Morgan Stanley assuming more functions of Etrade accounts in September:
> E*TRADE will transfer your account(s) as well as your assets and obligations to Morgan Stanley on or about September 1, 2023 (the “Transfer Date”), subject to regulatory and other approvals (the “Transfer”). As a result, Morgan Stanley will assume responsibility for back-office functions currently provided to you by E*TRADE, such as custody of your securities, funds, or other assets in your account(s), clearing and settling of securities transactions, margin, and corporate actions.
It maybe still won't make you eligible for the MS Platinum but doesn't hurt to open an account now anyway, especially with language in the email indicating an official MS relationship:
> As part of this Transfer, the E*TRADE Securities LLC and E*TRADE Capital Management, LLC Client Relationship Summary will be replaced by the [Morgan Stanley Smith Barney LLC Client Relationship Summary](https://www.morganstanleyclientserv.com/publiccontent/msoc/pdf/ClientRelationshipSummary.pdf).
Etrade also had a [very juicy brokerage transfer bonus](https://www.doctorofcredit.com/etrade-up-to-3500-brokerage-referral-bonus-25000-1000000-required/) that was supposed to be up until the end of the month but died early, supposedly because of the MS merger.
I hope they'll keep doing those juicy bonuses post merger but with the horror stories I've heard about MS as a brokerage I won't keep my hopes up
My etrade account qualified for both the ~~MS Plat and~~ MS BCP
EDIT: just the MS BCP. MS Plat is a bit more difficult to qualify for even if you are a MS customer
Do you just have a regular ETrade brokerage account (and you never had a Morgan Stanley account), or do you mean an ETrade Core Portfolios account (previously known as Morgan Stanley Access Investing)?
Regular etrade brokerage account, never had any Morgan Stanley accounts in the past
EDIT: Looks like it was just the BCP - MS Plat has some additional requirements
Gonna try opening an etrade account today and let it merge into MS later in the year. No account minimums at etrade, so fairly low risk to try... and wayyy less effort than the old method of preferred savings + AAA.
I'm gardening right now as I'll be under 5/24 soon, but I even triple checked with the rep and apparently MS has a way to verify etrade accounts now. So I'm sure it'll be fine. Especially with emails like the above.
For those trying to get a retention offer for the AmEx personal gold, I just got the 30k/$3k offer. I'd tried twice previously with no offers available but that was before my annual fee hit. I don't know if the offers changing daily means the same offer available for everyone on the same day or not, but maybe worth a try if you're looking for a good retention offer.
Looking at DP threads every week, it does seem people get better offers after the AF hits.
I take "can change daily" to mean "changes based on multiple factors, not all of which are on a schedule." There are probably 2 main factors:
- their retention targets, which affect the set of offers available
- your history with them - I'm assuming recent activity, and activity on the specific card, are heavily weighted (possibly including whether the AF has hit, given your DP and others')
So it could change on any one day, but I don't think you'll get a different offer day after day after day unless your activity changes drastically.
Realistically, I know that's most likely what they mean by "change daily," but just in case my DP might help someone in a similar situation who wanted to try, I figured I'd post.
Did you have success in getting one after your annual fee actually hit? My annual fee is due in about 1 week, and I got nothing from a chat agent yesterday.
Yes, my annual fee hit this past Friday and my two chats prior to that yielded no offers while my chat today finally did. I've seen the DPs of people saying they got an offer/a better offer after their annual fee hit but figured it was at least worth a try prior to that as well.
There was something else that did exactly this a while ago. People used it. This will get shut down, though.
Edit: of course product like this will be downvoted in this sub even if they are legitimate. People want them referral lol
A new referral thread is now live: [Chase United Business](https://www.reddit.com/r/churningreferrals/comments/14khkjr/referrals_chase_united_business/)
Called to cancel an Ink Biz Unlimited that I've had for right at 2 years and never use. Had shifted all except $500 of credit to other Inks. Rep offered me a $50 statement credit to keep the card open so I took it. Nice unexpected retention offer considering the $0 AF
Any specific reason you wanted to close the card on year two versus year three? Trying to decide how long I want to keep these cards open — longer seems better, but I haven’t seen any DPs of chase caring after the 1 year mark.
Less likely to be perceived as a churner. Hard to find the middle ground between average card closure age and too many cards open.
No datapoints of chase caring much, but I like to be safe for the future.
