Post by: Iz on March 13, 2016, 12:05:14 PM
Live now in branch and by phone, not online. New apps or product change from other Chase cards, including Slate.
HT: DOC
However, (according to phone rep) no signup bonus for product change. Anyone going for it?
Post by: chilipalmer on March 13, 2016, 01:38:30 PM
Post by: Emkay on March 13, 2016, 02:42:20 PM
Is there ever a signup bonus for a product change? I don't think I've seen that.Non chase there is.
Post by: Alexsei on March 13, 2016, 03:14:11 PM
Post by: Iz on March 13, 2016, 03:34:17 PM
Doing a PC now means no more signup bonus forever?For 24 months.
Post by: dpk4588 on March 13, 2016, 03:44:56 PM
Would it make a difference if I currently have a regular Freedom?
Post by: Iz on March 13, 2016, 03:46:40 PM
I'm sure its just speculation at this point, but does anyone think I'll be able to convert a Chase branded card (regular sapphire) into a Freedom Unlimited?It's not speculation. You can.
Would it make a difference if I currently have a regular Freedom?
Post by: PillanSmye on March 13, 2016, 08:02:04 PM
I'm sure its just speculation at this point, but does anyone think I'll be able to convert a Chase branded card (regular sapphire) into a Freedom Unlimited?2nd sentence of the very first post.
Would it make a difference if I currently have a regular Freedom?
Post by: Hamavin on March 13, 2016, 08:14:10 PM
Post by: hvaces42 on March 13, 2016, 08:18:51 PM
Can you PC a ba?or a UA?
Post by: Venilla on March 13, 2016, 08:31:52 PM
For 24 months.-1. By Chase it's 24 months from when the bonus was received but when doing a PC there's no bonus...
Post by: Iz on March 13, 2016, 08:47:31 PM
-1. By Chase it's 24 months from when the bonus was received but when doing a PC there's no bonus...You may be right, but I'm just reporting what the phone rep told me.
Post by: Mordyk on March 13, 2016, 09:09:17 PM
Non chase there is.Where can i find those? Besides amex
Post by: Venilla on March 13, 2016, 11:09:34 PM
Where can i find those? Besides amexBarclay when downgrading to the Arrival card.
Post by: Venilla on March 13, 2016, 11:09:53 PM
You may be right, but I'm just reporting what the phone rep told me.DROPR...
Post by: tanipollak on March 13, 2016, 11:38:27 PM
Post by: Iz on March 13, 2016, 11:41:59 PM
My wife just applied for the reg freedom last week and was approved online.. She just called in for the freedom unlimited and they said we would receive a response in 10 business days through the mail.. Does that mean she was declined? What else is there to do?Ask here: http://forums.dansdeals.com/index.php?topic=8398.0
Post by: David1 on March 14, 2016, 05:06:04 PM
Post by: joxxer on March 14, 2016, 05:48:21 PM
Spoke to an agent on the phone about this card. She told me its the same sign up bonus as the Freedom but she said the if I got the bonus on the freedom in the last 2 years then i wont get the bonus on this card. Is that correct? She also confirmed that you can apply over the phone or in a chase branch.
Went into my branch today and I was told if you have the freedom you can still get the bonus on the unlimited but who knows if that is true or not. Didn't apply yet .. holding off for now.
Post by: David Smith on March 14, 2016, 06:04:41 PM
Went into my branch today and I was told if you have the freedom you can still get the bonus on the unlimited but who knows if that is true or not. Didn't apply yet .. holding off for now.I think we can say with a fair degree of confidence that if approved, you'll get the bonus.
Post by: David1 on March 14, 2016, 08:58:53 PM
I think we can say with a fair degree of confidence that if approved, you'll get the bonus.Ya thats what I assumed as well.
Post by: Redbull3 on March 14, 2016, 09:07:12 PM
Post by: TimT on March 14, 2016, 09:38:04 PM
5/24 applies right?Most probably
Post by: benjie1305 on March 14, 2016, 10:53:14 PM
5/24 applies right?
I cannot see how it wouldn't apply.
Post by: Yola on March 16, 2016, 05:48:19 PM
Post by: benjie1305 on March 16, 2016, 05:52:08 PM
I was thinking about getting the Chase Freedom Unlimited card as I found out you can get them in branches now. But, does it make more sense to sign up for this card directly with its measly sign-up bonus of $150/15,000 points or should I sign up for a card like Chase Sapphire Preferred and get a $500/50,000 point sign up bonus and then in a few months downgrade the card (assuming that's possible) so that there's no annual fee? Do any more experienced DDfers have any quick advice?
You can try for both.
Post by: coralsnake on March 21, 2016, 10:04:34 PM
You erased the last 4 of the card but left your email address?
Post by: luckyluck on March 21, 2016, 10:13:05 PM
You erased the last 4 of the card but left your email address?
thank you!Post by: htran88 on March 24, 2016, 06:30:42 PM
Post by: 000 on March 25, 2016, 02:59:50 PM
Can you get an instant approval when applying for Freedom Unlimited in branch? Just applied and banker said I should find out in 3-10 business daysI was approved instantly after applying, when i logged into my chase account the card already shows up although I dont have the physical card yet. (That takes 7-10 days to arrive)
Post by: chilipalmer on March 26, 2016, 08:55:35 PM
As far as checking the status, is calling the automated line any different than looking at my Chase accounts online to see if it shows up there?
Post by: Amusch on March 29, 2016, 06:51:11 PM
Post by: benjie1305 on March 29, 2016, 06:55:57 PM
Any clue when apps hit the internet? I would like to do a MBM with SP before they stop allowing churns.
Apply for SP online and then go into branch the same day. What's the problem?
Post by: Amusch on March 29, 2016, 06:57:43 PM
Apply for SP online and then go into branch the same day. What's the problem?
That's just as good as 2BM?
Post by: benjie1305 on March 29, 2016, 07:01:25 PM
That's just as good as 2BM?
No such thing as MBM with Chase.
Post by: Amusch on March 29, 2016, 07:15:21 PM
No such thing as MBM with Chase.
Thanks. :o Nobody tells me anything.
Post by: Dan on March 29, 2016, 07:26:39 PM
Post by: benjie1305 on March 29, 2016, 07:38:01 PM
That's because he's wrong.
Would you mind elaborating on that. I haven't heard anything but that in a long time now while experiencing it myself as well. Would love to hear more.
Post by: Ydad on March 29, 2016, 07:39:02 PM
That's just as good as 2BM?yes
Post by: Dan on March 29, 2016, 07:45:01 PM
yesOdds of instant approvals are always higher if you time an MBM just right.
Post by: Venilla on March 29, 2016, 07:47:58 PM
Odds of instant approvals are always higher if you time an MBM just right.Same millisecond?
Post by: Ydad on March 29, 2016, 08:12:06 PM
Odds of instant approvals are always higher if you time an MBM just right.I was referring to the pull benefit.
Post by: chilipalmer on March 29, 2016, 08:33:27 PM
Post by: Iz on March 29, 2016, 08:39:21 PM
Is the automated status check line down?Nope.
Post by: chilipalmer on March 29, 2016, 09:11:42 PM
Nope.
Then . . . can you help me with the number?
Post by: Iz on March 29, 2016, 09:23:26 PM
Then . . . can you help me with the number?Sure. See wiki: http://forums.dansdeals.com/index.php?topic=8398.0;topicseen
Post by: TimT on April 07, 2016, 04:59:52 PM
Post by: EJB on April 07, 2016, 10:37:56 PM
Post by: Shauly101 on April 08, 2016, 11:45:49 AM
Post by: stbaum on April 08, 2016, 11:52:29 AM
if i do i PC from slate, will i be able after a while to still get the bonus, when i apply directly for the Unlimited?
i don't think it matters where you're coming from, pc=no bonus. you can apply for the card and when/if you get denied just offer to move line of credit from Slate
Post by: Iz on April 08, 2016, 12:51:23 PM
i don't think it matters where you're coming from, pc=no bonus. you can apply for the card and when/if you get denied just offer to move line of credit from SlateYou're so sure they will approve just because you move CL?
