I love credit cards so much! v6.0 - 2023 (see first page for add'l details)

In your experience, what is the best way to ask for a credit limit increase for a card you just received?

Finally received my first business card, CIU. However, limit is $3k and I have a $5,400 summer camp payment due.

I figure I can put $3k on and pay it off, then do the same again; or I can call Chase and ask for increase; or can ask for increase through the website.

Is there a best strategy?

Just made my first big mistake in this hobby and I could just cry -

Got my CIU business today. Turns out I messed up and did not get the Ink Business Cash Unlimited - just got the Business Unlimited. (This is the last time I ever do any new apps sleep deprived and from my phone - coffee and at the laptop from now on!)

I called and told them I made a mistake; they said I have to have it open a YEAR before I can upgrade to Business Cash, or I can cancel the card and reapply.

I was depending on the 5% cash back from office supply stores as part of my strategy for earn over the next year. I feel like the only thing to do is cancel and reapply - BUT my big payment is due June 1 - so I need the new card to come by then - assuming I am approved!!!

Ugh ugh uggity ugh - any advice is appreciated!

Just wait 3 months and then apply for a CIC. The CIU is better for your summer camp payment anyways. It has 1.5x everything instead of 1x for non-category on the CIC.

For your payment, you can pay $3000, pay it off, wait until you see your credit line go back up, then make the rest of the payment. It's credit cycling and you wouldn't want to make a habit of it, but doing it once is fine. When you have another Chase biz card, you'll be able to move CL around.
 
Just wait 3 months and then apply for a CIC. The CIU is better for your summer camp payment anyways. It has 1.5x everything instead of 1x for non-category on the CIC.

For your payment, you can pay $3000, pay it off, wait until you see your credit line go back up, then make the rest of the payment. It's credit cycling and you wouldn't want to make a habit of it, but doing it once is fine. When you have another Chase biz card, you'll be able to move CL around.
Ok - I don’t feel like I’m going to either cry or kick something anymore - thank you!
 
I just got approved for a chase business ink. I fell under 5/24 on 5/14. It was weird though I got under review you’ll receive a new card in 7-10 days if approved. At first I thought it was a denial and then I realized it didn’t say we’ll make a decision in 7-10 days.

Another weird thing was there was no credit pull and the application status line said there was no application. About 8 hours later I started getting emails from Amex, Capital one, credit karma and Chase that I had s new inquiry. Usually those emails come within minutes after applying for a new card.
I then got sn email I was approved. It seems they didn’t process or pull a credit report on the application until several hours after I applied. I’ve never had that happen before

I had the delayed pull happen once before. It is weird! No idea why it happens.

The status line is just wonky these days. I tend to check my account obsessively instead of calling now lol.
 
My learning experience today - got an email that my Washington Post digital subscription will auto-renew on June 14. Of course all the Chase WP offers I have expire in 9 days. So I chatted to see if I could pre-pay the renewal now, and the answer was NO. Decided to cancel and resubscribe my DH for the CC rewards. BUT when I hit cancel they offered me a 33% discount on the year subscription, which is a better deal than 20% off. Lesson learned, just threaten to cancel every year for a discount.
 
New IHG Biz card in my account. I applied on Sunday and got the we’ll see message. it’s In my account today. I’m happy with another FNC and the higher points Sub. Easy MSR as I got property tax bill in the mail today!

like others I didn’t know when the higher bonus would end so I’m a little earlier than 3 months between apps. DH will get a CIC next whenever we need a new card so I’ll not push my Chase luck.

On credit cycling, since Citi was stingy with my CL 1,500, I paid today so I can keep charging before my statement closes in June. They didn’t make it easy to hit MSR.
 
Just wait 3 months and then apply for a CIC. The CIU is better for your summer camp payment anyways. It has 1.5x everything instead of 1x for non-category on the CIC.

For your payment, you can pay $3000, pay it off, wait until you see your credit line go back up, then make the rest of the payment. It's credit cycling and you wouldn't want to make a habit of it, but doing it once is fine. When you have another Chase biz card, you'll be able to move CL around.