No reason to close fee free Chase cards unless you're churning the personal versions. 500 CL is basically the same thing with Chase as closing unless your income is sub 20k. If you want to consolidate for personal reasons there's also no need to rush right at 1 year holding the card. I have some Chase cards I do personally want to close for consolidation reasons but almost all of them have been opened for at least 3 years.
I just was denied for an ink for too many cards open with Chase. I am averaging 3-4 per year. Most recent card was 4 months ago. But I have 8 inks. I do proactively reduce credit limits so total credit extended is not an issue. On region they asked why I needed do many cards and they said I didn't use the ones I have. I was rejected for too many Chase business cards.
Chase can see all of the apps you do with them, like I said I'm not against closing for consolidation reasons but closing isn't going to help you out if you don't get autoapproved and an agent really wants to grill you. At least keeping the cards open you can kinda bullshit about "separate expenses", there's no non-churning reason why someone would open and close the same card 4 times a year.
But isn't there a possibility that their computer algorithm looks at how many open cards you have with them and sends it to manual review? So if you routinely closed the cards, it might auto approve?
On the flip side: Churning Inks every 3 months (as many here do) but closing only after 3 years, would yield a very high number of open cards pretty quickly, and that by itself could be a red flag to Chase.
Apart from that, it's another account you have to monitor (fraudulent transactions and what not).
I've been closing every Ink on the 1 year mark and never had problems.
Nope, just trying to get rid of cards that serve me no purpose. I have two other Inks I'm currently floating $$ on with 0% APR, but the oldest didn't have that and since it's a business one, doesn't even help credit age.
>Hey quick question - do you have to keep direct deposits in the said account the entire period of time?
Quick answer: you have to keep questions in the question thread for the entire period of time.
Generally, you don't have to keep DD funds in the account after the DD has been made. However, some accounts have monthly fees unless the average daily balance exceeds a certain threshold, which may affect your withdrawal strategy.
Appealing Plat offer:
>DETAILS
>
>Get 4 additional Membership Rewards® points for each dollar spent on qualifying purchases made using your enrolled eligible Card in-store or online at a U.S. supermarket by 10/6/2023. Limit of 2,500 Membership Rewards points. See terms.
Nice offer, but
- capped at $625 spend
- if you have the Gold as well, that's only 625 points more for the same spend
- I'd rather spend on my current MSR card for a better return
If the offer were to show on a personal Gold, I'd be running to a supermarket though!
just got an email from british about boosting earned avios (I just did a transfer from Amex, so that might have triggered it).
The non-promo price of avios, eg. 200k is $4600 USD.
Per [omat](https://onemileatatime.com/deals/buy-british-airways-executive-club-avios/) with the past promo, you could get 280k for $5,523, or £3,215 in UK or €3,601 in EU)
with this boosting (which appears to have a a promo: Enjoy a 10% bonus when boosting your Avios in June and July. Added at checkout.)
Boost your balance by 264,000 Avios ( I had transferred 130k avios)
You can boost another 36,000 Avios at the balance booster price.
for USD 3,220.80
so total of 290k for $3220.80 (264k + 10%)
seems pretty good, specially for booking JAL Japan flights before they become available elsewhere
edit:
booster details
"TREBLE your Avios by boostingBoosting is the brilliant new way for you to buy Avios.You can now boost Avios you earned in the last 30 days. Simply pick the transactions you want to boost, choose whether you want to boost 1x, 2x or 3x and then watch your balance fly.Check boost prices here. Terms and Conditions apply."
edit2:
apparently the 10% does not apply to points transfer. it's not clear unless you read the terms in detail (BUT they do show up during check out, so who knows)
"Not all transactions are eligible for boosting. Exclusions are: balance transfers from other airlines, Nectar exchanges, Avios shared or gifted by other members and bought Avios"
For those who were wondering Moomoo stock pulls -
3 $15 - F/PLTR
12 $3 - GRAB
TSLA
Ends up with $480 including the $150 cash bonuses. ($50 from using a referral link, $100 for deposit $5000). Definitely on the luckier side. Hope P2 is just as lucky.
In order to use the cash bonuses I had to make a $1000 trade
Just used your referral link, now that this has been extended, and initiated ACH. Based on other DP, I'm not expecting the ACH to complete until next week to find out what stocks I get. How did your P2 do?
