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Chase sapphire preferred reddit?
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Chase sapphire preferred reddit?
Chase Sapphire Preferred Application. 5x on everything, 3% on dining and drugstores. I've had the chase sapphire preferred and I went and got the united explorer card for the bonus and also for some of the benefits like priority boarding and renewing my pre-check this year so they paid for it. In particular, this policy covers losses — including physical damage and theft of the rental vehicle — valid loss-of-use charges from the rental company and reasonable. 5 points per dollar x 1. My stats are: 2 years and 11 mos of credit history, 15% credit usage, available credit of $2500, 2 credit checks, yearly income of $20000 (uni student), and a current experian credit of 734. But, to double-check, I called the number on the back of my Chase Sapphire Preferred Card (which also excludes "leases and mini leases" and "vehicles that are not rented from a rental agency"). I currently have the Freedom Unlimited, but have heard from friends and seen online that pairing the two is a great strategy. I'm debating whether to keep my gold card or keep my sapphire card. 7-10 day message can also frequently be ID or address verification which is easy and will get situation after sending in the necessary documents. (this was "broken down" by taking both of their promo deals and dividing the cash amount (750) by the point values that were given (60,000 vs 75,000) respectively). The Sapphire Preferred covers up to $10,000 per person or up to $20,000 per trip. The Chase Sapphire Preferred® Card offers generous rewards on travel and dining and a straightforward redemption program. 5 cpp, so even subsequent years could be a good value. They now have the $50 hotel credit but they probably don't want to keep the card. Is this across the board at all branches? We would like to show you a description here but the site won't allow us. The chase freedom said I was approved for a $2000 limit, which compared to my $4500 limit on my Apple Card was just ok. So I’m struggling for the “worth” of the sapphire and it’s 1% on everyday purchases. 5 cpp on any flight on any airline, where the Preferred will get you 1 The only time I use it, outside of hitting the minimum spend, is travel outside of the Chase portal and rental cars (for primary CDW). However, the speed of accumulating points is not great unless you spend all your money on dining and travel. It offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months. Hey guys, I'm planning to apply for the Chase Sapphire preferred card. It got so bad in recent years. Decent rewards, never had an AF. Uber/taxi Chase Sapphire Preferred Card gives 2x points for these categories and 25% value when redeemed through their portal. can combine points from her other Chase cards. I'm failing to see where the value of the Chase Sapphire Preferred card is at. There’s no question that the Chase Sapp. We would like to show you a description here but the site won’t allow us. I am mostly interested in the AMEX Gold card for the transferrable points to Delta, as I live in a Delta hub. The preferred is good and pairs well with the Freedom Unlimited. Pair that with that freedom unlimited and that's a great starter set up. We would like to show you a description here but the site won’t allow us. Chase Sapphire Preferred gives 60,000 points, which is $600 cash or $750 for travel. Chase Sapphire Preferred for both non-portal travel (effective 2. The Chase reconsideration line for personal cards is 888-270-2127 just in case but keep checking the application status from time to time. Once I found mention of the credit since the removal from the main landing page, it was very clear that the hotel has to be booked via the Chase travel portal in order to receive the credit You get the remaining points on the next statement. MDD - Modified Double Dip. I want to open my 1st travel card and am torn between these two, and would love to know anyone's experience with either. We recommend applying for one of the best first credit cards or best credit cards for college students if you are brand-new to credit cards. * Earn 2x on other travel purchases 2149 % variable APR. Chase Sapphire Reserve 80k or 100k referral link. Chase Sapphire Preferred for College Student. Premium cards like CSP & Amex Gold also have perks and features that may be able to justify keeping around even with lower usage levels. They submitted a request to have the annual fee waived, but he said most likely it'll be denied. It seems there are a few categories that you do most of your spend in, with the capital one bifecta (venture x and savor one) or chase trifecta ( flex/unlimited, preferred, reserve) you can pretty much maximize your spending. 