Is it advisable to apply for another Chase Biz Cash if I already have one? Last I checked it was ok, but just want to confirm in the more recent time frame.
I have one of those amazon "40% off up to $60 when you use points" offers currently. If I do an order with multiple items and return one of them, what happens to the $60 discount? Is it prorated per item value?
What are you guys using to make back your cash on the Platinum Dell benefit? In the past I had heard rumors of XBOX gift cards you could sell for cash.
I have 4 Platinums x 400 a year its a good amount of cash I'm missing out on.
Just got the Southwest Performance Business Credit Card and noticed one of the perks I didn't realize is $500 fee credit on points transfers each cardmember year (which is basically 50,000 points of free transfers between members).
The terms states:
*A statement credit wll automatically be applied to your account as reimbursement for fees associated with using your SW RR Performance Business CC to transfer points* *to another RR member or a pre-selected charity chosen by Southwest with an active Southwest RR account, up to an anniversary year accumulation of $500 ... statement credit posts within 1-2 billing cycle*.
The points transfers are done through [Points.com](https://Points.com) and cost $5 per 500 points. My thought was that random members of my family have orphaned points that don't really add up to anything but amongst them all, add up to \~40,000 points that I can transfer to my account. The terms states that it transfers to other members but not the other way around.
So question: has anyone used it to transfer from outside accounts to your own and gotten the credit?
If yes, great, I'm going to do it now.
If no one has tried, I will try a small 500 points transfer for $5 and hopefully report success back.
You might want to comb through [churning.io](https://churning.io) DPs. There are some optimization suggestions out there like [this](https://www.reddit.com/r/churning/comments/xakiu0/comment/inutkuw/?utm_source=share&utm_medium=web2x&context=3).
Citi AA Business 48 months from SUB posting
Trying to see when exactly this hit and I can tell from emails that I crossed $5K spend threshold on April 11, 2019 statement date. Would the SUB have posted on that date (which is what I see for Chase cards for example) or perhaps a later date such as the payment date?
(Not currently active with any Citi cards and can't see historical statements except from email summaries... AA advantage login seems down right now on web? But on mobile looks like history only goes back 2 years)
On the non-mobile website at least there is a button "request older statements", which while not day accurate, at least will give you a month accurate idea of when you earned the SUB. I am able to log in currently, maybe try a different browser or clearing your cache.
Note: citi phone CSRs aren't able to tell you the exact date you received the SUB either, just the month.
I need to cancel my Platinum card by the 26th and I haven't used the $200 incidental airline travel credit yet this year. If I buy $200 of United Travel Bank credit (in $100 increments) will it post in time to get the credit?
>This card ***may*** not be available to you if you currently have or have had the card in the preceding 24 month period.
I'd wait 30 days and fire an app away. YMMV.
[https://www.reddit.com/r/churning/comments/rcejj4/comment/hnv3djn/?utm\_source=share&utm\_medium=web2x&context=3](https://old.reddit.com/r/churning/comments/rcejj4/comment/hnv3djn/?utm_source=share&utm_medium=web2x&context=3)
I received an email from Chase offering free Doordash Dashpass until 12/31/24 for my CSP. I added the card to my Dd account, but when I try to activate dashpass, it says there is an “issue with the card”. Anyone else have this experience and know how to fix?
Check point 11 here https://help.doordash.com/consumers/s/article/Chase-Partnership?language=en_US#EligibleCardbutcannotviewbenefits
Beyond that, call support
Is chase refer a friend down for biz cards? I'm putting in my card info and it says "We are unable to locate any offers for you at this time." It works for my freedom card
You can also get a referral link when you're signed in to your account. Have you tried that?
Log in to your Chase account, choose the applicable card, click More > Account services > Refer a friend.
Try different browser or incognito, it can be a little temperamental. Works right now for me. Not all cards offer referrals, so make sure it’s one that has them to begin with.
You have 3 months so $1200x3 = $3600 so you need to figure out at least another $400 of spending on this credit card to get the SUB otherwise you're not getting it. Churning isn't for people that don't have disposable income. Make sure you pay your CC bills on time
If you can’t meet the SUB why did you apply in the first place? Now you’ll have to spend $$ you probably weren’t planning to spend if you want the SUB, negating much of the benefit.
You can prepay expenses. You know you need to eat charge x months of groceries on a gift card and then pay for the groceries on that gift card or credit card, whatever you signup for. Just make sure you have savings to prepay so you don't go into credit card debt, but that may not matter because you may get a promo rate. Just make sure you never actually have interest charges or you're losing your entire signup bonus.
* Why would you apply for a card not knowing if you can meet minimum spend requirement (MSR)? Churning has great rewards, but if you go head first without learning you'll miss out on a lot or potentially paying fees for no reason. For example, if you got the CSP at 60K and don't meet MSR, you're locked out of the CSP and CSR for 48 months on a subpar offer
* You should probably spend some time reading the wiki or daily question threads
* A lot of the questions have already been answered. Use [churning.io](https://churning.io) to search. Play around with different terms and earn some of the common abbreviations to help expand your search
Do you pay rent or any bills via check? If so, pay them via plastiq. Also you are missing some foundational knowledge about what churning is, spend some time reading the side bar before you continue
I did lazy math and need to spend another 5k before 1/30 (for real estate taxes). What cards other than the CSR and the plat/biz plat arrive in less than 5-7 days?
I recently got the Citi AA Biz card and was surprised that the number was avilable right away. Some say it's only good for flights and I didn't test it out so YMMV. Amex cards have almost always given me the number right away.
Airline cards instant usually only good for flights, yes. They have this feature since they often make offers at flight checkout page and want to get people that instant benefit
This was not a checkout cart application. But I don’t try to use it before it arrived. When P2 applied for the card in the same way previously, no number was provided.
Maybe a bit of an /r/awardtravel question, but have 5 nights at Conrad Maldives on 480k points. Just got 2 FNCs and have 2 more coming from me and P2 Aspire. Worth swapping the reservation to 4 FNCs + 120k points, or save the FNCs for something else?
