topic Re: Future Chase Options in Credit Cards

Future Chase Options

Anonymous — Tue, 12 Mar 2019 13:33:16 GMT

I'm a little on the fence about what to do with my CFU... My PPCBMC serves as my everyday 2% noncat, which makes the 1.5% CFU a bit redundant. However, I really like how Chase's app is laid out and tells you your rewards earnings per transaction as they post. Their entire app is fairly clean, though slow to load data initially. Synch's portal via PayPal is.... Uhm... Well it leaves everything to be desired.

Anyway onto the main focus, I figure the CFU might get the SD, except when used via Shop through Chase for extra points. Do I wait a year and PC to the CF, (saving a HP and fewer cards) or do I wait 6 months, and apply for the CF directly to get another SUB and keep the CFU to bolster total credit/uti? Sadly of all my current cards, the most likely to get SD'd is my highest CL. I'm assuming Chase allows you to carry multiple of their cards.

Re: Future Chase Options

HeavenOhio — Tue, 12 Mar 2019 13:38:10 GMT

You can have a whole bunch of Chase cards as long as you're in no hurry to get them. I think either option is good.

Re: Future Chase Options

Anonymous — Tue, 12 Mar 2019 13:38:39 GMT

Yeah, many people get the Chase trifecta, which is usually the Freedom, Freedom Unlimited, and a Sapphire (or Freedom, Ink Business, Sapphire). If you have plans for the trifecta, you would want to get the Freedom as a new app, so you can optimize the 5% cats for more UR points then used the 1.5% CB on everything else. The Sapphire is used for transfer partners and increasing the value of the UR points.

That said, if you do not plan on going for the trifeca, a PC to the Freedom would make sense. Chase is strongest with paired with a Sapphire however.

Re: Future Chase Options

Anonymous — Tue, 12 Mar 2019 13:41:00 GMT

@Anonymous wrote:
Anyway onto the main focus, I figure the CFU might get the SD, except when used via Shop through Chase for extra points. Do I wait a year and PC to the CF, (saving a HP and fewer cards) or do I wait 6 months, and apply for the CF directly to get another SUB and keep the CFU to bolster total credit/uti? Sadly of all my current cards, the most likely to get SD'd is my highest CL. I'm assuming Chase allows you to carry multiple of their cards.

If my profile allowed it, I would app for the CSP and get the SUB. If I really didn't like the card after the first year, I would just PC to the Freedom. That way you get a better SUB as well as the potential for the Freedom as well. My $0.02

Re: Future Chase Options

Anonymous — Tue, 12 Mar 2019 13:53:26 GMT

I know the CSP is a VS card, none of my cards currently have a 5k limit, so that's already a strike against them approving me for a 5k card. I never really considered the sapphire cards, as I do not travel (budget won't allow) and they seem to be geared basically for that. They maximize rewards for hotels, flights, etc. Also, I can't see me running 4k through a CSP for the SUB in 3 months, my spending isn't that high. (It took me 1.5mo to hit 500 for the CFU SUB) Would also tack on another year before PCing it.

Re: Future Chase Options

Anonymous — Tue, 12 Mar 2019 14:12:27 GMT

Fair enough. Either option will work then. If you want Chase UR points to be your main "reward," apping for the Freedom and using both Chase cards is the best option. If you just want to get rid of the Freedom Unlimited due to redundancy, then a PC is best.

Re: Future Chase Options

Anonymous — Tue, 12 Mar 2019 14:16:42 GMT

@Anonymous wrote:
Fair enough. Either option will work then. If you want Chase UR points to be your main "reward," apping for the Freedom and using both Chase cards is the best option. If you just want to get rid of the Freedom Unlimited due to redundancy, then a PC is best.

Figured a CF would be a good match to my Discover it and Cash+ for more 5% cats, since my PPCBMC covers all other bases. Tempting to try apping now, but 4 cards in the past 2 months, don't want to spook Chase. Still got time to work it out.

Re: Future Chase Options

Anonymous — Tue, 12 Mar 2019 14:21:52 GMT

@Anonymous wrote:
@Anonymous wrote:
Fair enough. Either option will work then. If you want Chase UR points to be your main "reward," apping for the Freedom and using both Chase cards is the best option. If you just want to get rid of the Freedom Unlimited due to redundancy, then a PC is best.
Figured a CF would be a good match to my Discover it and Cash+ for more 5% cats, since my PPCBMC covers all other bases. Tempting to try apping now, but 4 cards in the past 2 months, don't want to spook Chase. Still got time to work it out.

Are you planning on SD the CFU? You can probably just PC it now without AA if you wanted, that's what it sounds like you want to do. Or do you want to app for that SUB?

Re: Future Chase Options

Anonymous — Tue, 12 Mar 2019 14:29:47 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Fair enough. Either option will work then. If you want Chase UR points to be your main "reward," apping for the Freedom and using both Chase cards is the best option. If you just want to get rid of the Freedom Unlimited due to redundancy, then a PC is best.
Figured a CF would be a good match to my Discover it and Cash+ for more 5% cats, since my PPCBMC covers all other bases. Tempting to try apping now, but 4 cards in the past 2 months, don't want to spook Chase. Still got time to work it out.
Are you planning on SD the CFU? You can probably just PC it now without AA if you wanted, that's what it sounds like you want to do. Or do you want to app for that SUB?