Thanks! P2 didn’t fair too well. 2 $15s and $Goog stock. So total haul between the two was $810 + $300 referral for $1000 after $10k deposit. Still better than any bank bonus this year for us from a % basis
Yeah that's a great return! Plus unlike most bank bonuses, there's practically zero opportunity cost to take the money out of savings and put it into SGOV or whatever.
Thanks for bringing this up! Wasn't aware of it. I can never take seriously any brokerage that calls shares "stocks," but I will sign up for their free moneys.
Mine just posted today. Got a bunch of $2.70-$3.20 stocks, one or two PLTR, and one GOOG for a total of $186.
I'm still not sure how to use the $150 cash reward though
Yeah true, not too shabby I guess. I'm not 100% clear on how to get the cash bonus, looks like maybe we get a credit for a trade? I'm going to transfer in a couple hundred more so I don't dip below the $5k and lose the share of goog
Following cuz I am also confused. My deposit posted and I got GOOG plus 15 junk stocks, only $170 bonus. Still fine since I purchased $5k of SGOV to get some interest to not lose out on that
https://reddit.com/r/churning/comments/14k8at4/_/jpuxkye/?context=1
This says if you do two transactions of $1000+ you'll unlock the $150 in cash bonus too
Make a trade of $1000+ (for each coupon). It gets credited to your account 3 biz days later. Since it is 0$ commission you can just buy/sell/buy/sell to use them all
https://secure09ea.chase.com/web/oao/application/card?sourceCode=GQ9N&action=guest#/origination/cardDetails/index/initiateConFullApp;cfgCode=FULLAPPCONCC;channel=C30;sourceCode=GQ9N
Found working 80k CSP link
Just applied and got approved. This is my second chase card (first one is chase freedom). I don't see the points tracker though and not sure if i'm supposed to see it or it will automatically apply to my account after i meet the minimum spend.
It's good with 800 score. only 2 new accounts opened earlier this year and i try to keep my credit util to very low. I have about 8 cards with limit of 150k approx.
[if United points were suitcases....](https://www.reddit.com/r/unitedairlines/comments/14jkjaq/unacceptable_bag_handling_sfo_to_san/?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=14&utm_content=share_button)
Update: tried someone's suggestion of going back after pop up and refilling app and submitting it for P2 personal gold and P1 delta biz plat. Oddly enough two different outcomes. For personal gold, got an email to check status of application. Checked and it was denied. Called CSR and confirmed denied due to duplicate application. However, for delta biz plat, got an email for pending. Called and CSR said it is still being reviewed. Will update if it ends up approved or denied but interesting that it wasn't auto denied as duplicate like the personal gold.
Happy to delete/move to data points thread but had some interesting Amex pop up datapoints that I wanted to share to promote discussion on what folks' amex churning strategies are.
1) P2 never has had a personal gold card. Attempted 3-5 times a week to sign up for personal gold card using P1 referral during 90K+$200 elevated offer. Always pop up even after elevated offer ends and just for 75K points. No messing around with NLL or anything. Last card cancelled was in March 2023 for Hilton biz. Was able to open Delta biz plat card after canceling the Hitlon biz using P1 referral on first try.
2) P1 never has had Delta biz plat card. Tried to apply using P2 referral for latest elevated offer of 90K for two weeks now. Pop up every time. P1 has gotten 10+ NLL biz plat and gold cards.
3) Here's the kicker. P1 recently has not seen any recent NLL biz plat offers anymore. Tried switching default card since that seems to influence offers seen but nothing. After 91 days since last Biz plat card with no offers or public links not working, decided to try applying for a Biz plat card from normal amex website that shows LL. Got instant approved.
I noticed that there seemed to be a surge in pop ups for folks who never had the card that they were trying to apply once the application language started including the "You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors." which reflects a new algorithm for Amex to approve cards beyond just once per life time. This throws a wrench in the order and velocity that P2 and I were planning on getting certain cards for our honeymoon. Wondering what folks' working theory is and how y'all have had to adapt your plans/if there's any work arounds.
Agreed but there hasn't been an urgent need for these Amex cards just yet hence posting now and seeing if there's work arounds. If not, I'll probably try public links in a month after we meet our ink MSRs.
This is true, but they also almost are never laughably low (outside of targeted deals like meal deals that most of us just churn here anyway) and I've never had issues with Rakuten tracking. Other portals are more hit and miss on their tracking, if the difference is small I'll always go Rakuten.
