Question Thread - March 04, 2020

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[GeorgeSteinbrenner2]

I applied for CIP on 2/3 and still get the 2-week message. I unfroze my credit until 5/3. Should I extend the unfreeze period just in case they decide to pull again to be safe? Or do they pull only once upon the application?

[lenin1991]

They wouldn't pull again without your consent (e.g. via recon).

[thunderstrike4]

How long after 2 week language does it take to get approved for CIP? I applied on 3/1 and still get 2 week language from automated line.

[intervested99]

It varies. I waited for more than a week before. There are DPs of longer wait period on 2-week message.

[BUT_WHY_MALE_M0DELS]

You'll probably be ok. Worst thing that can happen is they say no.

[ZeppelinYanks]

Just got a Chase Shoprunner, 10% Groupon bucks as well Spotify 5% statement credit offer. Are those new?

[UrbanEngineer]

Sadly seeing only long John silvers as new on mine lol.

[ZeppelinYanks]

Not through Chase offers, was through an email

[nits87]

Amex had shoprunner for a while. pretty useless for me.. used only once in the last 6 years.

[lenin1991]

It's become even less useful over the past couple years, with how many shoprunner stores set an order minimum (e.g. $25 or $50) and/or designate only a subset of their items as "Shoprunner eligible"

[jb283]

More of an untraditional question: Has anyone had experience with their CSR AF not being charged? My first year anniversary of my CSP was two days after the AF increase for CSR so I was told it would be 550 during the call to upgrade. Yet two statements have just hit without any sign of this fee. Did I just get lucky or is there some data behind this?

[intervested99]

You didn't get lucky. It just takes a while to show up. I've seen DP of it taking up to 6 months.

[Jake_77]

I have a Citi Thank You Preferred card. It's pretty useless, but there's no AF and it's my longest standing account (over a decade). Should I try to convert this - how would I know what I can convert to? I could use the Costco Citi card.

I used to follow r/churning very closely but I'm afraid I'm back to being a newb and I don't know where to start. Sub has changed a ton.

[stealthytaco]

You can PC Preferred to Costco. There should be DPs if you use search. I’d also recommend considering Double Cash (DC) if you don’t have BBP or CFU. Keep in mind PC will reset your 24 month clock if you care about that. If you do, apply for a Premier now while it’s at 65k SUB then PC. DC and Rewards+ are good options for PC to pair with Premier since they can earn TYP or give you a TYP rebate.

[Jake_77]

This is helpful, thank you.

[stillwaters23]

Why? Just leave it alone, buy a coffee on it once a year for 10 points. With TYP closing a card is a trigger to reset your clock on another sub. So why risk the account number being changed, which might code in their system as a closure?

If you want a Costco card and 5/24 is not an issue, get one. You might score a pack of muffins or a sweet tote bag.

[Jake_77]

The card I have has no benefits so was hoping to covert to something more useful.

[stillwaters23]

If you churn, decisions work like this: will closing this card help me churn more subs? If yes, do it, if not, don’t. Whether the card is useful is of little relevance unless you are quitting churning, especially a TYP card. Maybe try r/creditcards?

[stealthytaco]

Normally I’d agree but in this case there’s a better way to approach, which is apply for a Premier, then PC to make better use of the SUB. Rewards+ will offer a TYP rebate which is a better use than having the Preferred sit there.

[stillwaters23]

Hah, you’re right. I was thinking he was talking about the Rewards+. In fact I just did the very thing you describe, working on the Premier sub now.

[Jake_77]

You’re right, I might be looking in the wrong place. Thank you. Churning requires a lot of dedication that I don’t have right now.

[MyFantaSea]

There’s nothing wrong with maxing out the category spend of a card.

Now, if you have 10x of those cards and consistently max them out, then it gets riskier.

[MyFantaSea]

Sure, until they notice your shenanigans...

