Originally Posted by
Dr Jabadski (Post # 5)
So far, so good (other than having a conversation with myself on this thread
). No AF’s paid (or paid then refunded) on 15 month old Sapphire Reserve, no clawback of SUB, several visits to Sapphire Clubs. AF on 11 month old UA Club card was refunded, no clawback of SUB, many UA Club visits past 3-4 months, during IRROPS several UA Club agents rebooked me when app rebooking were near impossible and resulted in terrible itineraries. Even got
a nice Chase bonus on my UA Club card for the past 3 months.
Reminder: It’s reasonable that if CL is lowered to
below 4x AF, the applicable card might not see much use, that’s certainly true for me. . . .
Lowering the CL to
below 25% of AF resulted in these 2 cards having CLs far less than any of my other
personal cards (for which I have little concern for usage %). Years ago I used to make multiple monthly payments to keep usage % down, recently not so much. . . . [Boldface redline emphasis added.]
Some of us are reading your every word carefully, and are very grateful for what you share.
The second clause I have emphasized should be 400%.
/s/ SPN Lifer
Father of FT "notional business" terminology 🤠