Post by: Freecountry on March 23, 2018, 08:46:47 AM
Post by: ygygold on March 23, 2018, 10:53:04 AM
Chase ink cash raised the sign up bonus from $300 to $500
Was just about to post this. I was in bank to open some accounts, and the guy offered me the new bonus.
Not sure if it's better to do it online, or in person. Any thoughts?
EDIT: did it online, got approved for 45k
Post by: ChaimMoskowitz on March 23, 2018, 10:56:38 AM
Post by: ygygold on March 23, 2018, 10:59:51 AM
Is this actual cash or UR points converted to cash?
UR points converted to cash
Post by: mmgfarb on March 23, 2018, 11:01:03 AM
Was just about to post this. I was in bank to open some accounts, and the guy offered me the new bonus.Why not just get an Ink Preferred instead?
Not sure if it's better to do it online, or in person. Any thoughts?
EDIT: did it online, got approved for 45k
Post by: Dan on March 23, 2018, 11:02:46 AM
Post by: ygygold on March 23, 2018, 11:05:10 AM
Why not just get an Ink Preferred instead?
Annual fee. I know that technically I'm not losing money, since I make up the difference in points.
I'll find out if Google ads qualify as social media bonus categories. If yes, I'll probably open it in a year from now. I'll be able to get the years bonus in a month...
Post by: Freecountry on March 23, 2018, 11:41:31 AM
Why not just get an Ink Preferred instead?ink preferred doesn't have 5% back categories
Post by: davidrotts63 on March 23, 2018, 11:42:47 AM
ink preferred doesn't have 5% back categoriesGet the increased bonus, make a product change and boom 80k with 5x categories while barely paying an AF
Post by: mmgfarb on March 23, 2018, 11:43:10 AM
ink preferred doesn't have 5% back categoriesTrue, but the sign up bonus is almost double. After getting the SUB, you can just downgrade to a cash.
Post by: Dan on March 23, 2018, 11:45:04 AM
Post by: davidrotts63 on March 23, 2018, 11:46:23 AM
Can you downgrade within 12 months?I did it after 2 months, and that was already once the Sapphire 12 month restriction was around.
Post by: Freecountry on March 23, 2018, 11:50:35 AM
True, but the sign up bonus is almost double. After getting the SUB, you can just downgrade to a cash.ink preferred is 30000 more points that means if you spend more than $6000 in the 5× points category you did better
Post by: mmgfarb on March 23, 2018, 11:51:28 AM
ink preferred is 30000 more points that means if you spend more than $6000 in the 5× points category you did betterThe point is that you can get the higher SUB and still downgrade to get the 5x.
Post by: Dan on March 23, 2018, 11:52:16 AM
Post by: davidrotts63 on March 23, 2018, 11:53:04 AM
Or get both :)No.
As many inks as you are getting, get Preferreds. :) :)
Post by: mmgfarb on March 23, 2018, 11:53:15 AM
Or get both :)True but if he's only getting one anyway...
Post by: Dan on March 23, 2018, 11:54:29 AM
No.Then you need more businesses.
As many inks as you are getting, get Preferreds. :) :)
Post by: davidrotts63 on March 23, 2018, 11:55:38 AM
Then you need more businesses.-1
You can get multiple for one business, although you may need some more time between approvals.
Post by: ChaimMoskowitz on March 23, 2018, 12:01:50 PM
UR points converted to cashSame transfer partners, Hyatt?
Post by: davidrotts63 on March 23, 2018, 12:04:08 PM
Same transfer partners, Hyatt?It's regular UR, but the card can't transfer, so as long as you or your spouse have a card that can transfer to partners (including Hyatt) UR earned from the CIC can be transferred too.
Post by: reebiks on March 23, 2018, 12:05:39 PM
Post by: ChaimMoskowitz on March 23, 2018, 12:06:27 PM
I don't have a business. Can I still sign up for chase ink to get the $500 bonus?That would be fraud.
Post by: mmgfarb on March 23, 2018, 12:06:38 PM
It's regular UR, although it can transfer, so as long as you or your spouse has a card that can transfer to partners (including Hyatt) these points can be transferred tooI don't know if you made a typo or just explained that horribly but that made no sense.
