Albort
ODV Crew
- Joined
- Oct 9, 2006
i dont think ive seen a Barclay shutdown before... i just know if u plan on churning their cards, they from time to time has denied SUB.
I love credit cards so much! v3.0 (see first page for add'l details)
- Thread starter SouthFayetteFan
- Start date
- Status
i dont think ive seen a Barclay shutdown before... i just know if u plan on churning their cards, they from time to time has denied SUB.
elgerber
DIS Veteran
- Joined
- Feb 17, 2000
I think the worry was with a Citi shutdown? I stopped paying attention, are they still on the warpath?
Albort
ODV Crew
- Joined
- Oct 9, 2006
Only big issue i know with Citi is cycling... other than that, citi doesnt care too much. Believe your thinking of AA on a warpath? AA was shutting ppl's AAvantage down, Citi just sat there twiddling their thumbs...
elgerber
DIS Veteran
- Joined
- Feb 17, 2000
LOL, sorry working 60 hour weeks is killing me, yeah I meant AA.
SouthFayetteFan
Saving Money on Disney Vacations since 2006
- Joined
- Sep 6, 2014
UPDATE to my earlier comment:Reminder - Fireside Chat on SW CP available on DISchurners:
These new offers are nice on the surface, BUT is now the best time to grab a SW card? Not if you're hoping to maximize the use of a CP. If you're thinking about these offers, or the SW CP, or just generally curious, you might want to revisit the comments at the link above before pulling the trigger.
Nonetheless, it's nice to see an increased offer!
EDIT: Also worth noting that if these offers are still around in 2 months or so, they will become very attractive as we will be approaching 2021/2022 CP season.
The increased SW offers currently state Apply by September 21st, 2020.
ASSUMING this date doesn't change (i.e. goes away early OR offer is extended) 9/21 is a workable deadline date for a 2021/2022 companion pass but it will require a lot of careful steps.
- First and foremost, it will require a successful MDD of 2 of the SW personal cards - and in 2020 with additional application scrutiny, this could present difficulties.
- Secondly, you'll probably want to do it as close to 9/21 as possible, BUT you need to allow time to get your cards approved, especially if recon is required for one or both
- And most important, you'll need to avoid any "CP missteps" which have been detailed before AND not meet your MSR before your December statement closes. An additional step that you'll probably need to take is adjusting your payment due date so that your statement closes earlier in December.
snugglebug
DIS Veteran
- Joined
- Dec 9, 2001
Got my flights sorted. I decided to reach out on Twitter because I didn't want to deal with canceling CPs with the one not showing in the main acct. Jenna said I didn't get email notification because "it seems each had encountered an error when we were attempting to initially re-accommodate your travels".
In the middle of DMing her I had to run my ODS to Costco. I had a small panic moment when she said it was all set, but I didn't see the email come through or the flights in my acct. Finally located the email, not sure how I missed seeing it. When I got home I finally realized RR #s weren't attached to the flights. That's all sorted and all is set and right in my little world for the time being. Hopefully they don't change the schedule again.
Our CPs are good until next June. I haven't decided what to do. I'm leaning toward waiting and getting them late 2021/early 2022. At most I see 2 trips late next year if any.
In the middle of DMing her I had to run my ODS to Costco. I had a small panic moment when she said it was all set, but I didn't see the email come through or the flights in my acct. Finally located the email, not sure how I missed seeing it. When I got home I finally realized RR #s weren't attached to the flights. That's all sorted and all is set and right in my little world for the time being. Hopefully they don't change the schedule again.
Our CPs are good until next June. I haven't decided what to do. I'm leaning toward waiting and getting them late 2021/early 2022. At most I see 2 trips late next year if any.
snugglebug
DIS Veteran
- Joined
- Dec 9, 2001
I'm glad mine didn't include an overnight! It seems their system really screwed up these changes this go around.
Thank you! I was thinking about Hyatt. I don't know a ton about it, but I've heard good things about their rewards program. I thought about Marriott too. The redemptions seem really steep for the points - but it would be nice to use some at WDW.
I'm leaning toward Hyatt (personally) for my next card, but with your Marriott and Hilton points maybe try to increase your status at one of those. Swan & Dolphin are Marriott and Marriott has the largest footprint of hotels, but their rewards program seems less well liked than the other two.
