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    <title>topic Re: Chase IHG to be replaced? in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5211074#M1535953</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymouswrote:&lt;BR /&gt;MountainDew you took one tiny snippet out of the entirety of my post which makes it seem out of context.&lt;BR /&gt;&lt;BR /&gt;I said it's my opinion that it would be like a Bait and Switch which is something Chase usually doesn't do. I offered a feasible way Chase may go about it instead so that the loads of people that applied in 2018 still do get their Free Night in 2019, even if it's only one time that is a major factor in people signing up as well as keeping the card past the Annual Fee.&lt;BR /&gt;&lt;BR /&gt;Yes, a credit card is a privilege no one is arguing that it is not. But keep in mind that people did sign up under certain terms and expectations and it's very frowned upon, though it is within a lender's ability, to remove a crucial element of a card prior to cardholders ever being able to even use it. My thought, as mentioned before, is that they'll honor it until 1 year from the date that the card gets axed to give new cardholders the opportunity to at least use it once under the terms they signed up for, many people signed up for that benefit alone.&lt;BR /&gt;&lt;BR /&gt;As I said this is solely speculation based on Chase's past trends and Chase may do as they wish within the card's terms.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Reward benefits (such as the free night) are not protected by the CARD act or anything like that....an issuer is free to change these whenever they wish, with no obligation to grandfather anyone for any amount of time. In practice, many do grandfather users for x amount of time, but there's no requirement.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I understand many people signed up for the free night, but Chase doesn't see it that&amp;nbsp; way. They presumably expected ongoing spend on the cards, not just people using the free night and otherwise not using the card. So my guess is the benefit was becoming costly and had to be reduced somewhat.&lt;/P&gt;</description>
    <pubDate>Tue, 03 Apr 2018 10:39:19 GMT</pubDate>
    <dc:creator>kdm31091</dc:creator>
    <dc:date>2018-04-03T10:39:19Z</dc:date>
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      <title>Chase IHG card missing?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200382#M1532005</link>
      <description>&lt;P&gt;As evidenced by the missing icon in my sig, it appears that Chase has removed all marketing for the IHG card from its website...!?&lt;BR /&gt;&lt;BR /&gt;Any news to go along with this?&lt;/P&gt;</description>
      <pubDate>Fri, 23 Mar 2018 03:36:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200382#M1532005</guid>
      <dc:creator>MrDisco99</dc:creator>
      <dc:date>2018-03-23T03:36:15Z</dc:date>
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      <title>Re: Chase IHG card missing?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200392#M1532011</link>
      <description>&lt;P&gt;&lt;A href="https://creditcards.chase.com/a1/ihg/ihg60naep" target="_blank"&gt;https://creditcards.chase.com/a1/ihg/ihg60naep&lt;/A&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 23 Mar 2018 03:43:16 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200392#M1532011</guid>
      <dc:creator>simplynoir</dc:creator>
      <dc:date>2018-03-23T03:43:16Z</dc:date>
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      <title>Re: Chase IHG card missing?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200400#M1532018</link>
      <description>&lt;P&gt;Yeah the image file is back too. &amp;nbsp;I still don't see it on the main Chase website, though.&lt;/P&gt;</description>
      <pubDate>Fri, 23 Mar 2018 03:50:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200400#M1532018</guid>
      <dc:creator>MrDisco99</dc:creator>
      <dc:date>2018-03-23T03:50:44Z</dc:date>
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    <item>
      <title>Re: Chase IHG card missing?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200404#M1532021</link>
      <description>&lt;P&gt;It might just be like the prequal page where there's a new url path but they don't update the website.&lt;/P&gt;</description>
      <pubDate>Fri, 23 Mar 2018 03:51:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200404#M1532021</guid>
      <dc:creator>simplynoir</dc:creator>
      <dc:date>2018-03-23T03:51:55Z</dc:date>
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      <title>Re: Chase IHG card missing?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200412#M1532027</link>
      <description>&lt;P&gt;If you go to Chase's default page for the IHG card it shows a 404 error now.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;A href="https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club" target="_blank"&gt;https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club&lt;/A&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 23 Mar 2018 03:58:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200412#M1532027</guid>
      <dc:creator>simplynoir</dc:creator>
      <dc:date>2018-03-23T03:58:49Z</dc:date>
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    <item>
      <title>Re: Chase IHG card missing?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200429#M1532040</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymouswrote:&lt;BR /&gt;Probably under construction or they're creating a new link for it. I go to the IHG Chase Page for members then click on the link that says, "Not a Cardmember".&lt;BR /&gt;&lt;BR /&gt;&lt;A href="https://creditcards.chase.com/a1/ihg/ihg60naep" target="_blank"&gt;https://creditcards.chase.com/a1/ihg/ihg60naep&lt;/A&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Yeah, I know. It's the same one I posted earlier.&lt;/P&gt;</description>
