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:confused: :confused: :confused:
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Wow! This was weired. Lucky you. Why dont these types of misunderstandings happen to me :mad:
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Wonder how long it will be before THEY realize the mistake?
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:confused: :confused: :confused:
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Every six weeks? Good god man, that's hardcore. I just got my second in 8 months. Once I get a real job I'll have to increase my card turnover rate and go for 3 or 4 in a year then be done with it.
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do they ever catch on?
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:confused: :confused: :confused:
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Apparently the answer is either "no" or the only people who notice don't care. I fully expect them to kick me to the curb at some point, it just hasn't happened yet, even after 15+ iterations!
Right now its a bit like crack in that I find it very hard to stop. I'm sure most of us started off by saying I'll just do it this once...
Has it had a deleterious effect on your credit score?
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:confused: :confused: :confused:
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Has it had a deleterious effect on your credit score?
Oh but I bet it's having a delirious effect on his MP balance :D
DD
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I'm not so certain that I would advertise your good fortune on this web site so that UAL can fix what ever error occurred.
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:confused: :confused: :confused:
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:) :eek: :eek:
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:) :) :)
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every six weeks?? yikes...I'm guessing you aren't concerned what is happening to your credit rating!!
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I wouldn't be too concerned about the six week waiitng period any more. Now that the procedure has been outlined on Flyertalk, it will only be a matter of time before the bank addresses the issue. This reminds of the ChartOne gift card system that everyone advertised on Flyertalk and Fatwallet. It was only a matter of months before Charterone pulled the plug.
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I wouldn't be too concerned about the six week waiitng period any more. Now that the procedure has been outlined on Flyertalk, it will only be a matter of time before the bank addresses the issue. This reminds of the ChartOne gift card system that everyone advertised on Flyertalk and Fatwallet. It was only a matter of months before Charterone pulled the plug.
I'm not sure that Chase is really on top of things at all, especially not enough to look that deep in to FlyerTalk. I do my regular finances through Chase; it's a miracle to me that they are as large as they are in the first place! I cancelled a card with them 8 months ago, and have since verified it cancelled. However, I've also tried to get them to take the account off of my online banking portal 12+ times...still hasn't been done.
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every six weeks?? yikes...I'm guessing you aren't concerned what is happening to your credit rating!!
When I applied the UA card thru the invitation, it took over a month to get my card, eventhough the application was on a website where it asked for the invitation code.
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Isn't there a six month waiting period to cancel each card?
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:confused: :confused: :confused:
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:confused:
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Dudemon-- do you cancel each card within six weeks and then apply for another so that you only have one United card at a time? Also why not just go through the link that has no annual fee for the first year on all these cards? Thanks so much for your help. Also thank you Happy for mentioning the T's and C's six month clause--that's what I was referring to--glad that it's not enforced.
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:) :) :)
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I guess it does not matter, especially with the SAME issuer. If they have a credit report on file that is within valid period, they dont pull a new one, thus it would not even have an enquiry on your credit file. I believe that is how Chase does it.
This is true that they do not pull additional reports if they have a valid one on file. However, part of the calculation on your credit score is the average time accounts have been kept open. In other words, your 10+ years account will look much worse with five one-month accounts opened and closed.
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I already have a United Visa. I am thinking about applying for another visa with no annual fee. Do I need to cancel my existing visa card to receive the bonus on the new card?
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gita, I believe you would not only have to have cancelled your current card but you would have had to do so at least 6 months prior to applying for the new one. There appears to be this waiting period before you can again receive miles with a new application for a card.
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:) :) :)
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:confused: :confused: :confused:
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every six weeks?? yikes...I'm guessing you aren't concerned what is happening to your credit rating!!
If he's getting approved for a new card every 6 weeks from the same company, his credit rating is just fine.
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Often you can get short-term cards removed from your credit report just by contacting the score people and saying that the card was issued in error. It worked for me
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every six weeks?? yikes...I'm guessing you aren't concerned what is happening to your credit rating!!
If you look at the small print in the T&C, at the very end they've added a line something like "if you don't keep your Visa card open for at least 6 months, United and Chase reserve the right to take back the bonus miles." That's paraphrasing, but I'm guessing it's to prevent people churning credit cards for miles -- or at least keep them to a 6 month churning cycle.
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If you look at the small print in the T&C, at the very end they've added a line something like "if you don't keep your Visa card open for at least 6 months, United and Chase reserve the right to take back the bonus miles." That's paraphrasing, but I'm guessing it's to prevent people churning credit cards for miles -- or at least keep them to a 6 month churning cycle.
I think this much is understood...but I think one of the points of this thread is that, while they DO state what you've pointed out in the T&C, they aren't following through with it.
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May I ask whom did you actually contact and what phone number?