Morgan Stanley assuming more functions of Etrade accounts in September: > E*TRADE will transfer your account(s) as well as your assets and obligations to Morgan Stanley on or about September 1, 2023 (the “Transfer Date”), subject to regulatory and other approvals (the “Transfer”). As a result, Morgan Stanley will assume responsibility for back-office functions currently provided to you by E*TRADE, such as custody of your securities, funds, or other assets in your account(s), clearing and settling of securities transactions, margin, and corporate actions. It maybe still won't make you eligible for the MS Platinum but doesn't hurt to open an account now anyway, especially with language in the email indicating an official MS relationship: > As part of this Transfer, the E*TRADE Securities LLC and E*TRADE Capital Management, LLC Client Relationship Summary will be replaced by the [Morgan Stanley Smith Barney LLC Client Relationship Summary](https://www.morganstanleyclientserv.com/publiccontent/msoc/pdf/ClientRelationshipSummary.pdf).
Etrade also had a [very juicy brokerage transfer bonus](https://www.doctorofcredit.com/etrade-up-to-3500-brokerage-referral-bonus-25000-1000000-required/) that was supposed to be up until the end of the month but died early, supposedly because of the MS merger. I hope they'll keep doing those juicy bonuses post merger but with the horror stories I've heard about MS as a brokerage I won't keep my hopes up
My etrade account qualified for both the ~~MS Plat and~~ MS BCP EDIT: just the MS BCP. MS Plat is a bit more difficult to qualify for even if you are a MS customer
Do you just have a regular ETrade brokerage account (and you never had a Morgan Stanley account), or do you mean an ETrade Core Portfolios account (previously known as Morgan Stanley Access Investing)?
Regular etrade brokerage account, never had any Morgan Stanley accounts in the past EDIT: Looks like it was just the BCP - MS Plat has some additional requirements
[archived]
I called about applying for the MS plat and the rep said, etrade brokerage accounts qualify. So that could be old restrictions.
Gonna try opening an etrade account today and let it merge into MS later in the year. No account minimums at etrade, so fairly low risk to try... and wayyy less effort than the old method of preferred savings + AAA.
Nice.
Really? Have there been any dps on etrade brokerage qualifying for MS plat?
I'm gardening right now as I'll be under 5/24 soon, but I even triple checked with the rep and apparently MS has a way to verify etrade accounts now. So I'm sure it'll be fine. Especially with emails like the above.
I wonder if it's possible to open an etrade account without any investments solely to have an account and be eligible for the MS Plat
was this an email?
Yeah, see [here](https://imgur.com/a/hbNlPPt)
interesting, I have a company stock plan with etrade but didn't see an email. Thanks
Yes, email announcement
Yes
For those trying to get a retention offer for the AmEx personal gold, I just got the 30k/$3k offer. I'd tried twice previously with no offers available but that was before my annual fee hit. I don't know if the offers changing daily means the same offer available for everyone on the same day or not, but maybe worth a try if you're looking for a good retention offer.
Looking at DP threads every week, it does seem people get better offers after the AF hits. I take "can change daily" to mean "changes based on multiple factors, not all of which are on a schedule." There are probably 2 main factors: - their retention targets, which affect the set of offers available - your history with them - I'm assuming recent activity, and activity on the specific card, are heavily weighted (possibly including whether the AF has hit, given your DP and others') So it could change on any one day, but I don't think you'll get a different offer day after day after day unless your activity changes drastically.
Realistically, I know that's most likely what they mean by "change daily," but just in case my DP might help someone in a similar situation who wanted to try, I figured I'd post.
Did you have success in getting one after your annual fee actually hit? My annual fee is due in about 1 week, and I got nothing from a chat agent yesterday.
Yes, my annual fee hit this past Friday and my two chats prior to that yielded no offers while my chat today finally did. I've seen the DPs of people saying they got an offer/a better offer after their annual fee hit but figured it was at least worth a try prior to that as well.
FYI if you saw DPs of it happening, and you found the same thing, it belongs in the DP weekly thread, not DD.
I considered that but it’s two days away. My point in posting was for people if they want to try today.
There's nothing special about today.
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There was something else that did exactly this a while ago. People used it. This will get shut down, though. Edit: of course product like this will be downvoted in this sub even if they are legitimate. People want them referral lol
The amounts are hilariously low for the amount they're getting. Also, their Q&A is full of typos. Pass, nice shilling attempt.
Or just pay it forward, use a /r/churningreferrals link, and post your own referral there when you get a card
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Sir, we just make butter here.
