I was just looking at "My Account" at united.com and noticed that the Mileage Expiration had this note:
Thank you for being a Chase MileagePlus cardmember. Your miles will not expire as long as your credit card account is active, your annual membership fee has been paid and the card is not in default. Upon cancellation of your credit card account, your miles will expire in accordance with the MileagePlus program rules.
Does that mean if I cancel this card, my united miles will be deleted?
I recently got into the FF frenzy and I fly United the most since that is what the Navy usually flies me on. I have never had an issue and with the 55K option with the 1K in 3 months I will meet that during the holiday season. I will be using this plus a CSP for 40K for a total of 100K UA miles. I am using this mainly for when I travel but the perks are what is nice. I will use the CSP more and the fact that I can take them through the UR mall.
Yup, the CSP + Explorer is a great combo. Make sure to add the Freedom and Ink combo (biz card) to max out. They have no annual fees and the extra points adds up, ALOT.
ETA: Just realized I replied to a one year-old post, my fault.
Originally Posted by iowa guy
Thanks for the advice and replies. I think I may cancel.
When will I be able to reapply and receive a bonus?
Just wondering, you don't want to keep it for the 10K bonus after $25K spend?
Last edited by iluv2fly; Jul 20, 13 at 4:14 am.
Programs: United GM, VX Gold, AA PLT (until 02/16), MR Gold, HH Diamond, Hertz 5* Gold
Originally Posted by MDtR-Chicago
Personally, I think primary coverage is overrated. Since your own insurance covers everything but the deductible, that's really your only monetary risk. A common justification is that it protects you from having to file a claim on your insurance at all. But, for your usual driving, would you pay an additional fee over and above your existing insurance premium so you wouldn't have to use the insurance you're already paying for?
Maybe if you rent frequently or you're a poor driver... but I'm not a fan of paying twice for something.
Many auto insurers will only pay out Actual Cash Value in a claim. ACV is often less than the replacement value of the vehicle, which is what the rental car agency will hold you responsible for.
You can get in trouble even if the other driver is at fault.
That's why I purchase the Loss Damage Waiver or Collision Damage Waiver. (Exact terminology varies between rental car agency.) This coverage can run anywhere from $10 to $30 per day, depending on the location and rental car agency.
Using the MP Explorer card on rental car transactions provides this coverage, so I break even on the annual fee after three or four rental car days.
And that's not counting the other benefits - two Club passes, CPU eligibility on award bookings, RDMs, bonus RDMs for $25K annual spend, no foreign transaction fees, and now the PQD waiver for Premier tiers up to Platinum.
The CPUs on award tickets for UA Credit Card holders is another reason keeping it and for 1Ks, the $60 credit to partially offset the fee.
That said I may cancel the card mid year assuming no good retention offer after I meet the $25k spend and apply for a Biz Explorer for the new signing bonus and $25k spend bonus. Plus this will start the clock on potentially being eligible for a new personal signing bonus 24 months after the closure.