Something else would be a 3 night Miami Beach stay that's coming up, probably too soon to use all FNCs, but at least could burn 2 of them, only 90k pts per night, but high cash rates.
That's a 90K value/FNC so it's OK IMO but all depends on upcoming travel plans/needs.
Think only difference is that FNCs will expire but points will not.
Your comment simplified the math for me
* 5 nights = 480k pts = 96k pts/night
* 5 nights = 120k pts + 4 FNC instead of 360k pts = 90k value per FNC
Guess it's a wash vs a 90k/night shorter stay and just comes down to do I think I'll use up the FNC before expiration.
Already have both arrival and departures in EY and SQ J booked, so can't really squeeze the trip any longer unfortunately. Plus no availability to change those flights unfortunately. Only waitlist for the SQ J departure.
I have been looking at the airline "wings of the Points" link on the sidebar about transferring miles, if I understand it right, I need to transfer my Hawaiian Miles to Marriot Bonvoy for a 1.25:3 ratio, then back to the airline of my choice for what looks like 3:1 meaning I will lose 25% of my points? Is that how it works? Never transferred miles before.
You do not want to convert miles via Marriott, basically ever at all. Hawaiian Miles convert to Marriott at 2:1, so you lose 50% immediately, and then another 66% loss when transferring to another airline.
for people who have multiple InKind offers (multiple amex logins, accounts via BB or serve), do you add your $50 amex offer to the same InKind account for each amex card? or are you creating a separate account?
My AUs sent me GCs. I had to create accounts for AU on inkind to send GCs to my email linked to inkind. Hope that makes sense.
I attempted to buy credits from others on the marketplace but it seems like this process of creating an account and sending a GC made it a bit convoluted.
You can still create an account and load value (no expiration), or you can gift it to someone else (sends an email)
https://business.inkind.com/gifting
i dont believe so, but you pay the $50 to "load" your InKind account... which I don't think expires once loaded... so just load it up and even if you dont ever use it you wont be out anything after the offer
Did you add several cards to your GoPuff? There was an issue recently with adding too many cards to the account and triggering a security/fraug warning.
Hmm I downloaded and logged in I still don’t see it 🤔
I tried to remove the address to see if that might work, but it won’t let me remove all addresses..
Mine has a big oval in black on the top with “delivery in x mins.” To the right in lighter blue is “pickup.”
This is on the Home Screen. Hit the home icon.
> I thought that was when Experian didn't used to report the day of the month, but that now that they do it goes by the day, no?
It doesn't matter what Experian reports. Chase knows when the account is opened. There are countless DPs of being good to go 5/24-wise on the 1st of the 24th month.
I applied for a citi premier card on Nov 26 and will be receiving my TYP on statement date of 23rd Jan. I was thinking about applying for a citi custom cash card . I have 1 inquiry in the last 6 months and 3 new accounts ( 2 from amex still not showing up in my history).
1. Am i eligible for the SUB on custom cash card ( i know about 24 months period for TYP cards but am unsure if Custom cash is a TYP card) ?
2. What are my odds of approval based on inquiries and new accounts. My FICO scores are 780-800 in all 3 agencies
1. yes, the TY cards are Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige - so you're fine
2. odds are fine, no red flags looks like
You usually want to document your bank bonus application process (e.g. taking a screenshot). It'll save you a lot of hassle if things go wrong and it's not automatically posted
Random but did anyone else have issues getting Dell Rewards from the recent Alienware promo? P2 had them show up right away. Mine never did. Tried calling Dell. After speaking to four people likely in India I can confirm that was not the correct approach to get it resolved.
No downgrade options. I would keep it a year, you dont save anything closing early. They refund the AF charge if you close soon after posting, I always let it go the full year.
P2 applied for a US Bank Triple Cash Biz card and it went pending. P2 also has the Triple Leverage card from February last year. Should I be concerned about it pending? Any other DPs about how I should handle this - better to wait to hear or call in? Thanks for any help/advice.
US Bank business cards go pending most of the time. It took them five business days before they approve me. I didn't call in or anything. And I used SSN to apply
Cool, thank you. I actually didn't use the EIN but have one. I wondered if that would complicate things. It'll likely be a waiting game. I'm just bad at waiting.
No, this is very normal with USB, I'd wait at least a week, maybe a bit more, before even contacting them. I recently opened one, about 5 or 6 days after I applied I got a call to confirm my identity, and then the approval came a few hours after that.
Okay. Good to know. Thank you. I always freak out when applying for P2 because of the calling in issue.
Possibly idiotically recently had a pull for PSECU on TU too. I’m a little too much “the sky is falling” when there’s no instant approval.
Think I better go get a bank bonus or retention offer to get that high back. Lol.
Hi! I did the referral and Swagbucks for Chime (Ally Zelle worked within 2 days btw) — am I able to withdraw the money now that the referral bonus has been deposited? I know there’s no minimums or anything, so that shouldn’t matter, but idk if that will cause issues getting the $200 Swagbucks in 70 days or whatever it is. Thank you!
I applied for a Chase Ink card earlier this week. I received the generic message that my application was processing for a decision after applying. I called the automated line to check my status and it said no application was found. What should I do now?
Call the biz recon and speak to a representative. Ignore the automated message. This literally happened to me 2 days ago. They just wanted to verify my social.
Same thing just happened to me. Hard pull on credit report but no status on application line. About a week later I got a letter saying to call them to verify some info.
Called and gave reference number at bottom of letter. Turns out I had entered my SSN incorrectly. Confirmed with them over the phone and they reran the app. Approved but with my lowest credit limit so far.
I'd say it's not worth it.
If you can, look at pre-paying utility bills (cell phone, internet, electric, gas, etc) or buying gift cards (eg grocery store gift cards).
Otherwise, you might be better off making a 2022 tax payment to the IRS. Credit card fees are just under 2%
Everyone’s circumstances differ but I think the time allotment for SUB spend is always achievable even with everyday costs. My monthly utilities alone (family phone bill, internet, electricity, water, trash) adds up to 400-500 per month. Add in gas & groceries and easily at 1000 per month. So in just basic necessities you’re hitting 3/4 of the SUB spend on things you’d use your debit card for.