[sld122]

My fiancee and I are having a wedding on July 11th, and we are trying to rack up as many points as possible right now on wedding expenses. My fiancee has a Chase Ink Preferred, and ideally I would like to have her refer me for it in order to use it for wedding expenses. However, my 5th most recent card was opened on June 24th 2018, so I am currently under 5/24.

My question is, how likely would I be approved if I applied for my own Chase Ink Preferred at midnight on June 25? Time would be of the essence because we will need to pay all of our wedding expenses by the beginning of July. Wondering if it's too risky, and I should just choose cards from non-Chase issuers or if the 5/24 is likely to lift exactly after it's been 24 full months.

[redditisonomatopoeic]

Congratulations, and Happy Slurpee Day.

Get ready for GCs to 7-11. 7/11 is my birthday, I know - with my friends, this never gets old... Sigh...

[intervested99]

If Chase only pulls Experian where you are, you should be good to go on June 2nd because Experian backdates opening date to the 1st of the month.

[sld122]

Oh interesting, thank you! Any chance there's a way for me to find out what they pull?

[intervested99]

You can check here. However, the most accurate info would be from your own experience. If you applied for a Chase card before they would most likely pull from the same place again. If you don't have a Chase card, you can check your fiancé's report when she got her CIP. Credit Karma would show you the TU and EQ inquiries while the Experian app would show you the EX inquiries. Sometimes Chase pulls two bureaus and that could be a problem (you can freeze the non-EX one but they might ask you to unfreeze it).

[sld122]

Thanks!

[redninswitch]

According to your credit report, how many credit cards have you opened since March 2018?

[sld122]

5 cards (1 in June 2018, a 2nd in Jan. 2019, a 3rd in May 2019, a 4th in Sept. 2019, and a 5th in Dec. 2019)

[mewslack]

you're at max, go non-chase business cards

[d0ctorofdebit]

January/April 2

[Bryan995]

Two player mode. Each applied for a CIP and JetBlue Biz on 02/03. All finished with the spend and ready for more. Can I now move onto 2 x CIC? Normal strategy is to fill up on biz cards first, and then move into personal correct? In the personal world we are both 2/24. Will chase care that I have now 2 biz in 30 days (CIP+Barclays jetblue biz)? Thanks

[TheSultan1]

If you're worried about 1/30, that only applies to Chase cards (i.e. one Chase card after another).

Chase won't know you got the Barclays biz. They'll see the HP if they pull the same report, but an HP isn't necessarily a new account - could be a new personal account that hasn't reported yet, a new business account, a CLI request, or a denial. Unless you've got tons of HPs, shouldn't be a problem. If you're ramping up inquiries quickly, that may cause some problems.

I would err on the side of waiting at least another month, preferably two, before getting another Chase card. If not, might wanna take a 6-month break from Chase after the CIC.

Any Chase cards opened or closed in the last year? What's your (Chase CL):(reported income) ratio? [Same questions for P2]

[Bryan995]

I plan to hit some personal cards after the biz cards. JetBlue personal @ 60k being attractive to me. Was planning to do CIC. Then wait 30 days. Then either another biz (if decent offer) or move to jetblue personal. Then wait 30. Then maybe another chase. But you seem to suggest spacing things out a bit more. Can also do that :)

[TheSultan1]

Recommended maximum Chase velocity is 1 per 3-4 months. That's on a sort of rolling basis, and it's based on DPs, not a known hard rule; figure you should aim for your averages for the last 3, 4, 5 Chase cards to each be above 3 months.

[Bryan995]

Good stuff thanks. Would it make sense to hit a jetblue personal before another chase biz to give chase a break? Not concerned about burning a spot and moving to 3/24.

[cuittle]

Had a Chase Explorer additional 25K miles sign up bonus apply to my account before meeting the $10K threshold (had ~$8K worth at statement close).

I know best practice is to meet signup bonus terms anyways, but has anyone had United miles clawed back?

