@Anonymous wrote:
@09Lexie wrote:
@Anonymous wrote:
@ccb2115 wrote:Sorry if this is a stupid question/has been asked before....If I add an AU to my CSP & Freedom for the bonus UR points, does it matter how long I keep them as an AU? I prefer to not have any AUs, but I am willing to add for the bonus points. Will I be flagged for churning or whatever if I remove someone shortly after receiving the points...or should I keep them on for at least 3-6 months to be safe?
One thing you could do is request a card with your name on it. They don't ask for SSN, just the name, so if you are John Doe, you could request cards with J Doe as the name. Worked for me with my 2 Chase cards and I have the points. You can leave yourself as an AU as long as you want. Keep the cards or dispose of them, doesn't matter. I did this so I wouldn't have to add someone to my account and have it show on their reports. As a new account, it could hurt their credit. Also know that you don't have to use the AU card at all. If you read the bonus terms closely, you get the bonus if you add an AU and make a purchase. They did not say the purchase had to be with a specific card. I never used my AU cards, which have my first initial and last name and still got the bonus with no issues.
Let's be careful advising someone to us a fictitious name in order to obtain a bonus. Any perceived violation of the lenders Cardmember Agreement can result in AA. He 5k bonus is not worth having a tl closed.
Didn't realize it was risky. I wasn't suggesting acutally saying J Doe, but using your first initial and last name, which is a real name. I'm pretty sure they have no problem with that. Lots of people have cards with names other than your full legal name, some banks like Amex ask what you want your first card to have on it, while Chase makes you request and additional card.
Lenders may allow different names but not to receive bonuses or benefits that were not earned. In Chase's Cardmember Agreement they either if you asks to terminate an AU account, they may close the current account and issue a new account number.
So would using my little brother's name be alright? I also don't want him to start getting any CC preapproval mailers because of this. Haha
@Anonymous wrote:
@09Lexie wrote:
@Anonymous wrote:
@09Lexie wrote:Let's be careful advising someone to us a fictitious name in order to obtain a bonus. Any perceived violation of the lenders Cardmember Agreement can result in AA. He 5k bonus is not worth having a tl closed.
Didn't realize it was risky. I wasn't suggesting acutally saying J Doe, but using your first initial and last name, which is a real name. I'm pretty sure they have no problem with that. Lots of people have cards with names other than your full legal name, some banks like Amex ask what you want your first card to have on it, while Chase makes you request and additional card.
Lenders may allow different names but not to receive bonuses or benefits that were not earned. In Chase's Cardmember Agreement they either if you asks to terminate an AU account, they may close the current account and issue a new account number.
I do see where it says the account may be closed if you remove an AU, but this is not related to adding yourself as an AU or adding an AU for bonuses. I think they have the notice about the account number in there so if you wanted to cut off an AU and make sure they couldn't make purchases when they still had the card, you would need a new card number and this is offered, not something that happens every time. When I requested the additional card, I didn't see anywhere where it had any requirements about who the AU should be, so I really don't think this is something they have an issue with. Plenty of people who go by names other than their full legal name will immediately request a card with that name after opening an account, so I don't see this as a risky practice. It is certainly possible, so if you don't think it's a good idea, maybe people should be careful about it. I do agree the 5k is not worth the trouble, but in my situation, it has not been a problem.
I think the point you are missing is that an AU by definition is another person not the primary account holder. What might seem no big deal to you it is not what Chase or any other lender would allow. If you think about bonus abuse, if every Chase primary account holder added themselves as an AU the meager 5k bonus points wouldn't be so inconsequential.
It is easy enough to think singular but rules are meant for everyone and when a lender as large as Chase thinks there has been abuse, everyone will be affected.