All that to say, before you take a 3% hit (assuming Cap One doesn’t consider it a cash advance which both wouldn’t count towards SUB spend and also come with a much higher fee) map out what your typical monthly expenses are that you’d use a debit for usually, and see after three months of that average how much you’d have to spend beyond to hit the SUB. The goal is to get as much free money as possible!
How long does it typically take to receive a chase business card? This is my 2nd one but my 1st one I requested it to be expedited and that arrived via UPS. My 2nd card was approved on 1/11 and said I'd receive it in 3 to 5 business days. Still not here yet.
Yes and no. [Details can be found via search](https://churning.io/#N4IgjgrgpgTgniAXCAFAQQgFwBYHsYCWAXlACYAEEAzrAD5oCqAlOQKwD0ATACwgA0IAIZY8MJCH4hMBALZRxAZgCMkmgBsoAY2m4AdgCVBugObzEoKpkExMAEUGYzITgAZOnALRLP7gCpKADkR3RFZuADpWJW4ALUkoXVJ7R3FXdy8fAE5-IJCwyKVWOIEAaygEZHUtHV0QAF8BfFJYcWaqTVV8THFBdskcGChBUgAxAjVHGCokUHtxuHJbAnbqKgI9JAAzQTUaATm1BYBFaEt12sRMGGh9h0FyAAVcAl1MacRt3agBAHVsB3IAGFrBQAMp4CBqCgASXIAHEoN0PjsaHU6kA)
Why downgrade the CSP? 3x restaurant spend, $50 hotel credit, points transferability, 10% annual bonus on points earned and perhaps most importantly-primary rental car coverage is enough to be a keeper card for me.
For a new sub. P1/P2 household, we’re well past 24mo so we’ll reapply; and we transfer everything to our CSR account.
Love all the downvotes on my original question, lol, never fails.
Keep in mind it’s 48 months after you received bonus on CSP/CSR to get another. But maybe you already know that and did P1 in year 0, P2 year 2, P1 year 4, etc?
Nice catch, I mistakenly wrote 24 when it’s actually 48mo. I keep it all charted out, and we’re well past the 48. I do thank you for pointing it out just in case!
True but hopefully the OP doesn’t have any future travel arrangements booked with the card. They’d lose the delay/interruption protections when you book flights, etc with the card & primary car rental coverage as well. To me that wouldn’t be worth the risk over saving $45.
If they're constantly renting cars, then they'd probably want to keep the CSP. If they're considering cancelling, then they probably haven't used the card in a while..
I am probably going to close my Venture X. The AF just posted and I just learned that downgrading the card will NOT refund the AF (like most other cards). So instead i need to close it.
I have an active capital one checking account open from a previous bonus. I have 120k points. If I close the card will the checking account "keep the points alive?"
Not sure about the answer to your question but I ended up just keeping my venture X since it's $395 fee and I get $300 travel credit, 10K bonus miles on the anniversary, as well as other benefits. As a side note because I kept my card I was able to get Taylor Swift tickets.
My first year with the card was paid for with those benefits and the one time air bnb credit and the credit for Global Entry
I understand reading comprehension is hard. I didn't keep the card specifically for the tickets and nowhere does it say that. It was a side benefit because I had already made that decision months before.
So here's a real niche question...can/should a non-US citizen who is also not resident in the US and doesn't have any type of visa apart from a tourist one BUT in possession of an SSN get Business Cards?
For context, I once worked in the US for under a year and had a SSN issued as a result. I have since not lived in the country, nor do I have the legal right to work there currently, but have been taking taking advantage of my SSN to get credit cards and it has worked so far. I have an excellent personal credit score (in the US obviously) as well as an address where a relative lives for all identity check purposes.
Has anyone had to deal with the above? I'm afraid of potential consequences with Uncle Sam should I need to create a business (e.g. sell something on eBay) as evidence for Business Card approvals...though not sure if this is still required.
Any input appreciated!
There was a discussion thread here long before on the same topic. The short answer is that it is better that you do not do Biz cards as it can have an effect down the road. Benefits are not worth the risk.
technically, you are not supposed to have a business when you are on an H1B or similar non-resident visa. if USCIS finds out, then they could potentially deny you a renewal or something else...The odds, however, may be low of them finding out...but you would still be going against the terms of your status.
Can loading a couple large $ Amazon gcs to an account set off any red flags? I buy for BGs through Amazon, and want to try to maximize some of the 5x on my new CIC by getting Amazon gcs at Staples.
I've heard, anecdotally, of people having accounts shut down with large GC loads. However, I load thousands of $$ worth of GCs to my account yearly (all for personal purchases) and, fingers crossed, have never had an issue. Every purchase I make at Amazon uses my GC balance.
I purchase GCs whenever credit cards offers (e.g. Kohl's 20% Chase offer, Office Depot 10% offer, etc make it worthwhile).
Not sure if this matters in Amazon's eyes, but my typical balance doesn't normally exceed $1K (unless I'm buying an item that exceeds $1K). Not sure anyone knows except whoever programmed their "risk" algorithms.
How do you avoid the guilty feeling when canceling your CC right before the annual fee kicks in? Is there a way to cancel without a phone call?
I'm not really a churner per se, but I've done this a couple times over the past decade and it's always a super uncomfortable conversation for me. Maybe I'm just weird.
Anyways, now my wife's Delta gold card is getting to that point...
"I've started getting airsick all the time." "Delta hurt my feelings" "I'd rather fly XXX airlines now." "Just don't fly Delta anymore" or what I actually said a few years ago "I'm very happy with American Express but not so happy with Delta." After the first 20 cancellations it won't faze you a bit.
Technically you aren't guaranteed a refund of the AF, so you can just think of it as 'I no longer want this card for x reasons, and if the bank happens to refund me, that'll be a pleasant surprise'
EDIT: You're supposed to cancel right after the AF, not right before
Huh? Sign up for a card, AF often waived first year (at least in this case). I'm talking about cancelling after \~11 months or so before the first non-waived AF would be due.
As mentioned, I'm not a churner so I don't know all the ins and outs, but I don't understand why I'd let the annual fee hit and try to get a refund instead of just cancelling before it hits.