Even though I've been following here a year, I still have a lot to learn, so let's see what others recommend.
I was also thinking it would be great to have something that would help to contribute more points to my Chase Ultimate rewards, but I'm not likely to qualify for a business card.
SouthFayetteFan
Saving Money on Disney Vacations since 2006
- Joined
- Sep 6, 2014
A few brief thoughts on the Chase Sapphire Reserve and the month of AUGUST
Hello DISchurners friends and welcome to the month of August. If you're anything like me, you have no idea that it's August because you're still waiting for March Madness, the Masters, the NBA Finals, and a bunch of other things to happen before it could possibly be August...but I assure you, it is in fact AUGUST.
A bit of backstory on the CSR:
August has a very interesting history with the Chase Sapphire Reserve card. You see, back in August 2016, the Chase Sapphire Reserve Card (CSR) was released. Newer churners may not even remember a time before the CSR existed but to many long-time churners it was a defining point in churning history.
The CSR and it's all-time high bonus of 100,000 UR POINTS (yes you read that right) for just $4k MSR was indeed a game changer. What was once a fringe hobby suddenly got thrust in to the mainstream. People were talking about this new credit card and it's sign-up bonus worth $1,500 in free travel! A $450 annual fee seemed like a non-issue. This card, and its big-time bonus brought a bunch of people into the churning game and in my humble opinion, too many of them stuck around. What's done is done, and there's no sense in crying over spilled milk but the Pre-CSR churning days are thought of as the "good old days" by many a veteran churner.
Nonetheless, this new card came along...and attracted a ton of new people, BUT most churners at that time weren't going to be eligible because of that pesky 5/24 which at that time was still a fairly new concept (it first came along in mid-2015).
The LEAKED link:
Monday August 15th, 2016... I'll never forget it. Sometime during the Monday work day, a LIVE link for the CSR was found, and the card wasn't going to be released for another week. And even crazier...the link did NOT have a 5/24 restriction!!
I ALWAYS perused r/churning on Mondays... I was bored, it was Monday, you know the drill. Well this Monday...I didn't. I was busy...doing who knows what... by the time I caught my "T" home...the link was DEAD!
Close to a hundred of my friends on r/churning took advantage of the link in the couple of hours it was up. And then a week later, when the card was officially launched, 5/24 was in place, and everybody who missed out on the leaked link got denied.
For those that care to read a bit more here and here.
August 2017... The ONE Sapphire to rule them all.
On or around August 27th, 2017 - Chase implemented a new rule on the Chase Sapphire card lineup. As we all know now, the "one Sapphire rule" basically tied the bonus eligibility on the 2 cards together. If you earned a bonus on either Sapphire card in the past 24 months, you were now ineligible for a bonus on the other one. So all of those new CSR fans who thought, wow I could get some more URs by grabbing a CSP... were suddenly not able to do so. CSR holders clung to their card stating "My Precious!" (Ok that last part is a little Gollum humor)
August 2018... no CHURN for you!
AGAIN On August 27, now in 2018 (what a crazy coincidence), just weeks before people would officially be able to churn the CSR due to the 24 month restriction... Chase dropped a hammer on churners: 48 MONTH RESTRICTION on the Sapphire line. So now not only was the one sapphire rule in affect, but if you earned a sapphire bonus on either card in the past 48 months you were shut out! Support links lived on for another 3 weeks or so but then those were gone too.
Also in or around August 2018 is when rumblings started about the death of the double dip as Chase began manually closing cards that were applied for on the same day. Of course, as we know now, there still is the MDD which is alive and well to this day, but the death of the double dip was scary for many churners. You can read more about that here.
If you haven't been around this game long, you need to realize that we basically expect doom and gloom. There's a LOT of bad news in this game, lol. You just learn to roll with it!
TODAY... August 2020
So why write all of this now? Well, an interesting milestone is about to arise. Some unknown churner out there will soon be the first person to churn the CSR. If the earliest you could apply was 8/15/16 via a leaked link or 8/22/16 via public link, then even if you met your MSR immediately, that first statement close would not have occurred until Sept 2016 meaning 48 months would happen in Sept 2020. I wonder if there's somebody out there who grabbed a CSR via the leaked link and is still under 5/24 ready to be the first to churn the CSR??
If you're one of those early CSR applicants, it might be worth looking back to see when you earned your CSR bonus because you soon might be eligible for a new Sapphire card.
