topic Re: Pro tip: Meeting spend requirements for CSR in Credit Cards

Pro tip: Meeting spend requirements for CSR

Anonymous — Tue, 10 Jan 2017 00:59:08 GMT

Just wanted to give you guys a tip for meeting the spend requirements.

You can add anyone as AU then remove them without being charged the fee. You have 30 days to cancel the AU.

This is because the card number is the same as the primary cardholder's number and the AU can continue to use the card even after you cancel the AU from your account.

Just thought I'd share since that's what I'm doing with my dad's account, and I'm still using the card perfectly even after cancelling.

Re: Pro tip: Meeting spend requirements for CSR

Anonymous — Tue, 10 Jan 2017 01:48:03 GMT

Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?

Re: Pro tip: Meeting spend requirements for CSR

CreditCuriosity — Tue, 10 Jan 2017 03:20:08 GMT

OP is correct whether it is right or wrong to do I am not to judge this one. I recently PC'ed my CSP to the CSR and realized I had two AU on the account and didn't want to pay the 150 for them so cancelled their cards (parents as they have plenty of credit) and CSR from JPM executive said cards are still good, but they have been removed as AU's. I asked for Chase to send me envelopes to send those cards back as hard to destroy along with a few old and scratches Ritz cards I have that I want to dispose of.

Re: Pro tip: Meeting spend requirements for CSR

Anonymous — Tue, 10 Jan 2017 04:05:55 GMT

@Anonymous wrote:
Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?

Both work. I've used it online and in person.

Chase reps ask the primary cardholder to destroy the card or send it to them to destroy it after you cancel an AU. They also advise that the card still works, so I was surprised by that.

Re: Pro tip: Meeting spend requirements for CSR

Anonymous — Tue, 10 Jan 2017 05:37:29 GMT

@Anonymous wrote:
@Anonymous wrote:
Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?
Both work. I've used it online and in person.

Chase reps ask the primary cardholder to destroy the card or send it to them to destroy it after you cancel an AU. They also advise that the card still works, so I was surprised by that.

It sort of makes sense. Isn't the justification for the AF for the AU that the AU can get Priority Pass for themselves? Obviosuly there is no separate $300 travel credit etc, so without PP it's similar (with 3x rather than 2x) having an AU on the CSP which is free.

So, if so, the real test would be whether the expired AUs are able to apply for or keep PP membership.

Re: Pro tip: Meeting spend requirements for CSR

Anonymous — Tue, 10 Jan 2017 05:41:53 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?
Both work. I've used it online and in person.

Chase reps ask the primary cardholder to destroy the card or send it to them to destroy it after you cancel an AU. They also advise that the card still works, so I was surprised by that.
It sort of makes sense. Isn't the justification for the AF for the AU that the AU can get Priority Pass for themselves? Obviosuly there is no separate $300 travel credit etc, so without PP it's similar (with 3x rather than 2x) having an AU on the CSP which is free.

So, if so, the real test would be whether the expired AUs are able to apply for or keep PP membership.

I got my priority pass membership. Applied before canceling AU. Need to check if it still works. My guess is that it does.

Re: Pro tip: Meeting spend requirements for CSR

Anonymous — Tue, 10 Jan 2017 08:21:55 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?
Both work. I've used it online and in person.

Chase reps ask the primary cardholder to destroy the card or send it to them to destroy it after you cancel an AU. They also advise that the card still works, so I was surprised by that.
It sort of makes sense. Isn't the justification for the AF for the AU that the AU can get Priority Pass for themselves? Obviosuly there is no separate $300 travel credit etc, so without PP it's similar (with 3x rather than 2x) having an AU on the CSP which is free.

So, if so, the real test would be whether the expired AUs are able to apply for or keep PP membership.
I got my priority pass membership. Applied before canceling AU. Need to check if it still works. My guess is that it does.

Do find out for sure and let us know!

Re: Pro tip: Meeting spend requirements for CSR

rlx01 — Tue, 10 Jan 2017 08:49:19 GMT

Chase doesn't even cycle the CVC when doing product changes.

When I PC'ed a CSP to a FU, a new card came with identical number/exp/CVC. The old CSP cards still work. Same for AUs.

Re: Pro tip: Meeting spend requirements for CSR

CreditCuriosity — Tue, 10 Jan 2017 12:56:22 GMT

@rlx01 wrote:
Chase doesn't even cycle the CVC when doing product changes.

When I PC'ed a CSP to a FU, a new card came with identical number/exp/CVC. The old CSP cards still work. Same for AUs.

