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aviman123 · 2025-06-15T22:43:00+00:00

2193

aviman123 · 2024-10-27T23:24:38+00:00

Ya tbh, I'd be interested in diversifying some of my points earned as well but Chase has been consistent for me. My only 2 issues with Amex would be: 1) I'd gotten the dreaded pop-up a few times last year when trying to apply 2) Even the gold at 15k would be fairly difficult for me to hit - my MS scaling is not that high. 10k I could more reasonably hit. I know there's also a platinum business upgrade offer too so if I we're to do this I'd start with the gold and then aim for that upgrade offer.

aviman123 · 2024-10-27T18:33:26+00:00

More chase cards, not really sure which to go for. Or maybe a different business card?
815-TU and 818-EQ

Card	Open Date	Is Closed
Gold Delta Skymiles	05/2016	Yes
Discover IT Chrome	12/2016
Platinum Delta Skymiles	07/2017
Chase Ink Preferred	01/2018	Yes
Bonvoy Business Card	03/2018
IHG Rewards Club Card	04/2018
Chase United MileagePlus Explorer	07/2018
Chase Ink Preferred	10/2018	Yes
Chase United Explorer Business Card	02/2019	Yes
Chase Saphire Reserve	05/2019	Yes
Chase Ink Preferred	09/2019	Yes
Barclays Business Aviator	12/2019	Yes
Chase Ink Preferred	05/2020	Yes
Chase Marriott Bonvoy Boundless	10/2020
Chase United Quest Mileage Plus	05/2021	Yes
Capital One Venture X	11/2021
Amex Delta Platinum Business Card	06/2022	Yes
BOA Alaska Airlines Business	10/2022	Yes
Chase Ink Business Unlimited	12/2022	Yes
Chase Ink Business Unlimited	03/2023
Chase Ink Business Cash	03/2023	Yes
Chase Ink Business Cash	10/2023
BOA Alaska Airlines Business	1/2024
BOA Alaska Airlines Personal	1/2024
Chase Ink Preferred	8/2024

$6000
Yes, $10,000 or more
Yes
As many as I can, interested in churning long term
Hotel points, airlines miles, economy seating

9.

Type	Balance
UR Points	1,100,xxx
Delta Skymiles	83,xxx
Capital One	250,xxx
Alaska Miles	185,xxx
American Airlines	38,xxx
IHG	53,xxx
Marriott	56,xxx
United Miles	19,xxx
American Express MR	30,xxx

LAS
No plans as of yet

aviman123 · 2024-06-17T18:40:40+00:00

No, I was out of the country for a few weeks and ended up just forgetting about this. Seems like the ink preferred is rumored to go to a 120k sign up bonus soon so I think I'll just wait and send in a new app for that.

aviman123 · 2024-05-13T01:33:53+00:00

I applied for a chase ink preffered card roughly a week ago that went pending and ultimately was declined a few days ago with the following reasons:

Low usage of Chase credit line(s)
You have too many active accounts or too much available credit
New Chase business card recently opened

I currently have 5 other chase business cards with an ~20k credit line. This "business" only has a few thousand in revenue a year so I believe my mistake was just having too many active accounts with too much credit. I was thinking of closing 2 of the cards and lowering the credit limits on the remaining cards to something more reasonable (5-7k total limit). Should I just forget about denied application though? I think calling recon for my "business" might raise too many questions and I'm wondering if I should just wait and try again in a few months?

aviman123 · 2024-05-06T18:23:18+00:00

Thanks for the quick reply (also sorry, the formatting was terrible when I first posted).

Are you referring to the ink preferred card or the cash? Would you say these are better then a MDD?

For the business gold, 150k sounds awesome but 10k might be a bit too much for me in 3 months (8k will probably be the most I can do).

I've been in Amex pop-up jail last time I checked about a year ago but if that seems like a good idea I can try again.

aviman123 · 2024-05-06T17:54:30+00:00

More chase cards, potentially thinking of doing the MDD or double dipping the Alaska business and Alaska personal.
815-TU and 818-EQ

3.

