The Ultimate Guide To Chase Ultimate Rewards Credit Cards

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Over the past few years, Chase has built what I’d argue is the most compelling transferable points currency and portfolio of cards, with their Chase Ultimate Rewards portfolio.

The Ultimate Rewards program is so incredibly well rounded, thanks to the big welcome bonuses offered by the cards, the valuable bonus categories for spend, and the great perks.

In this post I wanted to take a closer look at the seven credit cards that potentially earn Ultimate Rewards points, and just about everything you need to know about them.


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Why should you care about Chase Ultimate Rewards points?

So many people leave points on the table by not maximizing their credit card rewards. Every time you spend money on your credit card sub-optimally you’re basically throwing away money.

There are a few things that make earning Chase Ultimate Rewards points worthwhile:

  • Chase Ultimate Rewards cards have among the best welcome bonuses of any credit cards, so the points you can earn from these cards add up fast
  • Chase has really generous credit cards that offer as many as 5x points per dollar spent, so your Ultimate Rewards points balance will add up fast
  • Ultimate Rewards points give you a lot of flexibility, since points can be redeemed as cash towards the cost of a travel purchase, or can be transferred to airline or hotel partners to get the most value there

What can you do with Ultimate Rewards points?

How does a night at the Park Hyatt Maldives for 25,000 points sound, where a night would often cost over $1,000?

Or just 110,000 points for roundtrip ANA first class from Los Angeles to Tokyo, for a ticket that would cost $20,000 if paying cash?

Or just 12,500 points for an economy ticket from the West Coast to Hawaii on Alaska Airlines or American Airlines?

All of these things are possible with Ultimate Rewards points, if you put in some effort (I’ll have more strategies on redeeming Ultimate Rewards points below).

The Chase Ultimate Rewards “ecosystem”

What impresses me so much about Chase Ultimate Rewards is how they’ve created an unrivaled credit card ecosystem. What do I mean by that?

There are lots of great credit cards out there individually. One of the mistakes people often make when collecting miles and points is that they diversify their points too much. They’ll have 20,000 points in one account, 15,000 points in another, and 30,000 in another, and they won’t have enough for the reward they want.

What’s great is that with Chase Ultimate Rewards you have access to seven different credit cards that potentially earn these points. So whether you want a personal or business card, or a $450 annual fee or no annual fee card, you have so many cards to choose from. That’s valuable.
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What credit cards earn Chase Ultimate Rewards points?

There are three credit cards that directly earn Ultimate Rewards points:

Then there are four no annual fee credit cards that earn points that can be converted into Ultimate Rewards points, in conjunction with any of the above cards:

A bit further down I’ll talk about how you can combine points, so that the points earned on the no annual fee cards can be turned into full Ultimate Rewards points, which helps maximize their value.

Now let’s look a bit more closely at the details of each of these cards:

Chase Sapphire Reserve® Card

The Sapphire Reserve is the most premium card in the portfolio. The card has a $450 annual fee and offers a welcome bonus of 50,000 Ultimate Rewards points after spending $4,000 within three months.

The card is also extremely rewarding, as it offers triple points on all dining and travel purchases, with no limits to how many bonus points you can earn.

The card comes with lots of other great perks as well, including a $300 annual travel credit (any travel purchase will automatically be reimbursed, up to the limit), a Priority Pass membership with the ability to take two guests, the ability to redeem points for 1.5 cents each towards the cost of a travel purchase, a TSA Pre-Check or Global Entry fee credit every four years, primary CDW coverage for car rentals, excellent travel protection, and no foreign transaction fees.

Chase Sapphire Preferred® Card

The Sapphire Preferred is a great alternative to the Sapphire Reserve for someone who doesn’t want to pay as high of an annual fee. The card has a $95 annual fee (waived the first year) and offers a welcome bonus of 50,000 Ultimate Rewards points after spending $4,000 within three months.

The card is also extremely rewarding, as it offers double points on all dining and travel purchases, with no limits to how many bonus points you can earn.

The card also offers primary CDW coverage for car rentals, excellent travel protection, and no foreign transaction fees.