Post by: stbaum on April 08, 2016, 12:58:18 PM
You're so sure they will approve just because you move CL?
nope. was just a suggestion
Post by: Iz on April 08, 2016, 01:05:04 PM
nope. was just a suggestion:)
Post by: tzifanya54 on April 08, 2016, 01:44:24 PM
i don't think it matters where you're coming from, pc=no bonus. you can apply for the card and when/if you get denied just offer to move line of credit from SlateThat wasn't his question, he was asking if at a later date he can still get the bonus.
if i do i PC from slate, will i be able after a while to still get the bonus, when i apply directly for the Unlimited?Chase isn't Amex. You would prob have to close the existing card, but I think you would get it.
Post by: Z56 on April 13, 2016, 02:24:55 PM
Post by: chinagel on April 13, 2016, 02:29:53 PM
I applied a few days ago, just got up the lending dept to review my applications. The rep placed me on hold she came saying that my application needs additional review and I will get notified via US mail within 30 days... What does that mean ? Did anybody have such experience ? They didn't let me speak to the dept that's handling the application.ime u can try calling back in 2 days and they'll let you talk to them
Post by: newdealseeker on April 13, 2016, 11:09:40 PM
That wasn't his question, he was asking if at a later date he can still get the bonus.And what's the answer to that?
Post by: newdealseeker on April 13, 2016, 11:17:39 PM
Doing a PC now means no more signup bonus forever?I'm wondering if you'll have to close the account or PC back away from Unlimited in order to be approved for an Unlimited down the road.
Post by: PillanSmye on April 14, 2016, 11:38:10 AM
I'm wondering if you'll have to close the account or PC back away from Unlimited in order to be approved for an Unlimited down the road.
That's a lot of worrying over a blah 15000 UR's. And there's no need to have multiple FU since they are uncapped on earnings
Post by: newdealseeker on April 14, 2016, 12:46:17 PM
That's a lot of worrying over a blah 15000 UR's. And there's no need to have multiple FU since they are uncapped on earningsYou never know if they'll have an increased signup bonus in the future. I was thinking to PC now and then switch away when I want to apply at a later time (when 5/24 will work out). Since technically it's not a new card and it's with no signup, I can't see why you'll need to wait 24 months from when you switched away.
Post by: curry30 on April 15, 2016, 10:43:52 AM
Post by: tzifanya54 on April 16, 2016, 10:35:17 PM
And what's the answer to that?
Chase isn't Amex. You would prob have to close the existing card, but I think you would get it.
Post by: Shauly101 on April 18, 2016, 01:53:50 PM
any remarks?
if i do a grocery purchase (small to test) how long will it take to see if its a +4?
Post by: Dan on April 18, 2016, 01:59:33 PM
Only a difference of 750 points assuming I'm correct.
Post by: newdealseeker on May 02, 2016, 04:36:26 AM
Sweet, but probably just going to be for this quarter as the card was registered for it already.But maybe that means I don't need to hold off on doing the product change until I max out.
Only a difference of 750 points assuming I'm correct.
Post by: DrGanseOilum on May 22, 2016, 11:23:46 PM
Option 1. Free Product Change to Chase Freedom Ultimate, forego $150-$175 sign up bonus
Option 2. Combine Credit Line - close current Chase Freedom card, combine all/most of the credit line to one card (the one I've had for longer)
Which option would you recommend given:
• I also have a CSP card
• Not interested in applying for a new card or increasing my credit line right now.
• I'm nowhere near maxing out my Chase Freedom 5% categories each quarter.
Post by: MosheD on June 28, 2016, 11:24:42 AM
If yes, can I max out 5x cat, switch to unlimited and then switch back for next period?
Post by: tanipollak on July 19, 2016, 11:36:55 PM
Post by: YOSSI170 on September 21, 2016, 12:37:38 PM
Post by: emjee on September 22, 2016, 05:58:31 AM
If I downgrade my CSP to FU will travel category points be changed to 1.5? My points posted already and I already transferred it to my CSRRetroactively ? - no
Post by: Fan of Dan on September 30, 2016, 12:12:52 AM
Post by: Iz on September 30, 2016, 12:14:43 AM
Is it possible to convert a Chase UA card to the Freedom unlimited?No.
Post by: keemster26 on September 30, 2016, 12:17:06 AM
Is it possible to convert a Chase UA card to the Freedom unlimited? Phone rep said it isn't possible on a partner branded card. I was wondering if that's true or I should HUCA.No. But you can convert it to a non annual fee card.
Post by: Fan of Dan on September 30, 2016, 12:55:25 AM
No. But you can convert it to a non annual fee card.
No.Oh well. I actually have the no AF UA card now.
Shame because I just closed my no AF Sapphire card after I got a letter that it will be shut for no activity. I didn't want it to say closed by issuer so I quickly transferred the credit lines and shut it down.
Trying to decide if I should 2 bm the Freedom unlimited and Sapphire reserve card now. 5/24 wouldn't be an issue.
Post by: bb1836 on January 30, 2017, 09:17:05 PM
Post by: ttn on March 31, 2017, 05:51:54 PM
Post by: mmgfarb on March 31, 2017, 06:18:44 PM
Not sure if has been mentioned but my wife was in a chase bank and they told her she was pre-approved for the unlimited and targeted for a 300 dollar bonus after spending $500 instead of the regular 150Old news.
Post by: myi on April 02, 2017, 01:39:19 AM
Not sure if has been mentioned but my wife was in a chase bank and they told her she was pre-approved for the unlimited and targeted for a 300 dollar bonus after spending $500 instead of the regular 150Nice, wouldn't mind to get that bonus and sign up for the FU.
Post by: stooges44 on June 23, 2017, 11:43:27 AM
(https://i.gyazo.com/672c01600569b071a79b3baa0662fe33.png)
Post by: yossig on June 23, 2017, 01:15:46 PM
Just got this emailgot it as well
(https://i.gyazo.com/672c01600569b071a79b3baa0662fe33.png)
Post by: chayal101 on August 11, 2017, 12:24:32 AM
Post by: 12HRS on August 11, 2017, 07:17:32 AM
I downgraded from SP to Freedom Unlimited 2 days ago, my card is showing as FU on Chase website. If I make a purchase with my 'old' SP card, will I already get 1.5 ppd?
yes
Post by: MAJ on April 12, 2018, 02:58:02 PM
Post by: davidrotts63 on April 12, 2018, 02:59:07 PM
Can I get a Freedom Unlimited for a business account? going through the online application, all the questions are for a personal accountNo. There is no business version of the card
Post by: MAJ on April 12, 2018, 03:00:02 PM
No. There is no business version of the cardso if i try and fill in the personal card application with business info it wont work?
Post by: davidrotts63 on April 12, 2018, 03:00:43 PM
so if i try and fill in the personal card application with business info it wont work?What does that mean?
Post by: MAJ on April 12, 2018, 03:02:13 PM
Post by: davidrotts63 on April 12, 2018, 03:04:07 PM
I recall posts about how one can apply for a business card and just use there personal info when filling out the application (make up a business name), wondering if it works in reverse.@ChaimMoskowitz
Post by: ChaimMoskowitz on April 12, 2018, 03:37:21 PM
I recall posts about how one can apply for a business card and just use there personal info when filling out the application (make up a business name), wondering if it works in reverse.Just fill it out truthfully. If your business name is "ABC Widgets" then that is what you put down. If the business name is your name then that is what you put down.
Post by: MAJ on April 12, 2018, 03:39:17 PM
Just fill it out truthfully. If your business name is "ABC Widgets" then that is what you put down. If the business name is your name then that is what you put down.what do i put in for BDAY if the LLC is less than 18 years old?
Post by: davidrotts63 on April 12, 2018, 03:45:56 PM
what do i put in for BDAY if the LLC is less than 18 years old?You literally didn't understand a word he said.
If you have a business, get a business card with that info.
Or get a personal card with your personal info.
Vizehu.
Post by: MAJ on April 12, 2018, 03:57:30 PM
You literally didn't understand a word he said.i really did not understand it that way! :), seems a shame as the extra .5 mile/$ spent really adds up for me.
If you have a business, get a business card with that info.
Or get a personal card with your personal info.
Vizehu.