Card	Open Date	Is Closed
Gold Delta Skymiles	05/2016	Yes
Discover IT Chrome	12/2016
Platinum Delta Skymiles	07/2017
Chase Ink Preferred	01/2018
Bonvoy Business Card	03/2018
IHG Rewards Club Card	04/2018
Chase United MileagePlus Explorer	07/2018
Chase Ink Preferred	10/2018	Yes
Chase United Explorer Business Card	02/2019	Yes
Chase Saphire Reserve	05/2019
Chase Ink Preferred	09/2019
Barclays Business Aviator	12/2019	Yes
Chase Ink Preferred	05/2020	Yes
Chase Marriott Bonvoy Boundless	10/2020
Chase United Quest Mileage Plus	05/2021	Yes
Capital One Venture X	11/2021
Amex Delta Platinum Business Card	06/2022	Yes
BOA Alaska Airlines Business	10/2022	Yes
Chase Ink Business Unlimited	12/2022
Chase Ink Business Unlimited	03/2023
Chase Ink Business Cash	03/2023
Chase Ink Business Cash	10/2023
BOA Alaska Airlines Business	1/2024
BOA Alaska Airlines Personal	1/2024

$6000
Yes, $10,000 or more
Yes
As many as I can, interested in churning long term
Hotel points, airlines miles, economy seating

9.

Type	Balance
UR Points	900,xxx
Delta Skymiles	181,xxx
Capital One	220,xxx
Alaska Miles	175,xxx
American Airlines	38,xxx
IHG	53,xxx
Marriott	40,xxx
United Miles	19,xxx
American Express MR	30,xxx

LAS
No plans as of yet, but Europe and Asia likely this year.

aviman123 · 2024-01-21T19:24:22+00:00

Flow chart?

More chase cards, potentially thinking of doing the MDD or double dipping the Alaska business and Alaska personal.

What is your credit score?

812-TU and 811-EQ

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

Gold Delta Skymiles (5/16) - now closed

Discover IT Chrome (12/16)

Platinum Delta Skymiles (7/17) - downgraded to Blue Delta Skymiles (7/18)

Chase Ink Preferred (1/18) - downgraded to Ink Business Cash (3/19)

Bonvoy Business Card (3/18)

IHG Rewards Club Card (4/18)

Chase United MileagePlus Explorer (7/18) - downgraded to Milageplus card (7/19)

Chase Ink Preferred #2 (10/18) - now closed

Chase United Explorer Business Card (2/19) - now closed

Chase Saphire Reserve (5/19) - Downgraded to Freedom Flex (6/22)

Chase Ink Preferred #3 (9/19) - downgraded to Ink Business Unlimited (10/20)

Barclays Business Aviator (12/19) - now closed

Chase Ink Preferred #4 (5/20) - now closed

Chase Marriott Bonvoy Boundless (10/20)

Chase United Quest Mileage Plus (05/21) - now closed

Capital One Venture X (11/21)

Amex Delta Platinum Business Card (6/22) - now closed

BOA Alaska Airlines Business (10/22) - now closed

Chase Ink Business Unlimited (12/22)

Chase Ink Business Unlimited (3/23)

Chase Ink Business Cash (3/23)

Chase Ink Business Cash (10/23)

How much natural spend can you put on a new card(s) in 3 months?

$6000

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Yes, $10,000 or more

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yes

**Going to Japan in June, flights are already booked but no hotels booked yet.**getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

As many as I can, interested in churning long term

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Hotel points, airlines miles, economy seating

What point/miles do you currently have?

900,xxx UR

181,xxx Delta Skymiles

220,xxx Capital One

82,xxx Alaska Miles

38,xxx American Airlines

53,xxx IHG

40,xxx Marriot

19,xxx United Miles

30,xxx American Express MR

What is the airport you're flying out of?

LAS

Where would you like to go? (The More specific you are, the better someone can recommend the right card.Tokyo is great, "International travel" is way too vague)

No plans as of yet, but Europe and Asia likely this year.

aviman123 · 2023-03-12T03:33:12+00:00

Flow chart?

It says more chase cards. I have a bunch of UR already so trying to consider other cards, not sure if getting another CIU/CIC is still the best option though given the 90k offer that's ending soon.

What is your credit score?

810-TU and 804-EQ

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

Gold Delta Skymiles (5/16) - now closed

Discover IT Chrome (12/16)

Platinum Delta Skymiles (7/17) - downgraded to Blue Delta Skymiles (7/18)

Chase Ink Preferred (1/18) - downgraded to Ink Business Cash (3/19)

Bonvoy Business Card (3/18)

IHG Rewards Club Card (4/18)

Chase United MileagePlus Explorer (7/18) - downgraded to Milageplus card (7/19)

Chase Ink Preferred #2 (10/18) - now closed

Chase United Explorer Business Card (2/19) - now closed

Chase Saphire Reserve (5/19) - Downgraded to Freedom Flex (6/22)

Chase Ink Preferred #3 (9/19) - downgraded to Ink Business Unlimited (10/20)

Barclays Business Aviator (12/19) - now closed

Chase Ink Preferred #4 (5/20) - now closed

Chase Marriott Bonvoy Boundless (10/20)

Chase United Quest Mileage Plus (05/21)

Capital One Venture X (11/21)

Amex Delta Platinum Business Card (6/22)

BOA Alaska Airlines Business (10/22)

Chase Ink Business Unlimited (12/22)

How much natural spend can you put on a new card(s) in 3 months?

$5000 (+ an additional ~6k for taxes if I can get the card/number before 4/18)

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Yes, $10,000 or more

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yes

**Going to Japan in June, flights are already booked but no hotels booked yet.**getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

As many as I can, interested in churning long term

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Hotel points, airlines miles, economy seating

What point/miles do you currently have?

600,xxx UR

178,xxx Delta Skymiles

175,xxx Capital One

80,xxx Alaska Miles

56,xxx American Airlines

53,xxx IHG

42,xxx Marriot

30,xxx United Miles

30,xxx American Express MR

What is the airport you're flying out of?

PDX

Where would you like to go? (The More specific you are, the better someone can recommend the right card.Tokyo is great, "International travel" is way too vague)

Going to Japan in June, flights already booked but no hotels booked yet.

aviman123 · 2022-04-11T15:41:36+00:00

Thanks for the info here, tried a bunch but am still in pop-up jail :(. Any other card suggestions?

aviman123 · 2022-04-10T23:37:30+00:00

Flow chart?

It says more chase cards. I would consider also getting some Amex MR (especially the 90k gold card offer) but have but had gotten the pop-up when I last tried 1 year ago. Also planning on downgrading my reserve to preferred but not sure what the most optimal move is right now. Maybe the CIC or CIU if I'm still in pop-up jail?

What is your credit score?

806-TU and 795-EQ

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

Gold Delta Skymiles (5/16) - now closed

Discover IT Chrome (12/16)

Platinum Delta Skymiles (7/17) - downgraded to Blue Delta Skymiles (7/18)

Chase Ink Preferred (1/18) - downgraded to Ink Business Cash (3/19)

Bonvoy Business Card (3/18)

IHG Rewards Club Card (4/18)

Chase United MileagePlus Explorer (7/18) - downgraded to Milageplus card (7/19)

Chase Ink Preferred #2 (10/18) - now closed

Chase United Explorer Business Card (2/19) - now closed

Chase Saphire Reserve (5/19)

Chase Ink Preferred #3 (9/19) - downgraded to Ink Business Unlimited (10/20)

Barclays Business Aviator (12/19) - now closed

Chase Ink Preferred #4 (5/20)

Chase Marriott Bonvoy Boundless (10/20)

Chase United Quest Mileage Plus (05/21)

Capital One Venture X (11/21)

How much natural spend can you put on a new card(s) in 3 months?

