I love credit cards so much! v2.0 (see first page for add'l details)

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afan

Honorary Bus Driver
Joined
Dec 30, 2014
Wait!!?? Are you in MK on the 7th? Us too! We have SDMT that morning. We'll have to see if we decide to stay for EMH. We usually do but being our first park day with 6 more to follow (and we always RD), I'm not sure we will go all out that first day lol. If you see us, say hi!
I'll be there in the morning til about noon. My flight lands at 6 so I'll freshen up and hit McDs for breakfast on my way to mde so I only have to drop my bag and get my refillable mug at pop. Stop at the fd if the line is short too then to MK. My first fp is for buzz. I'll have my CoP ears on, pink shorts and prob a white tank. We could def meet up.

Thurs is epcot & mk. Fri is ak and hs I think, 2nd park isn't firm. Sat is epcot and ak. Sun is the dis posdcast taping so I only planned hs for that night until they give a time. Mon hs and maybe mk before mde home.
 

wendow

We create happiness.
Joined
Feb 11, 2012
Drinking from the CIPpy cup...what could go wrong?

I've been pondering something today, and I feel it's worth sharing. I want to preface this by saying, I personally am ok with the risk of CIPpy and will continue to drink until the cup spills over.

That said, it's worth pointing out that Chase is not afraid to shutdown accounts if they feel abuse has taken place. Earlier this year, a loophole was shared on r/churning that you could generate support links to any Chase card by manipulating the link. This essentially unlocked a backdoor self-support method. Shortly thereafter, it was discovered that these support bonuses had to be posted manually by Chase and could draw unwanted attention to your account. We subsequently decided here, that we would not support this backdoor "self-support" method and we removed all mention of it.

After this occurred, Chase sent letters out to some of r/churning's support link "super users" (more like super receivers) who had used the ability to PC their card multiple times to max out support points two and three times on the same card within one year. Some of these users also had participated in the link manipulation shared above.

The text in that letter said:
We reviewed your credit card account and it appears as though certain transactions represent a misuse of the rewards program...If this activity continues or if there is any other misuse or misrepresentation by you, we may close this and any other accounts you have with Chase.

A picture of that letter can be seen here:
The users who received these warning letters all were clear that they felt it tied to support links and I believe a couple may have called in to confirm that. Then, in a somewhat shocking move, one of those folks who received a letter actually had some of their cards shutdown by Chase (presumably for the same activity as there was no other logical reason for the shutdown). It's worth noting though, that in all instances, they did not clawback any rewards.

How does this tie to CIPpy you may ask? Well it seems that Chase can decide in their sole discretion what they deem to be abuse of their rewards program. Could they decide that repeatedly getting the same card to earn the signup bonus while simultaneously "self-supporting" was an abuse? I certainly think so. It is almost a certainty that this loophole will cease to exist at some point in the future. Nobody can tell you how far away that is, and nobody can tell you what (if any) consequences may occur when it gets shutdown. I will reiterate, that I am not going to stop drinking from CIPpy... But, I am going to try my best to follow some rules to cip safely:
  • I will always do P1=>P2 or P2=>P1 clicks. I know that might not be possible for all (especially those in 1 player mode) but if this is an option, embrace it! Avoiding a true "self-support" click is much more defensible. In the recent Amex clawback debacle, nobody who was supporting via this method experienced any clawback,.
  • Follow your pacing guidelines, don't try to accelerate the timeline and do 1 a month. It's just not worth the risk of getting yourself shutdown on your own.
  • If you want to be paranoid, you may also consider trying to mix up your business type with each application. Perhaps you own multiple successful "businesses" and you purely were pursuing the best small business card on the market for each business...
Please don't stop drinking from CIPpy because of this comment...just make sure you've weighed all the options and are doing it in the most safe way possible for your situation.

Additionally, as we are advising new folks on this option, I think it's important that we make sure they understand that this is not without risk. I don't want to spook them, but it's irresponsible as a "DISchurner" adviser to not at least make sure they understand that this is a loophole and (a) could be shutdown and (b) could come with some level of consequence at some point in the future.


