I love credit cards so much!

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tink1970 said:
I downgraded my CSR b/c I had a CSP and the are you sure sm went back and forth about 4 times until they finally did it. Be persistent!
Click to expand...

May I ask why you downgraded the CSR. Doing this actually entered my mind also. When i first got the card I thought
i would never downgrade it but now after paying the 2nd $450 fee I'm wondering. Of course i just paid the fee so
would have to wait another year.

I have to get these annual fees down!!! lol
 
gottalovepluto said:
There has been recent discussion on Reddit about Chase shutdowns. These have been around for some time but are picking up a little bit of momentum lately so I'll relay what I've seen over there so anyone around 4/24 hitting Chase can evaluate for their own needs. Most people hit 5/24, 6/24 with Chase and don't get shut down but apparently some people have recently and here is some data I've seen on it:

How it works: Chase cards just stop working. A person calls and is told they are under financial review and no there is nothing that they can do and Chase will get back to them in a couple weeks. A couple weeks later their cards either start working or they receive a letter stating their cards have been shut down. (People's points aren't being revoked, I think they have a time to cash them or spend them.)

Why: Reddit is trying to figure this out.
-For sure matters: people recently applied for a Chase card and had at least 4 other Chase cards. Opening lots of Chase cards in a short period of time; opening lots of Chase cards and then other cards and then another Chase card.
-Things that don't seem to matter: being a Chase Private Client, high credit scores, good credit history, making lots of money, banking relationships with Chase.

Here are two people's recent data points. #1 was reinstated after a supervisor called during the review process and admonished the person for opening so many accounts recently. #2 was not reinstated (they had a lot of accounts, I don't think the supervisor could look the other way there)
1) 4/24, 4/12 at time of shutdown (5/25, 5/12 w/ biz cards). Had CSR, CSP, CIP, SW Plus, SW Premier. Applied SW Biz Premier end of Nov. App before that was early Oct. They (as opposed to early data points from a year or 2 ago) had no MS.
2) 19/12 at time of shutdown. Chase: 12/15 Amazon, 4/16 CSP, 8/16 United, 5/17 Hyatt, 10/17 IHG, 12/1/17 applied BA, 12/8/17 shutdown. $400 MS, 2 bank accounts funded on CSR

I'm not trying to scream fire! fire! here, but I want everyone to be as informed as possible. As I said these are un-common but have come up in very recent discussion on Reddit.

ETA: for clarity
Click to expand...

This is interesting. I tried to pay for something with chase last night online and it was declined. I went to my acct and didn't see anything
unusual so i just thought it was a fluke. Now seeing what you wrote i just called. I was told there was a lot of fraud going around
and they thought the charge was suspect and wanted to verify it was me making it. I said it was and they cleared it. It was just
to Amazon and went through fine right now. I was worried because i just opened 3 new credit cards 6 months ago...one was chase
hyatt.
 
jujubiee4 said:
May I ask why you downgraded the CSR. Doing this actually entered my mind also. When i first got the card I thought
i would never downgrade it but now after paying the 2nd $450 fee I'm wondering. Of course i just paid the fee so
would have to wait another year.

I have to get these annual fees down!!! lol
Click to expand...

i think the high fee is what scares most people down. someone did the math in here and its like $5000 you need to spend on just the CSR to make the AF back. Im probably gonna leave it open as i see CSR is a combination of all ie CSR, CFU, CF and ink+. Ive gained around 100k total usually per year so to me, keeping CSR is ideal... Either that or they got another spending card they would rather use than the CSR.

jujubiee4 said:
This is interesting. I tried to pay for something with chase last night online and it was declined. I went to my acct and didn't see anything
unusual so i just thought it was a fluke. Now seeing what you wrote i just called. I was told there was a lot of fraud going around
and they thought the charge was suspect and wanted to verify it was me making it. I said it was and they cleared it. It was just
to Amazon and went through fine right now. I was worried because i just opened 3 new credit cards 6 months ago...one was chase
hyatt.
Click to expand...

i made like 5 total purchases at walmart, all but 1 were flagged and either required me to call or they called me... haha.
 