Thanks
Post by: GAM Z. on April 12, 2018, 05:07:08 PM
i really did not understand it that way! :), seems a shame as the extra .5 mile/$ spent really adds up for me.There's a United Club business card that gives 1.5 United miles per dollar. If you use alot of United miles, it's something to look into.
Thanks
Post by: MAJ on April 12, 2018, 05:16:10 PM
There's a United Club business card that gives 1.5 United miles per dollar. If you use alot of United miles, it's something to look into.thanks, been using that for years, used to have a much easier time redeeming United miles and used mainly united miles, but now i find it harder and am using other miles more often so looking to change.
Post by: davidrotts63 on April 12, 2018, 05:18:12 PM
i really did not understand it that way! :), seems a shame as the extra .5 mile/$ spent really adds up for me.You can get a Blue for Business plus for 2 MR per dollar up to 50k.
Thanks
Post by: MAJ on April 13, 2018, 11:51:01 AM
You can get a Blue for Business plus for 2 MR per dollar up to 50k.Many companies don't take Amex. Mainly want to stay in the chase family to take advantage of $0.15 value for travel with the Sapphire Preferred. Any other recommendations? At this point i'm leaning towards the ink business cash, not great. To make it a bit more confusing, we are in the real estate business, i'm looking to get a separate credit card for each of 14 properties.
Post by: ben89 on April 19, 2018, 10:19:48 PM
@Dan do you have a link for the 3% cash back no sign up bonus?
Post by: CZ60 on April 19, 2018, 10:22:13 PM
https://creditcards.chase.com/cash-back-credit-cards/chase-freedom-unlimited?CELL=6TKV&IP3H=FH24R8&F42G=FH24R8&jp_aid_a=FREU&jp_aid_p=mptarg1/ccpers1
Post by: hvaces42 on April 19, 2018, 10:31:02 PM
Post by: CZ60 on April 19, 2018, 10:37:33 PM
1st year, no signup bonus, except 2500 for adding an AUSo it's good for the next year. It's an everyday card, not a SUB card. At 3% UR, it's the best everyday card out there, pushing the spg and the Amex Blue Biz to the side. As it is - with the 1.5%, it was compelling for an everyday card. Now it's a no brainer
Post by: Abey on April 19, 2018, 10:37:42 PM
Post by: yitzgar on April 19, 2018, 10:59:50 PM
Post by: hvaces42 on April 19, 2018, 11:01:45 PM
Didn't do the math myself, but according to DOC you need to spend 10k to break even with no SUB. Without msing it's not super compelling if you only use it for non bonus category spend. (Obviously depends how much you're spending in a year and which other cards you have with bonus categories)What bonus category spend?
Post by: davidrotts63 on April 19, 2018, 11:07:33 PM
Anyone thinks dw can get matched ? Got this card a month agoSend an SM and report back
Post by: Abey on April 19, 2018, 11:22:28 PM
Send an SM and report backI already did. Just wanted to hear what ddf thinks...
Post by: yitzgar on April 19, 2018, 11:48:11 PM
What bonus category spend?Freedom, ink, amex edp off the top of my head
Post by: yitzgar on April 19, 2018, 11:49:08 PM
Anyone thinks dw can get matched ? Got this card a month agoYou mean in place of the SUB, or in addition? because that would be awesome
Post by: Abey on April 19, 2018, 11:50:00 PM
You mean in place of the SUB, or in addition, because that would be awesomeWell she got the sub already....hoping
Post by: AussieMan on April 20, 2018, 09:13:41 AM
It's better unless you plan to spend 10k+ first year
Post by: hvaces42 on April 20, 2018, 09:55:46 AM
Freedom, ink, amex edp off the top of my headThis card has no bonus categories.
Didn't do the math myself, but according to DOC you need to spend 10k to break even with no SUB. Without msing it's not super compelling if you only use it for non bonus category spend. (Obviously depends how much you're spending in a year and which other cards you have with bonus categories)
Post by: Dan on April 20, 2018, 10:16:52 AM
That's always been my strategy and it means you would need to spend wayyyyyyyyyy more than $10K to make a 3x for a year offer with no SUB more compelling than that.
Post by: Freecountry on April 20, 2018, 10:21:11 AM
Truthfully, you should be converting Sapphire cards into Freedom cards and not be applying for freedom cards.That's what I've been doing. why would someone apply for a freedom if you could get a bigger bonus with sapphire cards and just downgrade
That's always been my strategy and it means you would need to spend wayyyyyyyyyy more than $10K to make a 3x for a year offer with no SUB more compelling than that.
Post by: Dan on April 20, 2018, 10:22:17 AM
Post by: Freecountry on April 20, 2018, 10:23:36 AM
I've never applied for a freedom card. Just doesn't make sense to, though the 24 month Sapphire rule makes it a longer game nowadays.even if you don't keep opening sapphire cards but get freedom cards through sapphire cards and redeem with ink preferred
Post by: Dan on April 20, 2018, 10:25:13 AM
Post by: davidrotts63 on April 20, 2018, 10:31:40 AM
Truthfully, you should be converting Sapphire cards into Freedom cards and not be applying for freedom cards.From about 35k+ (assuming you PC the CSP to a CFU as soon as you hit 4k spend) you'd be ahead doing this. Which with A/A risk aside it may be a good deal for some select few. Of it has to be those who are trying to rack up UR at that time.
That's always been my strategy and it means you would need to spend wayyyyyyyyyy more than $10K to make a 3x for a year offer with no SUB more compelling than that.
Post by: Dan on April 20, 2018, 10:34:03 AM
I'd imagine that's a small number.
Post by: Freecountry on April 20, 2018, 10:38:30 AM
From about 35k+ (assuming you PC the CSP to a CFU as soon as you hit 4k spend) you'd be ahead doing this. Which with A/A risk aside it may be a good deal for some select few. Of it has to be those who are trying to rack up UR at that time.if you open a CSP, CSR and CIP and downgrade the preferred and reserve to CF and CFU you'll have an effective $245 in AF's and be left with at least 193,000 URP to be redeemed with a rate of at least 1.25 and that's before you maximize the freedom categories and your everyday spending on the CFU. So I'll go with dans advice
Post by: Freecountry on April 20, 2018, 10:42:51 AM
Post by: normathej on April 20, 2018, 10:47:57 AM
Post by: Freecountry on April 20, 2018, 10:51:03 AM
From about 35k+ (assuming you PC the CSP to a CFU as soon as you hit 4k spend) you'd be ahead doing this. Which with A/A risk aside it may be a good deal for some select few. Of it has to be those who are trying to rack up UR at that time.by the way it's not $35000 it's $40000 if you are comparing to a CSP
Post by: Freecountry on April 20, 2018, 10:58:03 AM
If I want to downgrade my Sapphire Preferred to a Freedom Unlimited, can I still transfer my points to my spouse (who does have a Sapphire Preferred), or do I personally need to keep a Sapphire card open in order to transfer my UR earned from Freedom card?AFAIK you need to have the CSP
Post by: Dan on April 20, 2018, 11:04:57 AM
If I want to downgrade my Sapphire Preferred to a Freedom Unlimited, can I still transfer my points to my spouse (who does have a Sapphire Preferred), or do I personally need to keep a Sapphire card open in order to transfer my UR earned from Freedom card?Spouse is fine
Post by: Freecountry on April 20, 2018, 11:13:12 AM
Spouse is fineonly spouse?
Post by: Dan on April 20, 2018, 11:14:26 AM
Post by: davidrotts63 on April 20, 2018, 11:23:20 AM
by the way it's not $35000 it's $40000 if you are comparing to a CSPWith 35k spend.
With CSP this 59k for 4k spend, and 46.5k for the rest for a 105.5k total
With CFU 3x it's 107.5k.
Considering AU bonuses as well
Post by: Freecountry on April 20, 2018, 11:26:40 AM
With 35k spend.35000× 3 = 105000
With CSP this 59k for 4k spend, and 46.5k for the rest for a 105.5k total
With CFU 3x it's 107.5k.
Considering AU bonuses as well
Post by: davidrotts63 on April 20, 2018, 11:32:59 AM
35000× 3 = 105000+2.5k AU bonus
Post by: Freecountry on April 20, 2018, 11:35:10 AM
+2.5k AU bonusand if you downgrade you won't get that?
Post by: davidrotts63 on April 20, 2018, 11:37:35 AM
and if you downgrade you won't get that?Correct. You'll get 5k for CSP which I included.
Post by: Freecountry on April 20, 2018, 11:41:34 AM
Post by: davidrotts63 on April 20, 2018, 11:47:11 AM
And the truth is someone who is spending $35000 probably is going to be spending on things that are bonus categories on other cards such as gas, office supplies, hotels etc. So he wouldn't want it spent on the freedom unlimited so your math is probably still way offSomeone MSing ...
Post by: Freecountry on April 20, 2018, 11:51:26 AM
Someone MSing ...what about MSing?
Post by: davidrotts63 on April 20, 2018, 11:52:48 AM
what about MSing?Our scenario is for someone MSing non bonus categories
Post by: Dan on April 20, 2018, 11:53:42 AM
Post by: davidrotts63 on April 20, 2018, 11:55:24 AM
Why are you MSing non-bonus categories?Fill me in where should I MS ONLY bonus categories?
Post by: Freecountry on April 20, 2018, 11:55:53 AM
Our scenario is for someone MSing non bonus categorieswhy
Post by: davidrotts63 on April 20, 2018, 11:56:29 AM
whyCuz that's where it can be worth it.
Post by: Freecountry on April 20, 2018, 11:56:47 AM
Fill me in where should I MS ONLY bonus categories?office supplies is one example or anything bought with paypal
Post by: CZ60 on April 20, 2018, 12:04:31 PM
How many people have over $35K in non-bonus spending in a year?But suppose you are spending more than 35k non bonus in a year. What would you advise? Besides for cutting down on spending :P
I'd imagine that's a small number.
Post by: Dan on April 20, 2018, 12:05:39 PM
But suppose you are spending more than 35k non bonus in a year. What would you advise? Besides for cutting down on spending :PJust curious, what categories are you spending more than $3,000/month in that can't be bonused?
Post by: Freecountry on April 20, 2018, 12:05:56 PM
But suppose you are spending more than 35k non bonus in a year. What would you advise? Besides for cutting down on spending :Pdo it now on starwoods
Post by: davidrotts63 on April 20, 2018, 12:06:10 PM
office supplies is one exampleThat one I get. And there is a limit. I only have one INK. And I wouldn't want to do all GC
Post by: Freecountry on April 20, 2018, 12:07:06 PM
That one I get. And there is a limit. I only have one INK. And I wouldn't want to do all GClimit $25k so your left with $10k
Post by: davidrotts63 on April 20, 2018, 12:08:22 PM
limit $25k so your left with $10kSome people MS more then that
Post by: Freecountry on April 20, 2018, 12:10:28 PM
Some people MS more then thatThat's what I was saying it's not 35k it's a lot more
Post by: Moshe26 on April 20, 2018, 12:11:16 PM
Post by: Freecountry on April 20, 2018, 12:12:19 PM
some ppl do buying groups and spend over 35K on BB orderspay with paypal for 5×
Post by: farmbochur on April 20, 2018, 12:12:40 PM
Just curious, what categories are you spending more than $3,000/month in that can't be bonused?Gas & groceries
Where can you get more than 3x UR (after $6k annual cap EDP and BCP)?
Post by: davidrotts63 on April 20, 2018, 12:13:25 PM
pay with paypal for 5×For 3 months up to 1.5k yay
Post by: Freecountry on April 20, 2018, 12:18:47 PM
For 3 months up to 1.5k yaydepending on how many freedom cards you have
Post by: normathej on April 20, 2018, 12:21:57 PM
Should be fine for any AU
I have to be AU on my spouse's account, or if we are both AU on the Freedom Unlimited then he can transfer to his own Sapphire Preferred?
Post by: aygart on April 20, 2018, 12:22:48 PM
depending on how many freedom cards you haveStill only 3months
Post by: Freecountry on April 20, 2018, 12:25:56 PM
Still only 3monthsmore than 1.5k
Post by: CZ60 on April 20, 2018, 12:27:23 PM
Just curious, what categories are you spending more than $3,000/month in that can't be bonused?Say you have a tickets business. Say you pay tuition for 4 kids in NYC (no fee from the schools). Suppose you can pay rent with only 1% fee.... There are a bunch of things...
Post by: aygart on April 20, 2018, 12:30:19 PM
more than 1.5kBut there are nine more months in the year.
Post by: Freecountry on April 20, 2018, 12:32:28 PM
Say you have a tickets business. Say you pay tuition for 4 kids in NYC (no fee from the schools). Suppose you can pay rent with only 1% fee.... There are a bunch of things...what about using gc's for tuition?
Post by: Emgee on April 20, 2018, 12:35:47 PM
Truthfully, you should be converting Sapphire cards into Freedom cards and not be applying for freedom cards.I spend close to 100k on Freedom every year, and so do others. Thats equal to 300k/UR points and 150k bonus. How is that not compelling?
That's always been my strategy and it means you would need to spend wayyyyyyy more than $10K to make a 3x for a year offer with no SUB more compelling than that.
Post by: ChaimMoskowitz on April 20, 2018, 12:38:11 PM
Post by: davidrotts63 on April 20, 2018, 12:38:36 PM
I spend close to 100k on Freedom every year, and so do others. Thats equal to 300k/UR points and 150k bonus. How is that not compelling?AFAIK 100k is included in
wayyyyyyyyyy
But again if there is spend in what would be a bonus category on another card, it should be going there.
Post by: Freecountry on April 20, 2018, 12:41:46 PM
I spend close to 100k on Freedom every year, and so do others. Thats equal to 300k/UR points and 150k bonus. How is that not compelling?what 150k bonus are you talking about and none of 100k is on bonus categories on other cards
Post by: Freecountry on April 20, 2018, 12:43:08 PM
This isn't rocket science. Do the math for your own situation. This is not one fits all card.the question is if you should sign up for the freedom unlimited and the point is only in super rare occasions will it be worth it
Post by: Emgee on April 20, 2018, 12:56:50 PM
what 150k bonus are you talking about and none of 100k is on bonus categories on other cardsSeriously. It takes the ease of M'sing to new levels.
Post by: Emgee on April 20, 2018, 01:03:09 PM
what 150k bonus are you talking about and none of 100k is on bonus categories on other cards150k out of 300k would be the bonus...
Suppose you take advantage of all the bonus categories. The sky is the limit on how much you can MS on this with ease, its a no brainer iMHO.
Post by: ChaimMoskowitz on April 20, 2018, 01:05:03 PM
The sky is the limit on how much you can MS on this with ease, its a no brainer iMHO.The sky is the limit?
Post by: Dan on April 20, 2018, 01:06:23 PM
This isn't rocket science. Do the math for your own situation. This is not one fits all card.Indeed.
Post by: yitzgar on April 20, 2018, 01:42:09 PM
This card has no bonus categories.I meant categories that aren't bonused at a higher rate on other cards
Post by: Dan on April 20, 2018, 02:14:05 PM
Post by: Freecountry on April 20, 2018, 02:35:28 PM
If you spend more than $40K/year in annual non-bonus spend, do you get this card now or wait closer to 8/1 and switch SPG spending to this for a year?Of course wait. "Push off what can be done tomorrow for what must be done today"
Post by: mochjas on April 20, 2018, 02:48:31 PM
If you spend more than $40K/year in annual non-bonus spend, do you get this card now or wait closer to 8/1 and switch SPG spending to this for a year?Who says the offer will still be around then?
Post by: Dan on April 20, 2018, 02:48:59 PM
Who says the offer will still be around then?That's part of the question of course.
Post by: mochjas on April 20, 2018, 02:49:34 PM
Just curious, what categories are you spending more than $3,000/month in that can't be bonused?Simon Mall?
Post by: mochjas on April 20, 2018, 02:54:09 PM
That's part of the question of course.Im glad that we finally got you on board with this card!