15 votes, 15 comments. We would like to show you a description here but the site won't allow us. DP: Chase Sapphire Preferred 90K SUB. For example, say you spend $30,000 on your card in a year. Hello! I applied for the Chase Sapphire Preferred card in April. We would like to show you a description here but the site won't allow us. Both have pretty good SUBs right now and I've been looking for a more travel focused card since I travel about 5 times per year on flights (usually Southwest unless it's international or another airline is significantly cheaper). Each UR point you have with the sapphire preferred is 1. May 3, 2024 · The Chase Sapphire Preferred earns bonus points on travel and many everyday purchases like streaming services and dining. Here's what you should consider before applying. The Chase Sapphire Reserve® has a much higher annual fee — $550, compared with $95 for the Chase Sapphire Preferred® Card — but it offers richer rewards and more perks5. Maybe it's OK to sign up for 60K bonus now and waiting for a bonus match later, if Chase is going to offer the same SUB as last two years. 05 cents each, making these bonuses worth $1,230. Chase Sapphire Preferred SUB. Hello! I currently have a Chase Sapphire Preferred card. WalletHub editors compared Chase Freedom Flex vs Chase Sapphire Preferred. Card history: 2019 May - BoA Cash Rewards (secure card) - $500 limit. Even coming net neutral on the AF is easier for the WFAJ (less restrictive +50 on airlines) vs CSP (+50 on hotels through portal). Other: Utilization always been under 30% and as of recently has been ~4% and have never missed a payment. questiontheinterweb Log into your chase account and go to the rewards portal. Downsides being there are some hefty annual fees. So my question is, if prompted in Europe to use my pin, would Chase treat these isolated transactions as cash advancements with the various associated fees/interest rate? Chase Sapphire Preferred Downgrade and Opening New Card Bonus Still a Thing? We would like to show you a description here but the site won't allow us. 1st Financial Bank USA: $10,400 CL (2013) Discover: $4,000 CL CareCredit: $800 CL. The Reserve does save you more travel because of the 50% travel portal bonus and the higher points multipliers. Make sure you understand how you are covered, and purchase additional insurance separately if needed. You can, however, opt to transfer the points to a Chase Sapphire Preferred or Reserve and get access to higher redemptions on the Chase travel portal and/ or transfer them to travel partners. This will create a new line of credit with a sign up bonus. Sep 28, 2023 · What is the advantage of the Sapphire Preferred over the regular Chase cards? The Unlimited 1. They seemed to be pretty upfront about it. Note: I have had my Chase Freedom Unlimited card for ~3 years. Right now it's Dining, Airbnb and Away, unlikely but see if it works for you. It offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months. Is there a better chance of being approved if I apply in-branch? Will go to a big travel and definitely use above 4K. Experian: 720 (3 hard inquiries from Discover, Chase, and a denied Bilt application in March) Credit Cards: Discover IT: Approved 10/23 with CL of $2000 (now $3500) Chase Freedom Unlimited: Approved 4/24 with $500 CL. It’s dependent on your income, credit score, etc. tfsubmissions deviantart Each UR point you have with the sapphire preferred is 1. Before applying for the Chase Sapphire Preferred® Card, consider your travel preferences and habits. Not Offered Not Offered. I just got approved for a Chase Sapphire Preferred and hoping someone can clarify that best way to use this card - Which… The main selling point of the Chase Sapphire Preferred or Reserve is the 1:1 point transfer to their travel partners. Sapphire for travel purchases. Either way good to see many users getting these approvals. "The Chase Sapphire Reserve and Chase Sapphire Preferred provide primary car rental insurance for rentals in most countries, covering rentals of up to 31 consecutive days. Jun 25, 2024 · The Chase Sapphire Preferred® Card offers generous rewards on travel and dining and a straightforward redemption program. " On your next account anniversary, you'll earn bonus points equal to 10% of your total purchases since August 15, 2021. I went on my chase app last week and I saw I was pre approved for 3 credit cards, the Chase Freedom, some other card I can't remember, and the Chase Sapphire Preferred. Chase Sapphire Preferred -> I just missed out on the 100K pts intro offer. I just got approved for a Chase Sapphire Preferred and hoping someone can clarify that best way to use this card - Which… The main selling point of the Chase Sapphire Preferred or Reserve is the 1:1 point transfer to their travel partners. So I’m struggling for the “worth” of the sapphire and it’s 1% on everyday purchases. It's a travel card, which means it's used for travel and non-USD (no FTF). It has good 5x categories, especially 5% on groceries for the first year with the current sign up bonus, and all points earned can be pooled and used for travel with the Preferred's higher redemption rates Generally speaking Chase wants you to have your own card for a year before applying for one of