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I love credit cards so much! v3.0 (see first page for add'l details)

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Looking for a little help:
I'm hearing reports that Chase "Black Star" and/or "Green Star" preapproved offers have completely disappeared from online accounts. If you have a few minutes can you login to your Chase account on a computer, and go to the menu on the left and find "Just For You" under Explore Products. When you click it, reply to this message if you see any black star or green star offers for Chase cards. It would be sad if these were truly gone - feel free to reply either way if you see them or not.

A little more detail on why these were magical:
https://www.doctorofcredit.com/bypa...ss-cards-with-black-star-just-for-you-offers/https://www.doctorofcredit.com/new-way-bypass-chase-524-online-need-datapoints/https://www.doctorofcredit.com/new-chase-preapproved-offer-method-to-bypass-5-24/
Nothing for me. Just an offer of bonus points for referrals on my Chase Hyatt card. But I have never checked there for offers, so don't know if I ever had any.
 
I had a couple of green star offers - not sure if this is what you were looking for.
Ok well that's cool! The SW one is obviously not desirable given the larger bonus out there right now, BUT at least we know there are some offers out there. Sometimes people will see increased offers for the Sapphire or Freedom cards in this section for example, that would be an even more meaningful DP. And of course seeing a black star biz offer would be the best of all.

Thanks for checking and reporting back :)
 
Many side gigs can qualify as a business for credit cards - tutoring, babysitting, rentals, selling on eBay, etc. You would apply as a sole proprietor and use your name as the business name. This doesn't help you with Chase business cards though, as they don't seem to be approving sole proprietors much these days. You are 3/24 - 3 new personal cards in the last 24 months. Chase won't approve you once you get to 5/24. Business cards don't go towards this count as long as they don't show up on your personal credit report (most don't). If you choose not to go for business cards, then I think your next cards should be Chase cards. If wouldn't make sense to go for personal cards from other issuers, take up the last 2 slots, and lock yourself out of Chase. In this case, I would consider the Hyatt and the Bonvoy Boundless (which is currently elevated at 100k).

The Hyatt is a nice keeper card if you can use the category 1-4 free night every renewal (after the first year) on something that costs more than the $95 annual fee.

Both Chase and Amex have Bonvoy cards, there are some complicated rules about which cards you can get when you've had others. If you get the Chase Bonvoy Boundless, I think it effectively locks you out of the Amex Bonvoy cards for 2 years. You can check this chart if you want details (sorry to link TPG lol).
https://thepointsguy.com/guide/eligibility-chart-marriott-bonvoy-cards/
Only Amex has a Bonvoy business card though, so if you decide to go for business cards, maybe you'd rather go down the Amex track. The bonus on that isn't currently elevated though, so I wouldn't do that now.



When you upgrade a card with Amex, you lock yourself out of the bonus. It would be better to apply for the Delta Plat than to upgrade, but the bonus isn't elevated at the moment. Amex bonuses are usually once per "lifetime", so it's best to catch them at the highest possible.
Thank you! This is great information.
Since I have points already, I might go with the Chase Bonvoy for now. I probably won't keep it long term though. Is there a recommended amount of time to keep a card that you don't want long term?
 
Thank you! This is great information.
Since I have points already, I might go with the Chase Bonvoy for now. I probably won't keep it long term though. Is there a recommended amount of time to keep a card that you don't want long term?
You will always want to keep a card for a full year. If it has an annual fee, at the end of the year, you can consider canceling the card to avoid the fee, paying the fee if the card is worth it, OR downgrading the card to a no annual fee option if one exists.

With American Express, you also want to consider whether keeping a card beyond a year makes sense since they might label you as a "gamer" canceling cards after a year. BUT that's not a problem with any other card issuer that we know of.
 


Looking for a little help:
I'm hearing reports that Chase "Black Star" and/or "Green Star" preapproved offers have completely disappeared from online accounts. If you have a few minutes can you login to your Chase account on a computer, and go to the menu on the left and find "Just For You" under Explore Products. When you click it, reply to this message if you see any black star or green star offers for Chase cards. It would be sad if these were truly gone - feel free to reply either way if you see them or not.