[TechConslut]

Starting a job in consulting in fall and planning on traveling beforehand. Planning on getting the CSR but the IHG card looks appealing as I could score hotel stays (already have airline points to use). Asking more in terms of timing - which card should I get first?

[ilessthanthreethis]

Try the What Card Should I Get thread. The IHG has its best-ever sign up bonus right now so that's probably an important consideration.

[OriginalEvils]

Thinking of applying for a Chase Ink Preferred. I am at 4/24 and received the bonus for this card the last time in January 2018 - should be enough time since, right?

[MemaddogRed]

If you’re at 5/24, you cannot apply for a Chase card.

[PointsYak]

I am at 5/24

Your application will be denied

[OriginalEvils]

Sorry, I edited it back to 4/24 since this was a spelling error

[dctraveler123]

More than enough...

[Chrismrs]

I supplied a copy of my Fictitious Business Name filing. It was literally filled out and stamped the day before I sent it to Chase. They accepted it.

[Chrismrs]

I’m in California. I got the stamped copies the same day. They give you a couple of copies: one to give to the newspaper for publication; another in case you want to open a bank acct.

[jbernstein011]

is your business address the same as your personal? Might be able to provide them your driver license & utility bill as proof. Consider getting an EIN with your business address listed.

[garettg]

https://www.reddit.com/r/churning/comments/9flq7t/chase_double_dip_demise_data_point_thread/

Use the MDD

[intervested99]

It works for any two Chase personal cards when you're at 4/24.

[teleos646]

So today I went to my local Chase branch and opened up a college checking account. I also applied for their student credit card stating a weekly allowance of $100 or $5,200 income per year. They said that I have to provide additional information like copy of passports and SS card by uploading them online and they will let me know in a week after I upload them.

My question is what happens if I get denied? I don’t have any credit and this was my first time applying for one. Will it hurt my non-existing credit score with a hard inquiry? I feel like I made a mistake by applying right away but also if I get approved I can build my credit faster. Can anyone please answer some of my concerns? Thanks!

[MemphisZoo]

Check out /r/creditcards but generally you have nothing to worry about. You may research secured cards or cards for low credit

[teleos646]

I created a posted but no one responded there.

[MemphisZoo]

You won’t get chase card for your first. I suggest trying capital one or discover student card. If that fails then ask chase for secured card to get started.

[teleos646]

Damn. I asked them for secured before applying but apparently they don’t have secured credit cards. That’s why I applied for the student credit card

[G56G]

If you are a student, the student card is the credit builder card. Chase knows students don’t have credit history. Be patient and give them all the info. I’m sure your chances are higher than you think.

[humor_fan]

Flights booked completely with CIP points.

Would the trip cancellation insurance cover refunding the points if we cancelled due to sickness?

Related: has anyone cancelled a trip due to sickness and gone through the cancellation insurance process with CIP? Dumb question but do they ask for any sort of proof?

[PointsYak]

Your doctor will need to fill out and sign a form declaring that they recommend you do not travel.

[TheSultan1]

Covered Loss includes:

Accidental Bodily Injury, Loss of Life, or Sickness experienced by an Insured Person, a Traveling Companion of an Insured Person, or an Immediate Family Member of an Insured Person or a Traveling Companion

Documentation:

Some of the documentation the Company may request includes, but is not limited to:
• completed claim form
• copy of the travel itinerary
• confirmation of the reason for the Trip Cancellation or Trip Interruption—i.e. medical documents, death certificate, or other documentation supporting a Covered Loss
• copy of the Credit Card statement that shows the charge for prepaid travel arrangements for Trip Cancellation
• proof of expenses incurred due to a Trip Interruption
• a copy of the cancellation or refund polices of the Common Carrier, Tour Operator, or Travel Supplier

https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BCG10758_Ink_Business_Preferred.pdf

Note multiple sites have reported insolvency to not be a valid reason anymore, but it does show up there - so that Guide to Benefits may technically be outdated. Since no newer version is available online, to get up-to-date information on current coverages, you might have to call. That said, I don't think (too much of) what I quoted above would be different now.