Ok - I don’t feel like I’m going to either cry or kick something anymore - thank you!
Lol, everything works out in the end!

I had a small limit for my CIU in March. I charged up to the limit very quickly and applied a payment. Then I forgot I applied a payment and did it again, resulting in a credit balance.

It took a week before everything got credited successfully and I felt as if I could do another charge against my credit. It ended up being a very fast $6000 spent, but not the fastest.

A couple years ago I app'd for a CIC and got instant denial. I waited about 5 minutes and app'ed for a CIU and got approved. Waited the year and product changed to a CIC.

This time around I went for another CIU and again instant approval back in March.

Almost ready for my next card but need some spend to put on it.
 
New IHG Biz card in my account. I applied on Sunday and got the we’ll see message. it’s In my account today. I’m happy with another FNC and the higher points Sub. Easy MSR as I got property tax bill in the mail today!

like others I didn’t know when the higher bonus would end so I’m a little earlier than 3 months between apps. DH will get a CIC next whenever we need a new card so I’ll not push my Chase luck.

On credit cycling, since Citi was stingy with my CL 1,500, I paid today so I can keep charging before my statement closes in June. They didn’t make it easy to hit MSR.
That's my next card.
 
Just made my first big mistake in this hobby and I could just cry -

Got my CIU business today. Turns out I messed up and did not get the Ink Business Cash Unlimited - just got the Business Unlimited. (This is the last time I ever do any new apps sleep deprived and from my phone - coffee and at the laptop from now on!)

I called and told them I made a mistake; they said I have to have it open a YEAR before I can upgrade to Business Cash, or I can cancel the card and reapply.

I was depending on the 5% cash back from office supply stores as part of my strategy for earn over the next year. I feel like the only thing to do is cancel and reapply - BUT my big payment is due June 1 - so I need the new card to come by then - assuming I am approved!!!

Ugh ugh uggity ugh - any advice is appreciated!
I’d keep the CIU and use that for your June 1 payment…then wait 3 months to apply for a CIC
 
So glad you're back. Air France/KLM have a "secret" calendar view for their award flights. Using a desktop, log into Air France or KLM. Book with miles-> choose one way -> departure and arrival airports -> leave dates BLANK -> Search. You'll be shown a calendar view and you can click on a whole month. Ideally you'll see rates for 56k or so. If a month is grayed out, know that's a glitch. You might have to click the month before or after and scroll by week to look for those low fares.

Or for this particular route, I can't recommend SeatSpy enough. Sign up for a free trial. You'll be able to see a whole year's worth of biz and econ availability in one click, on one screen, with outbound and return. It's amazing. Well worth the subscription if you'd use it often. But start with the free trial.
Thank you for this info! I almost booked flights because of the reduced redemption using UR’s transferred to KLM which ends today. My daughter recommended that I wait to book a flight until she gets her travel orders which won’t be till this summer. The big reason of going back to Europe is to help our daughter and her family on her military move ( they will be traveling on a charter flight from Ramstein base to BWI with 2 children under 2, 2 cats, 2 car seats and a stroller plus a lot of luggage. My DH and I are hoping to go standby on that same flight to lend an extra hand. We have family to visit and stay with in Baltimore overnight (or maybe 2 nights), since the travel day from the base to BWI is LONG! Flights often get delayed and check in can be exhausting. Still it’s basically a free flight for us since my husband is retired from the military and that is one of the privileges. We will then fly with her to San Antonio on Southwest since she will be going there for 5 months of training. Just hoping her next assignment will keep her in San Antonio for 3 more years. My DH still works and I work for him), but I have more flexibility so plan to travel sooner to Europe. I have to travel with him to use the military planes standby privilege.
 
All y'all's talk about "flying blue" and "delft houses," I had to go look all that up! :)
We have only experienced that once. We decided to upgrade our flight to Scotland on KLM in 2020. We have two cute little gin filled houses to commemorate our being stranded during Covid! It hit while we were in the air. KLM is great and Schipol is a nice airport.
 