Post by: Dan on April 20, 2018, 02:54:55 PM
Post by: ChaimMoskowitz on April 20, 2018, 02:56:42 PM
Just trying to work through the various scenarios for a post.Can't wait to read the comments. :)
Post by: mochjas on April 20, 2018, 03:02:15 PM
Just trying to work through the various scenarios for a post.You can throw in, unlimited 3X UR at supermarkets and drug stores
Post by: Freecountry on April 20, 2018, 03:05:00 PM
Who says the offer will still be around then?
That's part of the question of course.did you see somewhere that this is a limited time offer?
Post by: Dan on April 20, 2018, 03:06:22 PM
did you see somewhere that this is a limited time offer?Nothing either way.
Post by: Freecountry on April 20, 2018, 03:09:02 PM
Nothing either way.so why assume it be won't around after 8/1? Rack up starpoints now when you can. Then sign up for freedom unlimited
Post by: mochjas on April 20, 2018, 03:10:33 PM
so why assume it be won't around after 8/1? Rack up starpoints now when you can. Then sign up for freedom unlimitedwhy assume that it will be around. Look how quickly SPG apps died
Post by: davidrotts63 on April 20, 2018, 03:14:03 PM
so why assume it be won't around after 8/1? Rack up starpoints now when you can. Then sign up for freedom unlimitedOr app now just in case and don't use until 8/1 :)
Post by: Freecountry on April 20, 2018, 03:14:44 PM
why assume that it will be around. Look how quickly SPG apps diedfirst of all we knew something was coming for months now exactly what was the question. Secondly even when the the starwood bonus went in a day we still got a days warning
Post by: Freecountry on April 20, 2018, 03:15:12 PM
Or app now just in case and don't use until 8/1 :)but you lose 3 months
Post by: davidrotts63 on April 20, 2018, 03:15:27 PM
first of all we knew something was coming for months now exactly what was the question. Secondly even when the the starwood bonus went in a day we still got a days warningQuite often we don't get warnings.
Post by: davidrotts63 on April 20, 2018, 03:15:47 PM
but you lose 3 monthsVs. Potentially losing 12 months
Post by: yitzgar on April 20, 2018, 04:29:17 PM
Post by: ChaimMoskowitz on April 22, 2018, 05:30:45 PM
Post by: Dan on April 22, 2018, 05:31:17 PM
If you product change will you get 3x for 12 mo's?DDMS
Post by: ChaimMoskowitz on April 22, 2018, 05:32:59 PM
DDMSYou trying to get me hooked? >:(
Post by: ChaimMoskowitz on April 22, 2018, 05:38:11 PM
If you product change will you get 3x for 12 mo's?No
Post by: Abey on April 23, 2018, 12:49:46 PM
Post by: mochjas on April 23, 2018, 12:50:51 PM
You trying to get me hooked? >:(If you think the PC here is interesting, you should check out the DDMS comments
Post by: Abey on April 23, 2018, 01:34:24 PM
@Dan id argue that this offer is awesome for anyone thats gonna spend 7.5k + before he/she can get a sapphire. for example my dad spends 6-7 k a month, cant get another sapphire for about 10 months, for me to tell him just use this card EVERYWHERE is huge. just my 2 centsor heck, get csp spend sub then use this. probably the easiest for non churners to understand, and use. imho ddms needs an edit :)
Post by: Dan on April 23, 2018, 01:39:01 PM
or heck, get csp spend sub then use this. probably the easiest for non churners to understand, and use. imho ddms needs an edit :)Why would a regular spender burn a 5/24 for this?
Post by: Dan on April 23, 2018, 01:39:20 PM
@Dan id argue that this offer is awesome for anyone thats gonna spend 7.5k + before he/she can get a sapphire. for example my dad spends 6-7 k a month, cant get another sapphire for about 10 months, for me to tell him just use this card EVERYWHERE is huge. just my 2 cents7.5K in one year on this is 100% illogical. Put on your thinking cap.
Post by: Abey on April 23, 2018, 01:49:57 PM
Why would a regular spender burn a 5/24 for this?because ur is the easiest to use...so for someone thats under 5/24 and can get a sapphire,sub csp 55k now use this if spending 7.5 +, on regular fu will get you 22.5 from there and on this card is better... if after year you convert to csr you have a min roi of 4.5 which is awesome. plus no remembering which card to use where which a lot of regular folks forget. now which cards are better than this for regular folks ?
Post by: Abey on April 23, 2018, 01:54:46 PM
Why would a regular spender burn a 5/24 for this?do a ddms poll how many people redeem points for cash back and you'll have ur answer
Post by: Dan on April 23, 2018, 01:55:10 PM
because ur is the easiest to use...so for someone thats under 5/24 and can get a sapphire,sub csp 55k now use this if spending 7.5 +, on regular fu will get you 22.5 from there and on this card is better... if after year you convert to csr you have a min roi of 4.5 which is awesome. plus no remembering which card to use where which a lot of regular folks forget. now which cards are better than this for regular folks ?You're burning a 5/24 for 11K points?
One of the worst ideas I've read on DDF in a long time and that's saying something.
Post by: Abey on April 23, 2018, 01:59:35 PM
Post by: Abey on April 23, 2018, 02:02:45 PM
You're burning a 5/24 for 11K points?say someone thats spending 20k in the next year for example, give me a better duo than getting csp and this fu...again for someone that couldn't care less about points
One of the worst ideas I've read on DDF in a long time and that's saying something.
Post by: Abey on April 23, 2018, 03:37:31 PM
You're burning a 5/24 for 11K points?And btw it’s 22.5 k...
One of the worst ideas I've read on DDF in a long time and that's saying something.
Plus 55 k from csp. = 77.5 with 10.5 k spend and only the 3k needs to be in the first 3 months
I think this is by far the most compelling card(s) now, for people who open cards to keep them ex. Non ddf’rs
And I will be recommending this to all who ask me for a good cashback/travelback card
Post by: Abey on April 23, 2018, 03:38:13 PM
You're burning a 5/24 for 11K points?
One of the worst ideas I've read on DDF in a long time and that's saying something.
not me and not ddf. were not talking miles junkies here, I'm talking about my mother in law etc. someone that gets 1-2 new cards a year at most, what is better than this ? in terms of ease to use and understand
[/quote]
Post by: Dan on April 23, 2018, 03:43:10 PM
And btw it’s 22.5 k...$7.5K spend in year one:
Plus 55 k from csp. = 77.5 with 10.5 k spend and only the 3k needs to be in the first 3 months
I think this is by far the most compelling card(s) now, for people who open cards to keep them ex. Non ddf’rs
And I will be recommending this to all who ask me for a good cashback/travelback card
DDMS route: $4K on CSP+ $3.5K on downgrade to CFU=55K+4K+5,250=64,250 with 1 slot used.
Abey route 1: $7.5K on CFU 3x=22.5K with 1 slot used.
Abey route 2: $4K on CSP+ $3.5K on CFU 3X=55K+4K+10,500=59,000 with 2 slots used.
Are we done yet?
Post by: Abey on April 23, 2018, 03:45:59 PM
$7.5K spend in year one:Onwards 3x is the key you are missing...
DDMS route: $4K on CSP+ $3.5K on downgrade to CFU=55K+4K+5,250=64,250 with 1 slot used.
Abey route 1: $7.5K on CFU 3x=22.5K with 1 slot used.
Abey route 2: $4K on CSP+ $3.5K on CFU 3X=55K+4K+10,500=59,000 with 2 slots used.
Are we done yet?
many people spend more than that on cc a year and want cashback or travel back..
And this is the best duo at the moment.
Or offer up a better one ?
Post by: Dan on April 23, 2018, 03:47:38 PM
Onwards 3x is the key you are missing...Good grief. Yes it's a good duo.
many people spend more than that on cc a year and want cashback or travel back..
And this is the best duo at the moment.
Or offer up a better one ?
All I said on DDMS was to calculate which route is better. You claimed I was wrong with $7.5K. I am not.
If you want to change the number go ahead and plug it in to see which rotue is better.
Post by: Abey on April 23, 2018, 03:54:17 PM
Good grief. Yes it's a good duo.“However, if you will spend more than approximately $35,000 in your first year in non-bonused everyday spending, then you can do better with this new Freedom Unlimited offer”
All I said on DDMS was to calculate which route is better. You claimed I was wrong with $7.5K. I am not.