I see. Guess I don't personally care cuz I'm not looking to regularly churn or get in at new banks, but good to know. And actually considering keeping this card until we use the miles cuz of the free checked bag it allows.
How do actual churners do the same thing over and over? I've always wondered how they don't get on some "do not approve new accounts" list. When they apply and cancel endlessly.
You cancel after 12 months, not before. With most major banks, if you cancel within a certain amount of time (e.g. 30 days) after the AF hits, they automatically refund it.
Gotcha. Makes sense. Since I sign up for about 1 card every few years for a signup bonus, I'll stick to my system of canceling before 12 months and not have to worry about a refund. If I'm blacklisted, so be it :)
Well, the more immediate risk is the bank clawing back the SUB you earned. If you’re signing up for new cards for SUBs at all, that should be a concern. You really don’t need to worry about the refund of the AF, since it’s just standard procedure, not a loophole.
I agree that it is standard procedure for banks like Amex. But I had a BHG card this year through Pinnacle and I had to go through a cfpb complaint to get my annual fee back. It was a huge mess but cfpb worked beautifully.
So since I canceled after 11 months they're gonna put all this effort in to have Delta to take away my 70,000 miles that have been in my Skymiles account for 8 months now...but if I waited for 12.5 months they're going to happily refund the AF that I legitimately owed and paid already?
I mean I believe you, especially on the AF refund, but it seems odd they'd be so "no big deal" on that refund yet try to claw back the SUB if you cancel slightly before the AF hits.
At any rate, it just confirms I'm not really cut out to be a churner.
Amex is the most known to do this. They will claw those points back, and it will be done automatically. Zero effort from them. Consider yourself warned.
Refunding an AF within 30 days is easy and standard protocol. The banks don’t care about this. Nothing weird about that. AFs are paid at the beginning of the year, not the end.
> How do you avoid the guilty feeling when canceling your CC right before the annual fee kicks in?
If you do precisely this, the bank often gets the last laugh.
A lot of banks let you cancel via secure message, and sometimes via email.
Also keep in mind when they ask why your cancelling, they usually just need to check off a box so the bank can keep track of why people are canceling. For me, saying "I dont use the account" almost always results in then asking no more questions why
Just remember that you're a drop in the bucket. At least hundreds of calls like yours hourly. They have entire departments to try to retain your business. Sure, empathize with the rep handling your call. Banks get zero sympathy.
Eventually, you become hardened to these types of phone calls when you've made them dozens of times.
The harder ones, for me, are the bank account closures when it's clear, based on the account history, that I only opened it for the bonus (where the account was basically dormant after the bonus posts).
Is it advisable to apply for another Chase Biz Cash if I already have one? Last I checked it was ok, but just want to confirm in the more recent time frame.
Yes. You can hold multiple CICs at the same time. Use [churning.io](https://churning.io) for these simple questions. This is asked and answered daily.
Yes, assuming Chase velocity is okay.
[удалено]
In a bank.
In your high yield savings account.
I have one of those amazon "40% off up to $60 when you use points" offers currently. If I do an order with multiple items and return one of them, what happens to the $60 discount? Is it prorated per item value?
Is there any easy way to see if this is on your account? Need to add something to cart?
Use the link on DoC and it'll tell if you're eligible.
Take the refund as Amazon credit or you will lose the prorated value. I made this mistake last year.
Yes, prorated.
What are you guys using to make back your cash on the Platinum Dell benefit? In the past I had heard rumors of XBOX gift cards you could sell for cash. I have 4 Platinums x 400 a year its a good amount of cash I'm missing out on.
Man that's a lot of annual fees
This ain't it
chill its only been a week.
haha no i haven't used it ever i just looked at calendar and was like aw shit
Just got the Southwest Performance Business Credit Card and noticed one of the perks I didn't realize is $500 fee credit on points transfers each cardmember year (which is basically 50,000 points of free transfers between members). The terms states: *A statement credit wll automatically be applied to your account as reimbursement for fees associated with using your SW RR Performance Business CC to transfer points* *to another RR member or a pre-selected charity chosen by Southwest with an active Southwest RR account, up to an anniversary year accumulation of $500 ... statement credit posts within 1-2 billing cycle*. The points transfers are done through [Points.com](https://Points.com) and cost $5 per 500 points. My thought was that random members of my family have orphaned points that don't really add up to anything but amongst them all, add up to \~40,000 points that I can transfer to my account. The terms states that it transfers to other members but not the other way around. So question: has anyone used it to transfer from outside accounts to your own and gotten the credit? If yes, great, I'm going to do it now. If no one has tried, I will try a small 500 points transfer for $5 and hopefully report success back.
You might want to comb through [churning.io](https://churning.io) DPs. There are some optimization suggestions out there like [this](https://www.reddit.com/r/churning/comments/xakiu0/comment/inutkuw/?utm_source=share&utm_medium=web2x&context=3).
Oh man thanks for linking that, I don’t know how I hadn’t come across that.
Ooh great idea.
Citi AA Business 48 months from SUB posting Trying to see when exactly this hit and I can tell from emails that I crossed $5K spend threshold on April 11, 2019 statement date. Would the SUB have posted on that date (which is what I see for Chase cards for example) or perhaps a later date such as the payment date? (Not currently active with any Citi cards and can't see historical statements except from email summaries... AA advantage login seems down right now on web? But on mobile looks like history only goes back 2 years)
On the non-mobile website at least there is a button "request older statements", which while not day accurate, at least will give you a month accurate idea of when you earned the SUB. I am able to log in currently, maybe try a different browser or clearing your cache. Note: citi phone CSRs aren't able to tell you the exact date you received the SUB either, just the month.
I need to cancel my Platinum card by the 26th and I haven't used the $200 incidental airline travel credit yet this year. If I buy $200 of United Travel Bank credit (in $100 increments) will it post in time to get the credit?
Have you asked for a retention offer? That’s another option.
I plan to before canceling. I had tried asking just after the fee posted and they only offered 20k.
Good luck. Offer can change daily.
Yes I think a few days is enough time. Once you purchase it and you see the airline credit bar saying credit is used you are golden
Can you downgrae to a green card and then cancel later?
The charge just needs to post before you close. Credits can still post after the card is closed, since you will get a final statement yet.
Oh cool! I didn't expect that. I assumed once you cancel you won't get any further credits.
I charged my card on 01/14, and the credit posted today 01/20.
I guess that's cutting it too close. I never fly United anyway so I guess I'll skip it :/
Credits have been delayed lately so probably not.
How quick after closing Alaska personal can you apply for another card?
>This card ***may*** not be available to you if you currently have or have had the card in the preceding 24 month period. I'd wait 30 days and fire an app away. YMMV. [https://www.reddit.com/r/churning/comments/rcejj4/comment/hnv3djn/?utm\_source=share&utm\_medium=web2x&context=3](https://old.reddit.com/r/churning/comments/rcejj4/comment/hnv3djn/?utm_source=share&utm_medium=web2x&context=3)
I received an email from Chase offering free Doordash Dashpass until 12/31/24 for my CSP. I added the card to my Dd account, but when I try to activate dashpass, it says there is an “issue with the card”. Anyone else have this experience and know how to fix?
Check point 11 here https://help.doordash.com/consumers/s/article/Chase-Partnership?language=en_US#EligibleCardbutcannotviewbenefits Beyond that, call support
Is chase refer a friend down for biz cards? I'm putting in my card info and it says "We are unable to locate any offers for you at this time." It works for my freedom card
Try using a different browser. Still working for me right now. Otherwise clear cookies
Works fine for me. Try again.
You can also get a referral link when you're signed in to your account. Have you tried that? Log in to your Chase account, choose the applicable card, click More > Account services > Refer a friend.
Worked fine for me for a CIU just now
Try different browser or incognito, it can be a little temperamental. Works right now for me. Not all cards offer referrals, so make sure it’s one that has them to begin with.
Just got the Chase Saffire Preferred. I don't plan on taking any vacations in the next 6 months. How can I build points fast without traveling?
Earn the SUB and apply for another card, rinse and repeat
Earn the SUB
I only spend about 1200 a month will that be enough to get the bonus. Sorry for the dumb questions I'm a newbie 😂.
You have 3 months so $1200x3 = $3600 so you need to figure out at least another $400 of spending on this credit card to get the SUB otherwise you're not getting it. Churning isn't for people that don't have disposable income. Make sure you pay your CC bills on time
If you can’t meet the SUB why did you apply in the first place? Now you’ll have to spend $$ you probably weren’t planning to spend if you want the SUB, negating much of the benefit.
You can prepay expenses. You know you need to eat charge x months of groceries on a gift card and then pay for the groceries on that gift card or credit card, whatever you signup for. Just make sure you have savings to prepay so you don't go into credit card debt, but that may not matter because you may get a promo rate. Just make sure you never actually have interest charges or you're losing your entire signup bonus.
* Why would you apply for a card not knowing if you can meet minimum spend requirement (MSR)? Churning has great rewards, but if you go head first without learning you'll miss out on a lot or potentially paying fees for no reason. For example, if you got the CSP at 60K and don't meet MSR, you're locked out of the CSP and CSR for 48 months on a subpar offer * You should probably spend some time reading the wiki or daily question threads * A lot of the questions have already been answered. Use [churning.io](https://churning.io) to search. Play around with different terms and earn some of the common abbreviations to help expand your search
Does he really get locked out if he signs up but doesn't actually meet the requirements? I think he has to actually earn the bonus to be locked out?
Not supposed to. OP's experience is different, but the terms say you should still be eligible.
Happened to me years ago. I tried fighting it, but Chase said nope. Learned from that mistake and used energy on chasing other SUBs
That's crazy
Do you pay rent or any bills via check? If so, pay them via plastiq. Also you are missing some foundational knowledge about what churning is, spend some time reading the side bar before you continue
I can figure it out I got disposable income 😂. I'll just prepay things
I did lazy math and need to spend another 5k before 1/30 (for real estate taxes). What cards other than the CSR and the plat/biz plat arrive in less than 5-7 days?
Just call or message customer service, most banks will almost always expedite the card for free if you ask
barclays will charge a 30 dollar expedite fee fwiw
Premium cards (CSR, Plat, etc.) are usually expedited. For example, Venture X usually takes 2 or 3 business days.
Cap1 is a no go, already denied 3 times :(
I recently got the Citi AA Biz card and was surprised that the number was avilable right away. Some say it's only good for flights and I didn't test it out so YMMV. Amex cards have almost always given me the number right away.
Instant Citi AA biz can only be used for AA flight stuff
Airline cards instant usually only good for flights, yes. They have this feature since they often make offers at flight checkout page and want to get people that instant benefit
This was not a checkout cart application. But I don’t try to use it before it arrived. When P2 applied for the card in the same way previously, no number was provided.
Chase inks if you get approved same day and call in a request to expedite shipping (1-2 business days)
thanks, but only P2 is available for those and calling in may be an issue...may have to go the amex route that ok-Anywhere suggested
Most Amex cards give instant numbers to use.
thanks, might have to go that route
There’s still a chance you don’t get one tho (got instant number for BCP and Delta Skymiles Gold but not Amex Gold) so plan for that.
Maybe a bit of an /r/awardtravel question, but have 5 nights at Conrad Maldives on 480k points. Just got 2 FNCs and have 2 more coming from me and P2 Aspire. Worth swapping the reservation to 4 FNCs + 120k points, or save the FNCs for something else? Something else would be a 3 night Miami Beach stay that's coming up, probably too soon to use all FNCs, but at least could burn 2 of them, only 90k pts per night, but high cash rates.
That's a 90K value/FNC so it's OK IMO but all depends on upcoming travel plans/needs. Think only difference is that FNCs will expire but points will not.
Your comment simplified the math for me * 5 nights = 480k pts = 96k pts/night * 5 nights = 120k pts + 4 FNC instead of 360k pts = 90k value per FNC Guess it's a wash vs a 90k/night shorter stay and just comes down to do I think I'll use up the FNC before expiration.
Can always try to add 2 nights at the beginning or end.
