So my annual fee is due on my UA MP Select card, one of the pre-merger cards. In the past I have been able to secure retention bonuses on the card due to use which in addition to the annual 5000 mile bonus made the $95 fee negligible. However this year I may have spent a total of ~$1000 on it and suspected that the retention bonus may not be forthcoming this time. So my plan was to apply the Hyatt GP card because I received a special offer for it with no first year fee plus the normal Platinum member benefits (2 nights and 2 Suite upgrades). I anticipated a recon call due to the last Chase app I had needing some adjustment of CL's (prior to this I had plenty of available credit with Chase and use less then $5k at any one time, so no big deal) I would do the recon call and do a closure of the UA card in order to secure approval for the Hyatt card. The oops comes from an instant approval and a $25k CL. I will never figure Chase out. Still deciding if I am going to just cancel the UA card our essentially "buy" the 5000 miles and retention bonus for $95.