jujubiee4 said:
This is interesting. I tried to pay for something with chase last night online and it was declined. I went to my acct and didn't see anything
unusual so i just thought it was a fluke. Now seeing what you wrote i just called. I was told there was a lot of fraud going around
and they thought the charge was suspect and wanted to verify it was me making it. I said it was and they cleared it. It was just
to Amazon and went through fine right now. I was worried because i just opened 3 new credit cards 6 months ago...one was chase
hyatt.
Click to expand...
Yeah, just fraud alerts! Chase can get trigger happy with those but they don't mean anything :)
 
@Lain
coded separately.
ms5BXh8.png
 


Albort said:
you should be fine... if i recall correctly, business and personal cards are handled differently. I do watch some of the chase cancellation on flyertalk, 99% of cancellations are due to abuse.
Click to expand...
What is considered abuse?
 
Albort said:
first line = extra points. (10k points was $227.50)
2nd line = regular spendings. (spendings includes the first $227.50)
Click to expand...

Thanks for the post and breakdown. It’s been a tough day and my head is throbbing with no tylenol in sight.
 
miztressuz said:
Ouch. Got my new Discover it card the other week but I didn't realize they would match my billing cycle to my existing card. I thought it'd be based on when I opened the account but, nope, closed yesterday with the other one. That's gonna be a painful due date. Guess I just have to look on the flip side, I earned just about the same amount of cashback in about 10 days as I do all year on the other one with the sign up bonus (thanks DISchurners!) and the 5% categories. It'll all be worth it at the end of the year when it doubles :)
Click to expand...
I think after one or two statements you can request a different closing date.
 
Last edited:
CyndiLouWho said:
I think after one or two statements you can request a different closing date.
Click to expand...

Yeah, I could but knowing now what the cycle is future months aren't a big deal. I've never had a card close early like that, with less than 2 weeks of use, so I wasn't expecting to owe the balance so quickly. It's why I used it on a couple of purchases, I figured it'd be a big bill but wouldn't be due after all the other x-mas bills hit at the beginning of the month. Now it's due right in the middle of them. It'll just get pulled out of the savings account a few weeks earlier than expected. While it's not much interest I like to earn it for as long as I can :)
 
SouthFayetteFan said:
STRANGE IHG & EBATES TIP: (I had meant to post this awhile back and forgot!)

We stayed at the Holiday Inn Virginia Beach back in August. We took our Sister-In-Law, Brother-in-Law and 6 month old niece for a beach trip since they couldn't afford a vacation this summer with all the new baby expenses. (Side Note - neat that churning was able to give us the opportunity to do this)

We booked 2 rooms for 3 nights...the first night on each room was with our IHG Card free anniv. night and the other 2 nights were on points. We booked the rooms in February for a stay in August and even though it was all points I activated me Ebates when booking because I'm always in the habit of doing that.

So in November when our quarterly Ebates check showed up we got $28.80 X 2 from IHG...I have no idea how it worked or calculated but we paid $0 for the rooms and actually got $57.60 back hahaha! It seems that they did 4.5% back on the rack room rate, even though points were used. So obviously YMMV but now whenever I book any room at any hotel chain I always activate the Ebates just in case...
Click to expand...

How was that Holiday Inn? We usually stay at the Marriott next door when we go in August for my business trip. I've heard not so great things about that Holiday Inn but I think maybe they renovated.
 
DisneyMandC said:
How was that Holiday Inn? We usually stay at the Marriott next door when we go in August for my business trip. I've heard not so great things about that Holiday Inn but I think maybe they renovated.
Click to expand...
It was ok - I'd give it a solid C grade. Being at the very end of the hotel section of beach was nice, less busy. The pools were nice (we enjoyed the indoor lazy river area a lot because it wasn't exactly hot while we were there). We also watched a couple movies in their little theater so that was neat. Our room was pretty worn and left something to be desired. Elevator situation was terrible...small and slow. Also my wife hated not having any sort of kitchen (vs. what we're used to each year in Captiva Florida with having a house and Myrtle Beach where we usually get a condo). If we go back to VA Beach we'd probably look at the SpringHill suites I believe which had a full kitchen in the room.
 
jujubiee4 said:
May I ask why you downgraded the CSR. Doing this actually entered my mind also. When i first got the card I thought
i would never downgrade it but now after paying the 2nd $450 fee I'm wondering. Of course i just paid the fee so
would have to wait another year.

