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On an ACAT transfer, there are sweeps for interest / dividends and cost basis info that shows up later. I think it's at least 30 days until you can pull it out, 60 seems reasonable. The initial ACAT needs to settle first before you can pull it out. I wouldn't if I were you, due to all the work you went through to set up the account, unless you need to sell specific shares in the account. Possibly you could call before the sold shares settle and have them update the cost basis of what was sold (not sure if that would work, but could save you a $25 broker assist fee if it does). Multiple brokerages may be the optimal option, though I have not been able to choose specific shares to transfer out before, but you can choose FIFO or LIFO depending on your original broker. Just park the oldest stuff in USB.

All you had to do was wait 1 day and then you could have done the asset transfer online just like any other brokerage. Your account wasn't officially open until an overnight cycle.

Great job on TH-cam ♥️ merry Christmas ❤❤❤

I wish Chase would drop the AU fee on the CSR. I went with VX because of this

Getting a hotel loyalty through a portal would be great! That's my biggest gripe with portals is that I'm using a night, but not getting credit for it. I'm not sure why, but I can get status when the travel agent at work books a hotel, but I cannot when I book through a travel portal.

Chase CSP needs to match multipliers of the Citi CSP. Then CSR needs to match that and add more to justify the AF without lounges and without inflated prices and inflated 1.5 Portal Bookings. I feel like if I'm paying that high fee - I need a point-earning machine like the Gold.

Did you hear about Venture x nirfing plaza premium? because priority pass already gives? so it is not quite a nif I he

Why would u want a sapphire reserve and preferred at the same time? They over lap on like 90% of things? Am I missing something.

Really want a revamp of the WoH card. In regards to the Sapphire Reserve, not sure if they would ever make it “better”since Chase Project Emerald/Palm apparently has new products coming very soon that would stand above the Sapphire & below the JP Morgan Reserve.

Do you think there’s any chance that Chase, or any other card based portal, would implement their own loyalty program? Similar to what Expedia does? Such as stay 10 nights, you get gold status, which gets you things like free breakfast, free, parking, etc. at hotels that are willing to play along. Probably mostly smaller. Independent hotels. 🎄🤷‍♂️🤷‍♂️ Basically make your own rewards program to fit people like us who don’t travel enough to earn status with Hilton or Hyatt, but we still want something more satisfying than just Expedia or Travelocity.

I missed the 10x SUB last year for the CFF for up to $12k spend on groceries for 12 months. And I missed the unlimited double points SUB for the CFU last year. Damn, 5/24!!!!

I would love them to add a lounge in Newark and Tampa. I fly mostly out of Philly but once year I fly from Newark and that is a lounge desert.

Hoping the CSR does get better going forward!!! Thanks for the info + video!

I’d like to defend the honor of the Hyatt Business Card, it is a true business card that requires you to put spend on it to get a return out of it. The WoH consumer card is a keeper card for most people with the AF earning you a free night and it’s good for putting your Hyatt charges on. I’d like the luxury WoH card to follow the Aeroplan card’s blueprint.

If they just make a dedicated grocery multiplier, I'll be happy. I'll take even 2X. Not going to happen. Chase isn't going to change anything lol

I don’t even think it’s a wish list, I think they have to make it better or it’s going to get out classed in every way.

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Did 100k spend with Amex this year. Came out with about 600k points. Would do anything except not get a bonus to get the Amex personal gold. Did more spend with chase but still unsure who I like more.

yeah idk change the shirt doesnt look good

verifying income is mine due to IRS not having staff

Merry Christmas 🎄🎄🎄

Amex frustrations - acceptance rate still low with no improvement on the horizon, overseas transaction fees, the coupon books to justify their crazy fees, and the ultimate one - the financial review horror stories while people are mid trip

Thanks! 😊

Funny. I kept getting mailers for the Fidelity card, but never wanted to pull the trigger on it. Nice changes on it.

Good guest. Amex will release a MR consumer credit card. Maybe 2x everything $100 af. But asking waaaay to much for $0 af 4x to 6x card (the convert blue cards to MR earning idea). And lots of ppl like Amex cb cards. Esp small biz owners.

Green card with 4X gas/EV charging Would be a game changer for Amex

Great convo guys. Happy holidays!

I’m frustrated with their co branded cards too.. Hilton just announced they are devaluing their points structure again.

Good conversation from your guest.

Geography is an incredibly important factor here. Living in Manhattan without a car, gas/ev would be a useless category on any of AMEX cards. Uber is a part of life, and almost all restaurants in the city are on Resy, and you cannot avoid Dunkin. Dont eat or drink. DD, but use the credit to buy donuts for the office

Great video guys and thank you, but the Gold card and Blue Business card has my MR points balance shooting up faster than the national debt. I'm a happy customer.

Last year I had 8 actively used cards, next year I'll be down to 4. My enthusiasm is down to the Hilton Aspire and Surpass. Maybe if I had gone into expert mode, but I'd rather go the easy route with AS/AA.

I got approved for the Amex platinum yesterday but without the bonus due to pop up jail. Still except the card with out the bonus offer.

Ha I’ve always said Amex is the Apple of the cc world

10k rent day was unsustainable and loop hole too many exploited. I'm not a renter and BILT is still my go to card @ 12x dining, 4x travel, 2x catch all with Platinum status. Everything else is gravy. BILT has overtaken UR and MR as my #1 ecosystem. And with the prior CEO of Amex now the chairman at BILT, I'm all in!

I am glad you mentioned the Fidelity disaster. I am still on a 23 day hold for any funds deposited. I have tried every deposit method. I ended up paying large credit card interest. This was a pretty epic fail in communications. I worked for them for over 20 years and still cannot excuse what they did.

CSR ... got access to several Maple Leaf Lounges .... but not Montreal ???? 🙄😵‍💫🧐

Dining: Chase Sapphire Pref., Grocery: Amex Gold, Gas: Citi Custom Cash, Rent/Utilities: Bilt, Catch-all: U.S. Bank Smartly and Hotel: Hilton Surpass will be my core set up for 2025. Just farming all year, might dabble in some chase biz cards but we will see!

haircut

I’m so sick of Amex. I still have to grab the Plat sub and probably end up downgrading to the Gold for one year as I wouldn’t be able to get the points out that fast. But believe me, I wont be a long term customer and I can’t wait to be officially done with them.

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When was this supposed to happen??? We’re a week away from 2025 at this point…

How would you compare the Citi Strata Premier vs Capital One Savor? Aren't they pretty similar? Happy Holidays! 😊

Great info!!! Thanks, It is nice hearing you two bounce ideas off of and feeding on each other.

I’d be content with Bilt once the mortgage comes online and if the card became a good CFU replacement

Lani dropping 💎💎💎 Thanks for the info + livestream!

Lani is my point-stacking theme park lovin' brother!