Double dipping Chase applications use to be a popular practice for those in the mid-game of their credit card journey. The method was used to combine hard inquiries when you apply for two personal Chase credit cards in the same day.
As of September 2018, double dipping Chase applications no longer works. Technically, you could still do it, but it would result in your account being manually reviewed by Chase.
When Chase manually reviews your account, there are a few possible scenarios:
The first application is approved, and the second application is rejected
Both applications are initially approved, but then Chase will automatically close an account in the future
A Chase representative will call you to ask if you applied for both cards, and they might let you choose which card to keep open
Bottom line, double dipping Chase cards no longer works, and you shouldn’t do it unless you want eyes on your account.
Either way, this doesn’t change my Chase card strategy because I was probably going to apply for the cards regardless.
Apple and Goldman Sachs will partner to create a new iPhone-connected credit card set to launch later this year. According to the WSJ, the card will integrate with the iPhone to track spending, points, and help with budget management.
American Airlines recently updated the merchant coding on their end to reflect gift card purchases; these purchases no longer generate the airline incidental fee credit.
“What’s In My Wallet?” is a monthly series on the cards I have in my card rotation for the month. The cards vary depending on if I open a new card or if I’m trying to optimize for 5x categories.
The new dynamic pricing for the Marriott Bonvoy program takes effect on March 5, 2019. If you have the points, I strongly recommend booking your stays now before the changes take place.
How to maximize the Amex Platinum benefits: Uber credits, Saks credits, airline fees, airport lounge access, Amex Platinum Concierge, return protection, extended warranty, and purchase protection.
Booking a flight with the right credit card can make or break a trip, especially if unexpected delays happen. Missed connections or canceled flights can leave a hole in your wallet, and some airlines will only provide food vouchers and overnight accommodations if the delay with within their control.
There’s a misconception going around that the Amex Platinum card earns 5x on ALL hotel stays. To clarify, the Amex Platinum only earns 5x points when you book hotel nights through amextravel.com or the Fine Hotels and Resorts Collection (FHR).
Roundup of deals: Chase Pay offers, Bank of America Free Museum Weekend, and more.
American Express recently sent out Form 1099-MISC to cardmembers who had referrals in 2018. In the past, cardholders did not receive forms for referrals, so this might come as an unfortunate surprise.
Marriott recently announced the upcoming changes to their loyalty program, Bonvoy. There’s a lot of information to digest like rebranding cards, new cards, status, and key dates.
Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
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