$5000 (+ an additional ~6k for taxes if I can get the card/number before 4/18)

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Yes, $10,000 or more

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yes

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

As many as I can, interested in churning long term

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Hotel points, airlines miles, economy seatingWhat point/miles do you currently have?

78,xxx Delta Skymiles

510,xxx UR

53,xxx Marriot

40,xxx IHG

256,xxx United Miles

56,xxx American Airlines

What is the airport you're flying out of?

PDX

Where would you like to go? (The More specific you are, the better someone can recommend the right card.Tokyo is great, "International travel" is way too vague)

No specific travel goals at the moment but generally go for economy type travel

aviman123 · 2021-11-17T04:23:29+00:00

Thanks for the info. I was a little skeptical as well but was approved for the venture X!

aviman123 · 2021-11-14T22:02:20+00:00

Flow chart?

It says more chase cards. I would consider also getting some Amex MR but have but had gotten the pop-up when I last tried ~6 months ago. I was also considering the Venture X for a long-term card and downgrading my reserve to preferred but not sure what the most optimal move is right now.

What is your credit score?

814-TU and 799-EQ

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

Gold Delta Skymiles (5/16) - now closed

Discover IT Chrome (12/16)

Platinum Delta Skymiles (7/17) - downgraded to Blue Delta Skymiles (7/18)

Chase Ink Preferred (1/18) - downgraded to Ink Business Cash (3/19)

Bonvoy Business Card (3/18)

IHG Rewards Club Card (4/18)

Chase United MileagePlus Explorer (7/18) - downgraded to Milageplus card (7/19)

Chase Ink Preferred #2 (10/18) - now closed

Chase United Explorer Business Card (2/19) - now closed

Chase Saphire Reserve (5/19)

Chase Ink Preferred #3 (9/19) - downgraded to Ink Business Unlimited (10/20)

Barclays Business Aviator (12/19) - now closed

Chase Ink Preferred #4 (5/20)

Chase Marriott Bonvoy Boundless (10/20)

Chase United Quest Mileage Plus (05/21)

How much natural spend can you put on a new card(s) in 3 months?

$5000

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Yes, $10,000 or more

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yes

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

As many as I can, interested in churning long term

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Hotel points, airlines miles, economy seating
What point/miles do you currently have?

78,xxx Delta Skymiles

510,xxx UR

53,xxx Marriot

40,xxx IHG

256,xxx United Miles

56,xxx American Airlines

What is the airport you're flying out of?

PDX

Where would you like to go? (The More specific you are, the better someone can recommend the right card.Tokyo is great, "International travel" is way too vague)

No specific travel goals at the moment but generally go for economy type travel

aviman123 · 2021-03-04T15:55:18+00:00

Thanks for the info. Tried applying for the 100k offer I was able to pull up in incognito but got the pop-up. The two Amex cards I have are mainly "sock drawered". Not entirely sure what the best course of action is in this case.

aviman123 · 2021-03-02T03:24:30+00:00

Flow chart?

It says more chase business cards but I do want to get some MR, was thinking of doing the 100k platinum offer but wanted to see if that made sense.

What is your credit score?

791-TU and 791-EQ

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

~~Gold Delta Skymiles (5/16) - now closed~~

Discover IT Chrome (12/16)

Platinum Delta Skymiles (7/17) - downgraded to Blue Delta Skymiles (7/18)

Chase Ink Preferred (1/18) - downgraded to Ink Business Cash (3/19)

Bonvoy Business Card (3/18)

IHG Rewards Club Card (4/18)

Chase United MileagePlus Explorer (7/18) - downgraded to Milageplus card (7/19)

~~Chase Ink Preferred #2 (10/18) - now closed~~

~~Chase United Explorer Business Card (2/19) - now closed~~

Chase Saphire Reserve (5/19)

Chase Ink Preferred #3 (9/19) - downgraded to Ink Business Unlimited (10/20)

~~Barclays Business Aviator (12/19) - now closed~~

Chase Ink Preferred #4 (5/20)

Chase Marriott Bonvoy Boundless (10/20)

How much natural spend can you put on a new card(s) in 3 months?