Often you can get short-term cards removed from your credit report just by contacting the score people and saying that the card was issued in error. It worked for me
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For everyone that churns Chase cards (whether every 6 weeks or 6 months), are you able to keep your same online login ID when you get a new card, or do you need to create a new login with each new card?
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For everyone that churns Chase cards (whether every 6 weeks or 6 months), are you able to keep your same online login ID when you get a new card, or do you need to create a new login with each new card?
I've been able to keep the same ID. The previous cards stick around on the account for awhile, even though they're closed (mostly so you can review past statements). Whenever a new card is issued, it just appears within the same account screen. Hope this helps :cool:
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Do you overlap valid cards or do you cancel the existing card and apply for a new one straight away? How did you pick 6 weeks? And do you count the weeks from the date of application?
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Do you really need to cancel prior card? Just ask for a new(additional) one?
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hello.. im thinking about joining UA visa card
20K mileage free, $60 annual fee waived and all other goodies...
i was reading previous posts and came across a lot of canceling after 6 weeks of issue...
so can i jus apply and use it for 2 months and reapply again with the same name to get another 20K?
and do it over and over?
dang, thats krazie.. ahahahahahah.. i hope thats the case...
please let me know.. i want to sign up asap...
thx.. :)
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:confused: :confused: :confused:
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:) :) :)
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thx.. i c... man, i guess i'll just use this account for 11 months and 30 days and cancel it.... ahahaha... cause i dont want to ruin my credit scores and stuff.... i guess by using it for at least 11 months, it'll at least show that im not trying to abuse the 20k free mileage deal... hahahaahah... my goal is to go to Japan for free... so far i saved up around 17k mileage (i earned it by flying to Japan last summer).. so i guess i need 43k more to meet the UA saver award.... hahaah, i hope this really works... sweet~!!! :) pls tell me ur experience.. thx
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What they did was add it to your account, so when you login you see all your cards. I have 2 personal cards and also willing ot pay the $60 for platinum business or business united cards.
I told them over the phone I want it, gave them fake BUsiness ID and they still accepted it. Business cards are under a diff login/pass then personal
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deleted
Yes. It was due to BankOne/Chase merge...
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I've been able to keep the same ID. The previous cards stick around on the account for awhile, even though they're closed (mostly so you can review past statements). Whenever a new card is issued, it just appears within the same account screen. Hope this helps :cool:
I had the user id issue before - cannot use old userid to log in and finally have to set up a new userid - Chase tech support said current system treats a userid permanent and cannot be recycled, so if one does not work any more you have to choose another userid.
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There is one very annoying thing is, no matter how I personalize my account summary page, the hide cards will show up again on the next time I log on. Extremely annoying when you have quite a number of cards ...
The "hide cards" feature is a cookie saved to your PC. If you have cookies disabled, or flush your cookies when you close your browser, this is the culprit. I noticed this becuase, on my PC it hides the accounts, but on another computer it does not.
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jus got my visa card... bought 10 dollars worth of food for my first purchase... haahahah, im waiting to get my 20k soon... i also got a letter saying that i need to have my account open for 6 month in order to keep all my mileage... hmmm, any comments?? thanx
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jus got my visa card... bought 10 dollars worth of food for my first purchase... haahahah, im waiting to get my 20k soon... i also got a letter saying that i need to have my account open for 6 month in order to keep all my mileage... hmmm, any comments?? thanx
I think if they figure it out they will pull them so use them quick.
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Why not just leave the card dormant for 6 months after first use and then cancel? That way you do not risk them wanting the miles back.
You can have more than one UA card at a time.
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:confused: :confused: :confused:
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can anyone hook me up with a nice deal? im lookin for the United Business Visa WITH no annual fee.... im sure one of you guys know about it. 2 miles for every 1 dollar is very attractive... so yah, please let me know.. thx
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Did you notice that even when you cancel one card and receive a new one: on Chase.com both cards keep showing up?
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It seems that you are able to log in with same id and they keep showing all your cards.
For everyone that churns Chase cards (whether every 6 weeks or 6 months), are you able to keep your same online login ID when you get a new card, or do you need to create a new login with each new card?
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that is what a Chase CSR told me. If you dont like to see the old card, you can manually delete it. Once you delete them, you cannot add them back in.
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I'd like to clarify, are you getting 20k ever six weeks? If so, is it my understanding you apply for the card which requires the annual fee, but when you get your first bill you cancel? And the fee is removed? Thanks! Sounds like this is the way to go.
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Do you have to apply under the link with the annual fee? Would it work instead to apply under the no annual fee link every six months or so?
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:) :) :)
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Dudemon, thanks for sharing. I have a question regarding your strategy -- how big of a change is there in one's credit report/FICO score if one opens a new credit card account every 6 weeks for the 20K miles?
