Happy

Some discouraging DP - under 5/24 is no longer a good bet.

I strongly recommend those who dont want to keep a fee based card take the downgrade route, even though you may just want to close it - product change it first then take time to decide what you want to do much later. This is based on yet another DP saw on non-English site that a poster is denied on Ink Unlimited even he was only 4/24. First recon just told him nothing can be done. Second recon the rep was actually quite well-informed on the 5/24 but told the poster that he had many opened / closed cards in his record, and "that was not the behavior the bank liked to see." The rep added, "If you wanted UR pts, you could open the Sapphire Bank Account or moved the mortgage to Chase."

Not clear is, whether the Chase rep also looked at the non Chase cards that were opened/closed but not kept.. My guess is, he took other banks in the tally as well due to the poster is 4/24 (but actually have opened 3 biz cards that are not counted, and just closed a UA Biz after 1st anniversary.)