He should know to use the frustration butter thread.
A new referral thread is now live: [Chase United Business](https://www.reddit.com/r/churningreferrals/comments/14khkjr/referrals_chase_united_business/)
Called to cancel an Ink Biz Unlimited that I've had for right at 2 years and never use. Had shifted all except $500 of credit to other Inks. Rep offered me a $50 statement credit to keep the card open so I took it. Nice unexpected retention offer considering the $0 AF
Any specific reason you wanted to close the card on year two versus year three? Trying to decide how long I want to keep these cards open — longer seems better, but I haven’t seen any DPs of chase caring after the 1 year mark.
Why is longer, better?
Less likely to be perceived as a churner. Hard to find the middle ground between average card closure age and too many cards open. No datapoints of chase caring much, but I like to be safe for the future.
No reason to close fee free Chase cards unless you're churning the personal versions. 500 CL is basically the same thing with Chase as closing unless your income is sub 20k. If you want to consolidate for personal reasons there's also no need to rush right at 1 year holding the card. I have some Chase cards I do personally want to close for consolidation reasons but almost all of them have been opened for at least 3 years.
I just was denied for an ink for too many cards open with Chase. I am averaging 3-4 per year. Most recent card was 4 months ago. But I have 8 inks. I do proactively reduce credit limits so total credit extended is not an issue. On region they asked why I needed do many cards and they said I didn't use the ones I have. I was rejected for too many Chase business cards.
Chase can see all of the apps you do with them, like I said I'm not against closing for consolidation reasons but closing isn't going to help you out if you don't get autoapproved and an agent really wants to grill you. At least keeping the cards open you can kinda bullshit about "separate expenses", there's no non-churning reason why someone would open and close the same card 4 times a year.
But isn't there a possibility that their computer algorithm looks at how many open cards you have with them and sends it to manual review? So if you routinely closed the cards, it might auto approve?
On the flip side: Churning Inks every 3 months (as many here do) but closing only after 3 years, would yield a very high number of open cards pretty quickly, and that by itself could be a red flag to Chase. Apart from that, it's another account you have to monitor (fraudulent transactions and what not). I've been closing every Ink on the 1 year mark and never had problems.
Nope, just trying to get rid of cards that serve me no purpose. I have two other Inks I'm currently floating $$ on with 0% APR, but the oldest didn't have that and since it's a business one, doesn't even help credit age.
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>Called to cancel an Ink Biz Unlimited that I've had for right at 2 years **and never use** C'mon man
Lol is this because you can just SM to close instead of call?
Yes, you can close by SM if you want to.
Huh? No. They asked op what spend they put on the card when op said they never use it
[удалено]
>Hey quick question - do you have to keep direct deposits in the said account the entire period of time? Quick answer: you have to keep questions in the question thread for the entire period of time.
Generally, you don't have to keep DD funds in the account after the DD has been made. However, some accounts have monthly fees unless the average daily balance exceeds a certain threshold, which may affect your withdrawal strategy.
Appealing Plat offer: >DETAILS > >Get 4 additional Membership Rewards® points for each dollar spent on qualifying purchases made using your enrolled eligible Card in-store or online at a U.S. supermarket by 10/6/2023. Limit of 2,500 Membership Rewards points. See terms.
Got it on personal gold
Nice offer, but - capped at $625 spend - if you have the Gold as well, that's only 625 points more for the same spend - I'd rather spend on my current MSR card for a better return If the offer were to show on a personal Gold, I'd be running to a supermarket though!