From what I've read, Chase requires you having the card a year before you can PC, and mine was opened early Feb this year. If I could PC now, I would have. It will likely get SD'd until I can PC unless I app for the CF earlier. That's the conundrum currently. If I app for the CF, I can get the card earlier and the SUB, however, I would have an SD'd card. If I wait, I don't get the sub, but I keep a growing account in my wallet without any pulls, etc, and by then higher CL hopefully.

Re: Future Chase Options

Anonymous — Tue, 12 Mar 2019 14:37:18 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Fair enough. Either option will work then. If you want Chase UR points to be your main "reward," apping for the Freedom and using both Chase cards is the best option. If you just want to get rid of the Freedom Unlimited due to redundancy, then a PC is best.
Figured a CF would be a good match to my Discover it and Cash+ for more 5% cats, since my PPCBMC covers all other bases. Tempting to try apping now, but 4 cards in the past 2 months, don't want to spook Chase. Still got time to work it out.
Are you planning on SD the CFU? You can probably just PC it now without AA if you wanted, that's what it sounds like you want to do. Or do you want to app for that SUB?
From what I've read, Chase requires you having the card a year before you can PC, and mine was opened early Feb this year. If I could PC now, I would have. It will likely get SD'd until I can PC unless I app for the CF earlier. That's the conundrum currently. If I app for the CF, I can get the card earlier and the SUB, however, I would have an SD'd card. If I wait, I don't get the sub, but I keep a growing account in my wallet without any pulls, etc, and by then higher CL hopefully.

Ah, I see. If you do SD the card, maybe there will be a CSP or CSR in your future you can PC to, who knows lol. GL with your conundrum

Re: Future Chase Options

Anonymous — Tue, 12 Mar 2019 14:39:24 GMT

Yep, the brain rattles around a lot more nowadays making conundrums into mazes. Thanks for your input.

Re: Future Chase Options

UpperNwGuy — Tue, 12 Mar 2019 18:55:08 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Fair enough. Either option will work then. If you want Chase UR points to be your main "reward," apping for the Freedom and using both Chase cards is the best option. If you just want to get rid of the Freedom Unlimited due to redundancy, then a PC is best.
Figured a CF would be a good match to my Discover it and Cash+ for more 5% cats, since my PPCBMC covers all other bases. Tempting to try apping now, but 4 cards in the past 2 months, don't want to spook Chase. Still got time to work it out.
Are you planning on SD the CFU? You can probably just PC it now without AA if you wanted, that's what it sounds like you want to do. Or do you want to app for that SUB?
From what I've read, Chase requires you having the card a year before you can PC, and mine was opened early Feb this year. If I could PC now, I would have. It will likely get SD'd until I can PC unless I app for the CF earlier. That's the conundrum currently. If I app for the CF, I can get the card earlier and the SUB, however, I would have an SD'd card. If I wait, I don't get the sub, but I keep a growing account in my wallet without any pulls, etc, and by then higher CL hopefully.

Wait! You just got the CFU in early February of this year? And you already know you don’t like it? That was only a few weeks ago. Did your credit card strategy completely change in those few short weeks? I don’t understand why you didn’t just apply for the CF instead of the CFU in early February.

Re: Future Chase Options

Anonymous — Tue, 12 Mar 2019 19:23:56 GMT

When I was doing apps, I didn't get pre-qualified for the CF, just the CFU (tried a couple refreshes to see if it'd come up as well). So I had decided to go ahead and grab the CFU to get my foot in the door with Chase. Didn't want to try cold apps without pre-qualification just incase, hoping for higher acceptance chance. It isn't that I don't /like/ the CFU, infact I really do. It's just my PPCBMC earns more, however, if Synch decides to be a bit iffy, I likely won't mind swapping to the CFU as an everyday spend. A .5% drop in return is worth it if Synch becomes troublesome. (And Chase's management app is so much better) Currently leaning toward apping for the CF and just having both.

Edit: And the more I think about it, the nicer it sounds to have a backup daily driver just incase, and it has NFC whereas the Synch card doesn't, AND spend alerts, god I wish all of them had alerts.

Re: Future Chase Options

zerofire — Tue, 12 Mar 2019 23:41:33 GMT

The problem between the Chase Freedom and Chase Freedom Unlimited is that they have nearly identical approval standards. As a result the preapproval system will more likely list the later than the former when checking. You actually would have qualified for the Chase Freedom but you only needed to do a cold app which clearly you had no wish to do. Hindsight sadly is always 20/20.

Re: Future Chase Options

Anonymous — Wed, 13 Mar 2019 00:34:35 GMT

@zerofire wrote:
The problem between the Chase Freedom and Chase Freedom Unlimited is that they have nearly identical approval standards. As a result the preapproval system will more likely list the later than the former when checking. You actually would have qualified for the Chase Freedom but you only needed to do a cold app which clearly you had no wish to do. Hindsight sadly is always 20/20.

Well... Poop. Ah well, browsing around my Chase account I'm looking at Shop Through Chase, which would make the CFU really handy for online. Looking around on info of it, it seems to stack ontop if you use the Chase card. i.e. if it offers 2% at a store, buying with the CFU makes a total of 3.5% which can really bolster the CFU. Including the CF if it's within a cat, it'll be 5%+ whatever on the portal. Now having both in the wallet is looking preferable for online shopping. Figure Chase'll toss me a CF around July if I keep good on my current card?

EDIT: Pfft... Logged into Chase and they have a prequalified offer for a Chase Slate under the "Just for you" ehhh no thanks. It seems to be exactly the same as my CFU (as far as APR offers and %), minus the rewards... though it does say free FICO score, assuming TU... My Discover covers that, thank you very much.