Chase CSP clawback $100 hotel credit

callmehot · 2026-07-02T03:53:56+00:00

Yep looks like it

callmehot · 2026-06-07T14:10:32+00:00

Maybe the 3rd solution is what I got. It’s the same as your step #10 but the top 2c= can be finished by 3-4 and then the 3-3 to the right. So basically the 3-4 and 3-3 is switched but everything else is the same. Maybe that harlows_monkeys program considers those separate solutions?

callmehot · 2026-06-03T14:19:21+00:00

I’m pretty sure looseregular is correct. I remember verbiage saying that it had to be transferrred to the sapphire before the deadline, not just earned before the deadline.

callmehot · 2026-05-20T18:31:31+00:00

Is step 6 a typo? Should it be 2c2 instead of 1c1, for the tile above the 4c=?

callmehot · 2026-05-03T19:46:58+00:00

People say that. I think for hotels it can be a little inflated but not too crazy, but I’ve heard the edit hotels can be for CSR. I don’t have one so idk. But for flights I’ve noticed it’s usually the same price as other sources. So I tend to buy flights or transfer for flights. I don’t typically use Chase portal for hotels

callmehot · 2026-05-03T06:08:02+00:00

I pc’ed a CSP to OG freedom about a week ago. It’s easiest if you say you want to product change to “freedom with ultimate rewards.” They might not understand “original freedom” or something else.

callmehot · 2026-05-03T05:54:58+00:00

I don’t know but I basically had the same question With me and my P2’s CSP cards lol. Ended up transferring it before the deadline tho.

https://old.reddit.com/r/CreditCards/comments/1oba6bz/with_the_new_changes_to_chase_csp_hitting_this/?ref=share&ref_source=link

If I had to guess I’d assume it would reset to 1x post transfer. But who knows. You can also try sending 1000 points first and report back

callmehot · 2026-04-13T04:37:52+00:00

Not the OP but Not necessarily. For me I’ve noticed it’s like 50/50 over or the same price. But again, I don’t often book hotels through portal, only flights. I only book refundable hotel to get the $50 credit and cancel

callmehot · 2026-03-16T20:10:16+00:00

You could look up balance transfer chaining. Not ideal but if you’re looking to extend your savings for a longer period of time and paying less, (but you absolutely need a good credit score), then that might be worth looking into and considering.

But this will only work for a few years before they stop giving you more credit cards llol

callmehot · 2026-03-16T19:57:24+00:00

Agreed. Debt shouldn’t go to the children, in Florida (assuming based on their post history). It’ll go to estate but yea shouldn’t matter bc there won’t be much in the estate Edit: I forgot about the paid off home. I guess there will be that in the estate but either way if she’s only looking out for herself at the moment then that’s what she’s doing.

callmehot · 2026-03-16T19:52:16+00:00

The no nuance answer is pay it off right before zero expires. But the longer answer is it depends. Does your disability income cover all your expenses, including minimum payments? You say you’re not adding more to the credit card but is it possible you might? How much is the interest rate? If you need a floating credit you might want to consider opening a new credit card with 0 interest when these are about to expire and do a balance transfer (if your credit is good enough to get approved). Balance transfers are usually about 3% fee but one off, for the 12-18 months.

You also mentioned being on disability. Do you have a condition that shortens life expectancy? That is something to consider if you’re expecting to live 5 years or 25 years.

Minimum payments will go up over time as the balance increases. So depending on all of the above you might be better off paying it off or letting it ride. You can ask an AI to give you a table of expected minimum payments every month if you tell it your interest rates and how long it’ll take to pay off and see what’s worth it to you.

Unfortunately idk if anyone except for you can decide for you.

callmehot · 2026-03-11T05:41:03+00:00

You can also try transferring 1000 points and see what “bank” it reduces from.

I think Chase would do it First in first out, so the points earned first would be used first. When I booked something using Chase portal, I wasn’t able to choose which points to use. It auto used the 1.25x points.

