How many chase cards do you have?

[Anonymous]

Your only limit with Chase is how much total exposure they'll grant.

[FinStar]

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@Anonymous wrote:

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@FinStar wrote:

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@Anonymous wrote:

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@FinStar wrote:

Currently 6 (previously 11):

Freedom

CSP

United MPS

United MPE

SWA Premier

Ritz-Carlton

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11.  Wow. Didn't know Chase would let you have that many.  Btw what is United MPS?  

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Yup, used to have Amazon, Freedom MC, Freedom Exclusives MC, British Airways, Chase Rewards (a couple originated from FCNBD and WaMu) and the United Mileage Plus Select is a grandfathered Continental WEMC (now merged with United's MP program).

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Thanks!  That's a lot of Chase lovin :-)

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Sure!  All things considered (internal score, history, income, relationship), if you treat Chase well and play your cards right (no pun intended ), they can be generous.  For the sake of simplicity and rewards structures I simply consolidated/redistributed the CLs on those older accounts to the current ones I have.

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

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@FinStar wrote:

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@Anonymous wrote:

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@FinStar wrote:

Currently 6 (previously 11):

Freedom

CSP

United MPS

United MPE

SWA Premier

Ritz-Carlton

---

11.  Wow. Didn't know Chase would let you have that many.  Btw what is United MPS?  

---

Yup, used to have Amazon, Freedom MC, Freedom Exclusives MC, British Airways, Chase Rewards (a couple originated from FCNBD and WaMu) and the United Mileage Plus Select is a grandfathered Continental WEMC (now merged with United's MP program).

---

Thanks!  That's a lot of Chase lovin :-)

---

Sure!  All things considered (internal score, history, income, relationship), if you treat Chase well and play your cards right (no pun intended ), they can be generous.  For the sake of simplicity and rewards structures I simply consolidated/redistributed the CLs on those older accounts to the current ones I have.

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Can't churn em too much if you wanna stay in their good graces.

[FinStar]

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@Anonymous wrote:

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@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

Currently 6 (previously 11):

Freedom

CSP

United MPS

United MPE

SWA Premier

Ritz-Carlton

---

11.  Wow. Didn't know Chase would let you have that many.  Btw what is United MPS?  

---

Yup, used to have Amazon, Freedom MC, Freedom Exclusives MC, British Airways, Chase Rewards (a couple originated from FCNBD and WaMu) and the United Mileage Plus Select is a grandfathered Continental WEMC (now merged with United's MP program).

---

Thanks!  That's a lot of Chase lovin :-)

---

Sure!  All things considered (internal score, history, income, relationship), if you treat Chase well and play your cards right (no pun intended ), they can be generous.  For the sake of simplicity and rewards structures I simply consolidated/redistributed the CLs on those older accounts to the current ones I have.

---

Can't churn em too much if you wanna stay in their good graces.

---

Exactly.  Hence why I haven't had any issues with obtaining newer products from them.  In the past (i.e. FCNBD or WaMU) they simply converted the former legacy products to the most appropriate one in their current product structure.  It was no surprise for folks (post-conversion) to end up with 2 Slates or 3 Freedoms (MC & V). 

Plus they keep track of individuals who churn, even with the most recent 2-year restriction.  At some point, if you are unprofitable to them and have evidence of churning patterns, they will shut down your cards and will cut their ties (regardless how much $$ you have with the bank).  If you like Chase and their products, never p**p where you sleep

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

---

@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

Currently 6 (previously 11):

Freedom

CSP

United MPS

United MPE

SWA Premier

Ritz-Carlton

---

11.  Wow. Didn't know Chase would let you have that many.  Btw what is United MPS?  

---

Yup, used to have Amazon, Freedom MC, Freedom Exclusives MC, British Airways, Chase Rewards (a couple originated from FCNBD and WaMu) and the United Mileage Plus Select is a grandfathered Continental WEMC (now merged with United's MP program).

---

Thanks!  That's a lot of Chase lovin :-)

---

Sure!  All things considered (internal score, history, income, relationship), if you treat Chase well and play your cards right (no pun intended ), they can be generous.  For the sake of simplicity and rewards structures I simply consolidated/redistributed the CLs on those older accounts to the current ones I have.

---

Can't churn em too much if you wanna stay in their good graces.

---

Exactly.  Hence why I haven't had any issues with obtaining newer products from them.  In the past (i.e. FCNBD or WaMU) they simply converted the former legacy products to the most appropriate one in their current product structure.  It was no surprise for folks (post-conversion) to end up with 2 Slates or 3 Freedoms (MC & V). 

Plus they keep track of individuals who churn, even with the most recent 2-year restriction.  At some point, if you are unprofitable to them and have evidence of churning patterns, they will shut down your cards and will cut their ties (regardless how much $$ you have with the bank).  If you like Chase and their products, never p**p where you sleep

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So with their current pattern of anti-churn (BTW, much less onerous than AMEX's), How would you go about it?

[FinStar]

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@Anonymous wrote:

---

@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

Currently 6 (previously 11):

Freedom

CSP

United MPS

United MPE

SWA Premier

Ritz-Carlton

---

11.  Wow. Didn't know Chase would let you have that many.  Btw what is United MPS?  

---

Yup, used to have Amazon, Freedom MC, Freedom Exclusives MC, British Airways, Chase Rewards (a couple originated from FCNBD and WaMu) and the United Mileage Plus Select is a grandfathered Continental WEMC (now merged with United's MP program).