Thanks.
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Dudemon, thanks for sharing. I have a question regarding your strategy -- how big of a change is there in one's credit report/FICO score if one opens a new credit card account every 6 weeks for the 20K miles?
Thanks.
If you have bad credit, it could lower it quite a bit. If you have good credit, an inquiry every 6 months (or even a lot more often) won't do a thing.
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:) :) :)
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Dudemon, where have you found opportunity besides Chase? Thanks
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From looking at my credit score, it appears the churning cards costs about 25points or so on your credit score. If your score is marginal or just good, then the 20 points probably does have an impact. If your score is excellent (over about 730 or so) then the lowering of your credit score will not have too big an impact. Of course the higher score you have, the more you can afford the 25 point or so drop in your credit score. Mine, even with the churning is about 780. It had been about 805 before I started churning the cards. I have about 8 or so applications showing on my report. If I recall correctly, this was over a 2 year period.
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From looking at my credit score, it appears the churning cards costs about 25points or so on your credit score. If your score is marginal or just good, then the 20 points probably does have an impact. If your score is excellent (over about 730 or so) then the lowering of your credit score will not have too big an impact. Of course the higher score you have, the more you can afford the 25 point or so drop in your credit score. Mine, even with the churning is about 780. It had been about 805 before I started churning the cards. I have about 8 or so applications showing on my report. If I recall correctly, this was over a 2 year period.
Thanks to Dudemon, deant and johnep1 for the info. Just wanted to be sure I wouldn't jeopardize my excellent credit through churning.
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They'll pop off around the 2nd year, if you are consistent with timing like every 3 or 4 months you can try to get the CB's to remove them as a soft hit instead of a hard pull...
Good Luck
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Did anyone get instant approval, or do they tell everyone that they will receive notice within 30 days?
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:) :) :)
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jus got my visa card... bought 10 dollars worth of food for my first purchase... haahahah, im waiting to get my 20k soon... i also got a letter saying that i need to have my account open for 6 month in order to keep all my mileage... hmmm, any comments?? thanx
Did anyone here get their UA Visa card really fast? I put in an online application for the link provided here on 1/27, and the card was in my mailbox on 2/6. To me, that seems extremely fast, and I didn't see anything about Bonus miles in the envelope. I guess I'll just use it to find out.
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Dudemon, where have you found opportunity besides Chase? Thanks
Ned:
Here's another thread listing all the free credit card opportunities for UA, AA, and Delta, and Starwood:
http://flyertalk.com/forum/showthread.php?p=5232873#post5232873
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What is your "scripted" reason for cancelling?
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my experience with chase personal cards is that i always have to wait for a few weeks to get the card, biz cards are much faster (week or so)
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What is your "scripted" reason for cancelling?
In my case, with Citi, I just call the number at the back of my fee-free Citi Dividend (5% cash back on gas/groceries/pharmacy) or Citi Premier Pass (effectively 2% cash back on airfare) and say I want to combine my AA card into it. They just tack on the credit limit from the AA card. Nice.
I'll try it with Chase UA in a month or two (I also have a Chase Cash Plus Rewards, also with 5% cash back).
Anyone has a better way?
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Is it possible to have more than one Citi AAdvantage cards and/or "churn" Citi cards?
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:) :) :)
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In my case, with Citi, I just call the number at the back of my fee-free Citi Dividend (5% cash back on gas/groceries/pharmacy) or Citi Premier Pass (effectively 2% cash back on airfare) and say I want to combine my AA card into it. They just tack on the credit limit from the AA card. Nice.
I'll try it with Chase UA in a month or two (I also have a Chase Cash Plus Rewards, also with 5% cash back).
Anyone has a better way?
Yeah, those cash rebate cards are great.
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I do the same thing as you with Citi, by far the easiest and painless (no need to listen to lots of sales talk before they let you cancel).
With Chase I just tell them I want to concentrate my spending on the hotel cards which I always have one or two with Chase and they usually have no more question. I do not want them to tack my credit limit from UA to other Chase cards as I want to keep the total of credit limit LOWER than I can get so I can always have room to take on new offers. (Unlike Citi, Chase tend to dole out credit limit on various cards at astonishingly large amount versus Citi seems to have a set total based on whatever info they have on you.)
So is the reason for cancelling instead of consolodating cards to keep your credit limit low? I know with Chase you can keep applying even if you already have accounts with them? Can you do this with Citi or do you have to cancel out the ones that you already have?
Cheers... :-: :-:
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I already have a UA MP Visa that I use for day-to-day purchases and EQM's on united.com. I would like to apply for a second card and start churning for miles. Is there any reason this wouldn't work?