      <pubDate>Fri, 23 Mar 2018 04:21:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200429#M1532040</guid>
      <dc:creator>simplynoir</dc:creator>
      <dc:date>2018-03-23T04:21:49Z</dc:date>
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      <title>Re: Chase IHG card missing?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200463#M1532058</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/991684"&gt;@MrDisco99&lt;/a&gt;wrote:&lt;BR /&gt;&lt;P&gt;Yeah the image file is back too. &amp;nbsp;I still don't see it on the main Chase website, though.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I can solve the mystery about your siggy... you had a "mystery friend" fix it for you.&amp;nbsp; &lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I was also wondering about the card application being missing from the main site, but I eventually was able to find it via google search.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I'm hoping they are simply working on their site... it's a good card for many and I would hate to see it go.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 23 Mar 2018 05:06:52 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200463#M1532058</guid>
      <dc:creator>UncleB</dc:creator>
      <dc:date>2018-03-23T05:06:52Z</dc:date>
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      <title>Re: Chase IHG card missing?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200465#M1532060</link>
      <description>&lt;P&gt;It just seemed like you were repeating everything I just said earlier in the thread from the link to the possible future re-direct. &lt;img id="smileylol" class="emoticon emoticon-smileylol" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-lol.gif" alt="Smiley LOL" title="Smiley LOL" /&gt;&lt;/P&gt;</description>
      <pubDate>Fri, 23 Mar 2018 05:07:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200465#M1532060</guid>
      <dc:creator>simplynoir</dc:creator>
      <dc:date>2018-03-23T05:07:56Z</dc:date>
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    <item>
      <title>Re: Chase IHG card missing?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200903#M1532199</link>
      <description>The card...and a link to apply for it...is still prominently displayed on the IHG website and in the app.&lt;BR /&gt;&lt;BR /&gt;Maybe we'll see an overhaul, but it's far from certain. That survey from a year or so ago hasn't changed much about the IHG card.</description>
      <pubDate>Fri, 23 Mar 2018 17:27:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200903#M1532199</guid>
      <dc:creator>wasCB14</dc:creator>
      <dc:date>2018-03-23T17:27:25Z</dc:date>
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    <item>
      <title>Re: Chase IHG card missing?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200962#M1532227</link>
      <description>I’m not seeing it on the website or app as of 1420EST. It’s a solid card that most gladly pay the reasonable AF to get annual free night. Maybe it’s not popular outside the FF community.</description>
      <pubDate>Fri, 23 Mar 2018 18:23:03 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5200962#M1532227</guid>
      <dc:creator>MAZDA3</dc:creator>
      <dc:date>2018-03-23T18:23:03Z</dc:date>
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      <title>Chase IHG to be replaced?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203121#M1532922</link>
      <description>&lt;P&gt;There seems to be some chatter that the existing Chase IHG card is going to be replaced with two different IHG cards, one of which will not offer the free night, and one that will (at nearly double the current AF). Chase has pulled the IHG card from their main page but this link still works. Now might be the time to app in the hopes that you are grandfathered into the existing $49 AF terms.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;A href="https://www.doctorofcredit.com/chase-ihg-card-no-longer-available-on-chase-site-possibly-being-discontinued-replaced/" target="_blank"&gt;https://www.doctorofcredit.com/chase-ihg-card-no-longer-available-on-chase-site-possibly-being-discontinued-replaced/&lt;/A&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;A href="https://creditcards.chase.com/a1/ihg/default2" target="_blank"&gt;https://creditcards.chase.com/a1/ihg/default2&lt;/A&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 26 Mar 2018 07:03:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203121#M1532922</guid>
      <dc:creator>MAZDA3</dc:creator>
      <dc:date>2018-03-26T07:03:25Z</dc:date>
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      <title>Re: Chase IHG to be replaced?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203222#M1532923</link>
      <description>&lt;P&gt;Haha I posted about this a couple days ago.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;A href="http://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/td-p/5200382" target="_blank"&gt;http://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/td-p/5200382&lt;BR /&gt;&lt;/A&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I knew we'd hear more about this.&lt;/P&gt;</description>
      <pubDate>Mon, 26 Mar 2018 13:17:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203222#M1532923</guid>
      <dc:creator>MrDisco99</dc:creator>
      <dc:date>2018-03-26T13:17:25Z</dc:date>
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      <title>Re: Chase IHG to be replaced?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203587#M1533048</link>
      <description>&lt;P&gt;APPLY FOR CARD NOW&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;THIS IS A CARD EMERGENCY&lt;BR /&gt;&lt;BR /&gt;APPLY NOW!&lt;/P&gt;</description>