Chase Freedom Unlimited®

The Freedom Unlimited has no annual fee and offers a welcome bonus of 15,000 points after spending $500 within three months.

This card offers a flat 1.5x points per dollar spent, making this one of the best cards for everyday spend.

For example, in conjunction with the Sapphire Reserve, you can earn 1.5x points per dollar spent, and each point can be redeemed for 1.5 cents towards a travel purchase, meaning you’re looking at a return of 2.25%.

Chase Freedom®

The Freedom has no annual fee and offers a welcome bonus of 15,000 points after spending $500 within three months.

This card offers 5x points in rotating quarterly categories, on up to $1,500 of spend per quarter. So this is a great complement to the other cards, though wouldn’t be my go-to card for everyday spend. But in select categories it’s an excellent option.

Ink Business Preferred℠ Credit Card

The Ink Business Preferred is the most premium business card in the portfolio. The card has a $95 annual fee and offers a welcome bonus of 80,000 Ultimate Rewards points after spending $5,000 within three months.

The card offers 3x points on the first $150,000 of combined purchases per cardmember year on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines.

The card comes with lots of other great benefits, including primary CDW coverage for business car rentals, no foreign transaction fees, and best of all, an excellent cell phone protection plan that you don’t see on many cards.

Ink Business UnlimitedSM Credit Card

The Ink Business Unlimited has no annual fee and offers a huge welcome bonus of 50,000 points after spending $3,000 within three months.

This card is essentially the business version of the Freedom Unlimited, and offers a flat 1.5x points per dollar spent, making this one of the best cards for everyday spend.

The card also offers primary CDW for business car rentals, making it one of the few no annual fee cards where that’s the case.

Ink Business Cash℠ Credit Card

The Ink Business Cash has no annual fee and offers a huge welcome bonus of 50,000 points after spending $3,000 within three months.

This card offers excellent bonus categories, including 5x points on the first $25,000 of combined purchases per cardmember year on office supply stores, internet, cable TV, mobile phones, and landlines, and 2x points on the first $25,000 of combined purchases per cardmember year on restaurants and gas stations.

The card also offers primary CDW for business car rentals, making it one of the few no annual fee cards where that’s the case.
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Earning Ultimate Rewards points

Ultimate Rewards points can rack up much quicker than you might expect, thanks to the big welcome bonuses the cards offer, the bonuses they offer on everyday spend, and even Shop through Chase, which allows you to earn bonus points for purchases you make online.

What are the welcome bonuses on Chase Ultimate Rewards credit cards?

Thinking of picking up a card earning Ultimate Rewards points? Here’s how the seven welcome bonuses on these cards compare, roughly ranked from the most generous to the least generous:

Which Chase Ultimate Rewards cards earn the most points?

These seven cards all have different relative strengths in terms of the bonus categories that they offer.

Here’s how the bonus categories compare on the four personal cards:

Then when it comes to the three business cards:

The beauty of there being a portfolio of seven cards is that you can mix and match these cards to maximize the number of points you can earn.

What is “Shop through Chase?”

Shop through Chase can earn you thousands of additional bonus points per year for your online shopping. You can find this feature when you log into your Ultimate Rewards account. The way it works is that they partner with hundreds of retailers and offer bonus points for purchases you’d make anyway.

The number of bonus points you can earn with popular retailers varies significantly, but the idea is that just by clicking through to those sites through the Chase website, your purchases will be tracked for bonus points.

I use this all the time to earn more points with popular retailers. Partner retailers include everything from Apple to Neiman Marcus to Walgreens.


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How many Chase cards can you have?

There’s not a strict limit with regards to how of the above seven cards you can have. Theoretically you could have all seven of these cards if you wanted to.

You’re even potentially eligible to pick up all three of the Chase Ink Cards, and you could receive the welcome bonuses on all of them. The one restriction to be aware of relates to the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® Card.