Post by: mmgfarb on March 23, 2018, 12:07:11 PM
Same transfer partners, Hyatt?You'll have to do a UR-UR transfer to a card that can transfer to partners.
Post by: ChaimMoskowitz on March 23, 2018, 12:08:21 PM
I don't know if you made a typo or just explained that horribly but that made no sense.I took it to mean if I have another UR card that allows transfers to Hyatt these points will also transfer, no?
Post by: davidrotts63 on March 23, 2018, 12:08:49 PM
I don't know if you made a typo or just explained that horribly but that made no sense.Better?
(there was one bad typo, the rest was my horrible writing)
Post by: davidrotts63 on March 23, 2018, 12:10:07 PM
I took it to mean if I have another UR card that allows transfers to Hyatt these points will also transfer, no?Yes
You'll have to do a UR-UR transfer to a card that can transfer to partners.
Post by: mmgfarb on March 23, 2018, 12:10:15 PM
Better?Well then maybe you should be a little more careful, the difference between "can" and "can't" is kinda big.
(there was one bad typo, the rest was my horrible writing)
Post by: reebiks on March 23, 2018, 12:11:04 PM
Post by: Dan on March 23, 2018, 12:24:53 PM
What is a good card recommendation. Have $12,000 purchase coming up, is there one account that I can get good rewards for that?https://www.dansdeals.com/credit-cards/chase-quadfecta-least-23-arent-rightbut/
Post by: Freecountry on March 23, 2018, 01:08:27 PM
That would be fraud.-1 if you're planning on opening a business that's good enough even if it means just selling things on ebay
Post by: ChaimMoskowitz on March 23, 2018, 01:15:39 PM
-1 if you're planning on opening a business that's good enough even if it means just selling things on ebayIf the intent is pretending you have a business to get the card for SUB that is fraud. Try and justify it any way you want.
Post by: Chaimk90 on March 25, 2018, 10:16:16 PM
Post by: davidrotts63 on March 25, 2018, 10:16:51 PM
Is this Card subject to 5/24?Yes.
Post by: Cappy on March 26, 2018, 08:35:53 AM
Requested expedited and hopefully should be here in a few days.
Just wondering though why it still hasn’t shown up on my online account.
I assumed after approval, it would instantly show.
Any ideas?
Post by: ChaimMoskowitz on March 26, 2018, 08:51:57 AM
Any ideas?Sit back and relax.
Post by: davidrotts63 on March 26, 2018, 08:58:57 AM
Applied yesterday and got approved.Is this your first Chase business card? Because Chase doesn't add business card to your personal login you'd have to make a new one.
Requested expedited and hopefully should be here in a few days.
Just wondering though why it still hasn’t shown up on my online account.
I assumed after approval, it would instantly show.
Any ideas?
Sit back and relax.You've been away from Chase for too long :)
Post by: ChaimMoskowitz on March 26, 2018, 09:06:19 AM
You've been away from Chase for too long :)You have me confused with someone else.
Post by: davidrotts63 on March 26, 2018, 09:07:41 AM
You have me confused with someone else.I may confuse that facts about you. But I'd NEVER confuse you with someone else. Not possible.
Post by: Cappy on March 26, 2018, 09:57:07 AM
Is this your first Chase business card? Because Chase doesn't add business card to your personal login you'd have to make a new one. You've been away from Chase for too long :)
Yup. First business card with Chase.
I assume I need to wait for the actual physical card to create the login? Or possible to to do before hand?
Post by: jbwan on March 26, 2018, 10:05:26 AM
Post by: davidrotts63 on March 26, 2018, 10:07:44 AM
This is a first. I applied for Ink cash under sole proprietor, and chase held it up under the Patriot Act and said I need to provide proof of business name through IRS records, utility bills or articles of incorporation. I have never had this happen before. Usually just use a random name as the company name and say I sell things online. Should I just be using my own name as the company name? TYVM.You should be using your own name for safety. It seems this has been happening lately, you have to call recon and hope they ignore it. Or if it's the same day reapply with your name.
This isn't your first Chase business card?
