Author Topic: Misc Credit Card Questions  (Read 724379 times)

Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8625 on: May 28, 2019, 07:32:58 PM »
Hi,

So this is what's in my wallet.

- Chase Freedom (Used to be a Sapphire Preffered for 4 years, Just downgraded a few months ago)
- Chase Freedom Unlimited
- Chase Sapphire Reserve (Just opened a few months ago)
- Chase Ink Business Cash

The Freedom Unlimited card that I have in my wallet only gets the 1.5 Ultimate Rewards while the new Freedom Unlimited offers 3 points up to 20K in spending and then 1.5

This new offer is much better than my current Freedom Unlimited card. I use my Freedom Unlimited Card for everyday spending so I a giving up a lot of points with the old offer.

What do I do?
Close the card and open a new one?
Can I open a 2nd Freedom Unlimited Card under the same account?

Thanks in Advance!
the main value you get is welcome bonuses.
Is 3x on a new Unlimited on 1st 20k more then other welcome offers from cards you don't yet have?

Imo if you're looking for a new card, take advantage of a welcome offer and once you reach the minimum spend either look to get another card or go back to using the best card for each purchase.
Chase has great Biz card offers but if you only want personal cards maybe look into getting the 70k Barclays Arrival offer or really any other card with fine offers. Amex, Cap1, Citi, Barclays
Common sense is not common enough

Offline Wizard

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Re: Misc Credit Card Questions
« Reply #8626 on: May 28, 2019, 09:39:47 PM »
Send a referral. The rest is self explanatory when you click through the link.

And no, there usually isnít a hard pull, but YMMV
TYSM! Will I get the referral bonus too?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8627 on: May 28, 2019, 10:10:41 PM »
TYSM! Will I get the referral bonus too?
Isn't that the point?
Common sense is not common enough

Offline Wizard

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Re: Misc Credit Card Questions
« Reply #8628 on: May 29, 2019, 12:14:32 AM »
Isn't that the point?
Yeh youíre right. Thx.


Anything Iím supposed to do before downgrading/closing out an Amex card? Besides moving credit line and asking for retention offer?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline as2

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Re: Misc Credit Card Questions
« Reply #8629 on: May 29, 2019, 09:07:20 AM »
Yeh youíre right. Thx.


Anything Iím supposed to do before downgrading/closing out an Amex card? Besides moving credit line and asking for retention offer?
Make sure you have a way of keeping points alive. If it's a co-branded card, you're fine, if MR, make sure you have another MR card, or transfer out.
Memories last forever, make them while you can.

Offline as2

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Re: Misc Credit Card Questions
« Reply #8630 on: May 29, 2019, 12:21:31 PM »
Now chase decides to send out an email about the name change...
Memories last forever, make them while you can.

Offline Yitzshpitz

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Re: Misc Credit Card Questions
« Reply #8631 on: May 29, 2019, 12:42:48 PM »
How long does it take credit bureau to register a change in card brand? For example if I switched my Chase Saphire Preferred to a Chase freedom Unlimited how long before it will show up as a freedom and not a sapphire on report ?

Offline davidrotts63

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Re: Misc Credit Card Questions
« Reply #8632 on: May 29, 2019, 12:48:21 PM »
How long does it take credit bureau to register a change in card brand? For example if I switched my Chase Saphire Preferred to a Chase freedom Unlimited how long before it will show up as a freedom and not a sapphire on report ?
An eternity. That's not reported. Unless the numbers change then they report that.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline chuckfinley

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Re: Misc Credit Card Questions
« Reply #8633 on: May 29, 2019, 01:34:49 PM »
the main value you get is welcome bonuses.
Is 3x on a new Unlimited on 1st 20k more then other welcome offers from cards you don't yet have?

Imo if you're looking for a new card, take advantage of a welcome offer and once you reach the minimum spend either look to get another card or go back to using the best card for each purchase.
Chase has great Biz card offers but if you only want personal cards maybe look into getting the 70k Barclays Arrival offer or really any other card with fine offers. Amex, Cap1, Citi, Barclays

But this didnt answer the question?
I am sticking to Chase only.

Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8634 on: May 29, 2019, 06:41:04 PM »
But this didnt answer the question?
I am sticking to Chase only.
I can only understand your question from the words you used...
Did you write you're only sticking with Chase?

So I wrote that better option for every day spend would be to get a $500 welcome bonus for a Chase ink card (probably Ink Unlimited would be best for every day spend) or get any other new card with a decent offer.

If you're specifically only asking how to get x3 with freedom Unlimited you gotta write that...
Common sense is not common enough

Offline jayz

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Re: Misc Credit Card Questions
« Reply #8635 on: May 29, 2019, 08:16:04 PM »
Not really a hard limit, but tread carefully. 2bis probably where I'd put the max.
what do you mean by "2bis", do you mean 2 bussiness cards? what about personal cards?

Offline jayz

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Re: Misc Credit Card Questions
« Reply #8636 on: May 29, 2019, 08:42:26 PM »
would i be able to get 2 barclaycards, for example an arrival and a lufthansa card at the same time?

Offline chuckfinley

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Re: Misc Credit Card Questions
« Reply #8637 on: May 29, 2019, 09:22:45 PM »
I can only understand your question from the words you used...
Did you write you're only sticking with Chase?

So I wrote that better option for every day spend would be to get a $500 welcome bonus for a Chase ink card (probably Ink Unlimited would be best for every day spend) or get any other new card with a decent offer.

If you're specifically only asking how to get x3 with freedom Unlimited you gotta write that...

I apologize. So there is no way of switching the freedom unlimited?
I would like to know how to get the x3 with freedom unlimited.

Offline ludmila

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Re: Misc Credit Card Questions
« Reply #8638 on: May 29, 2019, 09:55:08 PM »
I apologize. So there is no way of switching the freedom unlimited?
I would like to know how to get the x3 with freedom unlimited.
x3 with Freedom unlimited??
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Offline Mo2

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Common sense is not common enough