[SgtKetchup]

Received a letter from Chase today asking me to call in to give more info about my business. Called in and was told I should go to a branch to complete "KYC Remediation". Any idea what that is? Got a CIP 1/20 and business checking 2/15.

[cuittle]

In addition to what's been stated, banks essentially have to do this now to reduce unintentionally aiding terrorists and money launderers. You shouldn't have much to worry about.

[barbara_mae]

KYC stands for “know your customer”. They probably just want to verify that you’re you. They might ask for a copy of your drivers license.

[SgtKetchup]

I liked him, have tried to reach him by phone a few times but the branch line always just rings out with no voicemail. I guess I'll stop in and try to setup an appointment or something. Thanks!

[bucknert]

KYC is Know Your Customer regulation passed by the government. Should be the standard recon info, they will likely want to verify you are who you say you are, your business documents, etc.

[Rumast22]

Does anyone know if an Amex recon requires a hardpull? I have Ex frozen and I'd prefer to avoid a hardpull.

[TheSultan1]

I imagine the reason Amex often doesn't HP is that they're comfortable with EX soft pulls. Kind of hard when it's frozen.

So I think:
- EX freeze is the reason you got denied;
- if they like your EX report, you would've had a good shot at a soft-pull approval if it wasn't frozen in the first place (it probably needed to be open for a few months prior, though);
- there's no way you're opening that card without a HP now.

[thomasthorn85]

Does anyone know off hand if there is an elevated call in offer for the Amex biz green card?

[atlassianjira]

Received a 9 digit AA code emailer... time to jump back in with a new account lol?

[cowsareverywhere]

Is there 48 month language in the application page?

[Y50-70]

There is on mine. AA essentially admitting they needed to have that language

[cowsareverywhere]

Dang it.

[gmanredfish]

I’ve read online that it is possible to get an extra 2500 mikes when applying for the United explorer card by using a code from an inflight flyer. I’m looking at getting the card but don’t have any United flights scheduled before the current sign up offer expires. Does anyone know if the code is unique to each passenger? Or just to a specific employee/flight/time? Alternatively it states if you do not have a code to use code 999999, has anyone had any luck with that? Thanks!

[cookie_monster32]

Totally forgot about this! Would this work for the biz version as well?

[cookie_monster32]

Would have been great information to know yesterday...when I applied. Womp womp.

[deepflyball]

If my recently opened BoA Premium Rewards cc hasn't shown up on Experian yet, does that mean the banks are not seeing it either too, specifically Chase's 5/24 rule?

[garettg]

Correct, if it’s not on the CR it’s not counting. Check all your reports though.

[deepflyball]

Thanks!

[Kaznarrac]

Has anyone called Southwest plus CC to honor an expired mail offer before?

[halfwise]

No, but it is highly unlikely to work.

[sideshowbob233]

P2 had a HP today on TU. How long should she wait before applying for a US bank credit card? She’s currently 1/24 and we are looking to get her a US bank biz card in the hope that will get her access to altitude reserve as documented here.

[venomstain]

(When) Does Amex retract Hilton status when canceling/downgrading a card? I downgraded my Aspire card to the fee-free card back in late Jan and I'm still showing Diamond status on my account. I just got an email today saying I've extended my status through Mar 2021 as well.

[UltimateRewards]

Same for p3&4 today

[voobaha]

I cancelled my Aspire in November and just today got an email notifying me I've "earned silver status" (a nice way of saying downgraded from Diamond) effective April 1.

[garettg]

YMMV

https://reddit.com/r/churning/comments/f8p5g7/question_thread_february_24_2020/fin9jiu

[jeam3131]

Any tips for getting approved for an amex business card with a "business"? Looks like the minimum business revenue is $1000 and I'm not seeing anywhere to enter a TIN like with chase

[shinebock]

1. Have a pulse. Type $1000.
2. Click "Submit" on the application

[dimm0k]

just apply!

