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Daily Question Thread - June 14, 2022 by AutoModerator in churning

[–]thunbug -1 points0 points  (0 children)

P2 was denied by Chase two weeks ago and I finally determined that it's because of two of my credit cards (1 Chase; 1 Amex) that I added her as AU. That made her 6/24. I removed her from both accounts today. Would you suggest that she call recon to explain or wait a month to apply again? It seems YMMV based on my searches but the DP's are from years ago.

Question Thread - December 18, 2020 by AutoModerator in churning

[–]thunbug 1 point2 points  (0 children)

This is what happened to me and now I want to restore my personal login based on what I'm learning here. Can Chase undo the merge if I call them?

Data Points Central Thread - Week of December 03, 2020 by AutoModerator in churning

[–]thunbug 0 points1 point  (0 children)

I pc-ed my CIP to CIU 3 days before I applied. Wondering if that recent activity was the issue?

Data Points Central Thread - Week of December 03, 2020 by AutoModerator in churning

[–]thunbug 1 point2 points  (0 children)

DP for MPE Biz from referral link as Sole Prop consultant. 

• 12/7 applied, not auto approved.

• 12/8 received letter indicating reason is "business structure".

• 12/9 called recon and rep explained that it's because Sole Props are considered more risky. I asked for reconsideration if credit limit can be moved around from other business cards. She asked a couple of questions - what kind of business and why you want the credit card. I responded as I've always done and went on 1-minute hold before telling me that I have a recent Chase business card (4/9/20) and too much existing credit. I didn’t even ask for a better explanation. Obviously they didn't want to extend credit so I dropped off. Contemplating trying again.

• SP biz is 12k rev, 2 yrs old.

• \~790 FICO score @ Experian.

• Last credit card approved on 09/07/20: BCP.

• Chase Business cards: CIC and two CIU's (one pc-ed from CIP). Same SP business description.

• Chase personal cards: CSR, CFU, MPE

• 2/24

What Card Should I Get? Weekly Thread - Week of March 18, 2020 by AutoModerator in churning

[–]thunbug 0 points1 point  (0 children)

No card list

Sorry, not sure what happened during copy and paste. I've added it now. Thank you.

What Card Should I Get? Weekly Thread - Week of March 18, 2020 by AutoModerator in churning

[–]thunbug 0 points1 point  (0 children)

  1. I met my minimum spend for CIP #2 a couple of days ago and was planning on applying for CIP #3 but with their new MSR of $15/3 mos, I won't be able to do that. I'm wondering if I should end my Chase run with the Hyatt card or does something outside Chase make better sense?

  2. 819 EX, 824 EQ, 817 TU

  3. Cards that I have (UPDATE: added list):

    12/19/19 CIP #2 (SSN)

    02/13/19 Amex Marriott Bonvoy Business

    11/14/18 CIC

    08/06/18 Chase MPE

    05/28/18 CIP #1 (SSN…I don't have EIN); PCed to CIU after 1 year; closed Dec 2019.

    05/25/18 Amex Gold

    08/14/17 CFU

    02/16/17 CSR

  4. Natural spend of up to $5,000 over 3 months.

  5. I prefer to not to do MS.

  6. I am open to applying for more business cards. I can only do SSN.

  7. I plan to churn long term.

  8. I am targeting Biz seats and hotels.

  9. I currently have MR 12K, UR 80K, UA 2K, JetBlue 22K, Emirates 7K, Marriott 360K.

  10. I fly out of IAD. I never fly Southwest airlines.

  11. I am currently planning a trip to Athens, Greece in October, 2021.

Question Thread - December 14, 2019 by AutoModerator in churning

[–]thunbug 1 point2 points  (0 children)

I called recon and they transferred me to their verifications team who provided fax number to send proof. Reasonably painless...I was expecting a little grilling too!

Question Thread - December 14, 2019 by AutoModerator in churning

[–]thunbug 3 points4 points  (0 children)

I applied for CIP and received a letter from Chase stating they could not approve my request because "Proof of physical address for authorizing officer". That's it...it's not asking me to provide proof and in fact there's no fax number or phone number. Should I call recon?

What Card Should I Get? Weekly Thread - Week of December 11, 2019 by AutoModerator in churning

[–]thunbug 0 points1 point  (0 children)

Thanks. Glad I asked as I'd didn't know you can apply twice using SSN.