If you want to change the number go ahead and plug it in to see which rotue is better.
And I am saying that’s it’s valuable from 10 k and on, huge difference.
And makes life a lot simpler without making sure to know categories etc.
My point? You didn’t promote this the right way as a simple very rewarding opportunity when paired with csp
Post by: Freecountry on April 23, 2018, 03:54:59 PM
say someone thats spending 20k in the next year for example, give me a better duo than getting csp and this fu...again for someone that couldn't care less about pointsCSP AND CSR $8k on them then downgrade the CSR to a CFU and the the next $12k on the CFU this = 131,000 UR with an effective $150 annual fee that can be redeemed at a rate of 1.25 ( downgrade the CSP before second year, so no annual fee)
Post by: Dan on April 23, 2018, 03:56:06 PM
Post by: Abey on April 23, 2018, 03:57:16 PM
CSP AND CSR $8k on them then downgrade the CSR to a CFU and the the next $12k on the CFU this = 123,000 UR with an effective $150 annual fee that can be redeemed at a rate of 1.25 ( downgrade the CSP before second year, so no annual fee)We’re talking about a mother in law here, and I don’t know about yours but this is WAY too complicated for mine.
Get the point? Most people have cashback cards in their wallet and this is a very good opportunity
Post by: Dan on April 23, 2018, 03:58:28 PM
We’re talking about a mother in law here, and I don’t know about yours but this is WAY too complicated for mine.DD isn't targeting the mothers in law crowd, though my MIL actually does a pretty good job with the stuff I post.
Get the point? Most people have cashback cards in their wallet and this is a very good opportunity
Post by: Abey on April 23, 2018, 04:03:47 PM
DD isn't targeting the mothers in law crowd, though my MIL actually does a pretty good job with the stuff I post.I didn’t mean that in a literal way.
Most people I know use cc for cashback even when holding csr and the like, most people don’t sign up for cards and close them...
@dan including DDMS readers, just read ur comments, besides the point that this can be promoted for friends who are asking for advice and don’t want too complicated.
You don’t have to promote it @dan if you don’t want, it’s just my humble opinion that many people can benefit from this.
Cheers
Post by: davidrotts63 on April 23, 2018, 04:04:57 PM
Half Russian.
Then some Spanish Russian too.
Seems like DDFB and DDMS comments are boring now.
Post by: Freecountry on April 23, 2018, 04:06:05 PM
We’re talking about a mother in law here, and I don’t know about yours but this is WAY too complicated for mine.the only difference between your idea and mine is under my plan you have to downgrade 1 more card by both of our plans 2 cards are being opened, and either the CSP is being downgraded or not depending on whether you don't want to pay an AF, just under my plan you're downgrading the CSR that's 1 more action to be taken. You can decide if that takes it from simplistic to "WAY too complicated"
Get the point? Most people have cashback cards in their wallet and this is a very good opportunity
Post by: Dan on April 23, 2018, 04:08:05 PM
I didn’t mean that in a literal way.If I didn't want to promote it then I wouldn't have spent the time to analyze and post it on DDMS.
Most people I know use cc for cashback even when holding csr and the like, most people don’t sign up for cards and close them...
@Dan including DDMS readers, just read ur comments, besides the point that this can be promoted for friends who are asking for advice and don’t want too complicated.
You don’t have to promote it @Dan if you don’t want, it’s just my humble opinion that many people can benefit from this.
Cheers
I simply reject your premise. You're entitled to disagree, but no need to keep clogging up this thread.
Post by: davidrotts63 on April 23, 2018, 04:08:09 PM
Post by: ChaimMoskowitz on April 23, 2018, 04:09:08 PM
You're burning a 5/24 for 11K points?What about missing out on a ton of good cards just to save 5/24? Is that a good idea?
One of the worst ideas I've read on DDF in a long time and that's saying something.
Post by: Dan on April 23, 2018, 04:10:05 PM
What about missing out on a ton of good cards just to save 5/24? Is that a good idea?If you don't care about your 5/24 number then you won't get approved for CFU3X anyway.
Therefore it's a moot point.
If you do care about 5/24 then it's only worthwhile if you're a big everyday spender.
Post by: davidrotts63 on April 23, 2018, 04:10:13 PM
the only difference between your idea and mine is under my plan........ just under my plan........ more action to be taken.Welcome to the Senate.
Post by: Abey on April 23, 2018, 04:16:47 PM
If I didn't want to promote it then I wouldn't have spent the time to analyze and post it on DDMS.I will stop, just one last question
I simply reject your premise. You're entitled to disagree, but no need to keep clogging up this thread.
Someone that wants a simple plan , no signing up for csp/csr same day no calling recon no activating categories every 3 months no remembering to call and pc....etc
Basically a banks dream customer
What would you recommend for a a spender of 10k 15k and up ? Because this imo is 90% of the population.
Give me you’re answer what is better than this and I will be happy
Because so far no one gave me one
Post by: davidrotts63 on April 23, 2018, 04:18:04 PM
I will stop, just one last questionCSP, the downgrade.
Someone that wants a simple plan , no signing up for csp/csr same day no calling recon no activating categories every 3 months no remembering to call and pc....etc
Basically a banks dream customer
What would you recommend for a a spender of 10k 15k and up ? Because this imo is 90% of the population.
Give me you’re answer what is better than this and I will be happy
Because so far no one gave me one
Post by: Abey on April 23, 2018, 04:23:45 PM
CSP, the downgrade.No csp AND Cfu x3 use a calculator
Post by: ChaimMoskowitz on April 23, 2018, 04:28:28 PM
If you don't care about your 5/24 number then you won't get approved for CFU3X anyway.I appreciate the response and I agree with what you said. The only problem is you completely ignored my question.
Therefore it's a moot point.
If you do care about 5/24 then it's only worthwhile if you're a big everyday spender.
Post by: Dan on April 23, 2018, 04:32:25 PM
I appreciate the response and I agree with what you said. The only problem is you completely ignored my question.Different strokes for different folks. I don't think there's a right or wrong approach.
Post by: mochjas on April 23, 2018, 04:38:22 PM
Different strokes for different folks. I don't think there's a right or wrong approach.The best approach IMO which is my approach is to hit cards hard yourself and try your hardest to get and keep your wife under 5/24 (just in time to get CFU :) )
Post by: Abey on April 23, 2018, 04:40:41 PM
I will stop, just one last question
Someone that wants a simple plan , no signing up for csp/csr same day no calling recon no activating categories every 3 months no remembering to call and pc....etc
Basically a banks dream customer
What would you recommend for a a spender of 10k 15k and up ? Because this imo is 90% of the population.
Give me you’re answer what is better than this and I will be happy
Because so far no one gave me one
Post by: ChaimMoskowitz on April 23, 2018, 04:42:06 PM
The best approach IMO which is my approach is to hit cards hard yourself and try your hardest to get and keep your wife under 5/24 (just in time to get CFU :) )Who is coming out ahead?
Post by: Freecountry on April 23, 2018, 04:42:44 PM
No csp AND Cfu x3 use a calculatorfirst you say opening up two cards is not a problem so I offer you a plan that gets a lot more points then you say opening 2 cards is no good only opening 1 card so davidrotts63 offers his idea which is better than yours and now you say opening 2 cards are fine. So which is it? You're getting me dizzy. If two cards are fine do what I said if only card is fine then do what davidrotts63 said
Post by: Abey on April 23, 2018, 04:46:47 PM
first you say opening up two cards is not a problem so I offer you a plan that gets a lot more points then you say opening 2 cards is no good only opening 1 card so davidrotts63 offers his idea which is better than yours and now you say opening 2 cards are fine. So which is it? You're getting me dizzy. If two cards are fine do what I said if only card is fine then do what davidrotts63 said2 cards is simple enough if you don’t have to call to pc or downgrade imo
You’re free to disagree
Post by: mochjas on April 23, 2018, 05:04:45 PM
Who is coming out ahead?Im really not organized enough to know but its pretty close and different and good to have the best of both worlds
Post by: 12HRS on April 23, 2018, 09:01:47 PM
Who is coming out ahead?
the banks his wife didn't hit
Post by: Abey on April 23, 2018, 10:39:22 PM
Post by: yitzgar on April 23, 2018, 11:26:57 PM
Just noticed 24 month language on fu link. Has always been there ?All chase cards have it for years
Post by: davidrotts63 on April 25, 2018, 08:39:26 PM
That would make:
CSP - 24K spend: 55K/4K(50K SUB+5K AU)+20K/20K= 75K
CFU - 24K spend: 72k (@3ppd)+2.5k (AU) =74.5k
So it would take about 25k non-bonus spend during the first year to come out ahead with the CFU.
