Tag Archives: Chase Ultimate Rewards Points

More Info Regarding Chime Card Loads After October 8 and my App-O-Rama Planning

Chime Logo

More Info Regarding Chime Card Loads After October 8 and my App-O-Rama Planning

Literally a few minutes before writing this post, I received the following email from Chime regarding the previously announced changes to debit card loads (link). Starting October 8, you will be able to load up to $200 per day, with a minimum load amount of $25.  If you use a debit card from Chase, Wells Fargo, Bank of America, U.S. Bank, Comerica Bank, or USAA, your debit card loads will remain free.  If you use a different debit card (including the PayPal Business Debit Card), you will *most likely* get hit with a “fee of up to 3%” per load.  We still need to wait and see what Chime does regarding the PayPal Business Debit Card.  If you use a debit card from one of the previously mentioned banks, the October 8 change will benefit you.

Chime Debit Card Updated Terms

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Random News: CSP Poll Results, Back 2 School Blogger Report Card, Staples Free After Rebate Paper, Korean Kit Kat Bar, and New AMEX Offers for AMEX Hotels, Paperless Post, and Cole Haan

Cry CSP

Random News: CSP Poll Results, Back 2 School Blogger Report Card, Staples Free After Rebate Paper, Korean Kit Kat Bar, and New AMEX Offers for AMEX Hotels, Paperless Post, and Cole Haan

Good evening everyone, here are the poll results for “Is the Chase Sapphire Preferred worth the $95 annual fee?” (link).  Your votes have been tallied and it looks like 60% of you agree with me that the $95 annual fee is not worth it.  Looking at the comments, I agree that the Chase Ink Bold/Plus/Cash Business Credit Card is superior to the Chase Sapphire Preferred.

For the record, if you downgrade or convert your Chase Sapphire Preferred credit card, you will keep the same credit line, that will not change.

CSP Annual Fee Poll Results

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Don’t Close your Credit Card! Downgrade or Convert to these Credit Cards

Which Credit Card

Downgrade or Convert to these Credit Cards

This post is a combination of my recommendations and the recommendations from readers.  Thank you for contributing to this post.  The big question is, why should you downgrade or convert a credit card instead of closing it outright?

Pros of downgrading or converting a credit card:

  • Downgrading/converting your credit card lengthens the average age of your credit card accounts and improves your credit score (learn more about your credit score here).
  • Downgrading/converting your credit card keeps your credit utilization ratio lower, which is good for your credit score (see link above).
  • Downgrading/converting your credit card keeps your miles/points from expiring or being forfeited back to the credit card company.
  • Downgrading/converting your credit card results in no hard pull of your credit report.
  • Downgrading/converting your credit card is sometimes easier than outright applying.
  • Downgrading/converting your credit card makes it possible to get the same credit card multiple times (like 2 Chase Freedom or Bank of America Better Balance Reward cards).
  • Downgrading/converting your credit card may result in a sign up bonus on the new card (sometimes not, see cons below).

Cons of downgrading or converting a credit card:

  • Downgrading/converting your credit card may result in not get a sign up bonus for the new credit card.
  • Downgrading/converting your credit card may take a long time for the conversion process (Citi takes 60+ days).
  • Downgrading/converting your credit card may cause you to have “too much available credit” and may make it harder to be approved for future credit cards (mostly Barclays, but you can do recon calls to reverse their decision).
  • Downgrading/converting your credit card may interfere with the “churnability” of the credit card.

To read the full article, please click here.  Gotta go watch the Little League World Series now.

Random News: Ads Coming to TWG, Free Paper from Staples, Expiring Hotels.com Credits, Chase Marriott Retention Offer Letter, Uber Airport Rides, British Airways Avios Award Cancellations, and New AMEX Offers

960x250 TWG Logo

Random News: Ads Coming to TWG, Free Paper from Staples, Expiring Hotels.com Credits, Chase Marriott Retention Offer Letter, Uber Airport Rides, British Airways Avios Award Cancellations, and New AMEX Offers

Good evening everyone, let’s get to today’s random news…

First off, as I slowly transition under the Prior2Boarding / BoardingArea umbrella, you will probably notice some changes, like the Prior2Boarding banner showing up at the top of my blog.  I will remain self-hosted, so all my page URLs will stay the same.

Prior2Boarding Logo

I have some bad news for those of you who hate ads (probably all of you).  I have partnered with BoardingArea to show their ads on my blog.  You will see them in the coming days on the right hand side of my blog and toward the bottom of the blog.  If you use an ad blocking software/plugin, I won’t be mad.  I actually use Chrome’s Adblock Plus myself.  If the ads are really annoying, distracting, or obstructing content, please let me know ASAP and I will fix them.  Thank you for understanding.

Now to the good stuff…

Like clockwork, Staples has another ream of paper that is free after rebate and coupon.  These reams go for about $2 at garage sales, so stock up!

Staples Paper Rebate 8-17-2014

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Random News: OC Meetup Saturday Night, Citi Thank You Points, Chime Staples Offer, Frontier $39 Flights, AMEX Offers for Bed, Bath, & Beyond and Verizon FiOS

meetup

Random News: OC Meetup Saturday Night, Citi Thank You Points, Chime Staples Offer, Frontier $39 Flights, AMEX Offers for Bed, Bath, & Beyond and Verizon FiOS

Some quick random news stories before I head out to Buffalo Wild Wings…

Just a reminder, I am holding another OC Meetup at the Tustin District In-N-Out this weekend.  I believe Travel-Summary will be joining me and maybe some LA bloggers who want to come down to the OC *hint, hint*

I have some very good tips and tricks to share, so good that Marathon Man would not approve if I shared them online.  Please let me know if you can/will try to make it to dinner.

  • When: 6PM – 8PM on Saturday, August 9
  • Where: In-N-Out at the Tustin District: 2895 Park Ave, The District, Tustin, CA 92782 (map)
  • Why: Talk miles and points with me and other locals (possibly share some secrets too)

In-N-Out Address

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