Strategy to obtain US Amex

[_TheTraveller_]

Co-branded business cards cannot be added to digital wallets for some strange reason: Accepted cards | Digital Payments | Chase.com

I saw the website as well and just thought it had been out of date!

Thanks for confirming. I called Chase and they said it should be possible but I don't know who to believe. They said to call the tech line tomorrow morning but I might not bother given that you've also confirmed the same thing.

 

[levelnine]

I saw the website as well and just thought it had been out of date!

Thanks for confirming. I called Chase and they said it should be possible but I don't know who to believe. They said to call the tech line tomorrow morning but I might not bother given that you've also confirmed the same thing.

I never got it to work, so gave up and just used the physical card.

 

[Igreen]

Co-branded business cards cannot be added to digital wallets for some strange reason: Accepted cards | Digital Payments | Chase.com

IHG Biz (Mastercard)u cannot add but Hyatt Biz (Visa) u can. Something with Mastercard. However, personal card are not an issue. Chase has a public website that states which cards cannot be added to digital wallet. Accepted cards | Digital Payments | Chase.com

 

[_TheTraveller_]

@levelnine and others in the Chase game.

Any consensus for velocity with Chase? Better off 1/90? I'm keen for the Aeroplan card given the 75/100K offer available at the moment but I've just been approved for IHG last year. Have some OS travels coming up so it would be good to get a personal card rather than putting $$ on a biz card.

 

[levelnine]

@levelnine and others in the Chase game.

Any consensus for velocity with Chase? Better off 1/90? I'm keen for the Aeroplan card given the 75/100K offer available at the moment but I've just been approved for IHG last year. Have some OS travels coming up so it would be good to get a personal card rather than putting $$ on a biz card.

Should be fine if your overall velocity with Chase is low. My P2 has already opened and completed the spend on their third Ink of 2024.

With that said, it's a bit more of a black box at the moment. Chase significantly changed its approval rules around business cards this year.

Last year, the taps were truly turned to full. Although the public rule is 1/90, in private people were hitting Chase much, much harder than that. The only restriction was keeping your overall credit limit under ~50% of stated income.

They've significantly clamped down this year. It looks like there's now a soft limit of 4-5 business cards open at any one time.

As you're looking at a personal card, I don't think any of this directly applies to you, but FYI.

 

[_TheTraveller_]

Should be fine if your overall velocity with Chase is low. My P2 has already opened and completed the spend on their third Ink of 2024.

With that said, it's a bit more of a black box at the moment. Chase significantly changed its approval rules around business cards this year.

Last year, the taps were truly turned to full. Although the public rule is 1/90, in private people were hitting Chase much, much harder than that. The only restriction was keeping your overall credit limit under ~50% of stated income.

They've significantly clamped down this year. It looks like there's now a soft limit of 4-5 business cards open at any one time.

As you're looking at a personal card, I don't think any of this directly applies to you, but FYI.

Thanks.

Just a bit more concerned on the shut down front. I'm sitting about 29% of stated income so hoping to round things up with Aeroplan and Hyatt then move on to just close/churn inks afterwards.

3/23: CSP
8/23: CIP
1/24: CIC
4/24: IHG

I think it's fairly spread out but I don't know how it compares to others.

3 inks in the first 4 months is pretty full on. Not concerned about shut downs?

 

[levelnine]

Not concerned about shut downs?

The worst that will happen is denial. Chase aren't shutting people down for trying to open 5 cards in 12 months. They shut down for financially risky activities (maxing out all your credit lines, especially with a bunch of new accounts and especially on purchases that look fraudulent — gift cards, etc) & rewards abuse.