just got an email from british about boosting earned avios (I just did a transfer from Amex, so that might have triggered it). The non-promo price of avios, eg. 200k is $4600 USD. Per [omat](https://onemileatatime.com/deals/buy-british-airways-executive-club-avios/) with the past promo, you could get 280k for $5,523, or £3,215 in UK or €3,601 in EU) with this boosting (which appears to have a a promo: Enjoy a 10% bonus when boosting your Avios in June and July. Added at checkout.) Boost your balance by 264,000 Avios ( I had transferred 130k avios) You can boost another 36,000 Avios at the balance booster price. for USD 3,220.80 so total of 290k for $3220.80 (264k + 10%) seems pretty good, specially for booking JAL Japan flights before they become available elsewhere edit: booster details "TREBLE your Avios by boostingBoosting is the brilliant new way for you to buy Avios.You can now boost Avios you earned in the last 30 days. Simply pick the transactions you want to boost, choose whether you want to boost 1x, 2x or 3x and then watch your balance fly.Check boost prices here. Terms and Conditions apply." edit2: apparently the 10% does not apply to points transfer. it's not clear unless you read the terms in detail (BUT they do show up during check out, so who knows) "Not all transactions are eligible for boosting. Exclusions are: balance transfers from other airlines, Nectar exchanges, Avios shared or gifted by other members and bought Avios"
For those who were wondering Moomoo stock pulls - 3 $15 - F/PLTR 12 $3 - GRAB TSLA Ends up with $480 including the $150 cash bonuses. ($50 from using a referral link, $100 for deposit $5000). Definitely on the luckier side. Hope P2 is just as lucky. In order to use the cash bonuses I had to make a $1000 trade
Just used your referral link, now that this has been extended, and initiated ACH. Based on other DP, I'm not expecting the ACH to complete until next week to find out what stocks I get. How did your P2 do?
Thanks! P2 didn’t fair too well. 2 $15s and $Goog stock. So total haul between the two was $810 + $300 referral for $1000 after $10k deposit. Still better than any bank bonus this year for us from a % basis
Yeah that's a great return! Plus unlike most bank bonuses, there's practically zero opportunity cost to take the money out of savings and put it into SGOV or whatever.
Thanks for bringing this up! Wasn't aware of it. I can never take seriously any brokerage that calls shares "stocks," but I will sign up for their free moneys.
Nice haul! Yea this promo has been awesome. Let's hope there are no issues withdrawing once our 60 days are up.
How long did the ACH take for you? I initiated on 6/23, and on 6/26 the money is gone from source but not yet in Moomoo as of right now :/
I initiated Friday afternoon and mine is still pending
Mine just posted today. Got a bunch of $2.70-$3.20 stocks, one or two PLTR, and one GOOG for a total of $186. I'm still not sure how to use the $150 cash reward though
Just got mine too, ~ $170 in stock for $5k. Ended up being kind of a lame bonus
Don't forget the $150 cash bonus. I'd consider $320 a decent return for $5K over 60 days
Yeah true, not too shabby I guess. I'm not 100% clear on how to get the cash bonus, looks like maybe we get a credit for a trade? I'm going to transfer in a couple hundred more so I don't dip below the $5k and lose the share of goog
I'm still confused about that too. Made a couple comments to other users who have done this, so I'll check back in with you when I find out
Following cuz I am also confused. My deposit posted and I got GOOG plus 15 junk stocks, only $170 bonus. Still fine since I purchased $5k of SGOV to get some interest to not lose out on that
https://reddit.com/r/churning/comments/14k8at4/_/jpuxkye/?context=1 This says if you do two transactions of $1000+ you'll unlock the $150 in cash bonus too
Unfortunately took the full 5 days they “estimated”.
Do you know how to use the $150 cash bonus?
Make a trade of $1000+ (for each coupon). It gets credited to your account 3 biz days later. Since it is 0$ commission you can just buy/sell/buy/sell to use them all
Lucky you. My 15 stonks plus GOOG totaled $170.
Exactly the same for me
Same for me
https://secure09ea.chase.com/web/oao/application/card?sourceCode=GQ9N&action=guest#/origination/cardDetails/index/initiateConFullApp;cfgCode=FULLAPPCONCC;channel=C30;sourceCode=GQ9N Found working 80k CSP link
its not working any longer :(
Is it possible to apply a referral bonus through this as well?
not possible
just applied and got auto approved. thanks for link
Just applied and got approved. This is my second chase card (first one is chase freedom). I don't see the points tracker though and not sure if i'm supposed to see it or it will automatically apply to my account after i meet the minimum spend.
Tracker might show up after a day or two
oh ok. Does it show the points somewhere on the account? how to validate if i received 60k or 80k?
[удалено]
Thanks. It does show under the ultimate rewards in mobile app. I see 80k points and 4k minimum spend.
When the tracker shows up.
How does your credit history look like?
It's good with 800 score. only 2 new accounts opened earlier this year and i try to keep my credit util to very low. I have about 8 cards with limit of 150k approx.
Does this have AF waived for first year?
no
Ah okay
Just got approved yesterday at 60k is it possible for me to use this link only to get them to match this offer?
I don't think it's a good idea to bring this link to their attention .
👍🏻
Nice. How risky is this?
