jd101g

With the 60k bonus offer right now I'm trying to strategically get this right.... I suspect that after the 10/04/2017 date the offer will drop down to 50k points making it a little more difficult of getting to 110k. The end goal is to get the 120k points and getting the CP for year 2018 and 2019. What if I wait till 10/03/2017 and apply for both cards. That will basically give me all of 2017 to accumulate all my purchases needed.. Thinking about getting to $1,900 on both cards right until the end of the year and then spend the extra $100 or so needed right until the end, and then hope that the CP is given to me at the beginning of 2018.. Would that work?

kcmo57

You earn CP for the year in which you accumulate 110K points, and the following year. Your stated goal is to qualify for 2018 and 2019. Therefore, you don't want to meet the requirements for the sign up bonuses until early Jan 2018.

LP.in.Tempe

OP, I was going to do the same strategy as you as far as apply Oct 3, except spend the last $100 on January 1.

nsx

FTers love to cut it as close as possible, but if your bonus accidentally posts in 2017 remember that old-timers here recommended much more margin for error.

wetsand

You are also taking for granted that you will be approved for both cards.
I have seen resistance in approvals with some recent applications for both personal and business SW cards at the same time. Some one else jump in here if better info - usually have 90 days from application date to have spending completed, and POSTED.

flyer4512

Actually it's usually over 100 days to make the spend for Chase.

One 60K card and one 50K will do the trick, even a 60 and a 40K make it the same as it always was ( minus the hotel transfers) so getting at least one 60K card is big.

toomanybooks

Wife just got the 100k Marriott and it was exactly 90 days.

Hit spend on day 89, about 5 weeks ago.

flyer4512

Unless things changed this site says 103 days for Chase............the Wiki also says over 90

How can I determine the deadline for meeting the spend requirement to earn the signup bonus?

Just send Chase a secure message (SM) through your online account. Although the deadline should in theory be N months from the date of approval (not the date of application or card activation)--where N is the number of months specified in the offer--Chase typically pads this period to account for the time required to fabricate and deliver physical cards. For example, a recent "3-month" deadline was in fact 114 days, as confirmed by Chase's SM confirmation.



https://welltraveledmile.com/underst...d-bonus-offer/

toomanybooks

Chase reps say all kinds of things.

Some of them are even accurate.

flyer4512

Including the Chase rep that told you 90 days, correct, lol

I just looked at my spreadsheet, for our last 10 or so Chase cards, not one was the spend to be completed less than 103 days from approval

If things have changed to a hard 90 days the OP better think things over as if he applies on 10/3/2017 ninety days ( the date $2k in charges has to have POSTED) would be January 1, 2018 and a bunch of things could mess him/her up.

toomanybooks

I guess get things in writing from Chase when you are cutting it close.

The date of Oct 4 is curiously very close to 90 days before exact year-end. I imagine that date was not chosen by accident.

Because posting can take a couple days.

But we will see.

dmbolp

Counting OCT 4 there are 89 days thru the end of the year...

Carpboy823

From October 4 (inclusive) through the end of the year, there are 28+30+31 = 89 days. May have just been a typo on your part?

dmbolp

Yep, typo corrected, thanks

flyer4512

AFAIK there is no hard date for the 60K offer to end and the OP speculated that the 60K offer might end 10/4 and said he/she might apply 10/3 which would be 90 days on the nose with 1/1/18 being day 91

I looked back even farther ( across over 50 Chase cards ) and never had a Chase card with a 90 day spend, always 103 - 105 days ( a few cards did not have IA but I always enter the date I apply in my spreadsheet so that could be the discrepancy) with the vast majority being 103 days.

I SM to verify the bonus and the spend by date for every card I get. If the CSR is wrong they are at least consistent and since the spend by date for every card ( they are giving me a date not # of days) is always different I have to think they are seeing this on my account as opposed to pulling it out of the air.

Maybe some people who were recently approved for the 60K Southwest card can send an SM and see how many days they are getting as things may have recently changed.