I'm interested to hear anybody else's thoughts on this - even if you're opposed or feel I'm being overly paranoid here...
I've been giving this some thought too - before your comment and now after. I have dh on CIP3 and dd19 on CIP2. I'm still only on CIP1 since I'm over 5/24 and will be so until Oct 2019. I have already decided that dh and dd are both on a CIPpy cup break. I just feel the risk is too great. I love the CIP bonus (not the card - the card stinks) but I am terrified that Chase is going to shut down my peeps. I am good going for another CIP once I get 'out of jail' in Oct but I really think I need to focus my efforts of getting dh and dd other cards. Problem is that dh continues to get popups from Amex.

We've never done any self-support clicks. I was already leary of those and then the Amex clawbacks started happening. I think that is just a risk I'm not willing to take. However, I recognize that many are in P1 mode only and may not have another option. I like @Andysol's idea of finding another you can share those clicks with.

I hadn't thought about trying to mix up the biz type. I do have a couple different things I could use and will mix things up going forward.
 

wendow

We create happiness.
Joined
Feb 11, 2012
I'll be there in the morning til about noon. My flight lands at 6 so I'll freshen up and hit McDs for breakfast on my way to mde so I only have to drop my bag and get my refillable mug at pop. Stop at the fd if the line is short too then to MK. My first fp is for buzz. I'll have my CoP ears on, pink shorts and prob a white tank. We could def meet up.

Thurs is epcot & mk. Fri is ak and hs I think, 2nd park isn't firm. Sat is epcot and ak. Sun is the dis posdcast taping so I only planned hs for that night until they give a time. Mon hs and maybe mk before mde home.
Lol! I have no idea what I'll be wearing but I can try to let you know as we get closer. The only other day we are in the same park is Mon for HS.
 
  • SouthFayetteFan

    Saving Money on Disney Vacations since 2006
    Joined
    Sep 6, 2014
    I've been giving this some thought too - before your comment and now after. I have dh on CIP3 and dd19 on CIP2. I'm still only on CIP1 since I'm over 5/24 and will be so until Oct 2019. I have already decided that dh and dd are both on a CIPpy cup break. I just feel the risk is too great. I love the CIP bonus (not the card - the card stinks) but I am terrified that Chase is going to shut down my peeps. I am good going for another CIP once I get 'out of jail' in Oct but I really think I need to focus my efforts of getting dh and dd other cards. Problem is that dh continues to get popups from Amex.

    We've never done any self-support clicks. I was already leary of those and then the Amex clawbacks started happening. I think that is just a risk I'm not willing to take. However, I recognize that many are in P1 mode only and may not have another option. I like @Andysol's idea of finding another you can share those clicks with.

    I hadn't thought about trying to mix up the biz type. I do have a couple different things I could use and will mix things up going forward.
    Thank you @wendow for sharing your thoughts! You have me thinking a little more now...

    @Lain - I'm not sure that you weighed in on this at all. I would be really interested in hearing what you're doing, what you think of all of this, etc. I always value your perspective on stuff like this!
     

    afan

    Honorary Bus Driver
    Joined
    Dec 30, 2014
    Nothing more sad in baseball than seeing your pitcher give up a hit in the top of the 9th to lose a perfect game. Did still get the complete game shut out with one hit and one walk.

    Lol! I have no idea what I'll be wearing but I can try to let you know as we get closer. The only other day we are in the same park is Mon for HS.
    Outside of my two fps, I have one to meet mickey & minnie on my way out before noon, I'm just doing whatever has good waits :)

    I have my outfits planned for each day with pictures of them on my phone. Partly because I need to coordinate with the ears and partly because I don't want to wear the same stuff with characters that I've worn before. It also makes my life easier since I don't wear shorts much here, especially this year, so I make sure everything is still good in enough time to buy new if I need to. Though I am bringing some extras this time, both due to the heat just in case and because I've got one day that I'm just not sure what to do so I'll give myself options, haha.
     
  • afan

    Honorary Bus Driver
    Joined
    Dec 30, 2014
    I sent an SM to chase to find out what date I need to have the spend done on my CIP for the bonus. Surprised to get an answer so late at night but they confirmed the offer on my card, told me what I'd spent so far and the date. More info than I'd ask for which I also thought was interested.