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So is the reason for cancelling instead of consolodating cards to keep your credit limit low? I know with Chase you can keep applying even if you already have accounts with them? Can you do this with Citi or do you have to cancel out the ones that you already have?
Cheers... :-: :-:
I saw a post a few months ago that mentioned a hard limit of 4 Citi cards to one name at any one time. Not sure if Diner's Club is included.
I have had 3 Chase (UA, CO, and Cash Plus Rewards) and 3 Citi (AA, Premier Pass, Diner's Club) cards at the same time with no problem.
I have yet to get a new card with a limit that was lower than a previous one, with the same bank. So for me combining credit limits has worked out so far. I have also done it with Amex, combining a Delta into an SPG, although it's not as straight-forward with them for some reason.
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Often you can get short-term cards removed from your credit report just by contacting the score people and saying that the card was issued in error. It worked for me
I was wondering if you guys can give me the phone number or website where i can call the 'score people' to cancel my short term UA mileage card.... I just got my UA credit card about 2 months ago and i want to cancel it permanently with the 'score people' and then reapply again.. so that i wont get screwed with credit score..... thanks.. please respond wit ur experience...
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I have a quick question, when you call to get them (any bank) to waive the annual fee on your card, should you call before the annual fee posts to your account, or after (to have them remove it). Or does it not matter?
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At what point to you reapply? I understand you apply, get the card, buy gas, pay online, then once billed, you cancel. But at what time to you reapply? Do you reapply online as soon as you cancel the cards. Thanks. This is great information.
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Dudemon, thanks for sharing. I have a question regarding your strategy -- how big of a change is there in one's credit report/FICO score if one opens a new credit card account every 6 weeks for the 20K miles?
Thanks.
You might check out http://www.myfico.com/ for some general info on credit scoring.
For credit bureaus: Two of the largest ones are:
http://www.equifax.com/
http://www.experian.com/
http://www.transunion.com/index.jsp
The FTC has some detail here: http://ftc.gov/bcp/conline/edcams/freereports/index.html on how you can get your free annual credit report here: http://www.annualcreditreport.com/
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When you call to cancel your credit card, what do you tell the rep? I'm sure he/she knows that we are just abusing the system to get free mileage pts.... Don't they ask you any questions about mileage during cancellation? hahaah, just curiuos.. let me know.. its my 3rd month with this card now.. i think its time.. ahhahaha
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I cancel the card as soon as the miles post, usually this is when the first bill arrives.
Dudemon: At what point do you reapply? For myself, I received the card, I received the miles, and I've canceled the card. But how long should I wait to reapply? Thanks.
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Dudemon: At what point do you reapply? For myself, I received the card, I received the miles, and I've canceled the card. But how long should I wait to reapply? Thanks.
it is generally believed that you can apply in every three month.
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When you call to cancel your credit card, what do you tell the rep? I'm sure he/she knows that we are just abusing the system to get free mileage pts.... Don't they ask you any questions about mileage during cancellation? hahaah, just curiuos.. let me know.. its my 3rd month with this card now.. i think its time.. ahhahaha
I wouldn't mention anything about "abusing the system" to the CSR. As the T&C clearly state, they are more than welcome to retrieving their miles from your account if you cancel within the first 6 months.
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A thread on the United board indicates that a CSR threatened to retract bonus miles when the poster tried to cancel the card after about four months. Was this just an aggressive retention CSR? Has anybody else run into this? Earlier this year I cancelled a card in well less than six months with no problem.
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6 months is the min you have to keep the card now.
Chase updated their T&C's.
At least they still let you churn their cards...just not as frequently.
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6 months is the min you have to keep the card now.
Chase updated their T&C's.
At least they still let you churn their cards...just not as frequently.
The six months has not previously been enforced. Do we know it is being enforced now?
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The six months has not previously been enforced. Do we know it is being enforced now?
Last week I called to close one of my two accounts (it was open for five months) and was told that the bonus miles would be revoked from my account, and if the miles were no longer in my account, I would be charged for them. I don't know if all of this would actually occur or not, but I opted to wait another month before cancelling.
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They can't revoke miles that have already been redeemed though...
Are they offering any retention bonuses if when you cll to cancel after 6 months?
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6 months is the min you have to keep the card now.
Chase updated their T&C's.
At least they still let you churn their cards...just not as frequently.
I admit I am not up to date on all acronyms, what is T&C? And, has anyone had their mileage taken back after canceling their card in less than 6 months? I read on this board that you now have to wait 6 months, but how do you know, where does that information come from?
I canceled my card recently, and was told my mileage would be taken back. I said, "okay," not really believing them, and considered it an experiment to see if they would or not. Of course, I could be wrong, but my mileage has not yet been removed, yet.