To be eligible for a CSP and/or CSR bonus here's what I believe are the restrictions:
Hello DISchurners friends and welcome to the month of August. If you're anything like me, you have no idea that it's August because you're still waiting for March Madness, the Masters, the NBA Finals, and a bunch of other things to happen before it could possibly be August...but I assure you, it is in fact AUGUST.
A bit of backstory on the CSR:
August has a very interesting history with the Chase Sapphire Reserve card. You see, back in August 2016, the Chase Sapphire Reserve Card (CSR) was released. Newer churners may not even remember a time before the CSR existed but to many long-time churners it was a defining point in churning history.
The CSR and it's all-time high bonus of 100,000 UR POINTS (yes you read that right) for just $4k MSR was indeed a game changer. What was once a fringe hobby suddenly got thrust in to the mainstream. People were talking about this new credit card and it's sign-up bonus worth $1,500 in free travel! A $450 annual fee seemed like a non-issue. This card, and its big-time bonus brought a bunch of people into the churning game and in my humble opinion, too many of them stuck around. What's done is done, and there's no sense in crying over spilled milk but the Pre-CSR churning days are thought of as the "good old days" by many a veteran churner.
Nonetheless, this new card came along...and attracted a ton of new people, BUT most churners at that time weren't going to be eligible because of that pesky 5/24 which at that time was still a fairly new concept (it first came along in mid-2015).
The LEAKED link:
Monday August 15th, 2016... I'll never forget it. Sometime during the Monday work day, a LIVE link for the CSR was found, and the card wasn't going to be released for another week. And even crazier...the link did NOT have a 5/24 restriction!!
I ALWAYS perused r/churning on Mondays... I was bored, it was Monday, you know the drill. Well this Monday...I didn't. I was busy...doing who knows what... by the time I caught my "T" home...the link was DEAD!
Close to a hundred of my friends on r/churning took advantage of the link in the couple of hours it was up. And then a week later, when the card was officially launched, 5/24 was in place, and everybody who missed out on the leaked link got denied.
For those that care to read a bit more here and here.
August 2017... The ONE Sapphire to rule them all.
On or around August 27th, 2017 - Chase implemented a new rule on the Chase Sapphire card lineup. As we all know now, the "one Sapphire rule" basically tied the bonus eligibility on the 2 cards together. If you earned a bonus on either Sapphire card in the past 24 months, you were now ineligible for a bonus on the other one. So all of those new CSR fans who thought, wow I could get some more URs by grabbing a CSP... were suddenly not able to do so. CSR holders clung to their card stating "My Precious!" (Ok that last part is a little Gollum humor)
August 2018... no CHURN for you!
AGAIN On August 27, now in 2018 (what a crazy coincidence), just weeks before people would officially be able to churn the CSR due to the 24 month restriction... Chase dropped a hammer on churners: 48 MONTH RESTRICTION on the Sapphire line. So now not only was the one sapphire rule in affect, but if you earned a sapphire bonus on either card in the past 48 months you were shut out! Support links lived on for another 3 weeks or so but then those were gone too.
Also in or around August 2018 is when rumblings started about the death of the double dip as Chase began manually closing cards that were applied for on the same day. Of course, as we know now, there still is the MDD which is alive and well to this day, but the death of the double dip was scary for many churners. You can read more about that here.
If you haven't been around this game long, you need to realize that we basically expect doom and gloom. There's a LOT of bad news in this game, lol. You just learn to roll with it!
TODAY... August 2020
So why write all of this now? Well, an interesting milestone is about to arise. Some unknown churner out there will soon be the first person to churn the CSR. If the earliest you could apply was 8/15/16 via a leaked link or 8/22/16 via public link, then even if you met your MSR immediately, that first statement close would not have occurred until Sept 2016 meaning 48 months would happen in Sept 2020. I wonder if there's somebody out there who grabbed a CSR via the leaked link and is still under 5/24 ready to be the first to churn the CSR??
If you're one of those early CSR applicants, it might be worth looking back to see when you earned your CSR bonus because you soon might be eligible for a new Sapphire card.
To be eligible for a CSP and/or CSR bonus here's what I believe are the restrictions:
- Not currently a cardholder of a CS, CSP, or CSR (if you have one you can simply PC to a CF or CFU to get around this - you don't have to close the card).
