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  1. Yes, I think that is the best option, going to the branch with passport and birth certificate. It would be great if they have a better offer than 50,000 points.
  2. I applied for Chase Reserve nearly a month ago online with no immediate approval or denial. I called and got the 30 day further investigation automated message. After a few days, I stopped checking the automated message and then forgot about it at Thanksgiving. Finally, on Saturday, December 8, I got a letter dated November 17 reading to call in 14 days as there may have been a fraudulent application? It wasn't fraud. I didn't get through on Saturday since they closed by the time I got the letter. I tried on Monday but was on hold for far too long. I finally got through and was told the application is no longer in the system and I need to reapply....and wait 60 days? Really? Because Chase and/or USPS was delayed, I need to wait 2 months to apply? Does that even make sense? I thought about going to the local branch to apply but wanted to check here first. Is that even an option, applying in person?
  3. Damn! I wish I had checked before trying to get the CSR card. I can't get the bonus because I got a bonus with CSP. I still want the CSR though since I need to make some large purchases this month. I can't upgrade to the Reserve card until January 2019 since I have not had the Preferred card long enough to product change.
  4. We're making some changes to your credit card benefits Thank you for being a Chase customer. We're discontinuing two of the purchase protection benefits our Chase Sapphire Preferred® customers receive with their credit cards and want to explain how this affects your account. Here's what's changing on August 26, 2018 Price Protection and Return Protection will no longer be available. Please click here to see your updated guide to benefits. If you book a trip or make a purchase before August 26, it will be covered under the current terms. You'll continue to enjoy your other benefits, which aren't changing 2X points on travel and dining at restaurants, 1 point per $1 spent on all other purchases1 Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®1 No foreign transaction fees when traveling outside the U.S.2 24/7 direct access to dedicated customer service specialists Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, Purchase Protection, Extended Warranty Protection, Lost Luggage Reimbursement, Baggage Delay, Travel Accident Insurance, Travel and Emergency Assistance Services, and Roadside Dispatch® Coming soon, we'll be introducing exciting improvements to the Chase Ultimate Rewards® site, including new air and hotel packages, more flight options, new last-minute and seasonal deals on hotels, and special gift card offers. We appreciate your business and hope you continue to enjoy all the benefits your Chase Sapphire Preferred card offers. If you have questions, please call us anytime at the number on the back of your card. Sincerely, Matthew J. Massaua General Manager Chase Sapphire
  5. Update: We're changing some of the benefits you get with your credit card Thank you for being a Chase customer. We're changing some of the benefits Freedom Unlimited® Visa Signature® customers receive with their credit cards and want to explain how this affects your account. Here's what's changing on August 26, 2018 Trip Cancellation/Interruption Insurance is changing. Starting August 26, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares if your trip is canceled or cut short by sickness, severe weather and other covered situations. Price Protection, Return Protection, Lost Luggage Reimbursement and Travel Accident Insurance will no longer be available. Please click here to see your updated guide to benefits. If you book a trip or make a purchase before August 26, it will be covered under the current terms. You'll continue to enjoy your other benefits, which aren't changing Unlimited 1.5% Cash Back on every purchase.1 Cash Back Rewards do not expire as long as your account is open and there is no minimum to redeem for Cash Back.1 Zero Liability Protection for unauthorized purchases and Fraud Protection.2 Auto Rental Collision Damage Waiver, Purchase Protection, Extended Warranty Protection, Travel and Emergency Assistance Services and Roadside Dispatch®. Coming soon, we'll be introducing exciting improvements to the Chase Ultimate Rewards® site, including new air and hotel packages, more flight options, new last-minute and seasonal deals on hotels, and special gift card offers. We appreciate your business and hope you continue to enjoy all the benefits your Freedom Unlimited card offers. If you have questions, please call us anytime at the number on the back of your card. Sincerely, William J. Mahoney General Manager Card Services
  6. effective 7/29/2018 Car Rental insurance drops to $50K Trip Cancellation max $5K per trip & limited to family members Damage & theft up to $10k per incident for 90 days from purchase Trip delay, baggage delay, lost baggage & emergency travel assistance limited to family members Citi price rewind max $200 per item and $1k per year 90 day return protection up to $300 per item and $1k per year Current benefits Travel Coverage: The ThankYou Premier offers emergency travel assistance like helping with arrangements or emergency cash transfers, travel accident insurance up to $500,000, trip cancellation and interruption insurance up to $5,000 and trip delay protection up to $500 per covered person. Baggage Coverage: If your checked bag is delayed, Citi will reimburse you up to $100, while if it’s lost, it goes up to $3,000 per covered traveler per trip or up to $10,000 total for all travelers in the same group. Auto Rental Insurance: Citi offers insurance on car rentals worldwide up to $100,000. In the United States, this coverage is secondary, but outside the US, the coverage is primary, even if you have another insurance policy. Citi Price Rewind: Like other Citi cards, this one offers Price Rewind, with which cardholders can register specific purchases and which will monitor those prices and reimburse the difference to you if that price drops within 60 days. The coverage is up to $500 per item and $2,500 per calendar year. Return Protection: If you try to return an item within 90 days of purchase and the merchant will not accept it, Citi may refund you the purchase price of the item up to $500 per article and up to $2,500 per year. Purchase Protection: If you purchase an item with your card and/or ThankYou points, and it is damaged or stolen within 120 days for most jurisdictions, Citi will repair or reimburse you for it up to $10,000 per item and up to $50,000 per year per Citi card account.
