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Points and Miles Could Becom Harder to Earn

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

Points and Miles Could Becom Harder to Earn

Enjoy them while they're still easy

https://www.vox.com/the-goods/2019/1/2/18165633/credit-cards-points-miles-chase-sapphire-american-ex...
Starting Score: TU 631 - EX 641 - EQ 669
Current Score: TU 676 - EX 672 - EQ 728
Goal Score: 750


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Message 1 of 7
6 REPLIES 6
Community Leader
Super Contributor

Re: Points and Miles Could Becom Harder to Earn

The piece has a few errors in it, such as claiming that closing a credit card hurts your score.  But otherwise it is interesting.

 

 

 

Message 2 of 7
Established Contributor

Re: Points and Miles Could Becom Harder to Earn

ouch

 

"Chase is considering not allowing cardholders to pool points accrued across multiple credit cards. "


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Message 3 of 7
Super Contributor

Re: Points and Miles Could Becom Harder to Earn


@chriswmfeng wrote:

ouch

 

"Chase is considering not allowing cardholders to pool points accrued across multiple credit cards. "


As much as this sucks, it really isn't surprising. There are blogs and sites telling people to get the Chase trifecta and all that. It's not shocking they would want to make it more difficult to get huge value out of the points.

Message 4 of 7
Moderator Emeritus

Re: Points and Miles Could Becom Harder to Earn


@kdm31091 wrote:

@chriswmfeng wrote:

ouch

 

"Chase is considering not allowing cardholders to pool points accrued across multiple credit cards. "


As much as this sucks, it really isn't surprising. There are blogs and sites telling people to get the Chase trifecta and all that. It's not shocking they would want to make it more difficult to get huge value out of the points.


Except as I recall they announced they were going to do that last year and the response nixed it.

 

I suspect they will go a different way, though I definitely pool my points on a regular basis now.




        
Message 5 of 7
New Contributor

Re: Points and Miles Could Becom Harder to Earn

I have heard about this, and I personally do not like this. Financial Companies make BILLIONS off of their customers each year, and its fine line where they are loosing money.

 

These compaies such as American Express that is listed in the article, and one that does not come to no suprise. These companies offset the cost by merchant fees, and finding ways to increase interest rates.

Message 6 of 7
Established Contributor

Re: Points and Miles Could Becom Harder to Earn

I can see not pooling URs across differnt Cardholder, ie Wife/Husband/Partner etc. But all UR cards in your own name should be able to, they're not really losing out on anthing unless the points are all from SUBs. But if you're genuine earner, and earn enough points/Miles naturally to pay for a trip. You shouldn't be told how and when you can use them, you earned them fair and square by using the card they're making Money on.

Especially on an AF Card, where you're paying extra for perks.

 

 

 

Message 7 of 7