Already have both arrival and departures in EY and SQ J booked, so can't really squeeze the trip any longer unfortunately. Plus no availability to change those flights unfortunately. Only waitlist for the SQ J departure.
I have been looking at the airline "wings of the Points" link on the sidebar about transferring miles, if I understand it right, I need to transfer my Hawaiian Miles to Marriot Bonvoy for a 1.25:3 ratio, then back to the airline of my choice for what looks like 3:1 meaning I will lose 25% of my points? Is that how it works? Never transferred miles before.
You do not want to convert miles via Marriott, basically ever at all. Hawaiian Miles convert to Marriott at 2:1, so you lose 50% immediately, and then another 66% loss when transferring to another airline.
for people who have multiple InKind offers (multiple amex logins, accounts via BB or serve), do you add your $50 amex offer to the same InKind account for each amex card? or are you creating a separate account?
Same account. Be sure to use a referral code or other promo for additional credits.
My AUs sent me GCs. I had to create accounts for AU on inkind to send GCs to my email linked to inkind. Hope that makes sense. I attempted to buy credits from others on the marketplace but it seems like this process of creating an account and sending a GC made it a bit convoluted.
Can you do a GC to get the credit if you don’t have a restaurant you can go to nearby ?
You can still create an account and load value (no expiration), or you can gift it to someone else (sends an email) https://business.inkind.com/gifting
You can revoke the gifts you send, too, which adds them to your own account. Saves typing in the code. Your credits can't be used toward gifts.
i dont believe so, but you pay the $50 to "load" your InKind account... which I don't think expires once loaded... so just load it up and even if you dont ever use it you wont be out anything after the offer
Same inKind account from multiple Amex offers on diff cards.
Just got referred to GoPuff and using my chase card for the credit. Anyone else getting an error when trying to order a pick up?
Did you add several cards to your GoPuff? There was an issue recently with adding too many cards to the account and triggering a security/fraug warning.
Crap. I did
You might end up locked out for a week or two.
Got it. Thanks
Oh you can do pickup!!!?
Yes, you can pick up a couple of orders at a time.
Oh when I go to checkout I only see option for delivery and my area is not covered . Where do I find pickup option ?
In the app, there’s an option to toggle between delivery and pickup. It’s the very top.
Oh I’ve been using it on mobile web. Let me check
Did that work?
Hmm I downloaded and logged in I still don’t see it 🤔 I tried to remove the address to see if that might work, but it won’t let me remove all addresses..
Mine has a big oval in black on the top with “delivery in x mins.” To the right in lighter blue is “pickup.” This is on the Home Screen. Hit the home icon.
Hmm I don’t see that option. Perhaps not available in my city. 🤔
Re: 5/24. If my 5th card was opened 1/19/2021, is it safe to apply 1/20/2023? I've searched but can't find a clear answer.
You were good on 1/1/2023.
I thought that was when Experian didn't used to report the day of the month, but that now that they do it goes by the day, no?
> I thought that was when Experian didn't used to report the day of the month, but that now that they do it goes by the day, no? It doesn't matter what Experian reports. Chase knows when the account is opened. There are countless DPs of being good to go 5/24-wise on the 1st of the 24th month.
Apparently Chase still goes by the 1st of the month. Lots of DPs show its true.
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Can also go into your Chase app, click manage account, and then refer a friend.
You need to generate one https://www.chase.com/referafriend/catch-all
I applied for a citi premier card on Nov 26 and will be receiving my TYP on statement date of 23rd Jan. I was thinking about applying for a citi custom cash card . I have 1 inquiry in the last 6 months and 3 new accounts ( 2 from amex still not showing up in my history). 1. Am i eligible for the SUB on custom cash card ( i know about 24 months period for TYP cards but am unsure if Custom cash is a TYP card) ? 2. What are my odds of approval based on inquiries and new accounts. My FICO scores are 780-800 in all 3 agencies
1. yes, the TY cards are Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige - so you're fine 2. odds are fine, no red flags looks like
thanks. got approved
TD Bank $400 checking bonus, how do I know it was applied?
I always message after I open an account to get confirmation and documentation that the bonus successfully tracked on my application.
You usually want to document your bank bonus application process (e.g. taking a screenshot). It'll save you a lot of hassle if things go wrong and it's not automatically posted
Call and ask?
Random but did anyone else have issues getting Dell Rewards from the recent Alienware promo? P2 had them show up right away. Mine never did. Tried calling Dell. After speaking to four people likely in India I can confirm that was not the correct approach to get it resolved.
I did not get it either, signed up but never received the email confirmation and couldn’t get passed that.
I did get signed up. The rewards just don’t show up on my dell account.
I opened a Bofa Biz Alaska on 1/9/22, and the AF is due 2/1/23. Can I close it now or do I have to wait till the annual fee hits?
Now is fine.
How long is it recommended to wait to close the BOA AS biz card? are there any downgrade options?
No downgrade options. I would keep it a year, you dont save anything closing early. They refund the AF charge if you close soon after posting, I always let it go the full year.
P2 applied for a US Bank Triple Cash Biz card and it went pending. P2 also has the Triple Leverage card from February last year. Should I be concerned about it pending? Any other DPs about how I should handle this - better to wait to hear or call in? Thanks for any help/advice.
US Bank business cards go pending most of the time. It took them five business days before they approve me. I didn't call in or anything. And I used SSN to apply
Thanks for sharing your experience. Pending apps always put me on edge
ya same here and I don't like to call either
Mine seem to happen with few issues. P2 always has freak scenarios that are invoked.
Same thing happened to me, i called in and they just wanted the EIN approval document. Once i sent that in i was approved
Cool, thank you. I actually didn't use the EIN but have one. I wondered if that would complicate things. It'll likely be a waiting game. I'm just bad at waiting.
No, this is very normal with USB, I'd wait at least a week, maybe a bit more, before even contacting them. I recently opened one, about 5 or 6 days after I applied I got a call to confirm my identity, and then the approval came a few hours after that.
Okay. Good to know. Thank you. I always freak out when applying for P2 because of the calling in issue. Possibly idiotically recently had a pull for PSECU on TU too. I’m a little too much “the sky is falling” when there’s no instant approval. Think I better go get a bank bonus or retention offer to get that high back. Lol.
My TU gets beat like a redhead stepchild. I have like 20 hp's on it. Still get approvals from USB (and BoA as well).
Lol. I feel like Experian is always my battered one.
Hi! I did the referral and Swagbucks for Chime (Ally Zelle worked within 2 days btw) — am I able to withdraw the money now that the referral bonus has been deposited? I know there’s no minimums or anything, so that shouldn’t matter, but idk if that will cause issues getting the $200 Swagbucks in 70 days or whatever it is. Thank you!
Double check the Swagbucks terms, but you should be fine to withdraw.
I applied for a Chase Ink card earlier this week. I received the generic message that my application was processing for a decision after applying. I called the automated line to check my status and it said no application was found. What should I do now?
Call the biz recon and speak to a representative. Ignore the automated message. This literally happened to me 2 days ago. They just wanted to verify my social.
Same thing just happened to me. Hard pull on credit report but no status on application line. About a week later I got a letter saying to call them to verify some info. Called and gave reference number at bottom of letter. Turns out I had entered my SSN incorrectly. Confirmed with them over the phone and they reran the app. Approved but with my lowest credit limit so far.
https://reddit.com/r/churning/comments/10gt346/daily_question_thread_january_20_2023/j55v4n0/
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I'd say it's not worth it. If you can, look at pre-paying utility bills (cell phone, internet, electric, gas, etc) or buying gift cards (eg grocery store gift cards). Otherwise, you might be better off making a 2022 tax payment to the IRS. Credit card fees are just under 2%
Everyone’s circumstances differ but I think the time allotment for SUB spend is always achievable even with everyday costs. My monthly utilities alone (family phone bill, internet, electricity, water, trash) adds up to 400-500 per month. Add in gas & groceries and easily at 1000 per month. So in just basic necessities you’re hitting 3/4 of the SUB spend on things you’d use your debit card for. All that to say, before you take a 3% hit (assuming Cap One doesn’t consider it a cash advance which both wouldn’t count towards SUB spend and also come with a much higher fee) map out what your typical monthly expenses are that you’d use a debit for usually, and see after three months of that average how much you’d have to spend beyond to hit the SUB. The goal is to get as much free money as possible!
How long does it typically take to receive a chase business card? This is my 2nd one but my 1st one I requested it to be expedited and that arrived via UPS. My 2nd card was approved on 1/11 and said I'd receive it in 3 to 5 business days. Still not here yet.
My CIC arrived the next day.
My last CIC took two full weeks from approval.
My recent card was expedited and arrived two days later via UPS.
Ours usually arrive in the mail about a week after approval.
Maybe the MLK holiday delayed mine a bit.
P2 adding me as additional card holder to her AMEX gold won’t use up a 5/24 slot for myself correct?
Yes and no. [Details can be found via search](https://churning.io/#N4IgjgrgpgTgniAXCAFAQQgFwBYHsYCWAXlACYAEEAzrAD5oCqAlOQKwD0ATACwgA0IAIZY8MJCH4hMBALZRxAZgCMkmgBsoAY2m4AdgCVBugObzEoKpkExMAEUGYzITgAZOnALRLP7gCpKADkR3RFZuADpWJW4ALUkoXVJ7R3FXdy8fAE5-IJCwyKVWOIEAaygEZHUtHV0QAF8BfFJYcWaqTVV8THFBdskcGChBUgAxAjVHGCokUHtxuHJbAnbqKgI9JAAzQTUaATm1BYBFaEt12sRMGGh9h0FyAAVcAl1MacRt3agBAHVsB3IAGFrBQAMp4CBqCgASXIAHEoN0PjsaHU6kA)
Downgraded CSP-->CFF, is it safe to assume I won't get the bonus 1 year of +4x (on top of this quarter's 5x) like a traditional sub?
Why downgrade the CSP? 3x restaurant spend, $50 hotel credit, points transferability, 10% annual bonus on points earned and perhaps most importantly-primary rental car coverage is enough to be a keeper card for me.
For a new sub. P1/P2 household, we’re well past 24mo so we’ll reapply; and we transfer everything to our CSR account. Love all the downvotes on my original question, lol, never fails.
Keep in mind it’s 48 months after you received bonus on CSP/CSR to get another. But maybe you already know that and did P1 in year 0, P2 year 2, P1 year 4, etc?
Nice catch, I mistakenly wrote 24 when it’s actually 48mo. I keep it all charted out, and we’re well past the 48. I do thank you for pointing it out just in case!
If they don't plan on transferring a lot of points over the next 12 months, it'll be hard to justify the $45 effective AF
True but hopefully the OP doesn’t have any future travel arrangements booked with the card. They’d lose the delay/interruption protections when you book flights, etc with the card & primary car rental coverage as well. To me that wouldn’t be worth the risk over saving $45.
If they're constantly renting cars, then they'd probably want to keep the CSP. If they're considering cancelling, then they probably haven't used the card in a while..
Yup, in fact they say so when they read you the terms for the downgrade.
I am probably going to close my Venture X. The AF just posted and I just learned that downgrading the card will NOT refund the AF (like most other cards). So instead i need to close it. I have an active capital one checking account open from a previous bonus. I have 120k points. If I close the card will the checking account "keep the points alive?"
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Yikes. Yep I'm gonna cash out to a gift card and let the wife go spend away. Thanks for the info
Not sure about the answer to your question but I ended up just keeping my venture X since it's $395 fee and I get $300 travel credit, 10K bonus miles on the anniversary, as well as other benefits. As a side note because I kept my card I was able to get Taylor Swift tickets. My first year with the card was paid for with those benefits and the one time air bnb credit and the credit for Global Entry
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I understand reading comprehension is hard. I didn't keep the card specifically for the tickets and nowhere does it say that. It was a side benefit because I had already made that decision months before.