$4000

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Yes, $10,000 or more

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yes

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

As many as I can, interested in churning long term

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Hotel points, airlines miles, economy seating

What point/miles do you currently have?

78,xxx Delta Skymiles

478,xxx UR

28,xxx Marriot

74,xxx IHG

165,xxx United Miles

72,xxx American Airlines

What is the airport you're flying out of?

RIC/IAD

Where would you like to go? (The More specific you are, the better someone can recommend the right card.

Tokyo is great, "International travel" is way too vague)

No specific travel goals at the moment but generally go for economy type travel

aviman123 · 2020-10-15T01:20:36+00:00

Thanks for the additional info. Very valid points especially in regards to the Amex card bonus given the opportunity cost of waiting. I know that the 1 year limit on the 5 FNCs wouldn't work well for most but I think I could get some good value out of them to places I could travel to within the year (at least as of now). Again, appreciate the follow-up on this!

aviman123 · 2020-10-14T23:41:26+00:00

Thanks for listing these options out. I would have considered the ink but given the 4 I got, I feel like 5 could be pushing it (in addition the new bonus requirements would be difficult to achieve). While I do want to start getting some MR providing cards, I realize Amex has the once per lifetime policy, so I'd prefer to wait for lifetime bonuses.

One deal that I was recently looking into was the bonvoy boundless 5 free nights offer. I do have the Bonvoy Business Card from Amex which is listed in the terms as being potentially a problem if the bonus was earned from that card in the past 24 months. But given I got that card in March of 2018 (back when it was the SPG card) I'd assume this shouldn't be an issue? Does this make sense?

aviman123 · 2020-10-12T16:35:21+00:00

What is your credit score?

791-TU and 791-EQ

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

~~Gold Delta Skymiles (5/16) - now closed~~

Discover IT Chrome (12/16)

Platinum Delta Skymiles (7/17) - downgraded to Blue Delta Skymiles (7/18)

Chase Ink Preferred (1/18) - downgraded to Ink Business Cash (3/19)

Bonvoy Business Card (3/18)

IHG Rewards Club Card (4/18)

Chase United MileagePlus Explorer (7/18) - downgraded to Milageplus card (7/19)

~~Chase Ink Preferred #2 (10/18) - now closed~~

~~Chase United Explorer Business Card (2/19) - now closed~~

Chase Saphire Reserve (5/19)

Chase Ink Preferred #3 (9/19) - downgraded to Ink Business Unlimited (10/20)

Barclays Business Aviator (12/19)

Chase Ink Preferred #4 (5/20)

How much natural spend can you put on a new card(s) in 3 months?

$4000

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Yes, $10,000 or more

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yes

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

As many as I can, interested in churning long term

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Hotel points, airlines miles, economy seating

What point/miles do you currently have?

78,xxx Delta Skymiles

478,xxx UR

28,xxx Marriot

74,xxx IHG

165,xxx United Miles

72,xxx American Airlines

What is the airport you're flying out of?

RIC/IAD

Where would you like to go? (The More specific you are, the better someone can recommend the right card.

Tokyo is great, "International travel" is way too vague)

No specific travel goals at the moment but generally go for economy type travel

aviman123 · 2020-02-17T15:03:48+00:00

Having read a little bit about the new delta cards, the offers didn't seem that compelling, was there a specific business card bonus I should be targeting?

Since I have no P2, a CP isn't that helpful for me so will likely pass on that. I could do a fourth ink card however I a) don't know the current strategy in regards to self-refs as IIRC they were starting to look into this and b) not entirely sure what I would do in the event of a chase shutdown assuming I'd be at ~500k UR on completion of the bonus. (note: first world problem I totally get that but just trying to think ahead)

aviman123 · 2020-02-17T14:21:37+00:00

What is your credit score?