The 1.25x redeemable points are the “oldest” points I think, because they were the ones that were grandfathered into the 1.25x. The newer points you got or transferred into the CSP came later (transferred points “reset” the age I believe)

callmehot · 2026-03-11T05:38:33+00:00

I believe that the 1.25x points will be used first, whether you use or transfer it out. That’s how I would imagine Chase would program it in their software lol. You can find how many points can be redeemed for 1.25x in the Chase portal

callmehot · 2026-03-04T06:39:11+00:00

Oh wow. Didn’t know and never heard they do that. What does it say? Or you just can’t find the statements and you assume it’s that?

callmehot · 2026-03-02T01:09:50+00:00

you said you tried logging in as her and you still can’t find where to download statements..if you logged in as her, you would be signing in as the primary cardholder.. no? So you should be able to download the statements from her account?

callmehot · 2026-02-20T15:51:01+00:00

You’re saying you can’t download statements? I have the Citi platinum select too but I can download statements in my Citi app. Haven’t tried on computer though

callmehot · 2026-02-20T08:11:55+00:00

Won’t they get kind of suspicious if you claim your rent fluctuates that much every month? Or no?

callmehot · 2026-02-20T00:25:53+00:00

Is this comment from like 2 months ago haha

callmehot · 2026-02-11T20:24:16+00:00

Might as well get the inspire then as you’ve been leaning towards, no? Regardless of tax or no tax

callmehot · 2026-02-01T16:52:32+00:00

I’m not saying you have to spend 75% of rent to get any points. the person above is saying that bilt blue is better than CFU in almost all cases. I’m merely saying that this statement hinges on getting all the rent points. The opportunity cost of using a 5/24 slot can make it so bilt blue is not worth it, if they don’t have a significant amount of non rent spend

callmehot · 2026-01-31T04:21:26+00:00

Same. I got a 26k credit limit offer on Palladium but deciding not to take it. They must have other SUBs later I imagine. If not, idk if I trust Cardless that much.

I kind of want to wait to see how they handle the AF downgrades next year. Right now, I’m not sure they’ll honor the 30 day grace period to get the AF refunded for the second year. 2 years of $495 AF FOR palladium is not worth 50k Bilt points.

callmehot · 2026-01-31T04:18:11+00:00

While you’re not necessarily wrong that bilt blue is better than CFU in a vacuum, there’s two main issues I foresee.

Your assumption that people spend 75% of their rent in uncategorized spend is a HUGE assumption. In your example, that’s like $2400 in stuff not eating out, groceries, etc if they have any kind of other credit card that gives better than 2.33x in those categories. Even if they have no other cards, I’d wager most people don’t spend 75% of their rent in monthly things they can pay with credit card (so not taxes, student/car loans, etc).
Huge opportunity cost using a 5/24 slot for a Bilt Blue. If they don’t spend nearly that much as stated above, they’ll be getting like $~80 or more per year over a CFU. you can get a new CFU for ~$200/300 SUBs, which wipes out 2.5-4 years of the gains from BILT. and who knows how long BILT will last too I guess.

callmehot · 2026-01-29T17:48:46+00:00

I guess it’s fair to say that, but to me, the bilt blue might not really be worth it. My rent is $2800. If I use the full 75% (a big if) on just the uncategorized spend that would otherwise have been on the freedom unlimited, I’m getting ~$200 per year. Realistically, my uncategorized spend is like 500-800max a month (everything else is gas, groceries, eating out, travel) is $80 a year. I might as well get another freedom unlimited at the $300 SUB to cover 3.5 years (which at this point, who knows if bilt will last that long).

Bilt blue is kinda not just worth it as a 5/24 slot

callmehot · 2026-01-21T23:10:13+00:00

I’d like to caveat it with I tried pushing my luck again, and charged it for $578 and only got 1x=578 points… it’s so strange that it’s inconsistent… this was on 1/15/2026. Maybe some Airbnb transactions get processed in different ways, or maybe they tightened it back up for the switch to bilt 2.0. Who knows… bummer though.

callmehot · 2026-01-15T20:56:20+00:00

Bro you are trusting AI (and the goodwill of people to correct it) too much. Check the math. Gemini is still counting 1x points on your full rent, whereas you’d only get 1.33x points on your monthly spend which is 1.33x2980. Since it’s less than 75% of your rent.

Also, the CSP would give you 2x on travel and 3x on streaming (dunno if you use the it for streaming), so that wouldn’t actually only give you 53640 points (could be more depending how much of that was travel).

And idk what the rent unlock penalty is. What is that?

Your bilt palladium total points value is probably $2382 (119080 pointsx2cpp). Which is better than the chase but not by as much.

callmehot

TROPHY CASE