Credit card reconsideration can work!

As my road trip is nearing completing I am looking ahead at what things I want to do upon return. One of them, of course, is get more points and miles for use in the future. I saw the largest deal ever for the Chase IHG credit card (150,000 points after spending $3,000 in 3 months) and just had to have it. Since I hadn’t applied for cards during the pandemic, I am below the 5/24 limitation on Chase cards and thought I’d be a shoo-in. Unfortunately, I was mistaken.

I’m not sure what they mean by ‘too many requests for credit’ – I don’t really have that many. So I thought it might have something to do with the cards I have access to already. Many of them have credit limits of $10,000 or higher. So, I called their ‘reconsideration line’ and asked the representative to look at my account. After three minutes he asked if I would be willing to lower my credit limit on another card to get this one approved. Of course I said “YES!” enthusiastically and was approved minutes later.

I’m psyched to get this card partly because of the points but also because it has a deal where if you get four consecutive nights using points the fourth night is free! This works in various different ways but is always available. It could be very lucrative if used at particular properties. I hope to get to one of them!

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