Specifically, you’re not eligible to apply for the Sapphire Preferred or Sapphire Reserve if you have either of the cards, or have received a new cardmember bonus on either card in the past 48 months. This restriction doesn’t apply to any of the other Ink Cards, but this is something to be aware of when deciding between the Sapphire Preferred and Sapphire Reserve.

Can you product change between cards?

Do note that assuming you’ve had any of these cards for at least a year, it should be possible to product change them.

This means that you can call up Chase and you should be able to swap any of the three business cards for one of the other business cards, or any of the four personal cards for one of the four personal cards. When you do this you won’t be eligible for the new cardmember bonus, though.
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What are the rules for applying for Chase cards?

Chase’s general restrictions on applying for cards are as follows:

  • There’s no hard limit on how many Chase credit cards you can be approved for, but rather there’s often a maximum amount of credit they’re willing to extend you, in which case you may be asked to switch around your credit limits on some cards in order to facilitate an approval
  • You can typically be approved for at most two Chase credit cards in 30 days, though there are some inconsistencies when it comes to that; that means you could apply for two credit cards the same day if you want (assuming you haven’t applied for other Chase cards in the past 30 days), or you could space them out
  • As mentioned above, you’re potentially eligible for six of the seven cards, including the welcome bonuses (the only cards you have to choose between are the Sapphire Preferred and Sapphire Reserve)

Understanding the “5/24” rule

Chase has what’s often referred to as the 5/24 rule, whereby you won’t be approved for many of their cards if you’ve opened five or more new cards in the past 24 months. All of the above Chase Ultimate Rewards cards are subjected to this rule. This is more of a general guideline than a strict rule, though. Here’s what you should know about 5/24:

  • A vast majority of new credit card accounts will count towards that limit, meaning that opening five or more cards in 24 months will make you ineligible for certain Chase cards (including all of the posts we’re talking about here)
  • One exception is most non-Chase business cards, like The Business Platinum® Card from American Express OPENThe Business Gold Rewards Card from American Express OPENThe Blue Business℠ Plus Credit Card from American Express, etc., don’t count towards this limit
  • There are people who report not having any issues being approved for a card even though they surpassed the 5/24 rule, so it’s not consistently enforced
  • This is mostly anecdotal, since Chase doesn’t officially publish this restriction for most cards
  • Chase has hinted at expanding this to all cards in the future, so if you’re over the limit and interested in one of the cards, I’d recommend applying sooner rather than later
  • While Chase business cards are subjected to 5/24 (meaning you won’t be approved if you’re at the five card limit), note that applying for a Chase business card doesn’t count as a further card towards that five card limit; that’s to say that if you’re at 4/24 and apply for a Chase business card, you’ll still be at 4/24

If you’re not sure of your 5/24 status, one of those ways is to use Credit Karma. See this post for a step-by-step of how to check your current standing.

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Are you eligible for a Chase business credit card?

Chase’s portfolio of business credit cards is among my favorite aspects of Chase Ultimate Rewards.

Eligibility for a small business credit card is easier than you might think. You don’t need to have a big company, and don’t even need to be incorporated. Even a small side business with limited business revenue makes you eligible for a business credit card, even if you’re just selling things on eBay or have a rental, for example.

When applying for a Chase business card, you’ll be asked the following questions, in addition to the typical personal questions about your income, Social Security Number, etc.:

  • Legal name of business
  • Business mailing address & phone number
  • Type of business
  • Tax identification number
  • Number of employees
  • Annual business revenue/sales
  • Years in business

If you’re a sole proprietorship, how should you approach this? First of all, and most importantly, answer everything truthfully. I think the concern that a lot of people have is that they think they need an incorporated business, a separate office, etc., in order to be considered for a business card. That’s not the case:

  • You can use your name as the legal name of your business
  • The business mailing address and phone number can be the same as your personal address and phone number
  • If you’re a sole proprietorship, you can select that as your type of business
  • For the tax identification number, you can put your social security number
  • For number of employees, saying just one is perfectly fine
  • For your annual business revenue, there’s nothing with saying zero, or whatver the amount is
  • For years in business, there’s no shame in saying that it’s new, that it has been 1-2 years, etc.

