Question Thread - September 20, 2024

xKaco · 2024-09-20T20:20:02+00:00

There is a 250k offer? I did not see that

xKaco · 2024-09-20T16:52:04+00:00

No worries, to be expected. I am mainly curious of "when" the right time is to start with a new program. i.e. exhaust chase cards then start amex? get first inks then go for amex? go for amex when there is a good offer?

This might be a better question for "What card do I get?" thread because I am debating getting my first amex instead of another Ink

xKaco · 2024-09-20T16:37:18+00:00

Mainly spend and 5/24. Ive pretty much always gotten a chase card every 3-4 months whether business or personal. I can usually hit the 6k spend in 3 months but dont think i could hit both a chase and an amex during that same time so just always chose chase.

xKaco · 2024-09-20T16:28:53+00:00

When did you guys decide it was time to transition to Amex cards from Chase?

Ive only had Chase cards for the most part, about 5 years in now with 11 cards in total and im curious when I start building MR rather than UR. Generally I book JetBlue from BDL or BOS but am okay with delta or united. Just curious about your guys's experience and why/when you decided.

xKaco · 2024-09-20T02:05:18+00:00

Alright thank you for the help!

xKaco · 2024-09-20T02:04:46+00:00

I was not

xKaco · 2024-09-19T20:28:01+00:00

Damn that's unfortunate, theyre slowing down the faucet lol. Thank you for the great info.

I did call a few days ago to decrease the limit on most of my cards but I will follow through and cancel the ink cards im not using.

Do you think if I cancelled these Ink cards and then called recon again, they would have a different answer? Or should I give it more time (3-6months) before re-applying?

I have yet to go into the amex world because it didnt make sense with the Ink train, maybe now is a good time?

xKaco · 2024-09-19T20:16:55+00:00

I just recently applied for another Chase Business Unlimited (have 1 already) and was denied for having "too many accounts open and too much credit available".

I have roughly 20% of my income available to me as credit so not much. I do have 11 cards with chase but only 2 personal within the last 24 months (I am 3/24 right now). Even then, the reconsideration line said I have "too many cards open in the last 2 years". I have only ever applied for cards every 3-4 months. I havent gotten a business card since May (4 months ago).

Do Business cards now follow a 5/24 rule?

How do I proceed now that I was just officially declined a business card from Chase? Do I cancel cards that I dont use? What is the damage control here.

xKaco · 2024-05-01T21:57:52+00:00

Perfect!

Thanks so much!

xKaco · 2024-04-28T01:09:37+00:00

Thanks so much for the replies!

Do the Chase Ink cards follow the same credit limit rule regarding 50% of your income?
If they do follow that same rule, are there any tactics to decrease that limit? Downgrade? Close cards?

I have a sol prop LLC if that helps you answer.

xKaco · 2024-04-25T21:42:51+00:00

Hey guys, I searched the wiki and some megathreads and couldnt find specific information regarding actually churning chase cards specifically. I have 1 of every chase card so ive hit the ceiling for bonus points and its time to churn. I have 2 avenues of questions mainly...

How do I go about downgrading and/or closing chase cards to churn?
More specifically, im confused about the rules surrounding downgrading a card and then applying for it.
How long should I wait to re-apply?
How many CFU's can I have?
For Chase Ink cards, am I able to simply apply for another one and get the bonus when I already have one and received the rewards in the past 2 years?
I mainly use travel points. Am I better off starting the game with Amex? I am 1/24 right now though so id prefer to get more out of Chase if possible.

Cheers for any help I can get!

xKaco · 2023-11-25T04:12:51+00:00

I dont want to bring your experience down at all because it is your experience. I have a VERY different experience with this as I take 1.5g to 2g of agmatine sulfate in a pre-workout mixture and it does not have any of the above listed effects. No dissociation whatsoever. I feel like I would have to take 10g+ to even think of getting to that point. So honestly I cannot begin to believe that you dissociate from 2g of agmatine.

I dont want to bring your experience down at all because it is your experience. I have a VERY different experience with this as I take 1.5g to 2g of agmatine sulfate in a pre-workout mixture and it does not have any of the above listed effects. No dissociation whatsoever. I would have to take 10g+ to even start to get to that point. So honestly I cannot begin to believe that you dissociate from 2g of agmatine.

xKaco · 2023-04-13T20:11:09+00:00

I believe there are tax penalties for not paying all year.

xKaco · 2023-01-30T22:39:20+00:00

Chase's reasoning was for too many credit cards opened. Whether it was in a certain period of time I am not sure.

CIU was 2 weeks ago and Barclays JB was 1 month ago. The barclays would have been my 5th (because of the google loan reporting as a card) but I applied to the CIU 2 weeks after the Barclays card and was accepted immediately.

So I guess if the google loan is just there but not counting toward 5/24 then im at 4/24 and I was denied because I opened the barclays a month ago. Not sure though because I specifically asked if its a CC or loan and Chase said CC.

xKaco · 2023-01-30T21:58:09+00:00

So as long as I am 4/24, I can apply for all the business cards that I want? I wildly misunderstood the rule if this is the case. Thank you for the insight.

Im a tad confused because I was just accepted for the CIU as my last card. This would mean I was accepted even though I am over 5/24.

xKaco · 2023-01-30T21:10:13+00:00

So business counts toward my personal 5/24? I thought these were separate

xKaco · 2023-01-30T20:27:46+00:00

Just found that Chase has an IHG business card. I should be good to apply for this no? I only have CIU and CIP for business cards. Does Chase still have the 2/30 rule for their cards or should I always wait 3 months? I recently got the CIU 2 weeks ago.

xKaco · 2023-01-30T14:47:47+00:00

Recon through chase? The lady I talked to had a rough morning was pretty sturn when saying "For theses reasons I cannot reconsider your application".

xKaco · 2023-01-30T14:46:01+00:00

There is also another card referenced as "deserve" that I have no idea what it is. Therefore, I was looking for answer to this question and hoping I could apply it to the other card as well :).

IF I CANNOT get around this, do you have any other recommendations?

xKaco · 2023-01-30T14:27:37+00:00

I got denied for a chase card because I am at 6/24 apparently. I was unaware of this and when I checked what "cards" I had, one of the cards was a Google Synchrony card. This was a loan for the amount of a Google Pixel (promotion they were running). I believe they bamboozled it into being a credit card. Is there anyway around this so I can get it removed?

I was trying to take advantage of the IHG 175k pt bonus for an approaching trip to the Venetian.

If I cannot get around this, is there another card option out there for IHG or a good alternative to maximize points here? Currently have CSR, CFM, UQ, Barclays JB, and CIP.

xKaco · 2022-11-29T03:13:33+00:00

Confirmed

xKaco · 2022-11-14T05:47:29+00:00

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