topic Re: Chase bank membership for CSR in Credit Cards

Chase bank membership for CSR

Anonymous — Fri, 23 Jun 2017 13:10:25 GMT

Looking to apply for CSR for travel benefits. I am not a current member of Chase bank. Thought being a member is helpful? Do they do hard pulls for membership? Thanks.

Re: Chase bank membership for CSR

Anonymous — Fri, 23 Jun 2017 13:23:50 GMT

No hard pull to join. They do check ChexSystems tho.

There are some very weak data points that people with $10,000 on deposit in one account were able to get an approval immediately after a decline for CSR.

You can join Chase Credit Journey for free -- it offers a fake credit score, but it may show you prequalified offers. You can also use the Chase prequalified offer page as well which is a soft pull.

Re: Chase bank membership for CSR

Anonymous — Fri, 23 Jun 2017 13:28:24 GMT

Thanks abcd, I actually had a question for you on another CSR thread but can't remember which thread it was. Haha. I've tried the prequal and credit journey with no offers available. Thanks again.

Re: Chase bank membership for CSR

Anonymous — Fri, 23 Jun 2017 13:30:00 GMT

What's the progression of Chase cards? Is it Freedom, FU, Preferred then Reserve?

Re: Chase bank membership for CSR

Anonymous — Fri, 23 Jun 2017 13:37:55 GMT

I personally wouldn't apply for a Chase card without a good sign-up bonus offer. The 100,000 URs are gone for Sapphire but I think they're offering 50,000 right now, not sure if there are better ones.

Freedom and Freedom Unlimited are about the same ($150 for $500 SUB) except one is a category card and one is 1.5% across the board. You earn URs with either that you can redeem for cash at 1 point per penny, but if you bank your URs until you get the Sapphire, you can redeem them for travel at a better rate. IF you travel, and you travel internationally, and you prefer business or first, the Sapphire is one of the better deals out there. With Freedom's 5% in certain category spend combined with Sapphire Reserved you will get one of the best values on international premium travel there is.

If you don't use it for travel, I don't think CSR/CSP is all that great. I travel a lot ($50,000 a year for personal travel) and I checked and CSR/CSP doesn't work for me unfortunately. I like my FU and will snag a Freedom just for category spend bonuses and the SUB, but otherwise CSP/CSR isn't in my future yet. Will continue to look at my spending compared to CSR/CSP but so far it's not a card for me.

Re: Chase bank membership for CSR

K-in-Boston — Fri, 23 Jun 2017 13:52:29 GMT

@Anonymous wrote:
What's the progression of Chase cards? Is it Freedom, FU, Preferred then Reserve?

If you're asking if they're tiered based on creditworthiness, not really. Slate, Freedom, and Freedom Unlimited are essentially the same "status" just having different features (no-frills with good balance transfer options, 5% back on revolving categories, and 1.5% back on all purchases respectively) with CSP being a bit higher as it's targeted to higher incomes and travelers, with the CSR being a step above that.

Re: Chase bank membership for CSR

-Cal- — Fri, 23 Jun 2017 15:31:40 GMT

@K-in-Boston wrote:
@Anonymous wrote:
What's the progression of Chase cards? Is it Freedom, FU, Preferred then Reserve?
If you're asking if they're tiered based on creditworthiness, not really. Slate, Freedom, and Freedom Unlimited are essentially the same "status" just having different features (no-frills with good balance transfer options, 5% back on revolving categories, and 1.5% back on all purchases respectively) with CSP being a bit higher as it's targeted to higher incomes and travelers, with the CSR being a step above that.

It appears to be three tiers:

* Slate, Freedom, Freedom Unlimited - credit profile supporting any limit

* CSP - requires a credit profile supporting a $5k limit.

* CSR - requires a credit profile supporting a $10k limit.

Re: Chase bank membership for CSR

Anonymous — Fri, 23 Jun 2017 16:35:05 GMT

@-Cal- wrote:
It appears to be three tiers:

* Slate, Freedom, Freedom Unlimited - credit profile supporting any limit
* CSP - requires a credit profile supporting a $5k limit.
* CSR - requires a credit profile supporting a $10k limit.