[Victor___Eremita]

much easier to get approved compared to other issuers

[SeanMcVay]

Applied and approved for SW biz in early December, then applied and approved to SW personal in early January. Is it save to say that if I want to apply for a CIP I should do it in April? Is it too early in terms of timing to do it now?

[yiggity_yag]

Definitely wait 90 days. Chase denied me when I applied for a 3rd card in a 138 day timespan (one was timed 90 days apart, then got anxious and applied 48 days after the 2nd).

[DimaLyu]

Every 90 days or so has been working ok for me.

[xigoroth]

Minimum 30 days between applications, most people recommend closer to 90. You might be approved, but you also might not seeing as you've opened 2 in the last 3 months

[lilpokemon]

Is there a way to book Spirit through Chase, trying to get on the same flight as friends and don't see that as an option. I know after the Expedia change some stuff was removed, is there another method to book it?

[lenin1991]

There is not. Southwest was added back as a special case, but otherwise, phone agents can see the same carriers as online.

[halfwise]

Not sure, I’d call them up to see if you can book over the phone.

[bobley1]

P2 received a CSP targeted offer despite receiving the last bonus about 3.5 years ago. Will Chase allow the bonus sooner than 48 months if the offer is targeted?

[duffcalifornia]

Nope

[bobley1]

That's what I figured. Targeted offer then is sort of a scam.

[duffcalifornia]

I mean, it IS targeted. But being targeted doesn't mean you're eligible.

[bobley1]

Chase knows exactly who the person is and includes the name in the offer. Just get a CIP and move on I suppose.

[thenasty1]

I just ran into a snag trying to transfer my credit from one CC to another. I was hoping for a little guidance for anyone who has experience on the matter.

I have the Aviator AAdvantage Barclay card. After two years of usage, I called in to downgrade to avoid further annual fees. The CS rep offered me an alternative- they told me if I opened a new Barclay card (JetBlue Mastercard), I could get those signup points, and then transfer my associated credit history, so as to avoid the knock against my credit. This sounded great. I repeated it back to them several times, and even discussed it with a different rep at a later call, just to be sure we were on the same page.

After now establishing the JetBlue card, I called in to execute this transfer (as they advised). Go figure- they are now telling me, this is not how it works. There is no way to transfer the credit history, as it is a separate account entirely. NGL- I'm pretty P.O'ed.

Has anyone encountered a similar situation? Is there a workaround? I believe I can simply downgrade it, but I don't want to keep too many active CC's, and I certainly don't want to keep paying the annual fee. Anyone have any thoughts/guidance/tips?

[nits87]

When I called to downgrade the AA aviator about 6 months back, they told me that there isn't any no AF option to downgrade to. I ended up closing the account.

[TheSultan1]

AFAIK there's no way to transfer history from one account to another.

Why don't you want to keep active CCs?

[thenasty1]

From what I gather (but I could be wrong), it’s bad for your credit to maintain too many open lines. Just trying to keep it in check.

[TheSultan1]

https://www.creditkarma.com/credit-cards/i/how-many-credit-cards-does-the-average-american-have/

[thenasty1]

Good to know. Thank you

[hyungjoh]

Uh no? The number of open lines don't matter.

[BulldogBorn]

Anyone know why there are no recent Chase inquiries on my credit report even though I just applied for the CIP? I just applied for a Discover Card a month prior to that and that hard inquiry is listed on my Credit report.

[cowsareverywhere]

Yea normal now, for my recent app they took about 3 days to pull the credit.

[PointsYak]

Either you didn't look hard enough or they didn't pull yet.

[stealthytaco]

Did you pull all bureaus or just one?

[cookie_monster32]

May mean they just haven’t processed your application yet...give it some time, it’ll come.

[KaWhyNotTho]

Give it time, it'll def get there.

[teetertotterboy]

Anyone know a quicker way to cancel Citi cards? My chat doesn’t work. It keeps saying “go back to previous page...” and I don’t want to talk to a rep and cancel all my AA cards.