PSA for anyone needing to renew passports, do it sooner than later! I sent mine in the beginning of March, we fly out this Thursday for a cruise departing on Saturday. I've called several times to try to get it expedited, emailed my congressperson as well. I got a call this morning saying it is done and they are overnighting it, it will be here tomorrow, the day before we leave. I won't completely relax until I have it in my hands though!
 
PSA for anyone needing to renew passports, do it sooner than later! I sent mine in the beginning of March, we fly out this Thursday for a cruise departing on Saturday. I've called several times to try to get it expedited, emailed my congressperson as well. I got a call this morning saying it is done and they are overnighting it, it will be here tomorrow, the day before we leave. I won't completely relax until I have it in my hands though!
Did you pay the extra $60 to have the passport expedited?
 
I was able to book 5 nights at the Hotel du Louvre in Paris yesterday (for my April trip) using Hyatt points (transferred from Chase). At 30,000 pts / night I get a value of $0.022, which I consider excellent. I was very happy to get this redemption because the HDL has a reputation on FT of being super stingy with releasing the lowest category of rooms for points bookings. It's much fancier of a hotel than what I'd like (I won't be in the room much to enjoy the luxury), but it's free.

After the transfer yesterday for my KLM flight home and the HDL I need the SUB from my most recent biz card to hit my account to top up my URs (I still have a few 000 in spend left, but the next property tax payment is coming up June 1st). I am planning on applying for another Chase Ink card in late August to pay dd's tuition and res.

With the current Hilton offer I am considering applying for the Surpass and getting dd the no fee card. Then I'll have 2 FNCs to use with my HH point stash somewhere in 2024.

Without all the helpful posters on this thread there is no way I could travel like this. So a huge thank you to everyone who has helped me along the way. I still have so much to learn as this game habit evolves!
 
Well my luck definitely ran out. Sorry for the long semi-rant post. Decided at the last minute to take a cab to EWR (stupid bellman... I'm a former NYC flight attendant who knows better), which cost me almost $150; I had budgeted for the $40ish train ride. I got a notice that our flight was delayed about 20 minutes, no big deal.

This was my first time flying Polaris and I was really excited. Polaris check in at EWR was terrible. They made us use self check kiosks and the woman putting the tags on my bag wanted to be anywhere but at work. Didn't tell us which way to security, didn't tell us where the lounge was, she literally said nothing. I had to ask which security check point for Pre-Check. When I checked myself in, a message popped up about volunteering for a later flight etc. but I said no (spoiler alert, big mistake).

Got to the Polaris Lounge about 6:00 and it was packed. None of the videos I had watched about the lounge came close to last night's numbers. We checked in at the restaurant and they were on a 35 minute wait, which wasn't bad considering the crowd. As we were waiting, I said I was going to go to the desk to get more details about the volunteering option, but I never did (again, big mistake). Restaurant definitely lived up to the hype: the Polaris burgers were amazing and the chocolate chip skillet cookie was to die for. Our server started talking to my nephew about his Yankees hat and she ended up talking to us a long time, her service was excellent. She offered us all 3 deserts when we debated on which two we wanted.

We took advantage of the shower rooms, which were also nice. After that, it was time to head to the gate. I saw the pilot and FA crew sitting in the waiting area and I knew we were in for a longer delay. Again, I am looking forward to skipping dinner and sleeping in my lie flat seat so no big deal. Then I overhear that the previous 2 or 3 LHR flights had cancelled and they were putting deadhead FAs on our flight. Again, no big deal because our plane is definitely leaving. After about 30 minutes, I went to the restroom and came back to my nephew gathering up our belongings because they had called us to the desk. Get to desk, guy confirms who I am and is doing the comical airline agent task of typing a gazillion words without saying anything to me. After about 5 minutes, I finally asked if we were getting bumped, and he replied that we were getting downgraded to Premium Plus. I was very nice but said how I disappointed was, and he just said "well, you booked on points so you're getting downgraded." No mention of compensation. So I asked if there would be any compensation available and he rudely said yes we would get $500 each.