  7. Chase Adds Restrictions for Earning the Southwest Companion Pass https://thriftytraveler.com/chase-adds-restrictions-companion-pass/ Chase just announced changes to the personal versions of their co-branded credit cards with Southwest Airlines. Effective immediately, you will no longer be able to open a co-branded Southwest credit card if you currently hold one of the Southwest co-branded personal credit cards or you have earned a new cardmember bonus within the last 24 months. This new restriction is quite the blow for earning the Southwest Companion Pass. There are currently two personal versions of Southwest’s co-branded credit cards, The Southwest Rapid Rewards Premier Credit Card & the Southwest Rapid Rewards Plus Credit Card. You were previously able to be approved for both cards which made earning the Southwest Companion Pass quite simple. It is important to note that this new restriction does not apply to the Southwest Rapid Rewards Business Credit Card. This means that you can still hold one of the personal cards and be approved for the business card (assuming you have a qualifying business) on your way to earning the Companion Pass. Our AnalysisI have long thought that the Southwest Companion Pass is one of the best deals out there. For years, Chase and Southwest have made this relatively easy to earn, so it doesn’t come as a surprise that they are adding restrictions to this. This is also the same restriction Chase added for their Sapphire branded family of credit cards. If you hold either the Chase Sapphire Preferred or the Chase Sapphire Reserve credit cards, you will not be able to be approved for the other one. You will also not be able to earn a sign up bonus if you have earned one from the Sapphire family within the past 24 months. Bottom LineThe Southwest Companion Pass is one of the best deals around. This new restriction makes earning the pass less attainable for many people, unless they are eligible to hold a business card. It is also worth noting that all three Southwest Airlines co-branded credit cards are impacted by Chase’s 5/24 rule. Through 5/24 and these new restrictions, earning the pass just got a little more difficult.
  8. I'm blacklisted from AMEX after burning them about 10 years ago. They told me that if I pay off the charged-off balance, they will give me new cards. I have no plans to do that. Spouse hasn't tried to app for AMEX in a while (like 2 years with zero credit score). Scores are 761 - 787 - 784 now.
  9. Often times I think customer service reps are merely reading a script as demonstrated by your conversation.
  10. Finally got the consolidation completed after a credit balance hit (refund of annual fee). I have to wait for a check though since the credit balance cannot be moved to my Premier SW card.
  11. As of 1/15 this mortgage is reporting paid/closed on all three bureaus. Looking at my myFICO alerts, on the day each mortgage TL updated there were changes from my previous FICO 8 score as follows: 1/12/18 - Experian (-7) 1/13/18 - Equifax (-8) 1/15/18 - TransUnion (no change) The only open installment loan remaining is the mortgage on our other house, which is reporting at ~92% of its original balance (since it was refinanced in mid 2016). Here is where my FICO 8s are immediately after the mortgage reported as closed on the third bureau: Why the point drop? My understanding is the closed installment loan should stay on record for 10 years and be calculated in your score. Going from one open installment loan with a low balance (relative to the original loan amount) to zero with those attributes is most likely the cause. The one remaining mortgage is our only open installment account, and it is reporting at > 90% (but not for long). We are slowly closing student loan accounts. I hadn't considered the point drop since the closed account will report for 10 years.
  12. Hah! I get those alerts. Got one last week when I opened CSP.
  13. As of 1/15 this mortgage is reporting paid/closed on all three bureaus. Looking at my myFICO alerts, on the day each mortgage TL updated there were changes from my previous FICO 8 score as follows: 1/12/18 - Experian (-7) 1/13/18 - Equifax (-8) 1/15/18 - TransUnion (no change) The only open installment loan remaining is the mortgage on our other house, which is reporting at ~92% of its original balance (since it was refinanced in mid 2016). Here is where my FICO 8s are immediately after the mortgage reported as closed on the third bureau: Why the point drop? My understanding is the closed installment loan should stay on record for 10 years and be calculated in your score.
  14. Yes, Excel. For the loan we just paid off I was using a template I found on Office Online (I can't seem to locate the specific one at the moment). Google will find you a good one with limited effort. I'm using this one for the remaining mortgage (the one on our primary home): https://www.vertex42.com/ExcelTemplates/arm-calculator.html. This one works well for ARMs, because the rate doesn't have to be a constant value. We have a unique ARM product on this mortgage, so being able to change the go-forward rate while leaving the historic one(s) intact was a requirement for this one. Great job! We are using this same calculator to pay off our 10/1 ARM and remaining student loans. The rates are so low (3 1/8% & 3.5) that we have considered putting that cash into the stock market. I like the idea of being debt free though, so mortgage & loans get the extra cash.
  15. There are tons of people who are afraid of credit cards. PIF and don't buy things if you can't PIF is a simple strategy. It's not the credit card, it's the user.

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