Originally Posted by am1108
Ok, so I have the Explorer I got it in January. I would like to get the Chase Sapphire Preferred because of the No Forex fees and you get bonus points on Travel and Dining ( I do a lot of the latter
) But, I wanted to get the MP Club card because the first year is free and I can actually justify the club portion on it, since I tend to go to the club whenever im traveling. I would like some ideas/insight on what I should do. Although I know that the current offer on the MP Club is free im wondering if there might be a better offer in December.
Also, am I able to change the MP Explorer I currently have into the MP Club? and vice versa in a year or a couple of years down the road if I cant justify having the Club access on there?
I also wouldn't expect a better deal on the MP Club than what is offered now. I can't seem to see any way that they would need to add additional perks, like a mileage signup bonus or anything of the sort.
Since you got the Explorer in January, you should be able to get a new Chase card by now. I get a personal one about every 3-4 months or so, so assuming you don't have a bunch of other ones right now, you should be able to get approved with little hassle on one of the personal cards.
It's always tough to get approved for two personal card at once without at least having to call the reconsideration line. So, I'd say you have two options:
1. Try for both of them at once, knowing that you'll most likely have get denied at least one of them and have to call the reconsideration line and take your chances with them.
2. Decide which card you value more and get that one now. Then, wait 3 months and apply for the second one. It isn't guaranteed you'll get the second one after waiting three months without hassle, but there is a much better chance than if you tried to get both at once.
If you end up choosing the first route and need some tips on calling reconsideration, let me know. I've had to do it quite a lot recently and am still 100% so far.