---

Thanks!  That's a lot of Chase lovin :-)

---

Sure!  All things considered (internal score, history, income, relationship), if you treat Chase well and play your cards right (no pun intended ), they can be generous.  For the sake of simplicity and rewards structures I simply consolidated/redistributed the CLs on those older accounts to the current ones I have.

---

Can't churn em too much if you wanna stay in their good graces.

---

Exactly.  Hence why I haven't had any issues with obtaining newer products from them.  In the past (i.e. FCNBD or WaMU) they simply converted the former legacy products to the most appropriate one in their current product structure.  It was no surprise for folks (post-conversion) to end up with 2 Slates or 3 Freedoms (MC & V). 

Plus they keep track of individuals who churn, even with the most recent 2-year restriction.  At some point, if you are unprofitable to them and have evidence of churning patterns, they will shut down your cards and will cut their ties (regardless how much $$ you have with the bank).  If you like Chase and their products, never p**p where you sleep

---

So with their current pattern of anti-churn (BTW, much less onerous than AMEX's), How would you go about it?

---

While some strategies would work best than others, I'm thinking time.  But, only for those heavy points and worth-it cards, such as Ritz, Marriott, CSP, etc.  If you close your account and/or downgrade to avoid AF, they can tell - especially if your usage/spending waned down considerably after redeeming the rewards.  If you apply 2 years later, they will see that you had a prior card of the same rewards structure (pick one) and your will be watched very closely.

[Anonymous]

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@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

---

@Anonymous wrote:

---

@FinStar wrote:

Currently 6 (previously 11):

Freedom

CSP

United MPS

United MPE

SWA Premier

Ritz-Carlton

---

11.  Wow. Didn't know Chase would let you have that many.  Btw what is United MPS?  

---

Yup, used to have Amazon, Freedom MC, Freedom Exclusives MC, British Airways, Chase Rewards (a couple originated from FCNBD and WaMu) and the United Mileage Plus Select is a grandfathered Continental WEMC (now merged with United's MP program).

---

Thanks!  That's a lot of Chase lovin :-)

---

Sure!  All things considered (internal score, history, income, relationship), if you treat Chase well and play your cards right (no pun intended ), they can be generous.  For the sake of simplicity and rewards structures I simply consolidated/redistributed the CLs on those older accounts to the current ones I have.

---

Can't churn em too much if you wanna stay in their good graces.

---

Exactly.  Hence why I haven't had any issues with obtaining newer products from them.  In the past (i.e. FCNBD or WaMU) they simply converted the former legacy products to the most appropriate one in their current product structure.  It was no surprise for folks (post-conversion) to end up with 2 Slates or 3 Freedoms (MC & V). 

Plus they keep track of individuals who churn, even with the most recent 2-year restriction.  At some point, if you are unprofitable to them and have evidence of churning patterns, they will shut down your cards and will cut their ties (regardless how much $$ you have with the bank).  If you like Chase and their products, never p**p where you sleep

---

So with their current pattern of anti-churn (BTW, much less onerous than AMEX's), How would you go about it?

---

While some strategies would work best than others, I'm thinking time.  But, only for those heavy points and worth-it cards, such as Ritz, Marriott, CSP, etc.  If you close your account and/or downgrade to avoid AF, they can tell - especially if your usage/spending waned down considerably after redeeming the rewards.  If you apply 2 years later, they will see that you had a prior card of the same rewards structure (pick one) and your will be watched very closely.

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Well, the Marriott I intend on keeping because of the complimentary Cat 1-5 night in exchange for the relatively small AF. The Ritz will prove it's worth to me based on whether those reimbursements keep, but that $10,000/yr to Gold Elite is also pretty useful, as well as No added AF for AU's. The CSP I could see keeping past the AF if they don't cut out any more benefits.

The SWA, I'll admit was/is pretty much a churn for me, and initially a test to see if Chase even wanted to bother with me, Lol.

[chalupaman]

Oh man. I hope they don't get pissed off at the fact that I just wanted to have a more usable limit for my AARP. I closed out my SW card (it was mainly to get in with Chase in the first place) and I think just to be safe, I'll leave the Ritz open for much much longer and keep that one in the next year depending on whether I find that benefits outweigh the costs. I learn something new from this forum literally every day.

[Anonymous]

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@chalupaman wrote:

Oh man. I hope they don't get pissed off at the fact that I just wanted to have a more usable limit for my AARP. I closed out my SW card (it was mainly to get in with Chase in the first place) and I think just to be safe, I'll leave the Ritz open for much much longer and keep that one in the next year depending on whether I find that benefits outweigh the costs. I learn something new from this forum literally every day.

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Erhm...How long did you have it?

[chalupaman]

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@Anonymous wrote:

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@chalupaman wrote:

Oh man. I hope they don't get pissed off at the fact that I just wanted to have a more usable limit for my AARP. I closed out my SW card (it was mainly to get in with Chase in the first place) and I think just to be safe, I'll leave the Ritz open for much much longer and keep that one in the next year depending on whether I find that benefits outweigh the costs. I learn something new from this forum literally every day.

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Erhm...How long did you have it?

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Since August and I'm probably never doing that again now that I've read what you've two have had to say about Chase. I really wanted to make the AARP even more of a mainstay in my wallet and just felt like I didn't need the SW card at that point.