Post by: ChaimMoskowitz on March 26, 2018, 10:09:59 AM
This is a first. I applied for Ink cash under sole proprietor, and chase held it up under the Patriot Act and said I need to provide proof of business name through IRS records, utility bills or articles of incorporation. I have never had this happen before. Usually just use a random name as the company name and say I sell things online. Should I just be using my own name as the company name? TYVM.Why not just give them what they ask for? What's the big deal?
Post by: jbwan on March 26, 2018, 10:10:55 AM
You should be using your own name for safety. It seems this has been happening lately, you have to call recon and hope they ignore it. Or if it's the same day reapply with your name.
This isn't your first Chase business card?
I have another Ink and a few AMEX business cards. I applied for it last night and called the reference number this AM when they told me hold up was Patriot Act. Too late to reapply on my own name with my name as the company or call back and ask to alter app?
Post by: jbwan on March 26, 2018, 10:11:55 AM
Why not just give them what they ask for? What's the big deal?
Because I don't have any of those documents. I sell a few things on ebay, but don't have any official sole proprietorship documents that they want.
Post by: davidrotts63 on March 26, 2018, 10:18:46 AM
I hCall back and ask for a reconsideration only if they mention that you need those docs should you ask them to alter name
I have another Ink and a few AMEX business cards. I applied for it last night and called the reference number this AM when they told me hold up was Patriot Act. Too late to reapply on my own name with my name as the company or call back and ask to alter app?
Post by: bettyblue on March 26, 2018, 10:35:09 AM
I hI had the same issue with CIP, used my unregistered buisness name, called recon and the rep was able to change the app to my name, no issues
I have another Ink and a few AMEX business cards. I applied for it last night and called the reference number this AM when they told me hold up was Patriot Act. Too late to reapply on my own name with my name as the company or call back and ask to alter app?
Post by: davidrotts63 on March 26, 2018, 10:36:26 AM
I had the same issue with CIP, used my unregistered buisness name, called recon and the rep was able to change the app to my name, no issuesYMMV so don't suggest it until they aren't willing to do anything else
Post by: bettyblue on March 26, 2018, 11:12:05 AM
YMMV so don't suggest it until they aren't willing to do anything elseOf course, just a DP
Post by: sam2015 on March 26, 2018, 11:40:36 AM
Post by: jbwan on March 26, 2018, 01:28:14 PM
I had the same issue with CIP, used my unregistered buisness name, called recon and the rep was able to change the app to my name, no issues
I called them and took your advice. They were willing to change to my name and then I was approved.
Post by: Dan on March 26, 2018, 01:31:15 PM
I called them and took your advice. They were willing to change to my name and then I was approved.Nice!
Share your experience on DD:
https://www.dansdeals.com/points-travel/milespoints/highest-public-offer-ever-earn-50000-point-signup-bonus-awesome-no-annual-fee-chase-ink-cash-card/
Post by: Abey on March 26, 2018, 01:41:40 PM
Nice!What do you suggest? Applying with name or business name ?
Share your experience on DD:
https://www.dansdeals.com/points-travel/milespoints/highest-public-offer-ever-earn-50000-point-signup-bonus-awesome-no-annual-fee-chase-ink-cash-card/
Post by: davidrotts63 on March 26, 2018, 01:44:27 PM
What do you suggest? Applying with name or business name ?As a sole proprietor it is always recommended to use your name as the business name.
Post by: jbwan on March 26, 2018, 04:13:21 PM
Nice!
Share your experience on DD:
https://www.dansdeals.com/points-travel/milespoints/highest-public-offer-ever-earn-50000-point-signup-bonus-awesome-no-annual-fee-chase-ink-cash-card/
Just did!
Post by: B.D.Da'ehu on March 27, 2018, 02:54:38 PM
I called them and took your advice. They were willing to change to my name and then I was approved.Same here. Didn't even have to ask to change it to my name. After i said i file my taxes under my own name and not the business name she put me on hold and came back and said i was approved.
Post by: LoLo on March 27, 2018, 05:40:34 PM
As a sole proprietor it is always recommended to use your name as the business name.+1. especially with Amex, in case of an FR.
Post by: ChaimMoskowitz on March 27, 2018, 05:42:17 PM
+1. especially with Amex, in case of an FR.-1000000000000000
You put down the legal name of the business. The problem is when so many are pretending they have a business.
