I been saving up UR points for the perfect time
Chase Internal Memo on Changes to Sapphire Products
Can say this is surprising as the banks look for ways to prevent losses from customers Replica Designer Handbags (us) taking the Designer Fake Bags bonuses and running. Honestly, though, Replica Handbags I take this change over a potential devaluing of UR points from Designer Replica Bags non Sapphire cards as was suggested in recent surveys. Hopefully Chase decides this is enough and leaves the UR transfer alone.Still, definitely a bummer. I got both CSP and CSR in June, but my wife only got CSP last month. We weren in any cheap replica handbags hurry to get her a CSR maybe when mine was close to 1 year, purse replica handbags so I could PC down and then we switch to hers for CSR benefits. But now it looks like that Wholesale Replica Bags out.First of all, to answer this question, we only need Fake Handbags to consider the profit and cost of the first year only, and not the long term benefit Replica Bags of both cards. The reason is that after year one, whether you want to have CSP or CSR long term, has nothing to do with your choice above, because you can simply upgrade or downgrade to the card you want from second year on.Here the profit/cost break down for the first year of card ownership.(Both cards require $4,000 spending requirement, https://www.bagstradeol.com so it ignored below)TBH, I’m very surprised it took them so long. I got CSR last year, and the only high quality replica handbags reason to get CSP earlier this year was obviously for the sign up bonus, as well as for it being a no annual fee first year card with replica handbags china some CSR like benefits for after I downgrade CSR due to the annual fee. Chase isn losing anyone here but people hitting cards solely for the sign up bonus. No one is thinking about cancelling their cards because of this (if anything people will hesitate to close the card because they can open another Sapphire for at least another year) and the Handbags Replica dual sign up bonuses would have been a huge cost for them. I hope they try this for a bit and see if this cuts their costs enough without having to eat into other aspects of the UR program.There was some question in this thread about the words “If an account is closed.” in the memo, and whether replica bags that meant that a PC to non Sapphire card was exempt from the new 24 month language:If an account is closed, a customer will not be eligible for any Sapphire branded credit card if they Replica Bags Wholesale have Fake Designer Bags earned a cardmember bonus on a Sapphire branded product within the last 24 months.The public terms make wholesale replica designer handbags it clear that PC and closed are treated the aaa replica designer handbags same:The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last replica handbags online 24 KnockOff Handbags months.Simple and straightforward. replica Purse :(So much for that then. I think I may be mildly more upset I can add my cat as an AU for the extra 5k. I already have CSR. I do plan on keeping it.That being said I sacrificed my last two months to make sure I was 0/30 for the CIP and CIC, to make it in time for the BRM offer before it closed on 8/27. In retrospect, I don regret going for those two first, especially with the extra in UR I got for the BRM.Lesson we should take out of it is pay attention to all dates across all Chase products if we see an end or a start date for another product/offers, we should evaluate the existing products/offers. I know there probably no correlation between 8/27 and BRM and this change, but what if, dates were more unified across programs than we thought.So I guess my only question is this, if I keep the CSR, stay under 5/24, could I get the CSP and the bonus, say, 25 months after getting my CSR?And final thought: for those stuck in limbo who applied very recently, CFPB if terms were not updated on the website? They updated now, I checked. Thread title scared me, thought it be a nerf to UR points. I been saving up UR points for the perfect time, so I pretty nervous about a nerf. This isn that, though I absolutely don blame them, they just giving away points to churners for free the way it is right now. No reason at all anyone would want a CSP and a CSR, except to churn at least one of them.Edit: pretty insane of them to block you from even getting the card, though, rather than just the bonus? That totally doesn make nearly as much sense why would they want to bar someone who has a CSP and finally decided it would make more sense to get a Reserve instead, from upgrading? For two full years?! (Well, I guess after one year you could PC it, so I guess that not so bad.).
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