Post by: Dan on April 25, 2018, 08:45:52 PM
I just remembered something that makes a difference; Chase recently hasn't been letter downgrading the Sapphires during the first yearYMMV
Post by: davidrotts63 on April 25, 2018, 08:52:53 PM
YMMVIINM. More often then not they aren't allowing, which IMO is enough to apply as if they won't allow.
Post by: Abey on April 25, 2018, 09:37:12 PM
I just remembered something that makes a difference; Chase recently hasn't been letting downgrading the Sapphires during the first year, so in the calculations we have to consider all spend for the CSP after 4k as 1ppd if getting CSP SUB.And if you get both...
That would make:
CSP - 24K spend: 55K/4K(50K SUB+5K AU)+20K/20K= 75K
CFU - 24K spend: 72k (@3ppd)+2.5k (AU) =74.5k
So it would take about 25k non-bonus spend during the first year to come out ahead with the CFU.
Post by: Freecountry on April 25, 2018, 10:16:26 PM
I just remembered something that makes a difference; Chase recently hasn't been letting downgrading the Sapphires during the first year, so in the calculations we have to consider all spend for the CSP after 4k as 1ppd if getting CSP SUB.I downgraded a Sapphire in the first year with no problems what so ever
That would make:
CSP - 24K spend: 55K/4K(50K SUB+5K AU)+20K/20K= 75K
CFU - 24K spend: 72k (@3ppd)+2.5k (AU) =74.5k
So it would take about 25k non-bonus spend during the first year to come out ahead with the CFU.
Post by: davidrotts63 on April 25, 2018, 10:17:36 PM
I downgraded a Sapphire in the first year with no problems what so everHow long ago?
Post by: Freecountry on April 25, 2018, 10:21:10 PM
How long ago?a few months ago
Post by: davidrotts63 on April 25, 2018, 10:23:08 PM
a few months agoIt's more of a recent problem
Post by: jada135 on April 25, 2018, 10:50:35 PM
Post by: Freecountry on April 25, 2018, 11:08:58 PM
I applied for the 3x and when i received the card today all the language says 1.5 %. Feels like a big bait and switchNo it's just telling you the regular information about the card not about your bonus. I just don't think chase was try to scam people
Post by: rileywiles23 on May 01, 2018, 11:57:12 AM
Post by: davidrotts63 on May 01, 2018, 12:18:58 PM
Does upgrading a freedom to a SP prevent one from getting the sign up bonus for a SP, abnd having to wait 24 months.No. As long as you don't have the SP when applying
Post by: rileywiles23 on May 01, 2018, 12:20:22 PM
No. As long as you don't have the SPG when applyingThanks but where does SPG come in here ?
Post by: davidrotts63 on May 01, 2018, 12:22:14 PM
Thanks but where does SPG come in here ?Autocorrect 🤦♂
See edit
Post by: rileywiles23 on May 01, 2018, 12:24:37 PM
Autocorrect 🤦♂thanks
See edit
Post by: ChaimMoskowitz on May 06, 2018, 09:50:05 PM
Post by: davidrotts63 on May 06, 2018, 09:54:18 PM
Where is the FU 3% link?לפני עור לא תיתן מכשל.
Before the baling don't put a stumbling block. AKA don't allow an oblivious man fall into a trap :)
Post by: Dan on May 06, 2018, 09:55:44 PM
Where is the FU 3% link?DDMS?
Post by: aygart on May 06, 2018, 09:57:02 PM
לפני עור לא תיתן מכשל.Already got 100k from the 3%
Before the baling don't put a stumbling block. AKA don't allow an oblivious man fall into a trap :)
Post by: davidrotts63 on May 06, 2018, 09:57:30 PM
Already got 100k from the 3%You?
Post by: aygart on May 06, 2018, 10:00:51 PM
You?This will probably end up being my most lucrative bonus ever by the time I'm done in a year. They even gave DW a 50k cl to make it easy.
Post by: davidrotts63 on May 06, 2018, 10:01:43 PM
This will probably end up being my most lucrative bonus ever by the time I'm done in a year. They even gave DW a 50k cl to make it easy.Beware of an AA.
You've been warned.
Post by: ChaimMoskowitz on May 06, 2018, 10:04:26 PM
DDMS?It goes to 1.5%. I click on "3 points per dollar on everything". What am I doing wrong?
https://www.dansdeals.com/credit-cards/chase-freedom-unlimited-now-2-signup-bonus-options/
Post by: Dan on May 06, 2018, 10:05:19 PM
It goes to 1.5%. I click on "3 points per dollar on everything". What am I doing wrong?Might have died then?
https://www.dansdeals.com/credit-cards/chase-freedom-unlimited-now-2-signup-bonus-options/
Post by: ChaimMoskowitz on May 06, 2018, 10:06:17 PM
Might have died then?Not on Chases site either.
Post by: davidrotts63 on May 06, 2018, 10:06:59 PM
I blame @aygart.
@cm, I allow you to fix this link.
Post by: aygart on May 06, 2018, 10:07:13 PM
Beware of an AA.I am well aware. I have more leeway than most and I play my game very conservatively.
You've been warned.
Post by: Dan on May 06, 2018, 10:07:35 PM
I blame @aygart.LOL
Post by: Abey on May 06, 2018, 10:08:31 PM
Might have died then?seems dead
Anybody got a working link for the 3% freedom unlimited offer?
— Doctor Of Credit (@Drofcredit) May 4, 2018
Post by: davidrotts63 on May 06, 2018, 10:09:16 PM
I am well aware. I have more leeway than most and I play my game very conservatively.I know. You are a smart man.
As long as you know the risk, I'd bet you are safe.
Just making sure you know the risk.
Post by: ChaimMoskowitz on May 06, 2018, 10:10:00 PM
@cm, I allow you to fix this link.I never saved any backdoor links for this.
Post by: ChaimMoskowitz on May 06, 2018, 10:11:08 PM
I blame @aygart.Some individuals just don't know their limitations. :)
Post by: davidrotts63 on May 06, 2018, 10:12:19 PM
I never saved any backdoor links for this.He doesn't exist. You are the only @CM
Post by: ChaimMoskowitz on May 06, 2018, 10:12:50 PM
Post by: davidrotts63 on May 06, 2018, 10:13:41 PM
There should be a rule breaking negative news gets you a minus HT.One for you and one for your other aliases, you're at - 6 total.
Post by: aygart on May 06, 2018, 10:15:01 PM
Tried a few links, seems dead.I guarantee you they did not see anything but regular normal credit card usage.
I blame @aygart.
@cm, I allow you to fix this link.
Post by: ChaimMoskowitz on May 06, 2018, 10:16:10 PM
I guarantee you they did not see anything but regular normal credit card usage.Probably the gross of MAGA hats. :P
Post by: aygart on May 06, 2018, 10:18:01 PM
Probably the gross of MAGA hats.Lol. I don't even own one and never would. You know I can't stand Trump. He was just better than any alternative in November, but let's leave that it of this thread.
Post by: Dan on May 06, 2018, 10:21:53 PM
Lol. I don't even own one and never would. You know I can't stand Trump. He was just better than any alternative in November, but let's leave that it of this thread.+∞
Post by: mmgfarb on May 06, 2018, 11:59:25 PM
There should be a rule breaking negative news gets you a minus HT.Still trying to get rid of JTZ's?
Post by: mochjas on May 07, 2018, 09:46:13 AM
did you see somewhere that this is a limited time offer?looks like I was right.