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How do you combine Chase Ultimate Rewards points?

As I explained above, there are three cards that earn Ultimate Rewards points, and four cards that earn points that can be converted into Ultimate Rewards points. The great news is that you can easily combine all of these points into a single Ultimate Rewards account, and then redeem them together.

The easiest way to do this is to make sure that all your Chase cards have the same online log-in. This typically requires setting up your personal cards under a business log-in, since business cards can’t generally be added to a personal log-in. If you don’t have that set up, call Chase online support and they can merge your online log-ins. Once you have it set up, it should be smooth sailing going forward.

Just log into your Ultimate Rewards account, and on the main page you’ll see a listing of all the cards you have, assuming they’re linked correctly. Just select the card that has the points that you want to transfer to another card (ideally you’d be transferring from one of the no annual fee cards to one of the premium cards, so you can maximize the value of your points).

Then on the next page click on the “Combine points” tab, and then you’ll be asked where you want to move points from and to.

You’ll be asked how many points you want to transfer, and you might as well transfer all of them. You can always transfer them back, and this doesn’t adjust the expiration of your points, or anything.

Then once you’re in the account you transferred points to, you’ll see the points there, including the expanded options for redeeming them (I’ll talk more about redeeming Ultimate Rewards points below).

Can you transfer Chase points to a friend or family member?

In addition to being able to combine points across all of your own accounts, you can also transfer your Ultimate Rewards points to a member of your household or the owner of your company (for a business card).

Here are the terms associated with this:

You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household or owner of the company, as applicable. If we suspect that you’ve engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you’ve misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you’ve already earned. If we believe you’ve engaged in any of these acts, we’ll close your credit card account and you’ll lose all your points.

If you want to transfer points to someone, go to the “Combine points” page, and then at the bottom right of the page you’ll see an option to “Add household member/company member.”

Click that, and then you’ll be asked to enter the account number and last name of the person you wish to transfer points to, which would either be a member of your household or the owner of the company.

For the most part Chase uses the honor system here (in the sense that they don’t typically ask for verification of the business or household relationship), though I wouldn’t recommend trying anything creative. If they suspect that you’re transferring points in a way that violates the rules, they may shut down your account. So you won’t want to make transfers to multiple accounts.
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Redeeming Chase Ultimate Rewards points

What makes Ultimate Rewards points so valuable is how many options there are for redeeming the points, whether you’re looking for a flight, hotel stay, or other travel purchase. You can also redeem for cash (as I’ll discuss below), though that’s not how I’d choose to redeem these points.

How much can Chase Ultimate Rewards points be redeemed for?

The value of the points earned on these cards differs. Generally speaking, you can redeem these points as either cash back towards the cost of a purchase, or convert them into airline or hotel points with a partner program. Here’s a chart showing the different values of the points:

Ultimate Rewards cardValue of points if redeemed for cash backCan points can be transferred to partners?

Chase Sapphire Reserve®

1.5¢ per point when redeemed towards travel through the Ultimate Rewards portal
Yes, and having this card makes all your Ultimate Rewards points transferable

Chase Sapphire Preferred® Card

1.25¢ per point when redeemed towards travel through the Ultimate Rewards portal
Yes, and having this card makes all your Ultimate Rewards points transferable

Ink Business Preferred℠ Credit Card

1.25¢ per point when redeemed towards travel through the Ultimate Rewards portal
Yes, and having this card makes all your Ultimate Rewards points transferable

Ink Business Unlimited℠ Credit Card

1¢ per point
No (or only in conjunction with a premium card on this list)

Ink Business Cash℠ Credit Card

1¢ per point
No (or only in conjunction with a premium card on this list)

Chase Freedom®

1¢ per point
No (or only in conjunction with a premium card on this list)

Chase Freedom Unlimited®

1¢ per point
No (or only in conjunction with a premium card on this list)

The great news is that you can always pool points, and the value you get from the points across all seven cards is based on the most valuable card you have.

So as long as you have the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card or Ink Business Preferred℠ Credit Card, the points you earn across all seven of these cards can be converted into airline miles or hotel points with any of the Chase Ultimate Rewards partners.