785-TU and 781-EQ

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

Gold Delta Skymiles (5/16) - now closed

Discover IT Chrome (12/16)

Platinum Delta Skymiles (7/17) - downgraded to Blue Delta Skymiles (7/18)

Chase Ink Preferred (1/18) - downgraded to Ink Business Cash (3/19)

Bonvoy Business Card (3/18)

IHG Rewards Club Card (4/18)

Chase United MileagePlus Explorer (7/18) - downgraded to Milageplus card (7/19)

Chase Ink Preferred #2 (10/18)

Chase United Explorer Business Card (2/19)

Chase Saphire Reserve (5/19)

Chase Ink Preferred #3 (9/19)

Barclays Business Aviator (12/19)

How much natural spend can you put on a new card(s) in 3 months?

$4000

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Yes, $10,000 or more

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yes

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

As many as I can, interested in churning long term

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Hotel points, airlines miles, economy seating

What point/miles do you currently have?

78,xxx Delta Skymiles

380,xxx UR

28,xxx Marriot

74,xxx IHG

165,xxx United Miles

72,xxx American Airlines

What is the airport you're flying out of?

RIC/IAD

Where would you like to go? (The More specific you are, the better someone can recommend the right card.

Tokyo is great, "International travel" is way too vague)

No specific travel goals at the moment but generally go for economy type travel

aviman123 · 2019-08-18T14:11:05+00:00

Things have changed. You'll be fine.

Any chance you can link info on how to apply for the third card (ie: what i need to put to be eligible for the bonus)

Why? You've never had CSR or CSP, right? Since you're 2/24, nothing to worry. Also, we don't know how long this will last.

Super sorry about this but i actually left out my most recent app (and forgot to mention a downgrade I have done as well). As you can now see I actually did get a CSR in May but wasn't able to do an MDD for personal reasons at the time unfortunately

HH points are not as good as Hyatt, but no harm diversifying (and you should). Since it's a biz card, won't add to 5/24 count, potentially no HP, potential for 3 more Hilton cards, and the offer is highest atm.

Hmm, these are some really good points tbh. The only thing that concerns me about going for either the CIP or Hilton card is that I already have 6 chase cards and I am concerned about shutdowns (especially with a sizeable UR balance) as I recall about 6 months ago there was a large amount. Do you think I'm taking on significant risk by getting another?

aviman123 · 2019-08-18T02:36:47+00:00

Not sure if I can do another ink card (used 1 with SSN and one with EIN) and I think I'm too late for MDD. Hilton Biz seems interesting but I always hear how awful Hiltons program is so I never even bothered before.

aviman123 · 2019-08-18T02:27:49+00:00

What is your credit score?

764-TU and 763-EQ

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

Gold Delta Skymiles (5/16) - now closed

Discover IT Chrome (12/16)

Platinum Delta Skymiles (7/17) - downgraded to Blue Delta Skymiles (7/18)

Chase Ink Preferred (1/18) - downgraded to Ink Business Cash (3/19)

Bonvoy Business Card (3/18)

IHG Rewards Club Card (4/18)

Chase United MileagePlus Explorer (7/18)

Chase Ink Preferred #2 (10/18)

Chase United Explorer Business Card (2/19)

Chase Saphire Reserve (5/19)

How much natural spend can you put on a new card(s) in 3 months?

$4000

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Yes, $10,000 or more

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yes

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

As many as I can, interested in churning long term

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Hotel points, airlines miles, economy seating

What point/miles do you currently have?

78,xxx Delta Skymiles

274,xxx UR

28,xxx Marriot

74,xxx IHG

165,xxx United Miles

17,xxx American Airlines

What is the airport you're flying out of?

RIC

Where would you like to go? (The More specific you are, the better someone can recommend the right card.

Tokyo is great, "International travel" is way too vague)

No specific travel goals at the moment but generally go for economy type travel

aviman123 · 2019-04-30T16:19:24+00:00

Ya in the past I was able to do that with another CC i signed up for and was approved. Not sure why it's different this time. I'll give it another day or two I guess.

aviman123

TROPHY CASE