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All right, despite having lots of success with this hobby, one of my biggest fears is

applying for a new card, not getting automatically approved, then having to justify to

the bank why I need another

card. I know you ladies talk about not drawing attention to all your cards, but what do you do

or say when you're on the phone and someone is reviewing your accounts and inquiring? Y'all, this,

okay, this is another Chase issue because I think Chase is really the only bank that does

reconsider that offers reconsideration. Yeah. I hate calling reconsideration. I will be honest with you.

If I apply, here's the deal. If I apply for a card and I get denied and I'm like, you know what,

I probably don't deserve that card. I don't call. I'm just like, I'm going to take the loss because I don't

want to have to deal with an interrogation. If I truly think I was wronged by their denial,

I will call reconsideration. If it is a co-branded card, like say I'm applying for a Southwest

card or a Hyatt card or a Marriott card, and they ask me that I will say, oh, I want to start

flying Southwest more. Or, oh, I want to start staying at Hyatt's more. If you already have a Southwest

or a Hyatt card, it's going to be a little bit harder to justify why you need that card. If you,

if you have a Hyatt personal card and you were applying for a high at business card, you could say, I want to separate, I want to have a way to separate my business and personal expenses.

That is historically what I've said for the ink cards. If I have an ink cash and an ink unlimited

and I get denied for an ink preferred, I say, oh, well, I want the benefits that come with this

...