Hypothetically, if I exerted enormous restraint...I could be under 5/24 and eligible for the CSR by the 48 month mark. Likely? Probably not What this does for us is ensure DH keeps his CSR for another couple of years (unless they eliminate household transfers of URs) and as soon as he's able, get a CIP (if the bonus is still good) or CIC.


On a slightly happier note, called SPG/Marriott (guys! get a name already!) and my accounts were merged with some stays/nights pending. Glad that's finally over...and apparently calling at the crack of dawn is helpful getting through. The CSR was funny...I asked if it had been a bad week for him and he said "you have no idea." Not their faults it was a charlie foxtrot!

 

[trenty]

I will be under 5/24 as of Sept 25. When can I safely apply for the United card?

 

[kidsfirsttrip]

Ugh saw this info on Chase last night before bed. I will be under 5/24 on Saturday but by the time everything catches up and I PC my CSR (and miss out on travel credit) I think it would be too late anyways. Boo.

Stick with my original plan of CIP in October. Keeping CSR and maybe I’ll upgrade SPG lux to stay busy. I’ll try for DH to get CIP in November/December and then figure out our next move

 

[MrsAlexis]

I haven't tried online yet...I was going to try Old Navy in the next couple days. I need pants.

That's exactly what I bought lol RMN was running $15 off $30 but one day only. Haven't been using RMN long so maybe they'll run that promo again

 

[striker1064]

I will be under 5/24 as of Sept 25. When can I safely apply for the United card?

Chase usually pulls Experian, and as it turns out, Experian back dates all new accounts to the first of the month. As long as you're sure Chase also pulls Experian in your area (they probably do), you can apply on Sept 1. If you're more risk-averse, wait until Oct 1.

 

[kmc8826]

Maybe post somewhere on DISchurners and share a link here? lol.

It’s not even that exciting. Just a reiteration of your idea to @disneymagicgirl to explore other travel insurance options if she wants to product change the Reserve. I just typed out a site I had used and the forum immediately censored it out. Because apparently that is the same as a swear word...

 

[trenty]

Chase usually pulls Experian, and as it turns out, Experian back dates all new accounts to the first of the month. As long as you're sure Chase also pulls Experian in your area (they probably do), you can apply on Sept 1. If you're more risk-averse, wait until Oct 1.

So I can probably check experian on Sept 1 to make sure??

I am in NY - do you know if Chase will pull from Experian? How do I find out?

 

[DisneyMandC]

So I can probably check experian on Sept 1 to make sure??

I am in NY - do you know if Chase will pull from Experian? How do I find out?

DoC had a long post one time of different people providing DPs as to what Chase pulled for their state. Sorry, wish I had the link for you as it's something I would like to bookmark as well. Maybe googling or searching on his website on some of his "how to" stuff might pull it up.

 

[MrPTato]

So I can probably check experian on Sept 1 to make sure??

I am in NY - do you know if Chase will pull from Experian? How do I find out?

DoC had a long post one time of different people providing DPs as to what Chase pulled for their state. Sorry, wish I had the link for you as it's something I would like to bookmark as well. Maybe googling or searching on his website on some of his "how to" stuff might pull it up.

https://www.doctorofcredit.com/knowledge-base/which-credit-bureau-does-chase-pull/

 

[trenty]

https://www.doctorofcredit.com/knowledge-base/which-credit-bureau-does-chase-pull/

Thank you!

 

[trenty]

https://www.doctorofcredit.com/knowledge-base/which-credit-bureau-does-chase-pull/

So for NY all three credit bureaus are listed. I should probably wait until Oct. 1 to apply.