I wonder if they really can. After all, United and Chase are two seperate businesses. One may be able to make a deposit into our Mileage Plus accounts, but they may not be able to take it out. Isn't it the same as if I had someone's checking account number, I could depost money into their bank account, but I can not make a withdrawal.
I don't know, those are just my thoughts. But what is T&C? Thanks.
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what is T&C?
Terms and Conditions. a.k.a the fine print.
I had noticed the 6 months thing when I applied so I waited the required time period before closing my card last week (by simply transfering the credit limit to another Chase card). I opened a new UA card the next day.
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I admit I am not up to date on all acronyms, what is T&C? And, has anyone had their mileage taken back after canceling their card in less than 6 months? I read on this board that you now have to wait 6 months, but how do you know, where does that information come from?
I canceled my card recently, and was told my mileage would be taken back. I said, "okay," not really believing them, and considered it an experiment to see if they would or not. Of course, I could be wrong, but my mileage has not yet been removed, yet.
I wonder if they really can. After all, United and Chase are two seperate businesses. One may be able to make a deposit into our Mileage Plus accounts, but they may not be able to take it out. Isn't it the same as if I had someone's checking account number, I could depost money into their bank account, but I can not make a withdrawal.
I don't know, those are just my thoughts. But what is T&C? Thanks.
Terms and Conditions. I am glad you made the experiment please keep us posted. I think they can take the points back unfortunately. Even if they do not take your points back I think since they are now saying they will they may enforce the terms in the future. For me I think it is now six months.
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Terms and Conditions. I am glad you made the experiment please keep us posted. I think they can take the points back unfortunately. Even if they do not take your points back I think since they are now saying they will they may enforce the terms in the future. For me I think it is now six months.
Thanks for the clarification on what T&C stood for. I thought it was something like that. It's been about two weeks since I canceled my card and my mileage has not yet been removed. If it were to be revoked, I wonder how long it would take to do so? By the way, I did the same thing with the American Airlines citibank card.
By canceling my cards, so that I could reapply, and get more miles, I didn't really indend for it to be an experiment to see if they would really revoke my mileage. Those miles are indeed valuable, I just didn't think they would actually remove the miles, so I canceled the cards with condidence they couldn't take them back. But now, with so many recent postings about the 6 month waiting period, I now wonder if I shouldn't have been so confident. Therefore, now that it's too late, I'll just have to chalk it up to an experiment and see what happens.
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Just for clarification: how long does it take them to pull additional miles.
When this happened with a different promo, Chase even denied that they did it. We were only certain because we had the print outs from earlier.
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It sounds scary that they can revoke initial sign-up bonus miles. Other regular miles, of course, they can withdraw at any time: say you purchased $ 1,000 laptop and received 1,000 for that and returned the laptop next month. You will see the debit of 1,000 miles from your UA mileage account at the next billing cycle.
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It sounds scary that they can revoke initial sign-up bonus miles.
They won't do it if you follow their fine-print. Just keep the card open 6 months.
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:confused: :confused: :confused:
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Ok, I have a few questions about all of this.
First do you have to cancel your old card to get the points off a new one? or can you just keep getting multiple cards and keep getting the 20k points?
also, if I do cancel the card I have now, how long should I wait until i open up a new card?
And finally, does this work with the 5k referral bonus? Like if I have my sister sign up for the 20k no first year fee card, can she give them my M+ number and I'd get 5k?
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This isn't at all how it works. If you return the laptop you will maintain a mileage debit on the cc until it is caught up. In other words, no new miles will post to your UA account until the cc is "possitive" again. Pulling miles from UA accounts is very, very rare. I bet there is only a handful of us on all these boards that have experienced it.
Are you sure? I don't have any experience with the UA card, but with the CO card (also Chase), during a month with a $5 return and no new purchases, Chase did subtract 5 CO miles.
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Man I've been slacking... been holding onto my UA card for awhile now.
Just cancelled it this week and reapplied for hopefully another 20K miles.
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This isn't at all how it works. If you return the laptop you will maintain a mileage debit on the cc until it is caught up. In other words, no new miles will post to your UA account until the cc is "possitive" again. Pulling miles from UA accounts is very, very rare. I bet there is only a handful of us on all these boards that have experienced it.
Not true. I can back it up by my personal experience.
I had a negative balance on my MP Visa due to return/refund years ago. Wasn't using too much of the card then. My Mileage Plus account was debited for that negative balance for that particular month. You return something, your miles are taken away.
This is what it says under the "Pricing and Terms" in the application:
"Mileage Plus miles awarded through pruchases with the United Mileage Plus Visa card will be adjusted or withdrawn for returned purchase credits and for non-payment of Untied Mileage Plus Visa Card balances."
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For those who are churning MP Visa for short intervals, you might want to have second thought now. There's a recent thread on Cancelling cards after receiving miles (flyertalk.com/forum/showthread.php?t=543071). People are reporting bonus miles being taking back.