Any limit from $500 up I believe

Re: Chase bank membership for CSR

Anonymous — Fri, 23 Jun 2017 16:48:58 GMT

If you decide to open checking and/or savings, make sure you get your bonuses Up to $350 for checking/savings currently.

Re: Chase bank membership for CSR

driftless — Fri, 23 Jun 2017 18:00:14 GMT

@Anonymous wrote:
What's the progression of Chase cards? Is it Freedom, FU, Preferred then Reserve?

There does not have to be a progression, my wife received her CSP as her first Chase card and then added Freedom later.

Re: Chase bank membership for CSR

Anonymous — Fri, 23 Jun 2017 18:02:11 GMT

Thanks all for the great info! It is very much appreciated!

Re: Chase bank membership for CSR

jawbrkr — Fri, 23 Jun 2017 21:44:17 GMT

@Anonymous wrote:
I personally wouldn't apply for a Chase card without a good sign-up bonus offer. The 100,000 URs are gone for Sapphire but I think they're offering 50,000 right now, not sure if there are better ones.

Freedom and Freedom Unlimited are about the same ($150 for $500 SUB) except one is a category card and one is 1.5% across the board. You earn URs with either that you can redeem for cash at 1 point per penny, but if you bank your URs until you get the Sapphire, you can redeem them for travel at a better rate. IF you travel, and you travel internationally, and you prefer business or first, the Sapphire is one of the better deals out there. With Freedom's 5% in certain category spend combined with Sapphire Reserved you will get one of the best values on international premium travel there is.

If you don't use it for travel, I don't think CSR/CSP is all that great. I travel a lot ($50,000 a year for personal travel) and I checked and CSR/CSP doesn't work for me unfortunately. I like my FU and will snag a Freedom just for category spend bonuses and the SUB, but otherwise CSP/CSR isn't in my future yet. Will continue to look at my spending compared to CSR/CSP but so far it's not a card for me.

I'm curious as to why the CSR at 3pts/$ on travel doesnt work for you? Unless you are using the platinum card from Amex at 5pts/$ on air travel and value MR points more. I can't see another travel card out there that will give you a better deal on "travel". Well, the prestige will you you 3x as well but thats just on air travel. The CSR has a broad definition for travel.

Re: Chase bank membership for CSR

driftless — Fri, 23 Jun 2017 22:39:30 GMT

@jawbrkr wrote:
@Anonymous wrote:
I personally wouldn't apply for a Chase card without a good sign-up bonus offer. The 100,000 URs are gone for Sapphire but I think they're offering 50,000 right now, not sure if there are better ones.

Freedom and Freedom Unlimited are about the same ($150 for $500 SUB) except one is a category card and one is 1.5% across the board. You earn URs with either that you can redeem for cash at 1 point per penny, but if you bank your URs until you get the Sapphire, you can redeem them for travel at a better rate. IF you travel, and you travel internationally, and you prefer business or first, the Sapphire is one of the better deals out there. With Freedom's 5% in certain category spend combined with Sapphire Reserved you will get one of the best values on international premium travel there is.

If you don't use it for travel, I don't think CSR/CSP is all that great. I travel a lot ($50,000 a year for personal travel) and I checked and CSR/CSP doesn't work for me unfortunately. I like my FU and will snag a Freedom just for category spend bonuses and the SUB, but otherwise CSP/CSR isn't in my future yet. Will continue to look at my spending compared to CSR/CSP but so far it's not a card for me.
I'm curious as to why the CSR at 3pts/$ on travel doesnt work for you? Unless you are using the platinum card from Amex at 5pts/$ on air travel and value MR points more. I can't see another travel card out there that will give you a better deal on "travel". Well, the prestige will you you 3x as well but thats just on air travel. The CSR has a broad definition for travel.

It could be where ABCD flies out of. We fly out of O'Hare using primarily United which makes, for us, the Chase our primary and AMEX's our secondary ecosystem. IMHO - it is not about the aggregate number of rewards points but how you can most effectively use them.

