Future Chase Options

Anonymous · ‎03-12-2019

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.

HeavenOhio · ‎03-12-2019

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.

Anonymous · ‎03-12-2019

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.

Anonymous · ‎03-12-2019

@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

Anonymous · ‎03-12-2019

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.

Anonymous · ‎03-12-2019

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.

Anonymous · ‎03-12-2019

@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.

Anonymous · ‎03-12-2019

@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?

Anonymous · ‎03-12-2019

@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.

Anonymous · ‎03-12-2019

@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