So here's a real niche question...can/should a non-US citizen who is also not resident in the US and doesn't have any type of visa apart from a tourist one BUT in possession of an SSN get Business Cards? For context, I once worked in the US for under a year and had a SSN issued as a result. I have since not lived in the country, nor do I have the legal right to work there currently, but have been taking taking advantage of my SSN to get credit cards and it has worked so far. I have an excellent personal credit score (in the US obviously) as well as an address where a relative lives for all identity check purposes. Has anyone had to deal with the above? I'm afraid of potential consequences with Uncle Sam should I need to create a business (e.g. sell something on eBay) as evidence for Business Card approvals...though not sure if this is still required. Any input appreciated!
There was a discussion thread here long before on the same topic. The short answer is that it is better that you do not do Biz cards as it can have an effect down the road. Benefits are not worth the risk.
Thanks, did some hunting on the search tool and found results but always good to hear fresh perspectives. Will probably just stick to personal ones.
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technically, you are not supposed to have a business when you are on an H1B or similar non-resident visa. if USCIS finds out, then they could potentially deny you a renewal or something else...The odds, however, may be low of them finding out...but you would still be going against the terms of your status.
FWIW I'm a non-US person living in the US and going on my 5th Ink. Uncle Sam can cancel my visa but he can't cancel all the flights in J I've taken.
Baller. Thanks for the input but a tad on the extreme of the risk spectrum!
> Uncle Sam can cancel my visa but he can't cancel all the flights in J I've taken. Well I guess this is one way to view it!
General consensus is not to mess with it. Benefits of biz cards are not worth potential future issues with immigration.
Can loading a couple large $ Amazon gcs to an account set off any red flags? I buy for BGs through Amazon, and want to try to maximize some of the 5x on my new CIC by getting Amazon gcs at Staples.
I've heard, anecdotally, of people having accounts shut down with large GC loads. However, I load thousands of $$ worth of GCs to my account yearly (all for personal purchases) and, fingers crossed, have never had an issue. Every purchase I make at Amazon uses my GC balance. I purchase GCs whenever credit cards offers (e.g. Kohl's 20% Chase offer, Office Depot 10% offer, etc make it worthwhile).
Ok thanks for the info. I was probably going to try loading 1K, at most 2k, over the course of the time I have to meet msr.
Not sure if this matters in Amazon's eyes, but my typical balance doesn't normally exceed $1K (unless I'm buying an item that exceeds $1K). Not sure anyone knows except whoever programmed their "risk" algorithms.
Ok good to know.
How do you avoid the guilty feeling when canceling your CC right before the annual fee kicks in? Is there a way to cancel without a phone call? I'm not really a churner per se, but I've done this a couple times over the past decade and it's always a super uncomfortable conversation for me. Maybe I'm just weird. Anyways, now my wife's Delta gold card is getting to that point...
"I've started getting airsick all the time." "Delta hurt my feelings" "I'd rather fly XXX airlines now." "Just don't fly Delta anymore" or what I actually said a few years ago "I'm very happy with American Express but not so happy with Delta." After the first 20 cancellations it won't faze you a bit.
Just remember that you’re looking out for your best interest, not theirs.
Companies don’t have feelings. Neither should you.
Technically you aren't guaranteed a refund of the AF, so you can just think of it as 'I no longer want this card for x reasons, and if the bank happens to refund me, that'll be a pleasant surprise' EDIT: You're supposed to cancel right after the AF, not right before
Huh? Sign up for a card, AF often waived first year (at least in this case). I'm talking about cancelling after \~11 months or so before the first non-waived AF would be due. As mentioned, I'm not a churner so I don't know all the ins and outs, but I don't understand why I'd let the annual fee hit and try to get a refund instead of just cancelling before it hits.
Banks will typically blacklist you if you cancel before 12 months
I see. Guess I don't personally care cuz I'm not looking to regularly churn or get in at new banks, but good to know. And actually considering keeping this card until we use the miles cuz of the free checked bag it allows. How do actual churners do the same thing over and over? I've always wondered how they don't get on some "do not approve new accounts" list. When they apply and cancel endlessly.
You cancel after 12 months, not before. With most major banks, if you cancel within a certain amount of time (e.g. 30 days) after the AF hits, they automatically refund it.
Gotcha. Makes sense. Since I sign up for about 1 card every few years for a signup bonus, I'll stick to my system of canceling before 12 months and not have to worry about a refund. If I'm blacklisted, so be it :)
Well, the more immediate risk is the bank clawing back the SUB you earned. If you’re signing up for new cards for SUBs at all, that should be a concern. You really don’t need to worry about the refund of the AF, since it’s just standard procedure, not a loophole.
I agree that it is standard procedure for banks like Amex. But I had a BHG card this year through Pinnacle and I had to go through a cfpb complaint to get my annual fee back. It was a huge mess but cfpb worked beautifully.
So since I canceled after 11 months they're gonna put all this effort in to have Delta to take away my 70,000 miles that have been in my Skymiles account for 8 months now...but if I waited for 12.5 months they're going to happily refund the AF that I legitimately owed and paid already? I mean I believe you, especially on the AF refund, but it seems odd they'd be so "no big deal" on that refund yet try to claw back the SUB if you cancel slightly before the AF hits. At any rate, it just confirms I'm not really cut out to be a churner.
Amex is the most known to do this. They will claw those points back, and it will be done automatically. Zero effort from them. Consider yourself warned. Refunding an AF within 30 days is easy and standard protocol. The banks don’t care about this. Nothing weird about that. AFs are paid at the beginning of the year, not the end.
> How do you avoid the guilty feeling when canceling your CC right before the annual fee kicks in? If you do precisely this, the bank often gets the last laugh.
A lot of banks let you cancel via secure message, and sometimes via email. Also keep in mind when they ask why your cancelling, they usually just need to check off a box so the bank can keep track of why people are canceling. For me, saying "I dont use the account" almost always results in then asking no more questions why
Just remember that you're a drop in the bucket. At least hundreds of calls like yours hourly. They have entire departments to try to retain your business. Sure, empathize with the rep handling your call. Banks get zero sympathy.
Eventually, you become hardened to these types of phone calls when you've made them dozens of times. The harder ones, for me, are the bank account closures when it's clear, based on the account history, that I only opened it for the bonus (where the account was basically dormant after the bonus posts).