【2018.04.25】
去年Chase曾经给部分用户发过调查，提到了他们可能在考虑限制Ultimate Rewards不同账户间的转点策略（见此文后半部分）。消息一出当然是人心惶惶，毕竟UR点数是大家的攒点主力之一。免年费Freedom/CFU+年费卡CSP/CSR的组合也一直被不管是不是博客的各种渠道在推荐。本以为Chase过了半年多了没啥动静可能是放弃这个想法了，毕竟会影响太多客户。
然而我们还是太 naive，人家其实一直就没放弃这个想法。
今天Frequent Miler收到消息（据他称是比较可靠的信息源）：Chase又在考虑取消或者限制UR点数互转了。
UR点数互转包含两个途径：
- 同一人名下的不同卡之间转点，比如Chase Freedom账户的点数转去Chase Sapphire Reserve
- 同一地址的不同持卡人账户之间点数互转，比如我把我的CSR点数转去我老婆的CSR账户
此项政策若真的实施，无疑是重大打击…FM也只说了Chase还是依旧在考虑，这都9个月了又冒头出来说明Chase岂止是“贼心不死”啊！但他们也没具体说，（就算要修改）政策会如何改变。
可能会像去年提到的那样：Freedom的点数就是只能1c用掉，无论是不是从CSR/CSP那儿兑换；点数互转只能在无年费之间或者年费卡之间；无年费卡转点年费卡要降低比例。也可能会提出目前没看到过的限制：比如无年费卡一年内最多只能转多少点去年费卡等等，最坏的情况当然是直接砍掉互转。
无论如何，我们当然不希望这个情况真的发生，但愿和之前一样“不了了之”吧。不过以防万一，现在大家可以把点数都挪到年费卡上，反正你想把Freedom/Freedom Unlimited的点数转去航司也得先挪到CSP/CSR，不如就趁现在先做了。
H/T: Frequent Miler
【2017.07.15】
引用读者群的点评：”比烂的时代”，各家都在收紧信用卡政策，现在可能又要轮到Chase了！Reddit用户msd2179在论坛上报告了他最新收到的Chase调查内容（原贴链接在此）：
Just did a Chase Customer Panel survey and saw some interesting stuff. They wanted to know how I would feel if they changed the current ability to transfer URs from any of my Chase accounts to the CSR to take advantage of the CSR’s 1.5 cpp redemption value for travel booked directly through the UR Portal. They offered a few different options for the change, including:
- “When you combine the Ultimate Rewards points on eligible Chase Cards they would retain their original redemption value – that is, when transferred the points would retain the redemption value of the product they were initially earned on. For example you would not earn a travel redemption bonus if your transfer from a no fee card to a Fee card.”
- You can only combine Ultimate Reward points between no-annual fee cards or between annual fee cards. You cannot combine Ultimate Rewards points between a no-annual fee card and an annual fee card.
- “You can combine Ultimate Rewards points on eligible Chase cards at a 3:2 conversion ratio. For example if you would like to transfer 15,000 points from your Freedom Unlimited card to your Sapphire Reserve account, your Sapphire Reserve would be credited with 10,000 points (a 3:2 ratio). The transferred points would be granted the redemption value and options of the account to which they are transferred into.”
Obviously all of these options are HUGE drawbacks because most people use the CF or CFU and then combine the points with their CSR balance for the 1.5 cpp travel redemption option.
None of these changes are confirmed, and it was just a survey, but they seem to be giving it some thought.
我再简要翻译一下：mds2179收到了Chase的一个小调查，调查中提到了Chase可能在考虑UR系列卡转点政策的改变，给出了如下选项：
- 从Freedom攒的点数在CSP/CSR上使用（UR Portal预定旅行）也只能获得1c的价值，而不是1.25c/1.5c。
- 无年费卡的点数只能转给无年费卡，年费卡的点数只能转给年费卡。
- 从无年费卡转给年费卡比例变为3:2
目前提到的内容中没有关于转点至常旅客的变化，但也说不定他们给另外的用户提出了类似的调查选项。如果Chase真的打算开始砍UR系列的转点，那UR黄金组合感觉就完蛋了…虽然目前只是一个调查，但我们依旧建议大家可以趁早把点数都先合并，以防万一。
H/T: msd2179 @ reddit，渣渣姐