theirs - especially a Sapphire card which is a "premium" card in their portfolio - the Freedom cards are more debatable. I was able to add the card to my Apple Wallet book the Airbnb with Apple Pay! I just had a quick question regarding my chances of getting approved for the Chase Sapphire preferred. You didn't provide us enough info to speculate at any reason you were denied. Editor’s note: This is a recurr. Not Offered Not Offered. At this point I am torn between the Southwest Rapid Rewards Plus or the Chase Sapphire Preferred. - 3x points on categories: restaurants; select streaming services; online grocery (excluding Target®, Walmart® and wholesale clubs). norse road crematorium funerals today Here's why the Sapphire Preferred will always stay in my wallet. Supposedly, they could offer the 100K in branch since June 4th, so I feel like she just wasn't being completely up front with me. But you underrate the SUB, that easily justifies the first year for anyone that can meet it. Hello! I currently have a Chase Sapphire Preferred card. 5x on everything, 3% on dining and drugstores. 5X in Skymiles when you link your Delta account to Instacart, and whatever Rakuten is paying out (3% today, which can also be 3X MR points) Award Best k8ua ago. That's a pretty desirable setup and if you're close to 5/24, probably worth prioritizing. My Sapphire card has a 7k limit, I've used it and payed it off perfectly. You can transfer the points to United, which has a lot of options to Japan, especially considering their partnership with ANA. 15X, and the CSR's is 1 Assuming spending enough on travel to get the $300 travel credit for the CSR, then the AF's for the two are 95 and 250. But if you want 3 cards to cycle between for travel, the chase trifecta is for you. Whole process took 10-15 mins. Chase UR can be more valuable if transferred to Hyatt. Best for Flexible Points: Chase Sapphire Preferred®, Best for Flexible Travel Credit: Capital One Venture Rewards Credit Card By clicking "TRY IT", I agree to receive newsletters a. The Chase Sapphire Preferred and the Chase Sapphire Reserve are two of the best travel credit cards on the market—but before you decide to apply for a Chase Sapphire card, it’s wor. 18 billing cycles 18 billing cyc. We would like to show you a description here but the site won't allow us. We would like to show you a description here but the site won’t allow us. The preferred is good and pairs well with the Freedom Unlimited. CustomerCenter /Check status call 1 888338 2586. Care Credit $2500 limit, May 2019. I can confirm that NY E-ZPass counts for 2X points from CSP. The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. 5x on Sapphire Reserve. reddit field producer jersey shore It doesn't matter in the sense of eligibility for Sapphire cards, however CL < 50% of income and velocity matter. We would like to show you a description here but the site won’t allow us. Once you get the sub bonus for Chase, your everyday spend or any purchases outside of these specific categories should probably go on the Capital One Venture since it's 2x all purchases. 169 votes, 124 comments. Attention people of personal finance- Someone posted about how if you call Chase and ask for a retention offer, you will get $150 credit on your Chase Sapphire Reserve account. We would like to show you a description here but the site won't allow us. Three obvious difference is that with the United card benefits can only be applied with United airlines while with Sapphire you can redeem benefits to multiple different airlines. It could make sense to get both to pick up both sign up bonuses. Check out our review to learn why it's one of the best-known travel cards on the market. CFU: $2,000 CL (2020) Current CC Age Oldest account age: 10yrs 5mo Average age: 6 years 2mo. 1x UR on dining (after 10% anniversary bonus) 22 After completion of the SUB requirements for the CSP, use the CFU as a catch-all card for 1. We may be compensated when you click on product. Aug 27, 2021 · To put into perspective, the sapphire preferred card gives 3x points on dining and 3x points for online groceries but charges a $95 annual fee. Worst case scenario you get the bonus and downgrade after Year 1. If you don't travel, I'd pc the Sapphire Preferred to probably the Freedom Flex. So 66,500 points round trip. travel: $200 (public transit and ride sharing) rent: $1500. We would like to show you a description here but the site won't allow us. Archived post. Warning: lengthy in-depth post to conclude that having both the Chase Freedom Unlimited and Chase Sapphire Preferred paired with the Capital One Venture X is overall a better value (benefit to cost ratio) than the Chase Sapphire Reserve alone or the Chase Sapphire Reserve paired with a Chase Freedom Unlimited. Jun 5, 2024 · The top-notch Chase Sapphire Preferred earns rewards on travel, groceries, dining and streaming services. Or check it out in the app stores TOPICS. We would like to show you a description here but the site won't allow us. Chase Sapphire Preferred Approval.
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1st Financial Bank USA: $10,400 CL (2013) Discover: $4,000 CL CareCredit: $800 CL. I have been at 5/24 for awhile so I'm really happy for this. Learn more about the card features in Forbes Advisor's review. You can use the freedom flex to get 5% on some rotating categories (also has the same 5% and 3%). Mostly daycare, restaurants (Takeout) & groceries. Each anniversary after that, you'll earn a bonus equal to 10% of your. The Chase Sapphire Preferred® Card offers valuable travel rewards and benefits for a reasonable annual fee of $95, making it an excellent choice for frequent travelers Why the Chase Sapphire Preferred® Card is better for most people. It’s an excellent choice for both frequent and aspiring travelers. The Chase Sapphire Preferred is currently offering 60,000 points after you spend $4,000 in your first three months as a new cardholder. The Preferred basically doesn't get used except for 3x streaming and 2x travel (tolls, parking etc It's a good card with good benefits, but as long as the Freedom Unlimited has a 1. It’s an excellent choice for both frequent and aspiring travelers. The way I got my chase sapphire reserve was I initially got a chase freedom card first, after a year I asked for the sapphire preferred and got instantly approved, a year later I asked to upgrade to the reserve mainly for the benefits (they will ask) i just said for travel. Chase Sapphire Preferred is a Visa card so can come in handy during international travels where Amex is not accepted. The Chase Sapphire Preferred is currently offering 60,000 points after you spend $4,000 in your first three months as a new cardholder. If the travel gods set out to design a perfect travel card, the Chase Sapphire Preferred® Card is their masterwork. Trip delay reimbursement for things like overnight lodging or meals kicks in at 12 hours with the Ink Business Preferred and the Chase Sapphire Preferred. Jul 9, 2024 · The Chase Sapphire Preferred® Card has a valuable sign-up bonus, especially for how much it costs. I saw on my Chase app's pre-approved offers today that I have the 80k UR point signup bonus (20k more than public offer) listed on the CSP. 25x for portal travel. circle rotate animation css Check out our review to learn why it's one of the best-known travel cards on the market. It's a great daily card with 4MR points per dollar on groceries and restaurants worldwide. It offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months. A subreddit for discussing credit cards. Hello! I just had a quick question regarding my chances of getting approved for the Chase Sapphire preferred. The Chase Sapphire Preferred® Card offers generous rewards on travel and dining and a straightforward redemption program. This offer is worth $1,230 based on TPG's valuations. When you're finally ready to travel to Europe, you can transfer the Amex MR. My stats are: 2 years and 11 mos of credit history, 15% credit usage, available credit of $2500, 2 credit checks, yearly income of $20000 (uni student), and a current experian credit of 734. This offer is worth $1,230 based on TPG's valuations. In this guide, we'll compare the popular travel credit cards: the Chase Sapphire Preferred card and the Alaska Airlines Signature card! We may be compensated when you click on prod. It's a travel card, which means it's used for travel and non-USD (no FTF). Eg, trip delay for csp is triggered after 12hrs or overnight. climara patch If you can reapply for one of these cards in the near future, you can downgrade your current Sapphire to another Unlimited or Flex. We would like to show you a description here but the site won't allow us. You need a Sapphire or CIP card in order to transfer points to travel partners, which is the big role my CSP fills. Learn more about the card features in Forbes Advisor's review. Wait a week and get the CSP SUB, apply in branch to get the $95 AF waived. The Chase reconsideration line for personal cards is 888-270-2127 just in case but keep checking the application status from time to time. But only if you can meet the SUB spend ($4,500 in 90 days) which seems higher than your normal spend. Review Chase Sapphire Reserve’s terms and apply online. The contents of the bag were mostly clothes, but some of these clothes were expensive. Aug 27, 2021 · To put into perspective, the sapphire preferred card gives 3x points on dining and 3x points for online groceries but charges a $95 annual fee. Didn't prequalify, but then checked my chase account preference and marketing settings and realized I had never input my income info, and had opted out of receiving offers and perks info from chase and affiliates. We would like to show you a description here but the site won’t allow us. Jun 20, 2024 · Chase Sapphire Preferred benefits include a rich sign-up bonus and flexible point redemption, as well as multiple travel transfer partners. We would like to show you a description here but the site won't allow us. With that being said, I'd get the Gold as well because the card is basically free considering the Grubhub/Uber credits and you can take advantage of Amex benefits when available (discounts, exclusive access, etc) The rewards are completely separate, as the Amazon Prime Reward Visa does not participate in the Ultimate Rewards program. The Chase Sapphire Preferred Card is one of the most popular travel rewards cards on the market for good reason. Chase doesn't have that issue, and also has a real reconsideration process, so getting the CSP after the VX shouldn. keep and share And then you can book LATAM from FLN-GRU-MIA for 29K points through Virgin Atlantic on 11/29. We would like to show you a description here but the site won't allow us. VoxBoz ago. It's lighter than the old CSR but metal. You can also transfer to Air Canada for options. The Preferred basically doesn't get used except for 3x streaming and 2x travel (tolls, parking etc It's a good card with good benefits, but as long as the Freedom Unlimited has a 1. Compare the card's benefits, drawbacks and other options in the Ultimate Rewards program. Best for Flexible Points: Chase Sapphire Preferred®, Best for Flexible Travel Credit: Capital One Venture Rewards Credit Card By clicking "TRY IT", I agree to receive newsletters a. So I would also get the Chase Freedom Flex and Freedom Unlimited and transfer points earned with those cards to your Sapphire Reserve for an effective 7. First, you can earn a signup bonus of 60,000 points when you spend $4,000 in the first three months that you have the card. Approved Data: $22,500 Credit Limit Online SUB - 75,000 Points for $4,000 spend in 3 months Data. The Chase Sapphire Preferred is a good card. Learn who should (and shouldn’t) apply for the Chase Sapphire Preferred Card, a popular travel rewards credit card with a $95 annual fee and a 75,000-point sign-up bonus. I assume we won't get better than 1. We would like to show you a description here but the site won't allow us. Which card is better, the Amex Gold Card or the Chase Sapphire Preferred card? Here's a detailed comparison of these 2 popular travel cards. Read about the Chase Sapphire Preferred® Card to understand its benefits, earning structure & welcome offer. I made a flight booking within a week of the upgrade (travel credit kicked in). There are 3 AMEX Delta offers to consider: Start a booking at delta. It's main drawbacks are lack of consistent grocery and gas. We would like to show you a description here but the site won't allow us. The Chase Sapphire Preferred is good for a moderate traveler. Definitely downgrade to Chase Freedom Unlimited or Flex instead of cancelling.
Chase 5/24 rule: 2/24. You can, however, opt to transfer the points to a Chase Sapphire Preferred or Reserve and get access to higher redemptions on the Chase travel portal and/ or transfer them to travel partners. Hi everyone, I am debating whether it is worth getting the Chase Sapphire Preferred or the Southwest Priority Card. This is just an honest comment. j crew performance dress shirt I posted a few weeks ago, thinking about switching from a Freedom Flex to an SP. Card history: 2019 May - BoA Cash Rewards (secure card) - $500 limit. Editor’s note: This is a recurr. Pros of Chase Sapphire Preferred: 60,000 bonus points. Chase Sapphire Preferred 10% Anniversary Bonus on previous year spend. Even if you exclusively use the Chase Travel Portal for the 5%, the difference at 3. I'm not a big fan of capital one but a lot of people in here like them. lakwood scoop May 3, 2024 · The Chase Sapphire Preferred earns bonus points on travel and many everyday purchases like streaming services and dining. Downsides being there are some hefty annual fees. I bought 4 tickets to Asia on my Chase sapphire preferred credit card for the end of December and would like to have one ticket refunded due to getting a job offer. I bought 4 tickets to Asia on my Chase sapphire preferred credit card for the end of December and would like to have one ticket refunded due to getting a job offer. Sapphires can be tougher for newcomers in part because the minimum credit limits are higher. We would like to show you a description here but the site won't allow us. It also comes with a $95 fee. save editor renpy The customer service is horrible and when you file a claim, they will usually try to find any excuse to reject your claim. We may be compensated when you click on product. Update: Some offers mentioned below are no longer availabl. - 10% anniversary points bonus: 10% of USD amount spent. (1-1) I understand that CSP acts as primary coverage for CDW/LDW and I must deny "Cover The Car (LDW)" when renting for it to go in effect. I'm happy to say I switched and transferred all my FF points to my SP. If not, I would probably downgrade to Chase Freedom Unlimited as it has 1.
If you value lounge access for you and possibly friends / family and you have no plans to get the VX or Amex Plat, get the CSR. There are multiple no AF cards out there that offer 3x or better on dining so it only makes sense to keep as a card beyond Year 1 for a couple reasons. Chase Sapphire Preferred vs. Capital One Venture. CSR has lounge access, CSP does not. Reply •. So I’m struggling for the “worth” of the sapphire and it’s 1% on everyday purchases. I usually took the insurance offered by the car rentals. Is platinum + sapphire preferred a better combination. 5X on non-category spending while every other travel ecosystem earns 2X. But I've got some big purchases coming up, and I thought it would make sense to leverage a welcome bonus. Looking to downgrade Chase Sapphire Reserve Hi, I'm looking to get rid of my annual fee since I haven't been able to take advantage of the CSR travel benefits and I do use any of the new benefits they have added to make up for it. For example, if you charge your CFF for $50 worth of food, you can only use PYB for 1 If you don't find value in those cards, PC or cancel. I’ll get a 10% anniversary points boost on august…. Provided you can pay the each statement balance in full before the due date. Some YouTuber called the reconsideration line because Chase decided he had too much unused credit with them. Earn 60,000 bonus points afte. Jul 9, 2024 · The Chase Sapphire Preferred® Card packs a punch for a card with a $95 annual fee, both in terms of rewards and benefits. We would like to show you a description here but the site won’t allow us. Having said that, the Chase ecosystem has its share of weaknesses, and the weaknesses are enough that I wouldn't use the Chase trifecta as my only setup. taste of brazil bakery brockton photos 05 cents each, making these bonuses worth $1,230. Jun 20, 2024 · 3. You should probably keep it alive by making at least one charge every quarter so long as you find more value in transferable UR points vs solely 1:1 cashback. I just received a notification from Chase about a change to the Sapphire Preferred's benefits. The main reason for this is so I can get the most bang for my buck when it comes to my points and traveling. Chase Sapphire Reserve is best suited for those who need a personal credit card with exceptional travel rewards and benefits. For a relatively low annual fee of $95, the card comes jam-packed with juicy. Freedom Flex is the best card to pair with CSP. 5% back on rotating categories and 2. There are other high yield accounts out there. We would like to show you a description here but the site won’t allow us. I applied on June 12th for CSP and I applied with a referral link. Now that you have Chase Sapphire Preferred, be sure to take care of these five tasks to maximize your earnings and the benefits on the card. The recommended credit score is at least 700 to qualify for the Sapphire Preferred, but it's not unheard of for someone to be approved with a lower score. Review Chase Sapphire Reserve’s terms and apply online. We may be compensated when you click on product. Also to note, the 5x points deal is only valid up to $1500. Just hit the VX SUB and am now working on 90k SUB for Amex Gold So I'm thinking I should downgrade the Preferred since I won't be using it much, if at all, in the coming year. We would like to show you a description here but the site won't allow us. flowmd medical spa Here, they're going head to head so you can decide which is better for you. This new card appears in my Chase app and appears to be fully. Right now it's Dining, Airbnb and Away, unlikely but see if it works for you. Problem is it might be the end of this year or the end of 2030 no one knows. We would like to show you a description here but the site won’t allow us. The CSP is a much, much better choice for spending. I assume we won't get better than 1. No additional sign-up or action needed. Here's why the Sapphire Preferred will always stay in my wallet. com site for valuation. In particular, this policy covers losses — including physical damage and theft of the rental vehicle — valid loss-of-use charges from the rental company and reasonable. We would like to show you a description here but the site won’t allow us.