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Hi, I received offer letter from jpmc and accepted it. Today, HR told me that my offer was not processed since i had attended an interview and got offer from Mphasis for a JPMC client one year ago( which i declined later) . Could you please let me know, will it affect my current offer from JPMorgan Chase
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11/27 Check In 🙌🙌 What’s everyone up to today?
As a designer, I found this funny.
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it me when someone say “good morning”
what to do with aaron rodgers?
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Finally found THE one, after over a year of searching and trying out at least 5 different ones!
A nice comfortable office chair.
https://ergochair.co/collections/chairs/products/ergonomics-mesh-chair-w-adjustable-headrest-and-armrest?variant=32511617597491
My criteria: mesh seat and back, arms, headrest
I tried cheap ones from Amazon. Expensive, second hand gaming chairs. Tried HM Aeron (second hand) and while I didn't like the bulk and the general design, I was sold on the mesh seating. I wanted to get the ErgoChair 2 from autonomous, but it doesn't have mesh seat.
AMA.
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Why would you cancel CSR
Downgrade to no-fee card post minimum spend
And yes it is
Pay the fee then cancel next year before the next fee hits but after you've used up 2017 $300 travel credit. Instant profit
Oh and global entry
I got my card last week. Purchased my flight home on it and it was applied to that the next day.
OP that's not true. Length of an account stays on your report beyond cancellation, an account can be on your report up to 10 years after. Also, don't forget that your utilization ratio will also go up
If you're really trying to churn this card and don't want to keep it, you should apply late December, get both annual credits before and after Jan 1, then cancel within 60 days and chase will refund your annual fee. Good luck getting any more chase cards afterwards though
OP, I'd say your estimate of ratio that is relevant is too high, but good points. Ultimately, you should do what makes sense, just a lot of people on here making uninformed credit decisions. You seem to know what you're talking about though. I'd still keep the CSR, but that's because I really want it ha
But they already charged the annual fee - would they give it back when you downgrade?
I already have the CSP and I don't think it's worth 450/yr in my current situation as I don't travel weekly anymore. I just want to get my free 850 dollars (1000 cash + 300 travel credit - 450 fee)
When do they credit the 300 credits?
First travel purchase
Why don't u keep it a year? If you make any big purchases in the next year the insurance may be useful and also for travel insurance
the $300 travel credit is per year. So from now until Dec 31, 2016, you get $300. And again starting in Jan 2017, you get $300. Also why not downgrade to a card without fees such as Freedom so your credit rating isn't hurt (canceling a card quickly hurts your credit, but converting that line to another card does not affect it). Also, why not keep the CSR instead of CSP since its 3x on all dining instead of 2x ?
I have a freedom as well. And anyway the above is misleading. The decrease in my average credit account open is actually more impactful to my credit score than canceling a card after a few months...
Utilization only matters if im already above 15-20% which I'm not. With regards to staying on your account... this is true. However, if you look at the calculation all three bureaus use... its average age of credit accounts OPEN. The fact that the record itself exists does not matter.
And do they pre approve anyone? They said they'd let me know by mail..
They preapproved me but I bank with chase
I may end up keeping it who knows but this is by far the most profitable card to churn that I've seen to this point... and by far.