A couple days ago I posted about whether I should apply for a card which was offering 100,000 bonus points. Well I applied the same day and was approved. To my surprise, I received the card yesterday. That's the fastest I've ever gotten a card delivered but then again they sent it via UPS Express. They must want to make sure customers have immediate access with the $450 annual fee. I explained in my previous post how I would negate that large fee down to only $50.
I also called Chase this morning to clarify a few questions about the annual fee. Another unexpected surprise was that an actual person answered the phone. No recordings whatsoever! I was shocked and told the lady as well. I found out that if I decided I no longer wanted the card but wanted to keep the points, I could downgrade to another card that doesn't have a fee. In addition to that, and the annual fee will be prorated and the balance of what I paid will be refunded. I think this is going to be a win/win situation after all.
With that, I just made my first purchase toward the $4k requirement to earn the bonus points 
Got the Card!
January 12th, 2017 at 04:36 pm
January 12th, 2017 at 05:25 pm 1484241920
January 14th, 2017 at 10:42 pm 1484433767