A little more detail on why these were magical:
https://www.doctorofcredit.com/bypa...ss-cards-with-black-star-just-for-you-offers/https://www.doctorofcredit.com/new-way-bypass-chase-524-online-need-datapoints/https://www.doctorofcredit.com/new-chase-preapproved-offer-method-to-bypass-5-24/

On my account (combined business and personal cards):
515974

On DH's personal account:
515975

On DH's business account:
515977

So, basically, we just had referral offers and checking account bonuses.
 
Looking for a little help:
I'm hearing reports that Chase "Black Star" and/or "Green Star" preapproved offers have completely disappeared from online accounts. If you have a few minutes can you login to your Chase account on a computer, and go to the menu on the left and find "Just For You" under Explore Products. When you click it, reply to this message if you see any black star or green star offers for Chase cards. It would be sad if these were truly gone - feel free to reply either way if you see them or not.

EDIT: If you have a Chase biz login and an old chase personal login, you might actually want to check both as they could show different things.

A little more detail on why these were magical:
https://www.doctorofcredit.com/bypa...ss-cards-with-black-star-just-for-you-offers/https://www.doctorofcredit.com/new-way-bypass-chase-524-online-need-datapoints/https://www.doctorofcredit.com/new-chase-preapproved-offer-method-to-bypass-5-24/
Nothing here either, on both personal and biz logins.
 
While out for my bike ride this morning I was hit by a car. I leave the house early (before sunrise). I am always a bit nervous about riding into the rising sun when I head east for the homeward portion of my ride. As I was ascending the steepest hill of my ride (heading east with the sun rising in front of me), a small car hit me, then kept going. He did slow down twice (I think to see if I was upright), but never stopped. Luckily I was able to stay on my bike, probably because he hit my butt with the passenger side mirror. The impact was such that the mirror smashed and was hanging from his car. Fortunately he didn't rip my bike shorts or hit my bike. Unfortunately I didn't get his license plate number, just a description of the vehicle.

I called the police a little while ago and they said I would have to drive to a collision report center and report the accident. They won't investigate (apparently they get 30 'failures to remain' a day) because they simply don't have the manpower. If I had gotten the license plate they would have contacted the owner of the vehicle, but without it there is nothing they can do. I thought they would notify body shops, but apparently that is not something they do because there are too many and they don't have the staff. So the idiot that hit me and drove away gets away with it :mad::mad::mad:, which sucks.

I am thankful that I am not seriously hurt (other than a very sore and stiff behind) -- it could have been so much worse.
 


While out for my bike ride this morning I was hit by a car. I leave the house early (before sunrise). I am always a bit nervous about riding into the rising sun when I head east for the homeward portion of my ride. As I was ascending the steepest hill of my ride (heading east with the sun rising in front of me), a small car hit me, then kept going. He did slow down twice (I think to see if I was upright), but never stopped. Luckily I was able to stay on my bike, probably because he hit my butt with the passenger side mirror. The impact was such that the mirror smashed and was hanging from his car. Fortunately he didn't rip my bike shorts or hit my bike. Unfortunately I didn't get his license plate number, just a description of the vehicle.

I called the police a little while ago and they said I would have to drive to a collision report center and report the accident. They won't investigate (apparently they get 30 'failures to remain' a day) because they simply don't have the manpower. If I had gotten the license plate they would have contacted the owner of the vehicle, but without it there is nothing they can do. I thought they would notify body shops, but apparently that is not something they do because there are too many and they don't have the staff. So the idiot that hit me and drove away gets away with it :mad::mad::mad:, which sucks.

I am thankful that I am not seriously hurt (other than a very sore and stiff behind) -- it could have been so much worse.
OMG! I'm so glad you weren't injured. I hope karma gets them.
 
I'm trying to move points from DH's business card to CSR. He has separate logins for business and personal accounts.

When I click on Combine Points, it takes me to a screen where you can add household member/company owner. When I add his CSR account number and last name, it says "An unexpected error occurred". Can you no longer combine points this way? Can I move them to my account and then back to his?