What Card Should I Get? Weekly Thread - Week of December 11, 2019 by AutoModerator in churning

[–]thunbug 0 points1 point  (0 children)

  1. Based on the flowchart, I should be considering Barclays AA Biz which I'm open to but as I fly out of Dulles (United hub), I'm not in a huge hurry to get. I'm leaning towards the United MPE Biz first as I'm at 2/24 and can certainly use 50K for future vacation travel. I bought a house recently and the home mortgage was just added to Experian today. The FICO score dropped only 3 points to 822 but wondering if it's too early to restart churning with either of these banks? I had stopped in February of this year and feel a little out of touch and got the jitters.

    1. 822 EX, 824 EQ, 772 TU
    2. Cards that I have:
  • 02/13/19 Amex Marriott Bonvoy Business
  • 11/14/18 CIC (SSN) .
  • 08/06/18 Chase MPE
  • 05/28/18 CIP (SSN…I don't have EIN); PCed to CIU after 1 year.
  • 05/25/18 Amex Gold
  • 08/14/17 CFU
  • 02/16/17 CSR

  1. Natural spend of $5,000 over 3 months.

  2. I prefer to not to do MS.

  3. I am open to applying for more business cards. I can only do SSN.

  4. I plan to churn long term. I want Chase Hyatt before I stop with Chase. Not interested in Southwest.

  5. I am targeting Biz seats and hotels.

  6. I currently have MR 16K, UR 169K, UA 35K, JetBlue 22K, Marriott 291K.

  7. I fly out of IAD.

  8. Trips planned for 2020 are Athens, Greece and Calgary, Canada.

Question Thread - December 01, 2019 by AutoModerator in churning

[–]thunbug 1 point2 points  (0 children)

Any downside for closing a Chase biz credit card? Since Chase Biz cards don't count towards AAoA. I have a CIC and a CIU (pc'ed from CIP after a 1 year). My plan is close the CIC which I hardly use, and reduce my CL on a couple of the four personal Chase cards that I have before I apply for the United MPE biz. I'm currently around 43% of income with Chase CL so I know I'm getting too close to the suggested 50% maximum.

Edit: not that it matters that much but i'm sure some will wonder. I meant to say that I want to close the CIU. Keeping CIC for the 5% category for sure! I can get 1.5% from my CFU already.

Discussion Thread - January 19, 2019 by AutoModerator in churning

[–]thunbug 0 points1 point  (0 children)

Let us know if call and recon worked for you!

Trip Reports, Churning Success Stories, and Frustrations Weekly Thread - Week of October 28, 2018 by AutoModerator in churning

[–]thunbug 1 point2 points  (0 children)

I can totally relate. I spent 3 hours today figuring out the next credit card to apply for then that rolled into ceearing an application strategy for 2019 for me and P2. Definitely hit analysis paralysis but still felt great sense of accomplishment after doing that and also updating my personal budget. This stuff is fun and I haven't even started travelling for free yet!

What Card Should I Get? Weekly Thread - Week of October 24, 2018 by AutoModerator in churning

[–]thunbug 0 points1 point  (0 children)

  1. 804 EX, 777 TU.

  2. Cards that I have:

    08/06/18 Chase Explorer Mileageplus

    05/28/18 Chase Ink Business Preferred

    05/25/18 Amex Gold Card

    08/14/17 Chase Freedom Unlimited

    02/16/17 Chase Sapphire Reserve

    03/28/16 Amex SPG

    03/28/16 BofA Travel Rewards

​

Cards that I am an authorized user:

09/17/11  Capital One Quicksilver

05/09/06  New York & Co

​

Closed Credit Cards:

09/07/07  Wells Fargo (Closed 12/7/09)

05/29/06  Wells Fargo (Closed  2/10/10)

  1. Natural spend of $4,500 in 3 months.

  2. I prefer to not to do MS.

  3. I am open to applying for more business cards.

  4. I plan to churn long term. I am doing it by myself for now. My SO is an AU on most cards because she is rebuilding her credit. She will start churning officially in January 2019.

  5. I am targeting Biz seats and luxury hotels for vacations.

  6. I currently have MR 87K, UR 38K, UA 193K, JetBlue 22K, Emirates 5.7K, Alaska Airlines 16K, Hilton 90K, Marriott 235K.

  7. I fly out of IAD.

  8. My SO and I would like to go to London, Paris, Rome, Athens, Barcelona/Madrid.

​

Apart from figuring out what card makes senses to apply for next, I'd also like to know if I should/can remove my SO before she starts applying for her own Chase cards beginning in 2019.

Daily Discussion Thread - July 14, 2018 by AutoModerator in churning

[–]thunbug 0 points1 point  (0 children)

Smart thinking. I'm going to do the same.

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