If you’d rather redeem your points towards the cost of a travel purchase with no blackout dates, then ideally you’d have the Chase Sapphire Reserve®, which allows you to redeem points from any of the cards for 1.5 cents. Meanwhile if the highest card you have is the Chase Sapphire Preferred® Card or Ink Business Preferred℠ Credit Card, then you can redeem points for 1.25 cents each towards the cost of a travel purchase.

What airlines and hotels does Chase Ultimate Rewards partner with?

Chase Ultimate Rewards points can be transferred at a 1:1 ratio to the following 13 programs, including nine airline programs and four hotel programs:

AirlinesHotels
Aer Lingus Aer ClubIHG Rewards Club
Air France/KLM Flying BlueMarriott Rewards
British Airways Executive ClubRitz-Carlton Rewards
Iberia PlusWorld Of Hyatt
JetBlue TrueBlue
Singapore KrisFlyer
Southwest Airlines Rapid Rewards
United MileagePlus
Virgin Atlantic Flying Club

What are some good uses of Chase Ultimate Rewards points?

You generally have two ways you can redeem Ultimate Rewards points efficiently. You can redeem them as cash towards the cost of a travel purchase, and you can read all about how to book travel through the Chase portal in this post.

The other option is to transfer points to one of Chase’s airline or hotel partners. If you want to learn the best ways to stretch your Ultimate Rewards points for flight redemptions (especially in first and business class) here’s a series Spencer wrote with all the details of that:

What about redeeming for cash back or gift cards?

You could redeem Ultimate Rewards points for gift cards or cash back, though it’s not a good deal. When using this redemption option you get at most one cent of value per point, which is significantly less than the value you get if redeeming for travel (a minimum of 1.25 cents per point) or transferring to an airline or hotel partner.

Ultimate Rewards points are excellent travel rewards cards, but wouldn’t be my go-to option if you want a cash back card.

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What’s the best starter strategy for Chase points?

For someone who is just getting started with credit cards and points, I think the Chase Sapphire Preferred® Card is an unbeatable starter card.

  • It has a low $95 annual fee, which is waived for the first year, so it’s a way to “try out” the program before you have to pay an annual fee
  • The card offers a welcome bonus of 50,000 points upon completing minimum spend
  • It offers double points on dining and travel, which is popular with many
  • Having this card lets you unlock Ultimate Rewards points, since you can transfer the points to airline and hotel partners
  • It offers great car rental coverage
  • If the card works out well for you but you want the Chase Sapphire Reserve®, you can always upgrade to that card after a year

Alternatively, if you travel a lot and value lounge access, just start with the Chase Sapphire Reserve®.

While the card’s $450 annual fee might sound high, the card offers a $300 annual travel credit that can be used towards any purchases coded as travel, it offers triple points on dining and travel, a Priority Pass membership that gets you access to 1,200+ lounges around the world, and more.

If you’re eligible for a business credit card, I think the Ink Business Preferred℠ Credit Card is a great option. It has incredible bonus categories, the most generous welcome bonus of any card, an excellent cell phone protection plan, and more.
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Bottom line

Regardless of whether you’re new to miles and points or a veteran, Chase has created one of the most lucrative credit card currencies there is with Ultimate Rewards. Hopefully the above acts as a good resource if you’re trying to figure out anything about the currency.

What other questions do you have about Chase Ultimate Rewards?

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Comments

  1. I have a CSR and my wife has a CSP. If we were to downgrade her card to the CFU, would her points still be able to transfer to me? Or does she need to hold onto the base UR card?

  2. I’d really appreciate if you’d do an updated post on the Amex system as well (especially w/ addition of new gold card). We just spent all our 2+ years of saved up UR points for an epic trip, and we’re trying to assess whether to stay with the Chase system or switch to Amex. Any guidance (go w/ X Bank in Y situations) would be a huge help. Thanks!

  3. Chase doesn’t let you self refer and get the referral bonus as well as the sign on bonus for the same card.

    Only amex allows that.