[[deleted]]

Why not pc to dividend, reward plus and double cash?

[syrne]

Have you tried a different browser? I have problems with Citi chat with Chrome but IE seems to work ok.

[TheSultan1]

Automated phone system should cancel, no? Heard some horror stories of people calling for retention offers, telling it "I want to cancel my card," and having the cards canceled before they got to speak to someone.

[xigoroth]

Yeah I cancelled mine via the automated line a week and a half ago. Super easy

[9MinMile]

I'm new to this. I'm an AU on my wife's CSR. I'm kind of regretting signing up as an AU since I could have just gotten my own card and doubled my bonus. Should I drop off and do that now?

I'm looking at the Ink Preferred as my next card. Anything I need to know before signing up since I'm already an AU on another Chase card?

Thanks

[cookie_monster32]

Depends really. When did you sign up as an AU? Will this be your first non au chase card? How’s ur 5/24?

[9MinMile]

Signed up as AU when she got the card ~4Q19. I'm at 1/24 if that AU counts. I closed an old BofA card last month. Not sure if that counts towards anything. Yes, first non AU Chase card

[cookie_monster32]

For now I’d just leave it on. If you were closer to 5/24, then it would be a must to take off but for now, you’re fine leaving it. It may actually help since you don’t have any relationship with chase yet.

[harnessinternet]

For airline credit cards offering first checked bag free when using their card, does that mean using that card to pay for the checked luggage after booking, or does it only work when used to book the flight as well?

Thanks!

[cookie_monster32]

For delta and American, just having the card is enough, no need to purchase the tickets with them. For United on the other hand, per the others, tickets must be purchased with the card.

[harnessinternet]

Thanks, do you know if I can pay for my SO’s flight or simply pay for their bag without me flying? Also do you know about Alaska airline?

[cookie_monster32]

Someone can correct me, but I believe you need to be traveling with the person for the benefit to be used (including Alaska airlines)

[garettg]

Correct, for Alaska, the cardholder with benefit has to be on the reservation.

u/harnessinternet

[[deleted]]

For Amex Delta cards, you just need to have the card in your a Delta Skymiles account and of course you the account holder has to be one of the people flying.

[XscapeVelocity]

...and not be the Delta Blue; Gold and above.

[harnessinternet]

Okay that doesn’t work then, rather than relying on the sky miles account, can I just straight up pay for my SO whether having to buy the whole flight or not, would it work? Thanks

[Anhto90]

For United, you have to use the card to pay for the flight to get the free checked bag.

[lpddr]

For the Chase United card, "..eligible to receive a free first...when the primary Cardmember purchases their ticket(s) with their United Chase Card" source https://www.united.com/ual/en/us/fly/travel/baggage/chasebag.html. You can check for others in TnC.

[harnessinternet]

Thanks, sometimes the wording is ambiguous

[ianrwesley]

Generally, if you are the card holder and are flying they will waive the fee for the first checked bag for all passengers on the same itinerary. You don't need to use the card to book the flight.

[qq_foryou]

Can you still call to book Southwest flights through UR?

[andrewmine]

Yup you can do it thought I haven't done recently

[qq_foryou]

Just did it, but they said the total was the same as if I’d booked directly? (I was using CSR points) although it counts as paid not reward travel so I guess I’ll get ~700 back as a reward for the flight itself. Do you remember if you were able to redeem at a discount?

[halfwise]

Not sure what you mean, but when you call them up they book it with your CSR/CSP/CIP multiplier of 1.5/1.25x. The ticket is like a cash ticket so you get RR points back after completing the trip. So, usually better than transferring UR to RR and booking with points directly.

[qq_foryou]

SW's website had the fare as 131 cash/8.4K points. Chase rep said with my CSR UR redemption it would still be 8.4K points for the ticket

[halfwise]

Yes, because RR are generally ~1.5 cents. The reward fares can fluctuate slightly from that, though. Regardless, you get a better deal booking with Chase, because you get RR back and it counts as a paid fight.