It was a complete mess. The poor older couple who had booked on pts in Premium Plus got bumped to economy and they put us in their seats. The woman was fairly nice about it, but she wasn't happy because she heard the gate agent tell me our new seat numbers. Boarding begins and we are still standing there because he can't get the vouchers/credits to print/email (or however he was trying to get them to me). Finally, he gave up and just said "go ahead and board and you should have an email with your vouchers when you get there because I have sent this to customer care and noted it in your acct. If you don't have your credits by the time you get there, reach out to customer care." We were the last ones to board Premium Plus and we were in the exit row (yay for leg room, boo for literally being right next to the bathroom). Someone apparently swiped one of our amenity kits on the way to the back because we only had 1 for our 2 seats. I told 3 different employees (not realizing 1 guy on the plane was a gate agent( that we needed another kit. They all looked at me like I was crazy, and no one ever brought it.

So of course today I have no communications from United and had to submit a complaint. I used to work for Delta, have flown SWA almost exclusively since leaving that job in '04, I went through the SWA meltdown of Labor Day 2021 and Christmas meltdown this past year when I had to drive home 14 hrs alone. This experience was hands down the worst due to the complete lack of customer courtesy. As a former airline employee, I fully understand all the ins and outs, but there is just zero reason for employees being non-communicative and/or downright rude. I experienced both.

So.... if you are still reading this and you ever get the "do you want to volunteer" message, explore that option preemptively. Especially if you booked all points and have no airline status! Had I done so, I probably could have gotten a later flight in biz class (or maybe the next day with a hotel room paid for). Anyone had United promise them vouchers/credits and not get them on the spot?

ETA: KLM biz class both ways last August was amazing. I now know why everyone ranks U.S. airlines at the bottom. I forgot to mention that the breakfast they served us this morning was inedible. Literally. My nephew is a college kid who will eat anything. So when he says its inedible, you know its bad. (How do you mess up waffles??).
 
Well my luck definitely ran out. Sorry for the long semi-rant post. Decided at the last minute to take a cab to EWR (stupid bellman... I'm a former NYC flight attendant who knows better), which cost me almost $150; I had budgeted for the $40ish train ride. I got a notice that our flight was delayed about 20 minutes, no big deal.

This was my first time flying Polaris and I was really excited. Polaris check in at EWR was terrible. They made us use self check kiosks and the woman putting the tags on my bag wanted to be anywhere but at work. Didn't tell us which way to security, didn't tell us where the lounge was, she literally said nothing. I had to ask which security check point for Pre-Check. When I checked myself in, a message popped up about volunteering for a later flight etc. but I said no (spoiler alert, big mistake).

Got to the Polaris Lounge about 6:00 and it was packed. None of the videos I had watched about the lounge came close to last night's numbers. We checked in at the restaurant and they were on a 35 minute wait, which wasn't bad considering the crowd. As we were waiting, I said I was going to go to the desk to get more details about the volunteering option, but I never did (again, big mistake). Restaurant definitely lived up to the hype: the Polaris burgers were amazing and the chocolate chip skillet cookie was to die for. Our server started talking to my nephew about his Yankees hat and she ended up talking to us a long time, her service was excellent. She offered us all 3 deserts when we debated on which two we wanted.

We took advantage of the shower rooms, which were also nice. After that, it was time to head to the gate. I saw the pilot and FA crew sitting in the waiting area and I knew we were in for a longer delay. Again, I am looking forward to skipping dinner and sleeping in my lie flat seat so no big deal. Then I overhear that the previous 2 or 3 LHR flights had cancelled and they were putting deadhead FAs on our flight. Again, no big deal because our plane is definitely leaving. After about 30 minutes, I went to the restroom and came back to my nephew gathering up our belongings because they had called us to the desk. Get to desk, guy confirms who I am and is doing the comical airline agent task of typing a gazillion words without saying anything to me. After about 5 minutes, I finally asked if we were getting bumped, and he replied that we were getting downgraded to Premium Plus. I was very nice but said how I disappointed was, and he just said "well, you booked on points so you're getting downgraded." No mention of compensation. So I asked if there would be any compensation available and he rudely said yes we would get $500 each.

