Credit Cards

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My Unexpected Chase Sapphire Reserve Approval

ByTerence Chan

I have been keeping a close eye on all the action this week with the release of the Chase Sapphire Reserve credit card and in particular, it’s been interesting to see all of the data points coming through on who has and hasn’t been getting approved as a result of Chase’s 5/24 rule. Since I was currently sitting at 7/24 (e.g. 7 new credit cards opened within the past 24 months), I made sure to do my homework on how to best maximize my chances of an approval, which would include a visit to my nearest Chase bank to apply for the card as opposed to doing so online.

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Saying Goodbye To The JPMorgan Palladium Card

ByTerence Chan

It’s a process that I go through every year for each of my credit cards – the annual retention call. I throw on my most innocent sounding voice, and call the number on the back of the card. “Hello, I just noticed that the annual fee was billed and I’d like to cancel my credit card.” That sentence usually triggers a “WAIT STOP!” type of response from the customer service representative, and a couple minutes later I’m walking away with some free points or a statement credit.