I'm trying to move from a CIP to his CSR if that matters. Last night I moved my points to his CSR without issue.

Thanks for any guidance!
 
While out for my bike ride this morning I was hit by a car. I leave the house early (before sunrise). I am always a bit nervous about riding into the rising sun when I head east for the homeward portion of my ride. As I was ascending the steepest hill of my ride (heading east with the sun rising in front of me), a small car hit me, then kept going. He did slow down twice (I think to see if I was upright), but never stopped. Luckily I was able to stay on my bike, probably because he hit my butt with the passenger side mirror. The impact was such that the mirror smashed and was hanging from his car. Fortunately he didn't rip my bike shorts or hit my bike. Unfortunately I didn't get his license plate number, just a description of the vehicle.

I called the police a little while ago and they said I would have to drive to a collision report center and report the accident. They won't investigate (apparently they get 30 'failures to remain' a day) because they simply don't have the manpower. If I had gotten the license plate they would have contacted the owner of the vehicle, but without it there is nothing they can do. I thought they would notify body shops, but apparently that is not something they do because there are too many and they don't have the staff. So the idiot that hit me and drove away gets away with it :mad::mad::mad:, which sucks.

I am thankful that I am not seriously hurt (other than a very sore and stiff behind) -- it could have been so much worse.

That's awful! I'm glad it wasn't worse too!
 
Looking for a little help:
I'm hearing reports that Chase "Black Star" and/or "Green Star" preapproved offers have completely disappeared from online accounts. If you have a few minutes can you login to your Chase account on a computer, and go to the menu on the left and find "Just For You" under Explore Products. When you click it, reply to this message if you see any black star or green star offers for Chase cards. It would be sad if these were truly gone - feel free to reply either way if you see them or not.

EDIT: If you have a Chase biz login and an old chase personal login, you might actually want to check both as they could show different things.

A little more detail on why these were magical:
https://www.doctorofcredit.com/bypa...ss-cards-with-black-star-just-for-you-offers/https://www.doctorofcredit.com/new-way-bypass-chase-524-online-need-datapoints/https://www.doctorofcredit.com/new-chase-preapproved-offer-method-to-bypass-5-24/

2 Personal and 2 Biz all show the same
515985
 
Looking for a little help:
I'm hearing reports that Chase "Black Star" and/or "Green Star" preapproved offers have completely disappeared from online accounts. If you have a few minutes can you login to your Chase account on a computer, and go to the menu on the left and find "Just For You" under Explore Products. When you click it, reply to this message if you see any black star or green star offers for Chase cards. It would be sad if these were truly gone - feel free to reply either way if you see them or not.

EDIT: If you have a Chase biz login and an old chase personal login, you might actually want to check both as they could show different things.

A little more detail on why these were magical:
https://www.doctorofcredit.com/bypa...ss-cards-with-black-star-just-for-you-offers/https://www.doctorofcredit.com/new-way-bypass-chase-524-online-need-datapoints/https://www.doctorofcredit.com/new-chase-preapproved-offer-method-to-bypass-5-24/
I have one, although it's not too interesting IMO. I have never looked there before!

515990

There were three other offers there but none of those had stars.

And in my case I had the same offer on just my personal login and my business login.
 
Looking for a little help:
I'm hearing reports that Chase "Black Star" and/or "Green Star" preapproved offers have completely disappeared from online accounts. If you have a few minutes can you login to your Chase account on a computer, and go to the menu on the left and find "Just For You" under Explore Products. When you click it, reply to this message if you see any black star or green star offers for Chase cards. It would be sad if these were truly gone - feel free to reply either way if you see them or not.

EDIT: If you have a Chase biz login and an old chase personal login, you might actually want to check both as they could show different things.

A little more detail on why these were magical:
https://www.doctorofcredit.com/bypa...ss-cards-with-black-star-just-for-you-offers/https://www.doctorofcredit.com/new-way-bypass-chase-524-online-need-datapoints/https://www.doctorofcredit.com/new-chase-preapproved-offer-method-to-bypass-5-24/
I have the same 2 offers on all 4 accounts...one for a checking account bonus, the other a support link .
 