- 48 months have passed since you earned (and posted) any signup bonus on a Sapphire card.
Last edited:
SouthFayetteFan
Saving Money on Disney Vacations since 2006
- Joined
- Sep 6, 2014
Related to my previous post... my biggest churning facepalm moment of 2016:
afan
Honorary Bus Driver
- Joined
- Dec 30, 2014
Hopefully more dp's come out before people start PCing and apping for a new CSR. Starting to look like Chase might be denying for being 2/6, though nothing concrete yet. But more people on r/churning are coming in with denials that would normally not be getting them, similar to the people here. Def going to change things once it's sorted out enough to know what it all means.
EACarlson
DIS Veteran
- Joined
- Jan 27, 2019
How much are you going to be traveling by air? And what is your spend usually on?
Really the only UR card you don't have other than business is a Freedom, not a bad card but not something great for SUB purposes. I'm partial to the AMEX Gold, that SUB got me and my whole family to WDW last year, and is going to get me and my wife to Europe in DeltaOne eventually. Another that quite a few people here love is the Hilton Aspire, I'm really considering upgrading my no AF version to it. I just downgraded my Delta Gold to a Delta Blue, the only two differences were the checked bag and earlier boarding, I can do without those things to save the $99 AF.
Thanks for your response!
We will basically be traveling by air, anytime we go on vacation. Last year, that was 4 times, but that might be high. I'd safely say 2 times a year, with 2 of us. I like to get away during the winter months.
My monthly spend is usually on home remodeling, some dining, utilities, clothes, household, and limited groceries (we get other discounts on majority of our groceries).
The Freedom doesn't really appeal to me since most of the benefit is for grocery.
I don't know a lot about the membership points for AMEX. I'm seeing a SUB for the Amex Gold of 35,000 points now - is that about what you had seen? Or do you think it would be worth holding off for a bit for a better offer? Not sure how far those go, compared to Chase URs.
Judique
Dis Veteran, Beach Lover at BWV, BCV, HHI, VB
- Joined
- Aug 1, 2003
I just saw a SUB for the Gold of 50K. I pulled it up on the Amex site without logging in.
I already have the card but was checking to see what SUB would pop up.
In any case a support link will get you 40K, but if you keep looking you'll probably find the 50K offer.
georgina
DIS Veteran
- Joined
- Apr 21, 2003
Well, we are some of those relative newbies, so I guess some of the too many who stuck around? My DD got the CSR in 2016, but the fee kept me away until I started reading this thread. We were among the last of the DD'ers on 8/26/18!
I was in my early churning days back then- I was at universal orlando when the leaked link came out. I was only 2/24 at the time so I applied via the regular link. 2 years ago I was ready to churn- shut down lol.
So come October, I’ll be attempting a csp/ csr double dip at 4/24. If I don’t get them, I’d be back to 0/24 by February and I haven’t applied for any new cars since my last cip in February.
Here we go- how’s it gonna blow up this time.
Also I have no idea why I’m still so interested in this- I have 485,000 UR, 195,000 Rapid rewards, 150,000 Marriott points and a 35k free night certificate, and 125,000 MR.
Oh and no travel plans for the foreseeable future.
EACarlson
DIS Veteran
- Joined
- Jan 27, 2019
The SUB when I got mine almost two years ago was 60,000. I use more MR for two reasons, I have more of them, and they transfer to Delta. I put all my dining and groceries on it, usually get about 6,000 MR per month. Before COVID, I was looking at using MR for flights to Paris, it was 50,000 for a flight in C+. MR transfers to Hilton at 1:2 so one MR is worth 2 Honors points. Depending on where you do your household shopping, Meijer counts as groceries.
One other thing that might be worth looking into is upgrading your Delta card to the Platinum or Reserve. The Platinum offers an annual coach companion ticket and some additional benefits over the Gold.
Thanks for the tip! I’ll keep looking
SouthFayetteFan
Saving Money on Disney Vacations since 2006
- Joined
- Sep 6, 2014
You know I love you guys here
Thanks for the extra info. It does seem like a good direction to go. I may keep looking for a better offer though.
I was thinking about upgrading my delta Amex to Platinum. I’ll have to look at the rules for the companion pass. I don’t know when we’ll really start to travel again and would hate for it to expire.
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