【道听途说】Chase可能要让攒点变得更困难？

大通银行[Chase]的 Ultimate Rewards [UR] 积分系统可以说是目前最积分体系最完善，兑换价值很高的系统。关于如何兑换UR积分的完全攻略请见《关于UR的一切都在这了 —— Chase Ultimate Rewards (UR) 积分完全手册》。

UR积分系统的信用卡列表如下：

• Chase Sapphire Reserve [CSR] 吃饭旅行3 ur/dollar
• Chase Sapphire Preferred [CSP] 吃饭旅游 2 ur/dollar
• Chase Ink Preferred 最新推出的商业卡取代老的Chase Ink plus
• Chase Freedom [CF] 季度类别消费 5 ur/dollar的无年费卡
• Chase Freedom Unlimited [CFU]所有消费1.5 ur/dollar的无年费卡

只要集齐其中的大三元：CSR、CF和CFU就可以完美攒分或者小三元CSP、CF和CFU，“召唤神龙”。

目前Reddit网友mds2179收到Chase发来的这样一份调查（survey），具体英文原版内容如下：

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:

1. “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.”
2. 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.
3. “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.

翻译成中文并且概括一句话就是：Chase要大家攒点变得更困难！大三元的美好组合即将被瓦解！

Chase在调查中只是说：我们要对UR系统做一个小小的改变，想听听你们的意见。WHAT？

1. 从Chase Freedom [CF] 上攒的点数与 Chase Sapphire Reserve [CSR] 或者 Chase Sapphire Preferred [CSP] 合并，在Chase UR Portal上兑换旅行消费，将只能用出1cent的兑换比率，而不能用1.25 cent [CSP] 或者1.5 cent [CSR]的兑换比率。
2. UR点数无年费卡只能与无年费卡合并，年费卡只能与年费卡合并。
3. UR点数从无年费卡转换到年费卡比例为3:2。比如 CF的15, 000分，转到CSR只能获得10, 000分。

牧羊场点评：

1. 从恶劣程度来说，2显然比3更恶劣，但即便是3，也基本让目前Freedom/Freedom Unlimited攒点然后和CSP/CSR合并转里程的操作失去意义了。因为3：2转点，对比正常情况下里程1.6的市场价值，刚好互相抵消，当然不排除你可以兑换出大于市场价值的机票，但和现在比价值无疑大大缩水。
2. 如果你现在同时持有Freedom/Freedom Unlimited和CSP/CSR，不如尽快先合并积分到高端卡，以防万一。
3. 如果你仅持有无年费的Freedom/Freedom Unlimited并握有大把积分，那么可能要考虑申请一张CSP或者CSR来合并积分避险，当然这两张卡都是收524政策限制的…

炎夏还未过去，这个【道听途说】的消息，会不会让你感到有一点“心寒”呢？嗯……有点“心寒”。

HTT: Msd2179 @ Reddit