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Looking for a little help:
I'm hearing reports that Chase "Black Star" and/or "Green Star" preapproved offers have completely disappeared from online accounts. If you have a few minutes can you login to your Chase account on a computer, and go to the menu on the left and find "Just For You" under Explore Products. When you click it, reply to this message if you see any black star or green star offers for Chase cards. It would be sad if these were truly gone - feel free to reply either way if you see them or not.

EDIT: If you have a Chase biz login and an old chase personal login, you might actually want to check both as they could show different things.

A little more detail on why these were magical:
https://www.doctorofcredit.com/bypa...ss-cards-with-black-star-just-for-you-offers/https://www.doctorofcredit.com/new-way-bypass-chase-524-online-need-datapoints/https://www.doctorofcredit.com/new-chase-preapproved-offer-method-to-bypass-5-24/
I have separate biz and personal logins but have the same offers under both, a checking/ savings offer, a business checking offer and Hyatt referral.
 
While out for my bike ride this morning I was hit by a car. I leave the house early (before sunrise). I am always a bit nervous about riding into the rising sun when I head east for the homeward portion of my ride. As I was ascending the steepest hill of my ride (heading east with the sun rising in front of me), a small car hit me, then kept going. He did slow down twice (I think to see if I was upright), but never stopped. Luckily I was able to stay on my bike, probably because he hit my butt with the passenger side mirror. The impact was such that the mirror smashed and was hanging from his car. Fortunately he didn't rip my bike shorts or hit my bike. Unfortunately I didn't get his license plate number, just a description of the vehicle.

I called the police a little while ago and they said I would have to drive to a collision report center and report the accident. They won't investigate (apparently they get 30 'failures to remain' a day) because they simply don't have the manpower. If I had gotten the license plate they would have contacted the owner of the vehicle, but without it there is nothing they can do. I thought they would notify body shops, but apparently that is not something they do because there are too many and they don't have the staff. So the idiot that hit me and drove away gets away with it :mad::mad::mad:, which sucks.

I am thankful that I am not seriously hurt (other than a very sore and stiff behind) -- it could have been so much worse.
That is infuriating but I am glad you are OK. And that your bike seems to be OK.

Not saying it would net any results but if you're on FB you might ask your local friends to look out for that car. Would be distinctive with the mirror hanging off.
 
So here is a question. I reduced credit limits on CIPs as time went by, and now I don't have enough of a total credit limit to average out among them in preparation for doing a PC. (I believe it's minimum $5K to do this?)

Would it be ok to just cancel one outright?

Does that question even make sense? This is my bedtime so there's a good chance it doesn't!
 
So here is a question. I reduced credit limits on CIPs as time went by, and now I don't have enough of a total credit limit to average out among them in preparation for doing a PC. (I believe it's minimum $5K to do this?)

Would it be ok to just cancel one outright?

Does that question even make sense? This is my bedtime so there's a good chance it doesn't!
List out the biz cards you have and each of their CLs. 😊
 
Looking for a little help:
I'm hearing reports that Chase "Black Star" and/or "Green Star" preapproved offers have completely disappeared from online accounts. If you have a few minutes can you login to your Chase account on a computer, and go to the menu on the left and find "Just For You" under Explore Products. When you click it, reply to this message if you see any black star or green star offers for Chase cards. It would be sad if these were truly gone - feel free to reply either way if you see them or not.

EDIT: If you have a Chase biz login and an old chase personal login, you might actually want to check both as they could show different things.

A little more detail on why these were magical:
https://www.doctorofcredit.com/bypa...ss-cards-with-black-star-just-for-you-offers/https://www.doctorofcredit.com/new-way-bypass-chase-524-online-need-datapoints/https://www.doctorofcredit.com/new-chase-preapproved-offer-method-to-bypass-5-24/
My Biz (with personal linked):
Biz.PNG

ETA: Same account, later login (same offer, but order changed):
515999
 
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