It was a complete mess. The poor older couple who had booked on pts in Premium Plus got bumped to economy and they put us in their seats. The woman was fairly nice about it, but she wasn't happy because she heard the gate agent tell me our new seat numbers. Boarding begins and we are still standing there because he can't get the vouchers/credits to print/email (or however he was trying to get them to me). Finally, he gave up and just said "go ahead and board and you should have an email with your vouchers when you get there because I have sent this to customer care and noted it in your acct. If you don't have your credits by the time you get there, reach out to customer care." We were the last ones to board Premium Plus and we were in the exit row (yay for leg room, boo for literally being right next to the bathroom). Someone apparently swiped one of our amenity kits on the way to the back because we only had 1 for our 2 seats. I told 3 different employees (not realizing 1 guy on the plane was a gate agent( that we needed another kit. They all looked at me like I was crazy, and no one ever brought it.

So of course today I have no communications from United and had to submit a complaint. I used to work for Delta, have flown SWA almost exclusively since leaving that job in '04, I went through the SWA meltdown of Labor Day 2021 and Christmas meltdown this past year when I had to drive home 14 hrs alone. This experience was hands down the worst due to the complete lack of customer courtesy. As a former airline employee, I fully understand all the ins and outs, but there is just zero reason for employees being non-communicative and/or downright rude. I experienced both.

So.... if you are still reading this and you ever get the "do you want to volunteer" message, explore that option preemptively. Especially if you booked all points and have no airline status! Had I done so, I probably could have gotten a later flight in biz class (or maybe the next day with a hotel room paid for). Anyone had United promise them vouchers/credits and not get them on the spot?

ETA: KLM biz class both ways last August was amazing. I now know why everyone ranks U.S. airlines at the bottom. I forgot to mention that the breakfast they served us this morning was inedible. Literally. My nephew is a college kid who will eat anything. So when he says its inedible, you know its bad. (How do you mess up waffles??).
Wow, what a huge bummer. You handled it well considering the horrible customer service. I suspect I would have gone pretty Karen. You should ask for more than was promised given the need to follow up and I'd detail your experience like you did here. You come off really well and measured (again I'm sure I'd come out pretty shrill, LOL).

On the subject of travel-hacking fails, I nearly had a big one yesterday. My family (DH, DS26 and DD23) are all headed to London for a couple weeks in June. DD is a Phd student so she wasn't sure she'd be able to go until fairly recently. I'd bought the rest of our tickets on BA with Avios a year ago (Business going First coming back to use the Concorde room). I was able to snag a First for her her coming back a couple months ago, but I was waiting for a seat to release going, figuring that since I'm newly gold I could always force a ticket with Avios open for her. One of the big reasons I did a tier point run last December to become gold was to be able to do that for tickets for her. Thankfully she's a good/grateful kid and doesn't mind flying economy when necessary. Anyway, I decided to look at the rules of how to do it yesterday and OMG there is a 30 day requirement and yesterday was the 30 days! I called right away and it was a half hour before midnight UK time (3:30 pm here). The gold desk couldn't do the booking automatically but when I pushed back that it was indeed 30 days they sent it to the back to ticket. I was so lucky. Ticket was issued for her today on our flight so at least she has as seat. I probably could have gotten her on a different flight with UA, but my URs are more precious than my MRs so I didn't want to use them--also the hassle of having her fly separately. Anyway, it was a close one. Lesson learned: read the rules if you are going to rely on something you've never used before. With the BA sale right now, I'm actually researching another tier point run. I love being gold. Really nice perks so far.
 
