- Centurion Member
- Posts: 4059
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
My last SL ($8,500) on a new account with Chase (Hyatt) brought my total Chase CLs up to half my reported income, and I've read a few cases of people getting irregular SLs to hit that threshold. So I'm not certain, but it's a reasonable explanation and one I'm not inclined to challenge, especially having opened 3 Chase cards in 2015.
The APRs on 3 of my 4 Chase cards are of the fixed 15.99% variety, so I can't factor those in.
As far as IHG, I still really like having the card. Right now I'm trying to figure out whether or not I should shoot for Spire Elite in the next few weeks (before the end of 2015). I'm pretty busy, but I'm actually considering a few mattress runs. If I booked three (or maybe even two) nights with 5k bonus point rates, I'd pay about $350 but get about $600 in points. Hitting Spire Elite really is a points windfall, and I'd have to start over from scratch in 2016. I really wish they used years consisting of 12 months after you join the program, but instead it's based on calendar years.
I didn't expect to come close, but I got a 30k bonus rate that (after a 30-minute headache with IHG customer service trying to get the bonus points in the first place) ended up posting as elite-qualifying. So I'm actually not too far and not sure what to do.
And dealing with IHG customer service is not pleasant.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech