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Is there any advantage to the 25K Chase card vs the other offers from UA for less miles?
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I read the post from 18 Nov but still want to know if there is anything other than the $250 initial spend that is a "dpwnside" to the card compared to other UA cards.
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First USA is now part of Chase so it's the same company and card.
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First USA is now part of Chase so it's the same company and card.
It would seem that if all one needs to do is find the correct link for the 25K bonus online, rather than for example signing up for 17K bonus on the back of their BP, those that do not get the max miles are penalized just because they trusted the 17K offer.
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First USA was taken over by Bank One who was then taken over by Chase.
It issues almost all Chase visa cards.
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It would seem that if all one needs to do is find the correct link for the 25K bonus online, rather than for example signing up for 17K bonus on the back of their BP, those that do not get the max miles are penalized just because they trusted the 17K offer.
To say they're "penalized" is a bit harsh. Like anything, you have to shop around for the best deal. Just as a gallon of milk can cost different amounts depending on the store, location, brand, etc. so too can credit card deals. You have to shop around before you apply.
Chase (i.e. First USA, Bank One) isn't violating anyone's "trust" they're just making different offers through different marketing channels.
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To say they're "penalized" is a bit harsh. Like anything, you have to shop around for the best deal. Just as a gallon of milk can cost different amounts depending on the store, location, brand, etc. so too can credit card deals. You have to shop around before you apply.
Chase (i.e. First USA, Bank One) isn't violating anyone's "trust" they're just making different offers through different marketing channels.
...it just seems cheap on their part
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...it just seems cheap on their part
Then all card issuers will be "cheap" as every one, Citi, Chase, BofA, AMEX, WAMU, and countless (almost seem countless) issuers have multiple offers for essentially the same type of cards. Each offer is marketed via different channels and "targeted" different clients they go after - it just so happened that savvy consumers shop around to find the best deal at the moment.
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...it just so happened that savvy consumers shop around to find the best deal at the moment.And then they apply for another card every three months or so... :D
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First USA was taken over by Bank One who was then taken over by Chase.
The funny thing is I got the United card when it was First Bank which was taken over by First USA then by Bank One then Chase. Who's next?
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The funny thing is I got the United card when it was First Bank which was taken over by First USA then by Bank One then Chase. Who's next?
LOL. Do you remember how many bonus miles you got from First Bank?
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I don't remember, but it was probably something like 5k. :-(
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The funny thing is I got the United card when it was First Bank which was taken over by First USA then by Bank One then Chase. Who's next?
There will not be next, as Citi, Chase, BankofAmerica are the top 3 banks and card issuers in the U.S. HSBC is big internationally, but within U.S. is behind the top 3. Nobody is big enough to swallow the other, and none of them seem to be eager to merger. Citi probably is still the largest consumer card issuer. BankofAmerica grew exponentially after it bought MBNA.
Edit: Creditcards.com said BofA is the largest, Chase second, and Citi now is the third largest.
http://creditcards.com/Bank-of-America-Becomes-the-Nations-Largest-Issuer.php
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In that case, let the deconsolidation begin! I'm waiting for Chase to spin-off a new bank so my card can change yet again. :D
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There will not be next, as Citi, Chase, BankofAmerica are the top 3 banks and card issuers in the U.S. HSBC is big internationally, but within U.S. is behind the top 3. Nobody is big enough to swallow the other, and none of them seem to be eager to merger. Citi probably is still the largest consumer card issuer. BankofAmerica grew exponentially after it bought MBNA.
Edit: Creditcards.com said BofA is the largest, Chase second, and Citi now is the third largest.
http://creditcards.com/Bank-of-America-Becomes-the-Nations-Largest-Issuer.php
MBNA was the largest consumer card issuer, so after the merger BoA became No.1
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to find out if I would get the 5000 EQM as in SOME of the ads (but not the 25K elite ad I linked through). They said that all UA Chase CCs will offer that, even if it is not printed in the ad. Is this consistent with your experiences?
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The bad news of this, banks merging together, is there will be less reward/program since the competition is cooling down.
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The bad news of this, banks merging together, is there will be less reward/program since the competition is cooling down.
Actually as ironically as it sounds, the competitions become more intensified AFTER BofA bought MBNA - the credit card market in U.S. is a saturated market - everyone owns at least 2 to 3 cards, that is not counting the reward chasers - how to differentiate your card is the card everyone wants to own? The current hot area is the acquisition of new customers, hence the sign up bonuses. Though we do see the reward programs, in the cash rebate arena, have some devaluation led by Citi. So far Chase has not followed suit to devaluate its own cash rebate program and AMEX is upping its. It remains to be seen how many Citi Dividend cardholders will stop using their cards and then Citi will rethink its strategy.
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MBNA was the largest consumer card issuer, so after the merger BoA became No.1
yes, but try CALLING BofA... Their service is horrid. Read my recent post from hell.
:)MM
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...it just seems cheap on their part
...There are terrrific benefits to savvy churners in regards to their being multiple different offers for the same card...