I'm about to upgrade P2's engagement diamond.
I'm a Chase-only cardholder. I'm about to upgrade P2's engagement diamond from 4.05 to 5.64ct. To pay for this frivolous purchase -- an amount rivaling the U.S. GDP (at least it feels that way to me), I plan to use my CFU (in preparation for which, I consolidated most of my Chase CL to that card). Other cards I have are CF, CFF, CSP, CIP. Is the CFU my best choice?
RNE, saying, "Yeah, I'm a keeper." P.S.: It's my understand that Chase does not "need" to be notified about large purchases; indeed, the automated line confirmed that fact to me a few minutes ago. However, I don't relish Chase's algorithm having a fit when this CL-maxing authorization comes through. Should I look like a rookie and telephone Chase to tell them, or play it cool? P.P.S.: I don't want to request a CL increase. |
Originally Posted by RNE
(Post 32944165)
I'm a Chase-only cardholder.
....... I expect this would be for the Statuesque Mrs. RNE :) |
Haven't we already done this? Different jeweler? Freedom Unlimited is clearly the best Chase product to maximize rewards, and the Purchase Protection cap ($500) appears to be the same for Freedom as for Sapphire Preferred. If you had Sapphire Reserve the cap is $10,000 which is still small compared to the size of the purchase.
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Originally Posted by RNE
(Post 32944165)
Should I look like a rookie and telephone Chase to tell them, or play it cool?
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I didn't call when I did bought Mrs. Duke787's engagement ring a few years back and there were no issues on the Chase side. I would agree CFU is the best card here although, I did consider opening a card with a hefty welcome bonus for hitting spend minimums but I don't think an offers out there warrant you opening up a new CC at this point.
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Originally Posted by EmailKid
(Post 32945534)
I expect this would be for the Statuesque Mrs. RNE :)
Originally Posted by mia
(Post 32945620)
Haven't we already done this? Different jeweler? Freedom Unlimited is clearly the best Chase product to maximize rewards, and the Purchase Protection cap ($500) appears to be the same for Freedom as for Sapphire Preferred. If you had Sapphire Reserve the cap is $10,000 which is still small compared to the size of the purchase.
Originally Posted by Duke787
(Post 32947330)
I did consider opening a card with a hefty welcome bonus for hitting spend minimums but I don't think an offers out there warrant you opening up a new CC at this point.
RNE, panhandling, "Brother, can you spare a dime?" *Yeah, she missed the CSP's 80k SUB that I recently got, but 60k is nothing to sneeze at, and because I got a 15k referral bonus, the resultant haul is only 5k shy of 80k by my reckoning. **The stone is being flown in from some vault in Europe to JFK and then (via some routing) to CAK where a Brinks truck will pick it up and haul it the last few miles. (Apparently it's a cause célèbre among the sales clerks at the store wanting to get a look at a stone requiring that much security.) And then, ironically, it'll be on P2's finger when we walk out to my car with only a wimp like me for security. ***Neither of us have any use for a CSP. We only got them for the SUB. |
Originally Posted by RNE
(Post 32947715)
... Jared is the retailer...
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OT or not?
Originally Posted by mia
(Post 32948246)
If I understood correctly, your 2017 solution elegantly bypassed the credit limit issue entirely. Inasmuch as you have moved credit around to make this purchase I suppose it was a different jeweler or same program is not offered now?
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Originally Posted by drminn
(Post 32948646)
I am confused here, is this a different wife?
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Originally Posted by garykung
(Post 32946735)
Play it cool. Most likely Chase's Fraud Department is the one stopping you. So you may have to phone-in to confirm transaction anyway.
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Originally Posted by RNE
(Post 32944165)
Other cards I have are CF, CFF, CSP, CIP. Is the CFU my best choice?
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Prob. best to use an American Express card to at least get some value from this purchase. Better protections from Amex then just about any other card company right now. Make sure you have an appraisal and add it to your HO policy the day of purchasing the carbon.
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Originally Posted by mia
(Post 32948246)
If I understood correctly, your 2017 solution elegantly bypassed the credit limit issue entirely. Inasmuch as you have moved credit around to make this purchase I suppose it was a different jeweler or same program is not offered now?
Originally Posted by mia
(Post 32948677)
I think is the same wife, different stone.
Originally Posted by halamadrid
(Post 32949481)
Did you consider opening a Chase Ink Unlimited? Right now you can get 75K bonus on $7.5K spend. The CIU also gives you the same 1.5 UR back as the CFU. You can also refer from any of the Ink Cards to the CIU so if you have the CIP you can have your wife apply with your referral or vice versa if it's the other way around.
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Originally Posted by halamadrid
(Post 32949481)
Did you consider opening a Chase Ink Unlimited? Right now you can get 75K bonus on $7.5K spend. The CIU also gives you the same 1.5 UR back as the CFU. You can also refer from any of the Ink Cards to the CIU so if you have the CIP you can have your wife apply with your referral or vice versa if it's the other way around.
RNE, thanking halamadrid. P.S. Chase isn't going to cancel my card because of the self-referral, is it? |
Originally Posted by RNE
(Post 32951875)
.... $3000 CL .... I'll move $4500 CL ....
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