【2018.04.25】
去年Chase曾經給部分用戶發過調查，提到了他們可能在考慮限制Ultimate Rewards不同賬戶間的轉點策略（見此文後半部分）。消息一出當然是人心惶惶，畢竟UR點數是大家的攢點主力之一。免年費Freedom/CFU+年費卡CSP/CSR的組合也一直被不管是不是博客的各種渠道在推薦。本以為Chase過了半年多了沒啥動靜可能是放棄這個想法了，畢竟會影響太多客戶。
然而我們還是太 naive，人家其實一直就沒放棄這個想法。
今天Frequent Miler收到消息（據他稱是比較可靠的信息源）：Chase又在考慮取消或者限制UR點數互轉了。
UR點數互轉包含兩個途徑：
- 同一人名下的不同卡之間轉點，比如Chase Freedom賬戶的點數轉去Chase Sapphire Reserve
- 同一地址的不同持卡人賬戶之間點數互轉，比如我把我的CSR點數轉去我老婆的CSR賬戶
此項政策若真的實施，無疑是重大打擊…FM也只說了Chase還是依舊在考慮，這都9個月了又冒頭出來說明Chase豈止是「賊心不死」啊！但他們也沒具體說，（就算要修改）政策會如何改變。
可能會像去年提到的那樣：Freedom的點數就是只能1c用掉，無論是不是從CSR/CSP那兒兌換；點數互轉只能在無年費之間或者年費卡之間；無年費卡轉點年費卡要降低比例。也可能會提出目前沒看到過的限制：比如無年費卡一年內最多只能轉多少點去年費卡等等，最壞的情況當然是直接砍掉互轉。
無論如何，我們當然不希望這個情況真的發生，但願和之前一樣「不了了之」吧。不過以防萬一，現在大家可以把點數都挪到年費卡上，反正你想把Freedom/Freedom Unlimited的點數轉去航司也得先挪到CSP/CSR，不如就趁現在先做了。
H/T: Frequent Miler
【2017.07.15】
引用讀者群的點評：”比爛的時代”，各家都在收緊信用卡政策，現在可能又要輪到Chase了！Reddit用戶msd2179在論壇上報告了他最新收到的Chase調查內容（原貼鏈接在此）：
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.
我再簡要翻譯一下：mds2179收到了Chase的一個小調查，調查中提到了Chase可能在考慮UR系列卡轉點政策的改變，給出了如下選項：
- 從Freedom攢的點數在CSP/CSR上使用（UR Portal預定旅行）也只能獲得1c的價值，而不是1.25c/1.5c。
- 無年費卡的點數只能轉給無年費卡，年費卡的點數只能轉給年費卡。
- 從無年費卡轉給年費卡比例變為3:2
目前提到的內容中沒有關於轉點至常旅客的變化，但也說不定他們給另外的用戶提出了類似的調查選項。如果Chase真的打算開始砍UR系列的轉點，那UR黃金組合感覺就完蛋了…雖然目前只是一個調查，但我們依舊建議大家可以趁早把點數都先合併，以防萬一。
H/T: msd2179 @ reddit，渣渣姐