Post by: sky121 on March 27, 2018, 05:45:28 PM
This is a first. I applied for Ink cash under sole proprietor, and chase held it up under the Patriot Act and said I need to provide proof of business name through IRS records, utility bills or articles of incorporation. I have never had this happen before. Usually just use a random name as the company name and say I sell things online. Should I just be using my own name as the company name? TYVM.When they ask for bus name and it's not a registered official name you give them is that a legal problem? What if someone has a small side business and that's what they call it but it's not registered ?
One they pay taxes on etc.
(An actual business, not a 'made up' one to apply)
Post by: davidrotts63 on March 27, 2018, 05:51:04 PM
When they ask for bus name and it's not a registered official name you give them is that a legal problem? What if someone has a small side business and that's what they call it but it's not registered ?
One they pay taxes on etc.
(An actual business, not a 'made up' one to apply)
-1000000000000000
You put down the legal name of the business. The problem is when so many are pretending they have a business.
AFAIK you can have a legal Sole proprietor with a DBA as a random name, not your own name. And when it comes to taxes they have no idea, and don't need to have an idea that you are doing business as "CM biweekly Vegas trip" rather you earned the money via self employment. More then that is irrelevant.
If I resell 10k of products annually, I thereby have a sole prop. And FWIW my business can DBA "I'm a troll".(
) CMIIW.
Post by: ChaimMoskowitz on March 27, 2018, 05:55:36 PM
AFAIK you can have a legal Sole proprietor with a DBA as a random name, not your own name. And when it comes to taxes they have no idea, and don't need to have an idea that you are doing business as "CM biweekly Vegas trip" rather you earned the money via self employment. More then that is irrelevant.You put down the legal name of your business. It is that simple. The problem is many have no business so they want to know how to get around that. We both know what is going on.
If I resell 10k of products annually, I thereby have a sole prop. And FWIW my business can DBA "I'm a troll".(
CMIIW.
Post by: LoLo on March 27, 2018, 05:56:16 PM
-1000000000000000We're talking sole prop. without legal business docs.
You put down the legal name of the business. The problem is when so many are pretending they have a business.
That's what I did before opening my corp.
Wasn't worth he hassle of opening a corp when i was just starting out to test the waters.
Post by: mmgfarb on March 27, 2018, 05:56:48 PM
You put down the legal name of your business. It is that simple. The problem is many have no business so they want to know how to get around that. We both know what is going on.Creating an LLC is ridiculously easy, this shouldn't really be a problem for anyone.
Post by: davidrotts63 on March 27, 2018, 05:58:34 PM
You put down the legal name of your business. It is that simple.+1
The problem is many have no registered legal business, rather they are applying as a sole proprietor.FTFY
There is something called a Sole Proprietor, which can RIGHTFULLY lead to such questions.
Post by: davidrotts63 on March 27, 2018, 05:59:03 PM
Creating an LLC is ridiculously easy, this shouldn't really be a problem for anyone.Does it change how you have to file taxes?
Post by: ChaimMoskowitz on March 27, 2018, 06:03:11 PM
There is something called a Sole Proprietor, which can RIGHTFULLY lead to such questions.What are you talking about? A SP is a legal business. None of mine have my name as DBA.
Post by: davidrotts63 on March 27, 2018, 06:06:30 PM
What are you talking about? A SP is a legal business. None of mine have my name as DBA.It's a legal business which isn't registered anywhere. Now that it isn't registered anywhere Why can't your DBA be something other than your name?
Post by: ChaimMoskowitz on March 27, 2018, 06:10:33 PM
It's a legal business which isn't registered anywhere. Now that it isn't registered anywhere Why can't your DBA be something other than your name?Not sure what you are getting at or what you are asking. The OP was about putting down the name of the business for a SP. Many said put down your own name. You but down the legal name of the business. If you don't have a legal business don't apply and commit fraud.
Post by: davidrotts63 on March 27, 2018, 06:18:17 PM
Not sure what you are getting at or what you are asking. The OP was about putting down the name of the business for a SP. Many said put down your own name. You but down the legal name of the business. If you don't have a legal business don't apply and commit fraud.Granted.
But if it's a SP and the there is no legal/registered business name.
If you are doing business as your self, without a "business" at all, say your friends call you up to do IT work for them you write your own name, because that's your DBA.