      <pubDate>Mon, 26 Mar 2018 18:49:06 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203587#M1533048</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2018-03-26T18:49:06Z</dc:date>
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      <title>Re: Chase IHG to be replaced?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203724#M1533083</link>
      <description>&lt;P&gt;Perhaps it's being changed to a Visa to match every other Chase card in the portfolio.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 26 Mar 2018 20:49:57 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203724#M1533083</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2018-03-26T20:49:57Z</dc:date>
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      <title>Re: Chase IHG to be replaced?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203768#M1533101</link>
      <description>&lt;P&gt;Didn't they just change it from Visa to MC recently though?&lt;/P&gt;</description>
      <pubDate>Mon, 26 Mar 2018 21:35:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203768#M1533101</guid>
      <dc:creator>MrDisco99</dc:creator>
      <dc:date>2018-03-26T21:35:11Z</dc:date>
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      <title>Re: Chase IHG to be replaced?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203817#M1533120</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/991684"&gt;@MrDisco99&lt;/a&gt;wrote:&lt;BR /&gt;&lt;P&gt;Didn't they just change it from Visa to MC recently though?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;2014&lt;/P&gt;</description>
      <pubDate>Mon, 26 Mar 2018 22:15:24 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203817#M1533120</guid>
      <dc:creator>wasCB14</dc:creator>
      <dc:date>2018-03-26T22:15:24Z</dc:date>
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      <title>Re: Chase IHG to be replaced?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203845#M1533124</link>
      <description>The new cards are still Mastercard. Someone on another blog posted a screenshot of the application page.</description>
      <pubDate>Mon, 26 Mar 2018 22:30:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203845#M1533124</guid>
      <dc:creator>MAZDA3</dc:creator>
      <dc:date>2018-03-26T22:30:54Z</dc:date>
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      <title>Re: Chase IHG to be replaced?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203871#M1533129</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymouswrote:&lt;BR /&gt;&lt;P&gt;APPLY FOR CARD NOW&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;THIS IS A CARD EMERGENCY&lt;BR /&gt;&lt;BR /&gt;APPLY NOW!&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Unless someone is elite with a luxury brand (and travels mostly to places with such hotels), doesn't bother with loyalty programs, or doesn't travel at all...it seems odd to me that someone wouldn't have one.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;But panic can certainly inspire a few apps.&lt;/P&gt;</description>
      <pubDate>Mon, 26 Mar 2018 22:56:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5203871#M1533129</guid>
      <dc:creator>wasCB14</dc:creator>
      <dc:date>2018-03-26T22:56:49Z</dc:date>
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      <title>Re: Chase IHG to be replaced?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5204616#M1533390</link>
      <description>I don't have one and travel quite a bit. While I was thinking about picking up this card I don't think rushing out is going to change anything. If they nerf where the free nights can be used it could really impact the value of the card. I remember trying to redeem hotel certs with capped categories and pretty much only being able to use them in places I had no intention of visiting and even when I could use them I could almost get the room for the same cost as the AF. I guess time will tell but I'm not about to app until I know exactly how useful these certs will be going forward.</description>
      <pubDate>Tue, 27 Mar 2018 17:35:06 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5204616#M1533390</guid>
      <dc:creator>red259</dc:creator>
      <dc:date>2018-03-27T17:35:06Z</dc:date>
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      <title>Re: Chase IHG to be replaced?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5204709#M1533419</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/716469"&gt;@red259&lt;/a&gt;wrote:&lt;BR /&gt;I don't have one and travel quite a bit. While I was thinking about picking up this card I don't think rushing out is going to change anything. If they nerf where the free nights can be used it could really impact the value of the card. I remember trying to redeem hotel certs with capped categories and pretty much only being able to use them in places I had no intention of visiting and even when I could use them I could almost get the room for the same cost as the AF. I guess time will tell but I'm not about to app until I know exactly how useful these certs will be going forward.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Keep in mind the first-year AF is waived and the card comes with a bonus. It's not like you're paying $500 up front. There's not very much to lose in getting one.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Maybe the card will be nerfed before you can use the night. This card has been overdue for a nerf for several years.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;But I'm glad I didn't hold off apping because of nerfing worries.&lt;/P&gt;</description>
      <pubDate>Tue, 27 Mar 2018 19:02:34 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Chase-IHG-card-missing/m-p/5204709#M1533419</guid>
      <dc:creator>wasCB14</dc:creator>
      <dc:date>2018-03-27T19:02:34Z</dc:date>
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