Chase AA coming soon?

[longtimelurker]

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@newUser0 wrote:

Yeah! will get my points off soon. Thanks

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If you have some idea, such as "I will one day travel on United (or use BA Avios etc)" then transfer them all to that partner, or a mix of partners.  If not, maybe cash out many of them.  Depends on what you think the risk level is

[darkfrosty]

I have 165k ur points and no planned trips or anything  .. So they are just sitting there

[swpopham]

If you cant pay them off you might be hosed. But these are flexiable spending cards. I run over on our CSP at least 10 times a year. Just last week I called and upped the limit to 40k on it. Not a lick of trouble after last year where they were cutting our limits. I have since honored our agreement with chase to close amex though. So each situation is different

[newUser0]

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@longtimelurker wrote:

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@newUser0 wrote:

Yeah! will get my points off soon. Thanks

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If you have some idea, such as "I will one day travel on United (or use BA Avios etc)" then transfer them all to that partner, or a mix of partners.  If not, maybe cash out many of them.  Depends on what you think the risk level is

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Hyatt and United are usually my preferred partners. I use Amex for BA.

But any how, this kills the flexibility in usinf UR and introduces a fear.

I have a super-duper trust with chase, will see till tomorrow on how much CL they make available after the payment posts today mid-night.

Depending on this, I will decide to transfer the points or not.

[newUser0]

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@darkfrosty wrote:

I have 165k ur points and no planned trips or anything  .. So they are just sitting there

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U MS?

[newUser0]

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@swpopham wrote:

If you cant pay them off you might be hosed. But these are flexiable spending cards. I run over on our CSP at least 10 times a year. Just last week I called and upped the limit to 40k on it. Not a lick of trouble after last year where they were cutting our limits. I have since honored our agreement with chase to close amex though. So each situation is different

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Oh!! I really didn't knew that Chase makes an agreement for closing Amex account to give CL. 

May be competition? or your spends are so high?

[longtimelurker]

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@newUser0 wrote:

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@longtimelurker wrote:

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@newUser0 wrote:

Yeah! will get my points off soon. Thanks

---

If you have some idea, such as "I will one day travel on United (or use BA Avios etc)" then transfer them all to that partner, or a mix of partners.  If not, maybe cash out many of them.  Depends on what you think the risk level is

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Hyatt and United are usually my preferred partners. I use Amex for BA.

But any how, this kills the flexibility in usinf UR and introduces a fear.

I have a super-duper trust with chase, will see till tomorrow on how much CL they make available after the payment posts today mid-night.

Depending on this, I will decide to transfer the points or not.

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Right, you might well be fine.  But rule 1 is to avoid scrutiny where possible!

[darkfrosty]

I have once and have been with chase over 2 years

[SuperKirby]

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@newUser0 wrote:

Something really weird happened to me. I currently have three chase cards - Freedom, Explorer and CSP. The last two are signature with $5K Limit and Freedom has $5.5K Limit (Non-Sig)

Recently, from last month, I am nearly hitting very hard on Chase cards. As in, my Total spend is approx $30K/Month on all these cards (All are MS).

What happened was few days back (10 days ago) got few orders from staples. It was pending for 2 days, and the charge disappeared, and my available CL was increased. Later, with this new available CL, I purchased some more things and yesterday all of a sudden, the OLD pending charges were reappeared again for both my CSP and United Cards. This action made my Util as follows - 

1. United $7K (Total Charges) of $5K CL and available CL=$0

2. CSP with $4.8K of Total Charges with $0 Available CL

Basically, I can see that I have exceeded my CL bit far this time and for the United Card, they borrowed some CL from the CSP.

Just today, I scheduled the payments of some thing like around $1K on each of these cards. But still I need some time to get the remaining balance. 

Will these actions decrease my scores with Chase? Should I transfer all my UR over100,000 ?

Thanks for the suggestions.

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I had a similar thing happened to me 2 days ago! I had charged one payment of $1000 to a furniture store, then another $1000 to a DIFFERENT furniture store, both to my CSP. They were both pending at $1000 each for 2 days-ish.

On the third day, one of the $1000 posted and the other $1000 was no where to be found. In addition, my available credit was increased because one of the $1000 had completely disappeared. After about 24 hours or so the $1000 came back and everything is back to normal. It's like they are delayed or something. I usually try to check my activities but I believe this is the first time I've seen this.

Anyone else noticed things of this nature?

[NoAnchoviesPlease]

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@SuperKirby wrote:

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@newUser0 wrote:

Something really weird happened to me. I currently have three chase cards - Freedom, Explorer and CSP. The last two are signature with $5K Limit and Freedom has $5.5K Limit (Non-Sig)

Recently, from last month, I am nearly hitting very hard on Chase cards. As in, my Total spend is approx $30K/Month on all these cards (All are MS).

What happened was few days back (10 days ago) got few orders from staples. It was pending for 2 days, and the charge disappeared, and my available CL was increased. Later, with this new available CL, I purchased some more things and yesterday all of a sudden, the OLD pending charges were reappeared again for both my CSP and United Cards. This action made my Util as follows - 

1. United $7K (Total Charges) of $5K CL and available CL=$0

2. CSP with $4.8K of Total Charges with $0 Available CL

Basically, I can see that I have exceeded my CL bit far this time and for the United Card, they borrowed some CL from the CSP.

Just today, I scheduled the payments of some thing like around $1K on each of these cards. But still I need some time to get the remaining balance. 

Will these actions decrease my scores with Chase? Should I transfer all my UR over100,000 ?

Thanks for the suggestions.

---

I had a similar thing happened to me 2 days ago! I had charged one payment of $1000 to a furniture store, then another $1000 to a DIFFERENT furniture store, both to my CSP. They were both pending at $1000 each for 2 days-ish.

On the third day, one of the $1000 posted and the other $1000 was no where to be found. In addition, my available credit was increased because one of the $1000 had completely disappeared. After about 24 hours or so the $1000 came back and everything is back to normal. It's like they are delayed or something. I usually try to check my activities but I believe this is the first time I've seen this.

Anyone else noticed things of this nature?

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Yup. An authorization can expire before the merchant submits the charges. I had that on a trip to Southern California, my available credit was reduced but the posted charges plus pending charges didn't add up (and I didn't want to get booted from my hotel). 

Also, sometimes they don't show all pending charges on the online banking site (if you have more than 10?). I called in to verify the difference and the CSR read off all valid charges but 2-3 of them didn't show up to me on the website.