40,000 UA Miles, No 1st Yr Annual Fee...

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Feb 12, 2006, 5:31 pm

#76

canuck_in_pa

Join Date: Apr 2005

Location: Los Angeles, CA

Programs: AA Plat, HH Gold, SPG Gold, HH Gold, Marriott Silver, Amex Plat, GlobalEntry, SW A-List Preferred

Posts: 866

Quote:

Originally Posted by martian

So is the reason for cancelling instead of consolodating cards to keep your credit limit low? I know with Chase you can keep applying even if you already have accounts with them? Can you do this with Citi or do you have to cancel out the ones that you already have?

Cheers... :-: :-:

I saw a post a few months ago that mentioned a hard limit of 4 Citi cards to one name at any one time. Not sure if Diner's Club is included.

I have had 3 Chase (UA, CO, and Cash Plus Rewards) and 3 Citi (AA, Premier Pass, Diner's Club) cards at the same time with no problem.

I have yet to get a new card with a limit that was lower than a previous one, with the same bank. So for me combining credit limits has worked out so far. I have also done it with Amex, combining a Delta into an SPG, although it's not as straight-forward with them for some reason.

Feb 17, 2006, 6:15 pm

#77

UA Newbie

Join Date: Jan 2006

Posts: 7

Quote:

Originally Posted by jshorey

Often you can get short-term cards removed from your credit report just by contacting the score people and saying that the card was issued in error. It worked for me

I was wondering if you guys can give me the phone number or website where i can call the 'score people' to cancel my short term UA mileage card.... I just got my UA credit card about 2 months ago and i want to cancel it permanently with the 'score people' and then reapply again.. so that i wont get screwed with credit score..... thanks.. please respond wit ur experience...

Feb 19, 2006, 12:44 pm

#78

WheelsFirst

Join Date: Apr 2005

Location: SAN

Programs: AA Platinum, Bonvoy Gold, DL Gold

Posts: 1,199

I have a quick question, when you call to get them (any bank) to waive the annual fee on your card, should you call before the annual fee posts to your account, or after (to have them remove it). Or does it not matter?

Mar 5, 2006, 8:44 pm

#79

swdke

Join Date: Mar 2005

Location: DAY

Programs: AA Lifetime Gold, BA, DL, CO, UA, F9, AS, SPG, HHonors Gold, WN, Club Carlson Gold,

Posts: 1,378

At what point to you reapply? I understand you apply, get the card, buy gas, pay online, then once billed, you cancel. But at what time to you reapply? Do you reapply online as soon as you cancel the cards. Thanks. This is great information.

Mar 6, 2006, 10:27 am

#80

LGA

Join Date: Apr 2001

Location: Varies :-)

Programs: AS; AA; UA; DL; VS; BA; Nat'l Emer. Exec.; AGR

Posts: 2,250

Quote:

Originally Posted by jhflyer

Dudemon, thanks for sharing. I have a question regarding your strategy -- how big of a change is there in one's credit report/FICO score if one opens a new credit card account every 6 weeks for the 20K miles?

Thanks.

You might check out http://www.myfico.com/ for some general info on credit scoring.

For credit bureaus: Two of the largest ones are:

http://www.equifax.com/

http://www.experian.com/

http://www.transunion.com/index.jsp

The FTC has some detail here: http://ftc.gov/bcp/conline/edcams/fr...rts/index.html on how you can get your free annual credit report here: http://www.annualcreditreport.com/

Mar 6, 2006, 3:06 pm

#81

UA Newbie

Join Date: Jan 2006

Posts: 7

When you call to cancel your credit card, what do you tell the rep? I'm sure he/she knows that we are just abusing the system to get free mileage pts.... Don't they ask you any questions about mileage during cancellation? hahaah, just curiuos.. let me know.. its my 3rd month with this card now.. i think its time.. ahhahaha

Mar 13, 2006, 7:53 am

#82

swdke

Join Date: Mar 2005

Location: DAY

Programs: AA Lifetime Gold, BA, DL, CO, UA, F9, AS, SPG, HHonors Gold, WN, Club Carlson Gold,

Posts: 1,378

Quote:

Originally Posted by Dudemon

I cancel the card as soon as the miles post, usually this is when the first bill arrives.