But if to your neighbor your business is called "Yaakov's IT" to your shver its "Yankel's IT" and to your goyish friend its "Jack's IT".
What do you write then?
Post by: ChaimMoskowitz on March 27, 2018, 06:30:40 PM
Granted.This will help you. Also check with your state/local laws.
But if it's a SP and the there is no legal/registered business name.
If you are doing business as your self, without a "business" at all, say your friends call you up to do IT work for them you write your own name, because that's your DBA.
But if to your neighbor your business is called "Yaakov's IT" to your shver its "Yankel's IT" and to your goyish friend its "Jack's IT".
What do you write then?
https://www.entrepreneur.com/article/77798
Post by: sky121 on March 27, 2018, 06:36:35 PM
This will help you. Also check with your state/local laws.Still haven't figured out if it's a legal issue to not have registered my business name and if when applying I am better off using my own name as the business name.
https://www.entrepreneur.com/article/77798
Can anyone shed any light on this?
Post by: davidrotts63 on March 27, 2018, 06:39:04 PM
Still haven't figured out if it's a legal issue to not have registered my business name and if when applying I am better off using my own name as the business name.
Can anyone shed any light on this?
From an approval standpoint, you name is best.
Post by: sky121 on March 27, 2018, 06:41:36 PM
I'm asking from a legal standpoint.
From an approval standpoint, you name is best.
Post by: Ygold on March 27, 2018, 06:47:19 PM
From an approval standpoint, you name is best.
Why?
Post by: davidrotts63 on March 27, 2018, 06:48:36 PM
Why?GIYF. There are many reports that suggest that. As we see more recently with Chase asking for proof of business unless you use your own name.
Post by: Moshe26 on March 28, 2018, 01:10:10 AM
Post by: mmgfarb on March 28, 2018, 02:54:29 AM
I got my wife the CIP last year and downgraded a month ago to ink cash to avoid AF. She's still under 5/24. Can I get her this new ink cash offer if she already has one card open? And how about getting CIP? Does she need to wait another year to be eligible for the bonus?You can get either, no need to wait.
Post by: Mr. CC on March 28, 2018, 01:36:25 PM
I got my wife the CIP last year and downgraded a month ago to ink cash to avoid AF. She's still under 5/24. Can I get her this new ink cash offer if she already has one card open? And how about getting CIP? Does she need to wait another year to be eligible for the bonus?chances are you won't get approved for the card that you now have open
Post by: Abey on April 09, 2018, 09:43:17 PM
This will help you. Also check with your state/local laws.I actually went and read that, found this “In fact, no formal filing or event is required to form a sole proprietorship; it is a status that arises automatically from one's business activity.”
https://www.entrepreneur.com/article/77798
Post by: TAVI on May 02, 2018, 05:49:34 PM
If not, how long after closing it can I apply and get the bonus? again, I never received a bonus for Ink Cash before.
tia
Post by: Abey on June 24, 2018, 09:07:29 PM
Post by: Abey on June 24, 2018, 09:13:46 PM
If this is true.... https://frequentmiler.boardingarea.com/2018/06/24/is-chase-taking-away-our-ink-cash-5x-categories/
https://creditcards.chase.com/ink-business-credit-cards/customers/ink-cash-back/card-details
Big question is if current card holders will keep earning structure
Post by: Dan on June 24, 2018, 09:37:52 PM
https://creditcards.chase.com/ink-business-credit-cards/customers/ink-cash-back/card-details#FakeNews
Big question is if current card holders will keep earning structure
Post by: davidrotts63 on June 24, 2018, 09:38:16 PM
#FakeNewsPheeeeeeew
Post by: Abey on June 24, 2018, 09:41:45 PM
#FakeNewsWhaddaya mean ? It shows 3% at office
Post by: davidrotts63 on June 24, 2018, 09:43:47 PM
Post by: Abey on June 24, 2018, 09:47:34 PM
Post by: Dan on June 24, 2018, 10:29:44 PM
Post by: davidrotts63 on June 24, 2018, 10:30:17 PM
It's an old page.
It shows the plus if you Google too.
Post by: Abey on June 24, 2018, 10:58:15 PM
It's an old page.Sorry for bothering ya’ll