Re: Chase bank membership for CSR

Anonymous — Fri, 23 Jun 2017 23:40:40 GMT

@driftless wrote:
@jawbrkr wrote:
@Anonymous wrote:
I personally wouldn't apply for a Chase card without a good sign-up bonus offer. The 100,000 URs are gone for Sapphire but I think they're offering 50,000 right now, not sure if there are better ones.

Freedom and Freedom Unlimited are about the same ($150 for $500 SUB) except one is a category card and one is 1.5% across the board. You earn URs with either that you can redeem for cash at 1 point per penny, but if you bank your URs until you get the Sapphire, you can redeem them for travel at a better rate. IF you travel, and you travel internationally, and you prefer business or first, the Sapphire is one of the better deals out there. With Freedom's 5% in certain category spend combined with Sapphire Reserved you will get one of the best values on international premium travel there is.

If you don't use it for travel, I don't think CSR/CSP is all that great. I travel a lot ($50,000 a year for personal travel) and I checked and CSR/CSP doesn't work for me unfortunately. I like my FU and will snag a Freedom just for category spend bonuses and the SUB, but otherwise CSP/CSR isn't in my future yet. Will continue to look at my spending compared to CSR/CSP but so far it's not a card for me.
I'm curious as to why the CSR at 3pts/$ on travel doesnt work for you? Unless you are using the platinum card from Amex at 5pts/$ on air travel and value MR points more. I can't see another travel card out there that will give you a better deal on "travel". Well, the prestige will you you 3x as well but thats just on air travel. The CSR has a broad definition for travel.
It could be where ABCD flies out of. We fly out of O'Hare using primarily United which makes, for us, the Chase our primary and AMEX's our secondary ecosystem. IMHO - it is not about the aggregate number of rewards points but how you can most effectively use them.

Agreed, this is the only way it would make sense. In general math, the CSR is currently hands down the best high-end travel rewards card available.

My case supports your theory as I can justify keeping the Amex Platinum a bit longer as I fly almost exclusively Delta in the US and my home airport is a main Delta hub with Sky Club lounge (no better option available AFAIK).

Re: Chase bank membership for CSR

hsspres — Sat, 24 Jun 2017 01:47:11 GMT

@Anonymous wrote:
If you decide to open checking and/or savings, make sure you get your bonuses Up to $350 for checking/savings currently.

But there's more to it than just opening the accounts:

Get $200 when you open a new Chase Total Checking account and set up direct deposit.

Get $150 when you open a Chase Savings account and deposit $10,000 or more in new money within 10 business days, and maintain a $10,000 balance for 90 days.

Re: Chase bank membership for CSR

minski — Sat, 24 Jun 2017 20:00:14 GMT

@Anonymous wrote:
I personally wouldn't apply for a Chase card without a good sign-up bonus offer. The 100,000 URs are gone for Sapphire but I think they're offering 50,000 right now, not sure if there are better ones.

Freedom and Freedom Unlimited are about the same ($150 for $500 SUB) except one is a category card and one is 1.5% across the board. You earn URs with either that you can redeem for cash at 1 point per penny, but if you bank your URs until you get the Sapphire, you can redeem them for travel at a better rate. IF you travel, and you travel internationally, and you prefer business or first, the Sapphire is one of the better deals out there. With Freedom's 5% in certain category spend combined with Sapphire Reserved you will get one of the best values on international premium travel there is.

If you don't use it for travel, I don't think CSR/CSP is all that great. I travel a lot ($50,000 a year for personal travel) and I checked and CSR/CSP doesn't work for me unfortunately. I like my FU and will snag a Freedom just for category spend bonuses and the SUB, but otherwise CSP/CSR isn't in my future yet. Will continue to look at my spending compared to CSR/CSP but so far it's not a card for me.

With CSP or CSR, are you able to purchase business or first class tickets for about similar price as economy?

Re: Chase bank membership for CSR

K-in-Boston — Sun, 25 Jun 2017 05:34:30 GMT

@minski wrote:

With CSP or CSR, are you able to purchase business or first class tickets for about similar price as economy?

I'd be okay with at least a $3000 AF for that card! Maybe I misunderstood your question. If you had enough UR points to put toward the purchase price when buying airline tickets through Chase, you could certainly do that.