We are staying at the Conrad in London and I did not get an upgrade (no problem, I know they aren't guaranteed). The young man checking us in did not acknowledge my Diamond status or mention the extra points or breakfast option. Maybe because I asked about the lounge. But he still could have mentioned the extra points and that breakfast was in the lounge instead (if that's what they do here, I still haven't asked yet). Complete 180 from Midtown Conrad where they went above and beyond to make you feel welcome, status or not. room is nice but not large. It actually reminds me of the Park Hyatt Place Vendome, but with some minor wear and tear showing.
Wow, what a huge bummer. You handled it well considering the horrible customer service. I suspect I would have gone pretty Karen. You should ask for more than was promised given the need to follow up and I'd detail your experience like you did here. You come off really well and measured (again I'm sure I'd come out pretty shrill, LOL).

On the subject of travel-hacking fails, I nearly had a big one yesterday. My family (DH, DS26 and DD23) are all headed to London for a couple weeks in June. DD is a Phd student so she wasn't sure she'd be able to go until fairly recently. I'd bought the rest of our tickets on BA with Avios a year ago (Business going First coming back to use the Concorde room). I was able to snag a First for her her coming back a couple months ago, but I was waiting for a seat to release going, figuring that since I'm newly gold I could always force a ticket with Avios open for her. One of the big reasons I did a tier point run last December to become gold was to be able to do that for tickets for her. Thankfully she's a good/grateful kid and doesn't mind flying economy when necessary. Anyway, I decided to look at the rules of how to do it yesterday and OMG there is a 30 day requirement and yesterday was the 30 days! I called right away and it was a half hour before midnight UK time (3:30 pm here). The gold desk couldn't do the booking automatically but when I pushed back that it was indeed 30 days they sent it to the back to ticket. I was so lucky. Ticket was issued for her today on our flight so at least she has as seat. I probably could have gotten her on a different flight with UA, but my URs are more precious than my MRs so I didn't want to use them--also the hassle of having her fly separately. Anyway, it was a close one. Lesson learned: read the rules if you are going to rely on something you've never used before. With the BA sale right now, I'm actually researching another tier point run. I love being gold. Really nice perks so far.
I am definitely not scared to go full Karen when i need to stick up for myself, but I am also good at reading the situation. There was nothing else to be done last night unless I wanted to argue with them and most likely end up waiting a whole day. They were rebooking people from the previous cancelled flight(s). I didn't mention this in the earlier post, but the gate agent's supervisor was literally standing there next to us watching all this happen. She even interacted with the older couple who complained to her.

Great minds think alike, I explained the situation on my inquiry form and asked for more compensation today since I had to take time out of my vaca to deal with requesting the compensation I should have received on site.
 
We are staying at the Conrad in London and I did not get an upgrade (no problem, I know they aren't guaranteed). The young man checking us in did not acknowledge my Diamond status or mention the extra points or breakfast option. Maybe because I asked about the lounge. But he still could have mentioned the extra points and that breakfast was in the lounge instead (if that's what they do here, I still haven't asked yet). Complete 180 from Midtown Conrad where they went above and beyond to make you feel welcome, status or not. room is nice but not large. It actually reminds me of the Park Hyatt Place Vendome, but with some minor wear and tear showing.

I am definitely not scared to go full Karen when i need to stick up for myself, but I am also good at reading the situation. There was nothing else to be done last night unless I wanted to argue with them and most likely end up waiting a whole day. They were rebooking people from the previous cancelled flight(s). I didn't mention this in the earlier post, but the gate agent's supervisor was literally standing there next to us watching all this happen. She even interacted with the older couple who complained to her.

Great minds think alike, I explained the situation on my inquiry form and asked for more compensation today since I had to take time out of my vaca to deal with requesting the compensation I should have received on site.
You should look into how much compensation you are owed by UK law. According to this, for being downgraded, it would be 50-75% of the flight price (I think your mileage puts you right on the cusp between the two). Not sure how that applies to a points booking. But I believe you would qualify because you flew into the UK, even though not on a UK airline. https://www.caa.co.uk/passengers/resolving-travel-problems/delays-and-cancellations/downgrading/

Edit: Maybe doesn't apply to you, UK261 is confusing.
 

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