Dudemon: At what point do you reapply? For myself, I received the card, I received the miles, and I've canceled the card. But how long should I wait to reapply? Thanks.

Mar 13, 2006, 3:56 pm

#83

ansatzjp

Join Date: Jan 2006

Posts: 221

duplicate

Last edited by ansatzjp; Jun 13, 2011 at 9:48 am

Mar 14, 2006, 7:00 pm

#84

nutster

Join Date: Aug 2005

Location: CMH

Posts: 226

Quote:

Originally Posted by UA Newbie

I wouldn't mention anything about "abusing the system" to the CSR. As the T&C clearly state, they are more than welcome to retrieving their miles from your account if you cancel within the first 6 months.

Mar 14, 2006, 7:15 pm

#85

ned

Join Date: Nov 2002

Programs: MTD pass holder

Posts: 1,142

A thread on the United board indicates that a CSR threatened to retract bonus miles when the poster tried to cancel the card after about four months. Was this just an aggressive retention CSR? Has anybody else run into this? Earlier this year I cancelled a card in well less than six months with no problem.

Mar 15, 2006, 10:47 am

#86

JiggyForMiles

Join Date: Dec 2005

Location: San Francisco Bay Area

Programs: UMP MR

Posts: 107

6 months is the min you have to keep the card now.
Chase updated their T&C's.
At least they still let you churn their cards...just not as frequently.

Mar 15, 2006, 12:28 pm

#87

ned

Join Date: Nov 2002

Programs: MTD pass holder

Posts: 1,142

Quote:

Originally Posted by JiggyForMiles

6 months is the min you have to keep the card now.
Chase updated their T&C's.
At least they still let you churn their cards...just not as frequently.

The six months has not previously been enforced. Do we know it is being enforced now?

Mar 15, 2006, 12:41 pm

#88

TTT103

Join Date: Apr 2002

Posts: 2,948

Quote:

Originally Posted by ned

The six months has not previously been enforced. Do we know it is being enforced now?

Last week I called to close one of my two accounts (it was open for five months) and was told that the bonus miles would be revoked from my account, and if the miles were no longer in my account, I would be charged for them. I don't know if all of this would actually occur or not, but I opted to wait another month before cancelling.

Mar 15, 2006, 3:01 pm

#89

UpliftingSound

Join Date: Jan 2002

Location: Asheville, NC

Posts: 54

They can't revoke miles that have already been redeemed though...

Are they offering any retention bonuses if when you cll to cancel after 6 months?

Mar 15, 2006, 4:42 pm

#90

swdke

Join Date: Mar 2005

Location: DAY

Programs: AA Lifetime Gold, BA, DL, CO, UA, F9, AS, SPG, HHonors Gold, WN, Club Carlson Gold,

Posts: 1,378

Quote:

Originally Posted by JiggyForMiles

6 months is the min you have to keep the card now.
Chase updated their T&C's.
At least they still let you churn their cards...just not as frequently.

I admit I am not up to date on all acronyms, what is T&C? And, has anyone had their mileage taken back after canceling their card in less than 6 months? I read on this board that you now have to wait 6 months, but how do you know, where does that information come from?

I canceled my card recently, and was told my mileage would be taken back. I said, "okay," not really believing them, and considered it an experiment to see if they would or not. Of course, I could be wrong, but my mileage has not yet been removed, yet.

I wonder if they really can. After all, United and Chase are two seperate businesses. One may be able to make a deposit into our Mileage Plus accounts, but they may not be able to take it out. Isn't it the same as if I had someone's checking account number, I could depost money into their bank account, but I can not make a withdrawal.

I don't know, those are just my thoughts. But what is T&C? Thanks.