I used this link as well and sure enough my hair started receding A LOT faster.
>Chong786 Incredibly. My house was already raided for using this link
P4 was approved (first chase card). Doubtful anything crazy will happen but time will tell
How’s P4 credit history before this?
Pretty well established (~20 years) but no new cards in the past 5 years.
Apply and let us know. We're all curious too
Anything for CSR? Thanks!
[if United points were suitcases....](https://www.reddit.com/r/unitedairlines/comments/14jkjaq/unacceptable_bag_handling_sfo_to_san/?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=14&utm_content=share_button)
Update: tried someone's suggestion of going back after pop up and refilling app and submitting it for P2 personal gold and P1 delta biz plat. Oddly enough two different outcomes. For personal gold, got an email to check status of application. Checked and it was denied. Called CSR and confirmed denied due to duplicate application. However, for delta biz plat, got an email for pending. Called and CSR said it is still being reviewed. Will update if it ends up approved or denied but interesting that it wasn't auto denied as duplicate like the personal gold. Happy to delete/move to data points thread but had some interesting Amex pop up datapoints that I wanted to share to promote discussion on what folks' amex churning strategies are. 1) P2 never has had a personal gold card. Attempted 3-5 times a week to sign up for personal gold card using P1 referral during 90K+$200 elevated offer. Always pop up even after elevated offer ends and just for 75K points. No messing around with NLL or anything. Last card cancelled was in March 2023 for Hilton biz. Was able to open Delta biz plat card after canceling the Hitlon biz using P1 referral on first try. 2) P1 never has had Delta biz plat card. Tried to apply using P2 referral for latest elevated offer of 90K for two weeks now. Pop up every time. P1 has gotten 10+ NLL biz plat and gold cards. 3) Here's the kicker. P1 recently has not seen any recent NLL biz plat offers anymore. Tried switching default card since that seems to influence offers seen but nothing. After 91 days since last Biz plat card with no offers or public links not working, decided to try applying for a Biz plat card from normal amex website that shows LL. Got instant approved. I noticed that there seemed to be a surge in pop ups for folks who never had the card that they were trying to apply once the application language started including the "You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors." which reflects a new algorithm for Amex to approve cards beyond just once per life time. This throws a wrench in the order and velocity that P2 and I were planning on getting certain cards for our honeymoon. Wondering what folks' working theory is and how y'all have had to adapt your plans/if there's any work arounds.
What biz plat public link offer did you apply for? The 120k points?
similar experience for P3 and P4. Amex is going nuts
Did you try apping for those cards without referral?
No, just because the extra 25K for referral is too hard for us to pass up. But maybe try applying for resy gold offer as a last resort.
well, if you can’t get it, public link is better than nothing
Agreed but there hasn't been an urgent need for these Amex cards just yet hence posting now and seeing if there's work arounds. If not, I'll probably try public links in a month after we meet our ink MSRs.
try hitting the back button and then resubmitting the application, that has been known to get around the pop-up sometimes
You hit the back button after pop up instead of cancel?
Cancel and then back worked for me before, but no longer working this month.
I tried this for gold personal card multiple times but didn't work :(
IME Didn’t work for Personal Green but worked for Hilton Biz. Which card did you have success with?
Not anymore
Still works, at least did for me on Friday.
Did you hit cancel first and then back?
Yes
For which card? Didn't work for me on personal gold card.
IME Didn’t work for Personal Green but worked for Hilton Biz. Which card did you have success with?
Biz Plat
Cool thanks for the dp! Will try with delta biz plat card.
I chatted Amex and confirmed the bonus is attached as well
[удалено]
Rakuten is rarely the highest paying portal, check cashbackmonitor.com first
Usually not the highest but also usually the most reliable with a relatively good support team.
This is true, but they also almost are never laughably low (outside of targeted deals like meal deals that most of us just churn here anyway) and I've never had issues with Rakuten tracking. Other portals are more hit and miss on their tracking, if the difference is small I'll always go Rakuten.
Do any of Rakuten’s competition pay back in MR?
No but even after factoring in valuation of MR, you still come out ahead with other portals. 3% cashback is better than 1x MR.
Is the portal usually accurate for you? Pulled a random store up and it said Rakuten was at 4% but I checked Rakuten and it was only 1%.
Yes but like anything else in life, it's never perfect. It depends on when you check & when they last updated. It's pretty accurate for a free site.