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. I have other cards that give me similar or better rewards for ongoing spend than my UA Club and Sapphire Reserve cards both of which which I opened mainly for the SUBs and secondarily for ongoing club/lounge access. I wouldn’t keep either card open if I had to pay an AF.
Lowering the CL to below 400% 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.
However, due to the Chase bonus for the past 3 months, spend on my UA Club card was significant, way more than once monthly rideshare charge (for monthly credit) that was my norm between the SUB and recent bonus. I almost forgot that being a personal card it would be hazardous to my credit scores to have Chase report 60% or 75% or 86% usage,
had to remind myself to make a payment (or 2 or 3) prior to statement closing date.