I have to get these annual fees down!!! lol
Click to expand...

@jujuibee4, I realized UR weren't as valuable to me as MR since I fly primarily Delta. Obviously not paying the $450 is nice but I realized I had a lot of points currency for which I really didn't have a good utilization. Also I found the reps when I called to use UR ranging from unhelpful to very unhelpful to no answer (on hold once for 3 hours and the phone was never answered) so keeping it just wasn't worth it.
 
gottalovepluto said:
There has been recent discussion on Reddit about Chase shutdowns. These have been around for some time but are picking up a little bit of momentum lately so I'll relay what I've seen over there so anyone around 4/24 hitting Chase can evaluate for their own needs. Most people hit 5/24, 6/24 with Chase and don't get shut down but apparently some people have recently and here is some data I've seen on it:

How it works: Chase cards just stop working. A person calls and is told they are under financial review and no there is nothing that they can do and Chase will get back to them in a couple weeks. A couple weeks later their cards either start working or they receive a letter stating their cards have been shut down. (People's points aren't being revoked, I think they have a time to cash them or spend them.)

Why: Reddit is trying to figure this out.
-For sure matters: people recently applied for a Chase card and had at least 4 other Chase cards. Opening lots of Chase cards in a short period of time; opening lots of Chase cards and then other cards and then another Chase card.
-Things that don't seem to matter: being a Chase Private Client, high credit scores, good credit history, making lots of money, banking relationships with Chase.

Here are two people's recent data points. #1 was reinstated after a supervisor called during the review process and admonished the person for opening so many accounts recently. #2 was not reinstated (they had a lot of accounts, I don't think the supervisor could look the other way there)
1) 4/24, 4/12 at time of shutdown (5/25, 5/12 w/ biz cards). Had CSR, CSP, CIP, SW Plus, SW Premier. Applied SW Biz Premier end of Nov. App before that was early Oct. They (as opposed to early data points from a year or 2 ago) had no MS.
2) 19/12 at time of shutdown. Chase: 12/15 Amazon, 4/16 CSP, 8/16 United, 5/17 Hyatt, 10/17 IHG, 12/1/17 applied BA, 12/8/17 shutdown. $400 MS, 2 bank accounts funded on CSR

I'm not trying to scream fire! fire! here, but I want everyone to be as informed as possible. As I said these are un-common but have come up in very recent discussion on Reddit.

ETA: for clarity
Click to expand...

Interesting!
Wonder if the people use the cards.
I have 4 chase cards but use 3 of them actively. The 4th is disney and I mostly use it to book early if that is a promo.

jujubiee4 said:
This is interesting. I tried to pay for something with chase last night online and it was declined. I went to my acct and didn't see anything
unusual so i just thought it was a fluke. Now seeing what you wrote i just called. I was told there was a lot of fraud going around
and they thought the charge was suspect and wanted to verify it was me making it. I said it was and they cleared it. It was just
to Amazon and went through fine right now. I was worried because i just opened 3 new credit cards 6 months ago...one was chase
hyatt.
Click to expand...

They have been flagging me quite a lot for fraud the last couple days too...well not me, but my AU dd18 who is at college.
 
DH got the AMEX Delta Platinum Business when 70K first opened up (around 9/28). We met the minimum spend the middle of October. Also made the Delta purchase. No money back toward AF for that and more importantly still no bonus! Any thoughts? What has been everyone’s experience?

I did a live chat last week and he checked and basically said be patient. Two concerns: about $600 of spend was classified as real estate and $600 was for insurance. Now I am thinking maybe those charges did not count to get bonus?

I really wish Chase was like AMEX and had an option to secure message. I don’t want to call since it is DH’s card (he won’t call) and the live chat does not seem to be that effective. If I need to put more spend on it I need to do it ASAP because getting close to end of three months. Third statement closes 12/25.

I am so totally obsessing over this. Like every couple hours getting on and checking his account to see if miles have posted yet...
 
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