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A friend at work informed me that he applied recently applied for the United Chase credit card to take advantage of receiving the bonus miles, and having a card he can accumulate mileage. Apparently, he made the mistake of choosing the card which charges the annual fee up front, vs. 12 months free, and already paid the fee along with the charges on his card. Although it may not make a difference since he wishes to keep the card, but I was wondering if he could call Chase and have the fee waived, and since he already paid, get his fee back, or switch to a card which has no annual fee. From my perspective, I'd hate to pay for something now that I could have postponed for 12 months. In fact, after 12 months, he could simply cancel the card and apply for a new one, and never pay the annual fee. Anyhow, does anyone know if Chase can refund the annual fee he paid? Sounds doubtful, but I was curious. Thanks.
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I don't see why your friend shouldn't try. I accidentally applied for the 17.5K UA card instead of the 20K UA card. I called up Chase, explained the error and they promised to credit an additional 2.5K miles after my first purchase.
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Ethics, anyone? All anybody here is talking about is how to scam the airlines and the credit card companies. It's pretty disgusting. Unless you encourage your own customers to cheat you -- how can you condone cheating anybody else?
Also, in case you think it's no big deal as long as you don't get caught or made to give back your (stolen) bonus miles: You know you're cheating. Unless you're conscience-free...how do you live with it, knowing you're a two-bit scam artist?...not only knowing, but bragging about it. Creepy!
I have the United business Visa card through Chase. I earn my miles the old fashioned way -- by paying for everything I can with a credit card. I don't have a problem with asking a credit card company to cut back on their fee -- that's their choice.
Incidentally, I'm an atheist. This means I don't believe in god; it doesn't mean I'm without an ethical framework (contrary to popular nonthink about atheism). Since a disproportionate amount of people in the world are "believers," I'm assuming many or most of you are. What does that say about how religion promotes ethical behavior? Maybe you're expecting those frequent flyer miles you're scamming to get you to that not-proven-to-exist place called "heaven."
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. . .
Welcome to FlyerTalk!
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Welcome to FlyerTalk!
Thanks. Not too surprised that nobody responded to my post. Anyway, I'd be interested in finding out <i>ethical</i> ways to increase my mileage earnings -- if anybody has any suggestions.
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Thanks. Not too surprised that nobody responded to my post. Anyway, I'd be interested in finding out <i>ethical</i> ways to increase my mileage earnings -- if anybody has any suggestions.
we probably shouldn't take this thread this far off topic, and lets giving you the benefit of the doubt in terms of trolling,
But, if you really want to be ethical....why don't you sell your car and house and most of your posessions. Then use your UA visa to buy a ticket on UA.com (double miles) to dubai. From Dubai you can figure out how to get to Iraq. In Iraq you can start helping reconstruct people's lives that our great country has very unethically shattered and destroyed. Make sure you use your credit card as much as possible there for the food, water etc. that you will be buying in order to maximize your ethical miles. You should also think about the Juniper US Airways card. They will give you 1.5 ethical miles for every dollar spent. A much better deal than with Chase.
DOesn't this sounds a lot better than taking unethical miles from Chase bank (who I am sure act 100% ethically).
Please feel free to pm me for more ideas on how you can earn miles ethically.
Can we please keep the rest of this thread on topic.....
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I just had my annual fee post a month earlier than I thought it would. I was going to cancel it before than. Will Chase credit this $60 fee when I call to cancel? I've heard not to cancel a card with a balance so I plan to pay the balance before I cancel the card.
Also, I just charged a ticket on UA.com, will I lose out on the EQM's if I cancel now?
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Will Chase credit this $60 fee when I call to cancel?
You can refuse the annual fee if you cancel within 30 days of the statement where it was applied.
Don't know Chase's policies about crediting remaining miles/EQM after the account is closed.
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Last time when I closed my account before the miles were post. I did not get the miles and the customer services told me because I closed my account (credit card). So, you may want to wait to see the miles post to your account before cancel your card.
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For the first 1.5 years I was able to keep the same username but for some reason about 4 months ago I wasn't able to log in with it. I did set up a new username but after the next churn I ran into the same problem. This last time it worked fine but I have no idea what was up with it. I've been a hard core UA churner for 2+ years now but I don't know if that makes any difference.
When I created the new account logins I was able to see all my old credit cards same as before. Anyone else have this problem?
This may not be the same issue, but I had 1st USA for the issuer of my MP Visa, and when Chase took over a couple months ago, I had to relogin and create a new account.
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Hi, new to flyer talk. Is this possible with other airlines? Also which airlines offer the most bonus miles with credit cards?
