Last call: Who should (and shouldn't) transfer Chase points to Hyatt before Oct. 1

Time is running out if you have a Chase credit card with a transfer ratio to Hyatt that changes from 1:1 to the new 4:3 ratio on Oct. 1. Impacted cardholders include those who opened the Chase Sapphire Preferred® Card (see rates and fees) before June 15, as well as Ink Business Preferred® Credit Card (see rates and fees) cardholders.We've done some in-depth coverage on whether you should transfer points to Hyatt before the change, which is worth a read if you're really on the fence about making a speculative transfer.But if you want the short version on whether to transfer points to Hyatt before Oct. 1, here are the main things I'd consider — and what I'd do in some common situations.If you have a Chase Sapphire Reserve® (see rates and fees) or Chase Sapphire Reserve for Business℠ (see rates and fees) that is keeping the 1:1 ratio — or you plan to get one in the coming months — there's no need to make a speculative transfer. You can combine your other Chase Ultimate Rewards points into that account and use its 1:1 Hyatt transfer ratio.If you've never redeemed points with Hyatt and don't have at least a penciled-in plan to do so in the next 18 months or so, I wouldn't transfer your ...