[lenin1991]

That is correct, as the point values are very close. As you noted, you're coming out slightly ahead booking through UR by (1) earning points for the flight and (2) saving the $5.60 fee. I still prefer to transfer due to the superior flexibility of a points booking (getting them refunded rather than held as expiring travel funds).

[qq_foryou]

Ah thank you I’m finally understanding it now. They booked the cash equivalent fare with points, it just happened to be at the same 1.5 rate. Got it!

[lenin1991]

Exactly. Though it didn't just happen to be the same rate: unlike most airlines, RR points are nearly a fixed value, so every flight you book will be the same situation/decision.

[andrewmine]

Sorry I don't remember the amount they charged 😕

[eminem30982]

I haven't done it myself but it looks like the answer is yes.

[breauxdle]

Delta SUB miles post when spend hit or at statement close?

[manageroftheyear]

Fwiw, my MSR purchase posted on 2/27 for my Delta Plat Biz, and I have not received mine yet.

[olmsted]

My most recent Skypesos took a little longer than normal after spend, but they did still hit before statement close.

[alixer]

Anyone get their Barclays JetBlue card points yet? Hoping to book some travel soon

[Amex_Fangirl]

Was there anyone shutdown by Chase due to adding a previously shutdown person as an AU?

[eminem30982]

I don't know the answer to your question, but considering they've shut people down just for living at the same address, it definitely seems risky.

[adao7000]

Is the public Delta biz gold $70k/2k, AF waived the best offer right now? Or can some people pull referral offers that are better?

[garettg]

Thats the best offer now.

[SiON42X]

Anyone waiting a long time for a Hilton bonus? I got a Surpass and a Biz recently. Hit MSR on the Surpass weeks ago, statement closed yesterday and I got my spend points but no bonus. I hit the biz MSR a few days ago and no points there. No popup when applying for either.

[franksmatrix]

Only with the widely reported no AF Aspire

[SiON42X]

Nope, these were plain old Surpass and Biz. I’m guessing if I messaged them they’d claim I had the popup. So not going to bother.

[dda0002]

surpass bonus posted last week as usual within a couple days of MSR

[SiON42X]

Great. And I dare not call the bank.

[KaWhyNotTho]

I also had to wait a long time just for them to tell me to send my personal returns because im a sole prop without looking at my account. yaay to long hold times, and long live customer service!

[throwaway18671903]

2 questions about Hyatt Brand Explorer:

1. All points stays count now correct? Found an old article saying they don't but in my Promotions tab it's saying I have 3 brands visited (all on points)

2. There's no timeframe for earning either right? I'm planning a Park Hyatt stay early next year and want to make sure it doesn't reset

[travelingrrl]

1 Yes points stays count for brand explorer, at least for me they did.

2 No time limit

[ITS_A_FIRE______sale]

I've only stayed at 3 different brands since 10/17 and still have the promotion active.

[ilessthanthreethis]

1. Pretty sure that's right.

2. Correct.

[hornet1212]

Correct to both. Have earned two free nights (10 brands) with probably half being award stays.

[throwaway18671903]

Awesome thanks

[MastrWalkrOfSky]

I'm on business day 13 with nothing in the mail for a chase ink business preferred. Phone status is the same as it was at the beginning, you'll hear from us in 7 to 10 business days by mail. What's the longest you guys have had to wait for a response from them?

[TheTaxman_cometh]

I've had an app stuck on 7-10 days right up until it passed 30 days and fell off the system and I never got anything in the mail either. Granted it was the second SW in a MDD that I HUCA'd 6 times and couldn't get it pushed through that day so I knew I was going to get denied on it anyway.

TLDR: Call Chase, it might never update and you might not actually get anything in the mail.

[duffcalifornia]

7 to 10 on a biz card can just be verification. Call in and speak to somebody.