  4. @Lucky. Both me and my wife have the Ink Business Preferred, but NO personal cards earning UR points. Can we combine the UR points from our business accounts?
    Also, if in the future we get those personal UR-earning cards, can we transfer UR points FROM the business UR account to the personal one? Then after that presumably we would be able to transfer UR points from one personal account to the other? Thank you.

  5. Maybe I’m dense but your language on 5/24 and business cards still confuses me. I have the following cards (in order of application since 4/2017): Ink Cash (downgraded from Preferred), Sapphire Reserve, Freedom (downgraded from Sapphire Preferred), Freedom Unlimited. I also have a Citi Premier. So I have four personal cards, three of them from Chase, and one Chase business. Does that mean I’m effectively 4/24 and eligible for another card, or 5/24 and not eligible?

  6. Can I product change from CSP to CSR after my first year? My current CL on CSP is 7k. Can I SM to increase the CL before changing to CSR or do I have to call in? Will increasing CL result in hard pull?

  7. @ Bart — The Ink Cash wouldn’t count as one of the cards towards the 5/24 limit. If in the past 24 months you’ve only otherwise applied for the Sapphire Reserve, Freedom, Freedom Unlimited, and Citi Premier, you’d be at 4/24 right now. Hope that helps.

  8. @ Daniel B. — Yep, in all those cases points transfers should be possible. You’d be able to also transfer points from a business to personal UR card.

  9. @ logan — In my experience Chase does a soft pull if they offer you a credit line increase, while they do a hard pull if you request one. You should be able to secure message to do it.

  10. @Lucky: Thank you. So just to confirm (sorry, if I sound paranoid, but I do not want to do anything against rules), as long as we are spouses and living at the same address, UR points can be transferred between our SEPARATE BUSINESS card accounts (Ink Business Preferred)? We do not yet have any personal UR-earning accounts. Thank you as always for answering my questions.

  11. @ Daniel B. — That’s correct, the terms state the following, so I’d interpret them as meaning you’d be okay:
    “You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household or owner of the company, as applicable. If we suspect that you’ve engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that you’ve misused Ultimate Rewards in any way (for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards) we may temporarily prohibit you from earning points or using points you’ve already earned. If we believe you’ve engaged in any of these acts, we’ll close your credit card account and you’ll lose all your points.”

  12. Thank you for detailed refresher post, Lucky! I was not familiar with Chase shopping portal at all even thought I use United shopping portal all the time. I always prefer to have UR points over any particular program’s points, so I will definitely use Chase one!

  13. The best way to maximize the points is to redeem for travel through Chase travel because of the 50% bonus, if you hold the Reserve card. Transfer to other airlines and hotels shall be done only for some small top up to redeem for something with them, but as this website always says which is true that the credit card points are more valuable due to flexibility. A combination of Chase cards is likely the ideal strategy.

  14. While I think Chase is better than American Express in terms of customer service, the also fill miserably with applications. I have a LLC for a rental property. Not a huge income thing but completely legitimate. I have one Chase business card (have had it for years) so I applied for the Ink Business Preferred online.

    I’d have no issue if they said “Sorry but your business doesn’t produce enough income”. Instead I get a letter that had to be a form letter since it certainly didn’t seem to include information in my application.

    I have a single member LLC so do you think I will be able to provide an utility statement for my place of business? The business is in my home. The requests were stupid.

    I called up and got transferred to some lady who clearly didn’t understand anything and started echoing the letter so I cut her off and asked for someone in charge.

    Fortunately I explained to this guy my situation, told him the letter was stupid and I had no issues if Chase wanted to decline the application, but if so, at least do it for a useful reason. After 5 minutes I was approved.

    Why fill out an application if the information is not used in consideration of the approval process? Do these companies hire cheap clueless labor just in hope that a customer will tire of calling and just give up?

    My Amex experience a few weeks ago led me to cancel some of their cards so bad experiences have consequences but too many public corporations have nothing but short term interests in mind (largely due to how bonuses are paid). The best avenue is to publicly shame them on social media.

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