Post by: myi on December 02, 2018, 04:41:51 AM
https://creditcards.chase.com/cash-back-credit-cards/chase-freedom-unlimited
Post by: haltkup on December 04, 2018, 12:19:48 PM
Post by: Essen est zich on December 04, 2018, 12:51:19 PM
Edit. To add Chase pay
Post by: chuckfinley on April 16, 2019, 10:45:37 AM
I have a Sapphire Reserve, Freedom Unlimited, Freedom, Ink Cash Card in my wallet.
Why should I continue to use my current Freedom Unlimited Card with the old 1.5 points per dollar benefit?
Shouldn't everyone who has a Freedom Unlimited Card just open another one for the new terms?
Am I missing something??
Thanks In Advance!
Post by: davidrotts63 on April 16, 2019, 11:03:15 AM
Post by: yitzgar on April 16, 2019, 11:09:24 AM
Post by: chuckfinley on April 16, 2019, 11:22:55 AM
Yes, if are eligible for another card you get one that earns 60k points after 5k spend, not 20k
What do you mean eligible for another card? Meaning the 5/24 rule? I should be good with the 5/24 rule however I just opened the Reserve Card a few weeks ago.
Post by: chuckfinley on April 16, 2019, 11:23:22 AM
What are the new benefits?
Check it out:
https://creditcards.chase.com/a1/freedom-unlimited-2X?CELL=6PH2&jp_cmp=cc/Freedom-General_Brand_BMM_Freedom_SEM_US_NA_Standard_NPV/sea/p25776457154/Chase+Freedom&ds_rl=1247288&gclid=EAIaIQobChMIou2ww_XU4QIVC-DICh3FvQnMEAAYASAAEgL1XvD_BwE
Post by: davidrotts63 on April 16, 2019, 11:25:30 AM
What do you mean eligible for another card? Meaning the 5/24 rule? I should be good with the 5/24 rule however I just opened the Reserve Card a few weeks ago.However you interpret eligible, if you are getting a card, why this
Post by: yitzgar on April 16, 2019, 11:53:16 AM
Check it out:Please change the title to freedom unlimited new sign up bonus
https://creditcards.chase.com/a1/freedom-unlimited-2X?CELL=6PH2&jp_cmp=cc/Freedom-General_Brand_BMM_Freedom_SEM_US_NA_Standard_NPV/sea/p25776457154/Chase+Freedom&ds_rl=1247288&gclid=EAIaIQobChMIou2ww_XU4QIVC-DICh3FvQnMEAAYASAAEgL1XvD_BwE
Post by: chuckfinley on April 16, 2019, 12:27:05 PM
However you interpret eligible, if you are getting a card, why this
You saw what I have in my wallet. What else would you suggest.?
I have a Sapphire Reserve, Freedom Unlimited, Freedom, Ink Cash Card in my wallet.
I can't get another Sapphire bonus. Freedom is not needed. What other option do I have?
Post by: chilipalmer on April 16, 2019, 12:29:29 PM
Post by: davidrotts63 on April 16, 2019, 12:29:51 PM
Post by: chuckfinley on April 16, 2019, 12:33:25 PM
Chase Ink Preferred has a very nice signup bonus (currently 80k).
Was looking for no annual fee. I think opening another Freedom Card is the way to go. Anyone see anything wrong with my thinking?
Post by: ari3 on April 16, 2019, 09:33:19 PM
Was looking for no annual fee. I think opening another Freedom Card is the way to go. Anyone see anything wrong with my thinking?If you already have the freedom unlimited I don't think they will approve you for another one. Also the 3% is basically the new signup bonus not new terms on the card.
Another option would be the ink unlimited which has 50000 point bonus and gives you 1.5%
Post by: ROYA on September 11, 2019, 01:00:09 PM
Post by: haltkup on January 14, 2020, 11:35:39 AM
Jan 15 - March 31 (must activate by 3/31)
utilities/insurance/phone/cable-internet
Not sure if its targeted
Post by: farmbochur on January 14, 2020, 11:44:20 AM
Post by: haltkup on January 14, 2020, 11:47:56 AM
Post by: M218 on January 15, 2020, 03:49:58 AM
got an offer for 5% off select bills up to $2000Same here Got one Yesterday by Email
Jan 15 - March 31 (must activate by 3/31)
utilities/insurance/phone/cable-internet
Not sure if its targeted
Turn your bills into rewards
Earn a total of 5% Cash Back on up to $2,000 in purchases when you pay select bills with your Chase Freedom Unlimited® credit card between January 15 and March 31, 2020.*
Click to activate
Post by: Eb228 on January 15, 2020, 09:04:55 PM
got an offer for 5% off select bills up to $2000
Jan 15 - March 31 (must activate by 3/31)
utilities/insurance/phone/cable-internet
Not sure if its targeted
Got this on my CHase Amazon & Chase IHG cards
Post by: Aps on January 24, 2020, 12:02:51 AM
got an offer for 5% off select bills up to $2000I also got this on my freedom unlimited
Jan 15 - March 31 (must activate by 3/31)
utilities/insurance/phone/cable-internet
Not sure if its targeted
Post by: puddles on March 23, 2020, 10:50:48 AM
Post by: justaregularguy on September 01, 2020, 01:58:10 PM
starting 9/13/20 the unlimited card will earn 5% on travel, 3% on dining, as well as 3% on drugstore purchases. this may work with gc's in drugstores like cvs and the like. although if you have the ink card it cant beat 5% at office supply stores, but its still up there i guess.
@Dan hat tip worthy..? :-X
Post by: yochai on September 01, 2020, 02:12:28 PM
@Dan hat tip worthy..? :-XNo
https://www.dansdeals.com/credit-cards/chase-adds-new-categories-freedom-unlimited-will-launch-freedom-flex-mastercard/
Post by: Mf1 on September 01, 2020, 03:12:10 PM
The best u can do is try to get the store to at least give u store credit or try t sell on OfferUp or something...
I purchased some items for Pesach yesterday and the store is not allowing returns (Amazing Savings). i had to use my Chase freedom unlimited. Is there anything I can do with items that need to be returned. Is there any sort of protection?
Post by: justaregularguy on September 01, 2020, 05:10:01 PM
No😠
https://www.dansdeals.com/credit-cards/chase-adds-new-categories-freedom-unlimited-will-launch-freedom-flex-mastercard/
Post by: ffam on October 15, 2020, 12:42:21 AM
Anyone else had this? Any tips on what I can do next?
I already have a Freedom Unlimited and only signed up specifically for this bonus.
Post by: Tracylach on November 15, 2020, 12:24:22 AM
I signed up for the Freedom Unlimited for the 5x Grocery. When I got my first statement it was just giving me the regular 1.5. I called to see why that was happening and the rep started telling me that there is no such thing as the 5x on grocery. I directed him chase.com where it clearly was still showing that this was the signup promotion. He said he will put a note in my account to make sure it gets updated. I just received a letter from chase telling me they are confirming that this promotion expired and will not be receiving the 5x on groceries.Did you ever get this resolved? I had the same issue, and was never able to speak to a person directly about it. I had to call back to find out what was written in my notes.
Anyone else had this? Any tips on what I can do next?
I already have a Freedom Unlimited and only signed up specifically for this bonus.
Post by: Esther on January 18, 2021, 08:09:29 PM
As a side note, if I do use another card, am I able to change payment on a United reservation assuming I receive it before my flight?
Post by: Shaya E on January 18, 2021, 10:13:15 PM
I signed up for this card last week and still have not received it. I want to use it to book a flight but the Chase rep I spoke to said she can't give me the expiration or CVV. Any options or am I forced to use another card?
As a side note, if I do use another card, am I able to change payment on a United reservation assuming I receive it before my flight?
You can add it to a mobile wallet from within the app.
Post by: Esther on January 19, 2021, 12:16:13 PM
You can add it to a mobile wallet from within the app.
Thanks, I was able to link it to Google Pay but when I try to check out in UR through the Chase app it's only giving me the option to add a CC number.
Post by: neveryou on February 09, 2021, 11:45:29 AM
Post by: bw1985 on February 09, 2021, 12:25:29 PM
If me and my wife bank together with chase, can I refer her for the freedom card and get the refer bonus?
Yes