    They said I have until Nov. 3 to meet the spend. I was approved last friday on the 12th, so however many that makes but it's more than 3 months. I know there'd been some talk of them giving 90 and not 120 or whatever it was so I wanted to make sure and share. I also made sure to save the message as a text file per their recommendation of saving or printing so I have proof just in case. Makes me feel better knowing I've got longer to get it done though. I'll float some gc if I need to but I can get 4 mortgage payments without doing that which helps.
     

    wendow

    We create happiness.
    Joined
    Feb 11, 2012
    Outside of my two fps, I have one to meet mickey & minnie on my way out before noon, I'm just doing whatever has good waits :)

    I have my outfits planned for each day with pictures of them on my phone. Partly because I need to coordinate with the ears and partly because I don't want to wear the same stuff with characters that I've worn before. It also makes my life easier since I don't wear shorts much here, especially this year, so I make sure everything is still good in enough time to buy new if I need to. Though I am bringing some extras this time, both due to the heat just in case and because I've got one day that I'm just not sure what to do so I'll give myself options, haha.
    I really should start planning outfits BUT...ds10 flew out yesterday by himself to TX. Dh flies to FL for training on the 22nd. DS8 and I fly out on the 24th to meet dh at his training. DD's fly to Jax to spend time with family friends on the 27th. Dh, ds8 and I fly back on the 28th. Ds10 flies back on the 29th and dd's fly back on the 30th. We all turn around and fly back to FL for WDW on 8/5. I'm completely overwhelmed with life right now lol.
     

    palhockeymomof2

    DIS Veteran
    Joined
    Nov 14, 2001
    I sent an SM to chase to find out what date I need to have the spend done on my CIP for the bonus. Surprised to get an answer so late at night but they confirmed the offer on my card, told me what I'd spent so far and the date. More info than I'd ask for which I also thought was interested.

    They said I have until Nov. 3 to meet the spend. I was approved last friday on the 12th, so however many that makes but it's more than 3 months. I know there'd been some talk of them giving 90 and not 120 or whatever it was so I wanted to make sure and share. I also made sure to save the message as a text file per their recommendation of saving or printing so I have proof just in case. Makes me feel better knowing I've got longer to get it done though. I'll float some gc if I need to but I can get 4 mortgage payments without doing that which helps.
    That’s interesting....DH applied for a SW business card on 6/26...and the counter on the app says he has until 9/26 to meet the spend...it’s going to be met by August so not an issue...but I wonder what answer would be if I asked via SM
     
  • Ngwira

    DIS Veteran
    Joined
    Jan 14, 2013
    I did all my errands tonight figuring I would get them done during the "cooler" part of the day, especially because tomorrow is supposed to be even hotter!

    Went to Staples and got a $50 Disney GC with the $10 off $40 offer. Fortunately BBB is right next door so I went in there and grabbed a $25 Disney GC with the $5 off $25. Not bad getting 20% off $75 in less than 10 minutes. Easy money!
    I did the same but I had the 500 MR at bbb and 1000 MR at Staples on my bbp. However, I had the $10 off $40 at Staples on my Platinum. So I got $125 in gift cards. All set for Food and Wine booths :-)
     

    havaneselover

    Dreaming about a Disney cruise
    Joined
    Nov 9, 2009
    As @havaneselover said, it is insanely hot and humid here today. Trying to decide if I want to venture out to Staples, BBB, etc to use some of my offers, or if I just want to stay in my house all day and clean up around here. I’m watching a dog hair tumbleweed blow across my floor in the AC, so I probably know my answer.
    Yeah, I’m debating running out but I think I’ll only go out to drop poor dd at the pool and pick her up. She looked so gross when I picked her up last night. Only good thing was not many people came because it was too hot and the pool is hot. Not sure this is worth $7.25/hour!

    ETA: I did do a 7-day free hbo trial to watch season 2 of big little lies so at least I have something to watch:)
     

    hsmamato2

    <font color=magenta>Tink in Training-Good Girl,Bad
    Joined
    Mar 28, 2005
    I noticed a few nights ago when the boards were having all the issues locking people out after posting, that if I reply to comment it takes me to the end of the thread after I post it, instead of keeping me where I was reading. Is this happening for anyone else?
    I thought it was just me lol ETA- still happening...if I post I have to hit the back button to find where I was reading last....a bit annoying I guess
     
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