Pro tip: Meeting spend requirements for CSR

Anonymous · ‎01-09-2017

Just wanted to give you guys a tip for meeting the spend requirements.

You can add anyone as AU then remove them without being charged the fee. You have 30 days to cancel the AU.

This is because the card number is the same as the primary cardholder's number and the AU can continue to use the card even after you cancel the AU from your account.

Just thought I'd share since that's what I'm doing with my dad's account, and I'm still using the card perfectly even after cancelling.

Anonymous · ‎01-09-2017

Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?

CreditCuriosity · ‎01-09-2017

OP is correct whether it is right or wrong to do I am not to judge this one. I recently PC'ed my CSP to the CSR and realized I had two AU on the account and didn't want to pay the 150 for them so cancelled their cards (parents as they have plenty of credit) and CSR from JPM executive said cards are still good, but they have been removed as AU's. I asked for Chase to send me envelopes to send those cards back as hard to destroy along with a few old and scratches Ritz cards I have that I want to dispose of.

Anonymous · ‎01-09-2017

@Anonymous wrote:
Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?

Both work. I've used it online and in person.

Chase reps ask the primary cardholder to destroy the card or send it to them to destroy it after you cancel an AU. They also advise that the card still works, so I was surprised by that.

Anonymous · ‎01-09-2017

@Anonymous wrote:
@Anonymous wrote:
Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?
Both work. I've used it online and in person.

Chase reps ask the primary cardholder to destroy the card or send it to them to destroy it after you cancel an AU. They also advise that the card still works, so I was surprised by that.

It sort of makes sense. Isn't the justification for the AF for the AU that the AU can get Priority Pass for themselves? Obviosuly there is no separate $300 travel credit etc, so without PP it's similar (with 3x rather than 2x) having an AU on the CSP which is free.

So, if so, the real test would be whether the expired AUs are able to apply for or keep PP membership.

Anonymous · ‎01-09-2017

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?
Both work. I've used it online and in person.

Chase reps ask the primary cardholder to destroy the card or send it to them to destroy it after you cancel an AU. They also advise that the card still works, so I was surprised by that.
It sort of makes sense. Isn't the justification for the AF for the AU that the AU can get Priority Pass for themselves? Obviosuly there is no separate $300 travel credit etc, so without PP it's similar (with 3x rather than 2x) having an AU on the CSP which is free.

So, if so, the real test would be whether the expired AUs are able to apply for or keep PP membership.

I got my priority pass membership. Applied before canceling AU. Need to check if it still works. My guess is that it does.

Anonymous · ‎01-10-2017

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Interesting that this works. I would of thought Chase would remove the AU name from their system when you cancelled causing a name mis-match when using the card after cancellation. You say this has been working ... have you made an online purchase with the "expired" AU or just card present transactions?
Both work. I've used it online and in person.

Chase reps ask the primary cardholder to destroy the card or send it to them to destroy it after you cancel an AU. They also advise that the card still works, so I was surprised by that.
It sort of makes sense. Isn't the justification for the AF for the AU that the AU can get Priority Pass for themselves? Obviosuly there is no separate $300 travel credit etc, so without PP it's similar (with 3x rather than 2x) having an AU on the CSP which is free.

So, if so, the real test would be whether the expired AUs are able to apply for or keep PP membership.
I got my priority pass membership. Applied before canceling AU. Need to check if it still works. My guess is that it does.

Do find out for sure and let us know!

rlx01 · ‎01-10-2017

Chase doesn't even cycle the CVC when doing product changes.

When I PC'ed a CSP to a FU, a new card came with identical number/exp/CVC. The old CSP cards still work. Same for AUs.

CreditCuriosity · ‎01-10-2017

@rlx01 wrote:
Chase doesn't even cycle the CVC when doing product changes.

When I PC'ed a CSP to a FU, a new card came with identical number/exp/CVC. The old CSP cards still work. Same for AUs.

This is untrue in my case at least.. I PC'ed Freedom to FU and got a new CVC along with Exp date.

Anonymous · ‎01-10-2017

@CreditCuriousity wrote:
@rlx01 wrote:
Chase doesn't even cycle the CVC when doing product changes.

When I PC'ed a CSP to a FU, a new card came with identical number/exp/CVC. The old CSP cards still work. Same for AUs.
This is untrue in my case at least.. I PC'ed Freedom to FU and got a new CVC along with Exp date.

Isn't the CVC a function of card number, exp date and issuer? So I guess they didn't change the exp date for rlx01, did for CC, hence the difference. CreditCuriosity, was the old card near expiration when you PC'd?