Author Topic: Misc Credit Card Questions  (Read 548785 times)

Offline BP16

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Re: Misc Credit Card Questions
« Reply #5625 on: February 26, 2017, 03:49:10 PM »
-1 YMMV
Everything is ymmv the point is that it's not like AA and DL

Offline Wizard

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Re: Misc Credit Card Questions
« Reply #5626 on: February 26, 2017, 05:38:02 PM »
so let me ask straight
Anyone with experience?
Chase AF refund
30 days from charge, or from statement (which would probably mean 60 days from charge)
He is correct, from date billed/charged
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Offline Wizard

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Re: Misc Credit Card Questions
« Reply #5627 on: February 26, 2017, 05:40:04 PM »
Any reason for my friend to keep open Reserve card opened in December and got double dip at $300 travel credit and 100k bonus already not to close their card now and get $450 AF back? Seems like a better option than to leave open and get another $300 in December but pay the $450. Correct? Maybe I'm missing something? Thanks so much!
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Offline as2

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Re: Misc Credit Card Questions
« Reply #5628 on: February 26, 2017, 05:49:51 PM »
Any reason for my friend to keep open Reserve card opened in December and got double dip at $300 travel credit and 100k bonus already not to close their card now and get $450 AF back? Seems like a better option than to leave open and get another $300 in December but pay the $450. Correct? Maybe I'm missing something? Thanks so much!
Keep in mind, he will also get the additional ppd the reserve offers for the remainder of the year... Can be a substantial value to some...
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Offline David Smith

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Re: Misc Credit Card Questions
« Reply #5629 on: February 26, 2017, 05:52:56 PM »
Any reason for my friend to keep open Reserve card opened in December and got double dip at $300 travel credit and 100k bonus already not to close their card now and get $450 AF back? Seems like a better option than to leave open and get another $300 in December but pay the $450. Correct? Maybe I'm missing something? Thanks so much!
If he opened it in December he's not getting his AF back.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Offline Wizard

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Re: Misc Credit Card Questions
« Reply #5630 on: February 26, 2017, 06:05:11 PM »
Keep in mind, he will also get the additional ppd the reserve offers for the remainder of the year... Can be a substantial value to some...
Ppd=points per dollar? His wife has Reserve card still and he uses for travel/dining. Is that what you meant?

If he opened it in December he's not getting his AF back.
Chase wrote in SM that bec he was charged AF on 01/01/17, he has until 03/02/17 to downgrade and get full AF back. Doesn't make sense?
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Offline as2

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Re: Misc Credit Card Questions
« Reply #5631 on: February 26, 2017, 06:06:07 PM »


Ppd=points per dollar? His wife has Reserve card still and he uses for travel/dining. Is that what you meant?
Chase wrote in SM that bec he was charged AF on 01/01/17, he has until 03/02/17 to downgrade and get full AF back. Doesn't make sense?

Yes. Clearly the extra ppd would have no value to him

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Offline David Smith

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Re: Misc Credit Card Questions
« Reply #5632 on: February 26, 2017, 06:06:54 PM »


Chase wrote in SM that bec he was charged AF on 01/01/17, he has until 03/02/17 to downgrade and get full AF back. Doesn't make sense?
The official Chase rule is that you only have 30 days. That's fascinating. Either the SM rep was ignorant, or Chase is backtracking.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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Online mmgfarb

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Re: Misc Credit Card Questions
« Reply #5633 on: February 26, 2017, 06:09:30 PM »
The official Chase rule is that you only have 30 days. That's fascinating. Either the SM rep was ignorant, or Chase is backtracking.
It doesn't make sense for chase to backtrack at this point, my guess is that the rep wither made a mistake or is ignorant. Either way he should be able to use that SM to get the full refund.
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Offline Wizard

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Re: Misc Credit Card Questions
« Reply #5634 on: February 26, 2017, 06:52:17 PM »

Yes. Clearly the extra ppd would have no value to him
The official Chase rule is that you only have 30 days. That's fascinating. Either the SM rep was ignorant, or Chase is backtracking.

It doesn't make sense for chase to backtrack at this point, my guess is that the rep wither made a mistake or is ignorant. Either way he should be able to use that SM to get the full refund.
Thanks guys. I also thought I would only get prorated after 30 days (this was discussed on previous page here w TimT).. either way it would make sense to close as it would be $75 prorated for 2 months..
Thanks!!
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Re: Misc Credit Card Questions
« Reply #5635 on: February 26, 2017, 06:52:54 PM »
Thanks guys. I also thought I would only get prorated after 30 days (this was discussed on previous page here w TimT).. either way it would make sense to close as it would be $75 prorated for 2 months..
Thanks!!
Downgrade, don't close.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline Wizard

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Re: Misc Credit Card Questions
« Reply #5636 on: February 26, 2017, 06:56:01 PM »
Downgrade, don't close.
Yes of course - will downgrade to either Freedom or Freedom Unl - whichever they already have (so as not to lose the signup bonus)
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Online TimT

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Re: Misc Credit Card Questions
« Reply #5637 on: February 26, 2017, 10:42:46 PM »
What else can an ink plus be downgraded to besides for ink cash ?

Offline PillanSmye

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Re: Misc Credit Card Questions
« Reply #5638 on: February 27, 2017, 09:26:20 PM »
What else can an ink plus be downgraded to besides for ink cash ?

Nothing.

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Re: Misc Credit Card Questions
« Reply #5639 on: February 27, 2017, 09:35:07 PM »