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Hi, new to flyer talk. Is this possible with other airlines? Also which airlines offer the most bonus miles with credit cards?
American Airlines via Citibank
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In Iraq you can start helping reconstruct people's lives that our great country has very unethically shattered and destroyed
Thanks for this. Assuming all of your posts are as wrong as this one, it'll save me time by ignoring them in the future.
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A friend at work informed me that he applied recently applied for the United Chase credit card to take advantage of receiving the bonus miles, and having a card he can accumulate mileage. Apparently, he made the mistake of choosing the card which charges the annual fee up front, vs. 12 months free, and already paid the fee along with the charges on his card. Although it may not make a difference since he wishes to keep the card, but I was wondering if he could call Chase and have the fee waived, and since he already paid, get his fee back, or switch to a card which has no annual fee. From my perspective, I'd hate to pay for something now that I could have postponed for 12 months. In fact, after 12 months, he could simply cancel the card and apply for a new one, and never pay the annual fee. Anyhow, does anyone know if Chase can refund the annual fee he paid? Sounds doubtful, but I was curious. Thanks.
I just learned that my friend finally contacted Chase about requesting his $60 fee that he mistakenly paid. To my surprise, they stated they will credit his account. Previously, I thought the best he could hope for is a prorated refund, if that, but I am told he is to get a full credit. It's been well over 60 days since he finally got around to getting this done. I am very surprised, but happy for how it turned out.
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every six weeks?? yikes...I'm guessing you aren't concerned what is happening to your credit rating!!
He answered this already ... his credit rating is fine. I believe, when somebody has a good or excellent rating, credit cards don't matter a lot.
BTW, there are three credit rating companies ... with different scales.
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Originally Posted by srfrgirl4
every six weeks?? yikes...I'm guessing you aren't concerned what is happening to your credit rating!!
He answered this already ... his credit rating is fine. I believe, when somebody has a good or excellent rating, credit cards don't matter a lot.
BTW, there are three credit rating companies ... with different scales.
I opened 4+ cards in 2006. Today I got my new score for $5.95 from Experian:
Credit Category = Super Prime .... higher than 99.10% of US consumers..
That was the new VantageScore ... developed jointly by the three credit bureaus.... so, no more different scales.
Bottom line: The fear regarding falling credit ratings due to many credit cards is a myth...I believe, when somebody has a good or excellent rating, credit cards don't matter a lot. Now we have the proof!
Get a free credit report and pay a little for the credit score... you can do this 3 times a year (=3 credit comp. ;) ):
https://www.annualcreditreport.com/cra/index.jsp
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One time I applied for UAL credit card and only recieved 15K instead of 20K as promised. The person on the phone said, no problem if you want to cancel I will waive the annual fee and you can re-apply and get 20K. I did and it worked. I got the original 15K and re-applied 1 week later and got 20K. I now have no problem canceling since the credit card agent told me how to do it.
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:confused: :confused: :confused:
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One time I applied for UAL credit card and only recieved 15K instead of 20K as promised. The person on the phone said, no problem if you want to cancel I will waive the annual fee and you can re-apply and get 20K. I did and it worked. I got the original 15K and re-applied 1 week later and got 20K. I now have no problem canceling since the credit card agent told me how to do it.
so tell Us,please
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Incidentally, I'm an atheist. This means I don't believe in god; it doesn't mean I'm without an ethical framework (contrary to popular nonthink about atheism). Since a disproportionate amount of people in the world are "believers," I'm assuming many or most of you are. What does that say about how religion promotes ethical behavior? Maybe you're expecting those frequent flyer miles you're scamming to get you to that not-proven-to-exist place called "heaven."
Self-righteous much, sweetie? Geez. Way to make a point and then completely blow it by looking like an obsessive, self-important hate-monger.
How about going to that other not-proven-to-exist place? :rolleyes:
As for the point being made, she does have one, buried beneath all the rest of that. Honestly, these are intended as rewards programs. If someone is giving you something that you've never received before for free, do you scam them out of their generosity? Given, a whole lot more than generosity is behind these miles, but still...
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If someone is giving you something that you've never received before for free, do you scam them out of their generosity? Given, a whole lot more than generosity is behind these miles, but still...
My feeling on this is that it would be trivially easy for them to ensure that a particular name/SSN only receives the bonus once, or once a year, or once per any amount of time. The fact that they don't suggests that the card issuer is getting some kind of benefit out of these churns, be it revenue from fees, revenue from balance transfers, revenue from a marginal increase in spending (vs what people would spend in the absence of these offers), brand visibility ("top of the wallet"), marketing (the opportunity to send more offers for other products and services), or just high customer-acquisition numbers.
I don't see an ethical gray area; seems as long as the offer remains valid, one is within one's rights to continue apply and the bank is similarly within its rights to impose limits or conditions on their approvals (e.g. Citi's 60-day rule, which Chase doesn't appear to have adopted).
