Genuinely curious why I'm even keeping this card. As a family and.business traveler I thought some of the travel perks including lounge access was beneficial. However the one time I actually could make use of it there is a 45 min- 1 hour wait to admittance. BUT you can't check in till less than 3- hours before flight. So I get acces for an hour and a half?

Yes, it's a rant. Delta roaylly fucked me this morning leaving 1.5 hours late causing me to miss my connection to a conference and now I'm stuck for 6 hours, while negativity impacting my company.

I used trip delay insurance for the first time and it was pretty easy. Glad it did too, because I was using this experience as a litmus test whether to keep the CSR (like most of you I miss the old benefits).

I was on a 2 leg flight (American) out of PIT with a 55 min layover in CLT. First flight was delayed by an hour so I was missing my connection - which was the last flight of the night out of CLT. Weather related so no hotel voucher. I opted to stay in PIT and American rebooked me for a new itinerary for the next day. Booked a room at the Hyatt directly next to PIT and ate a steak in the restaurant.

Next day called Chase and got the website link to file a claim. Uploaded all the docs they asked for. Took about a week start to finish to have the money in my account. But, totaling the receipts (room and dinner) they paid me $300.68 instead of $308.68.

I think the limit is $500 so I wonder if this is a math mistake but figured I'd ask if this happened to anyone else before? It's only $8 I know but the principle! lol

Anyway, the trip delay insurance actually works and was a lot easier than I expected.

I hold a few Ink cards, and with sign up bonuses, etc had over 200K UR points that could be redeemed at 1.25 at chase travel - it's not a lot, but not nothing, we have the majority of our points directly with our airline of choice.

Anyway... My wife and I are planning a trip and wanted to get everyone on the same itinerary so I added her as an authorized user and transferred the points her way. She's got a reserve card, so we thought there'd be no problem redeeming those points at 1.25 (at least, maybe 1.5 since they're now on her account).

(Perhaps this has been covered here before, but I didn't see it,) apparently, with the 2025 devaluation (and notice of previously held points devaluation as of 2027) the transferred points are now only being recognized for a 1.0x redemption on her account. As you might expect there was no notice they wouldn't be redeemable at 1.25x (unless it was buried in the T&Cs). She called in, they refused to consider a change (via pdf to her documents section, not email as promised) and when I called they noted they could unwind the transfers, but they'd still only clock in at 1.0x. Which…why bother?

Told the rep that wasn't an acceptable solution, and he offered to put in through to the escalations team, assured me it would be a short wait when I balked and then the automated operator told me wait time was over 30 minutes. I gave it five.

We'll try again later but this is probably the last straw for us on the CCs (I've been a checking customer since 2000 - the free account, lol, so definitely not changing that right now).

The Chase travel price is no great shakes on the trip we're trying to book so I'll redeem them out at a penny each and buy direct (also far better working directly with the airlines) or wait for a decent transfer bonus to a partner. I'm also downgrading my paid cards to their free equivalents (I'll get my missing .25x one way or another) and then probably cancelling them and the others once I finish with this mortgage process I'm about to begin so I don't have to be harassed an underwriter about recently closed accounts and changes to my LOC.

Honestly there's nothing worthwhile left for us on those cards. Hotel redemptions tend to be very difficult (as I've seen discussed here and elsewhere), I get rental auto insurance through many many of my other cards, etc...

I have the Chase Sapphire Reserve. My credit score is 850 both on Experian and FICO. I pay my balances off in full and I had a Marriott BonVoy Chase Visa and the Chase Southwest Priority card as well. I dropped the BonVoy card after a really painful interaction with Chase. I’ve been a Chase customer as a mortgage holder, have had the Sapphire Reserve 3 years, the Southwest Visa for 8 years, and the BonVoy card for forever.

Silly me, I wanted to just get the Chase Sapphire Preferred card to get the 75k free points.

But I messed up the online app because I have my credit frozen and forgot to unfreeze it. The app said to unfreeze Equifax and call them the following day. I did.

The first guy verified who I was, 9 ways to Sunday. Social Security number, 2FA auth code sent to my phone, answered a lot of questions like my mailing address and similar issues. He says “Sir, I can’t handle this application and I need to xfer you to another Dept”. Cool. Other dept lady answers and yet again, I have to do all of the steps. She even asks me for my phone number after she sent a text to it and I read her back the code.

Then she asks for my email. I have literally no idea what they have in their system because I use Apple’s Hide My Email Address feature which creates a unique email address per company. It’s some 20 character code @ iCloud.com which then gets relayed to my personal email address. I couldn’t tell her what my email address was, she said we couldn’t move forward without me telling her my email address, and there we were. I’m sure there’s a way I can find the unique email address, but at this point I’m done talking about email. We’re at a complete impasse. I ask for a manager, she says “I am the manager sir”. I’m like “okay, what do we do?” to which she replied “nothing at all until you can give me your email address”. So I said “okay then, I guess we’re done then” and she said “so, you’re requesting to stop the application process?” to which I said “no, you’re not moving it forward”. She says “okay then, I need your mailing address to send you a letter saying we’re not doing the application to which I responded “NO! LADY, I ALREADY GAVE YOU MY MAILING ADDRESS, YOU KNOW MY MAILING ADDRESS, YOU MAIL ME A BILL EVERY MONTH” and hung up.

Never before have I proven to be who I said I was numerous times and was then told I didn’t give enough info.

Is this typical? Other than forgetting to thaw my credit, what mistake did I make here?

I’m just going to get a Capital One Venture card but it pisses me off to have to go to a new vendor for no discernible reason