This is untrue in my case at least.. I PC'ed Freedom to FU and got a new CVC along with Exp date.

Re: Pro tip: Meeting spend requirements for CSR

Anonymous — Tue, 10 Jan 2017 13:48:03 GMT

@CreditCuriousity wrote:
@rlx01 wrote:
Chase doesn't even cycle the CVC when doing product changes.

When I PC'ed a CSP to a FU, a new card came with identical number/exp/CVC. The old CSP cards still work. Same for AUs.
This is untrue in my case at least.. I PC'ed Freedom to FU and got a new CVC along with Exp date.

Isn't the CVC a function of card number, exp date and issuer? So I guess they didn't change the exp date for rlx01, did for CC, hence the difference. CreditCuriosity, was the old card near expiration when you PC'd?

Re: Pro tip: Meeting spend requirements for CSR

CreditCuriosity — Tue, 10 Jan 2017 14:24:27 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
@rlx01 wrote:
Chase doesn't even cycle the CVC when doing product changes.

When I PC'ed a CSP to a FU, a new card came with identical number/exp/CVC. The old CSP cards still work. Same for AUs.
This is untrue in my case at least.. I PC'ed Freedom to FU and got a new CVC along with Exp date.
Isn't the CVC a function of card number, exp date and issuer? So I guess they didn't change the exp date for rlx01, did for CC, hence the difference. CreditCuriosity, was the old card near expiration when you PC'd?

About 9 months out on both I PC'ed actually.. First one was Freedom to FU and other was CSP to CSR and changed for both being expiration along with CVC. Your theory certainly could be true LTL on how it all works.

Re: Pro tip: Meeting spend requirements for CSR

Revelate — Tue, 10 Jan 2017 16:29:11 GMT

My CSP is still a live card post-PC; different CVV and expiration date but clearly still tied to the account.

Chase warned me on that, sorta tempted to keep it as a backup card but I'll probably get it whacked next time I'm at a Chase branch (4 blocks away, i.e. whenever I stop being lazy). Rewards package changed as soon as the PC was reflected in the online account, and transactions in the interim period waiting for the CSR, all got the CSR bonus.

Re: Pro tip: Meeting spend requirements for CSR

redpat — Tue, 10 Jan 2017 16:28:14 GMT

Pro tip, lol!

Here's one, be honest.......

Re: Pro tip: Meeting spend requirements for CSR

Anonymous — Tue, 10 Jan 2017 16:45:39 GMT

@redpat wrote:
Pro tip, lol!

Here's one, be honest.......

Not sure that really counts as a "pro" tip!

Re: Pro tip: Meeting spend requirements for CSR

redpat — Tue, 10 Jan 2017 17:07:05 GMT

@Anonymous wrote:
@redpat wrote:
Pro tip, lol!

Here's one, be honest.......
Not sure that really counts as a "pro" tip!

My bad, it isn't....How about "Elder" tip!

Re: Pro tip: Meeting spend requirements for CSR

fltireguy — Tue, 10 Jan 2017 17:33:01 GMT

CV3 is the same for Chase AU cards.

Re: Pro tip: Meeting spend requirements for CSR

Anonymous — Tue, 10 Jan 2017 20:43:03 GMT

@Anonymous wrote:
@redpat wrote:
Pro tip, lol!

Here's one, be honest.......
Not sure that really counts as a "pro" tip!

It was a joke haha. Just wanted to save others $75.

Re: Pro tip: Meeting spend requirements for CSR

Anonymous — Tue, 10 Jan 2017 20:43:41 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?
Both work. I've used it online and in person.

Chase reps ask the primary cardholder to destroy the card or send it to them to destroy it after you cancel an AU. They also advise that the card still works, so I was surprised by that.
It sort of makes sense. Isn't the justification for the AF for the AU that the AU can get Priority Pass for themselves? Obviosuly there is no separate $300 travel credit etc, so without PP it's similar (with 3x rather than 2x) having an AU on the CSP which is free.

So, if so, the real test would be whether the expired AUs are able to apply for or keep PP membership.
I got my priority pass membership. Applied before canceling AU. Need to check if it still works. My guess is that it does.
Do find out for sure and let us know!

I will try to. I used to travel from LAX to SFO, but go from ONT to OAK now due to less traffic.

Re: Pro tip: Meeting spend requirements for CSR

noobody — Tue, 10 Jan 2017 23:47:11 GMT

Commit a potential fraud for merely $75, I would not do it.
at least it unethical.