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This needs a lock..
On the subject of "generosity", I don't think you can use that term to describe any financial institution. :P
If they don't want to enforce their T&C and take back the miles, it's not our fault.
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:confused: :confused: :confused:
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Not why I suggested a lock. It's an older thread, "resolved" and being revived without being added to. :P
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Good Grief!
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My apologies for taking the bait...although I still do believe there was a point in all of that.
In any case, when a generous offer is made--especially one that renews itself--who am I to refuse?
I'm glad I came across this thread!
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Any recent updates as to if Chase is still not taking back bonus miles for MP Visa accounts closed in under 6 months?
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Hasn't happened to me (been about 3 months). I think it depends how clued-in the retention CSR is. If they threaten to do it at the time you close the account, they probably will.
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Any recent updates as to if Chase is still not taking back bonus miles for MP Visa accounts closed in under 6 months?
I've only see one person report that their miles were revoked. I thought there might have been more postings about this if this was actually being done. I am starting to be skeptical that miles are revoked if accounts are closed in under 6 months. Then again, maybe no one is taking the risk of loosing 20,000 miles. Even so, I just don't think it's happening. Hope I am not wrong.
Also, more than one MP Visa acct can be opened. I guess it depends upon one's credit, but more than four cards can be obtained. I know someone who has 6 accounts, they're just trying to accumulate miles for a first class trip abroad.
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Ethics, anyone? All anybody here is talking about is how to scam the airlines and the credit card companies. It's pretty disgusting. Unless you encourage your own customers to cheat you -- how can you condone cheating anybody else?
Also, in case you think it's no big deal as long as you don't get caught or made to give back your (stolen) bonus miles: You know you're cheating. Unless you're conscience-free...how do you live with it, knowing you're a two-bit scam artist?...not only knowing, but bragging about it. Creepy!
I have the United business Visa card through Chase. I earn my miles the old fashioned way -- by paying for everything I can with a credit card. I don't have a problem with asking a credit card company to cut back on their fee -- that's their choice.
And good for you! I can't speak for Chase, but with Citibank I asked them if I had to keep the card to get to keep the miles (answer was no) and when I cancelled I said it was because I only wanted the miles and I would apply for another card (answer was "no problem). I'm not cheating Citibank, but while you are on your soapbox, think about how the airlines might be cheating you by 1) not offering any award seats on flights 2) devaluating airline miles 3) changing the rules as they go along..... and if you are worried about the people cheating the banks, take a look at the fine print and see how much interest people will be paying if they are late or in default -- I've seen over 30% on cards from reputable companies.
Sorry, it's difficult for me to feel sorry for either the banks or the airlines just because people are working the system within its every-changing rules...
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I do not feel ANY guilt about churning cards. Credit cards are legalised loan-sharking for the people who can not pay the whole balance at th end of the billing cycle. Credit cards are a loan from a bank, but they can change the interest rate for the slightest reason. Watch the below link and you will see how they trap people.
http://www.pbs.org/wgbh/pages/frontline/shows/credit/
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No guilt here either. And I own stock in both Citi and BofA. They could have shut this down easy if it was unprofitable. We're noise (or marketing expense) in the big picture.
I do try to move business to Citi now though, when it makes sense (maybe unconscious guilt?). Churning their card showed me that they had consistently good service. I now carry a large balance (at 0%/12 months and 2%/for life, giving them the opportunity to get much money out of me, if I screw up). I also opened online checking and savings accounts and just got a Chairman card. They're slowly tearing me away from Wachovia and Amex SPG.
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:confused: :confused: :confused:
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No guilt here either. And I own stock in both Citi and BofA. They could have shut this down easy if it was unprofitable. We're noise (or marketing expense) in the big picture.
I do try to move business to Citi now though, when it makes sense (maybe unconscious guilt?). Churning their card showed me that they had consistently good service. I now carry a large balance (at 0%/12 months and 2%/for life, giving them the opportunity to get much money out of me, if I screw up). I also opened online checking and savings accounts and just got a Chairman card. They're slowly tearing me away from Wachovia and Amex SPG.
Likewise no guilt here either. I, too, became familiar with Citibank's excellent costumer service through signing up for their credit cards.
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Why does some troll always have to come along and turn so many of these discussions into an ethical argument? It always happens. Lets please just stick to the topic. There are other forums and some very interesting threads for discussions of an ethical nature.
So, don't get me wrong, I am not saying we shouldn't talk about this, but these discussions keep repeating in a whole bunch of threads and usually end up with personal attacks and moderators coming in and threating people unless they quiet down. So c'mon stick to the topic please. :)
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:confused: :confused: :confused: