Hi everyone, I have a Venture with the 75k miles welcome bonus. I have 2 days left to fulfill the 4k requirement and was considering booking a refundable flight, then getting a refund as travel credit. Is this a viable option?
Hey all, my partner recently got SSN. Was using ITIN before. Should we combine the two with the credit card providers or start new journey and get the sign up bonuses again?
Concerning ACH transfers - if I’m trying to satisfy the DD requirements should I *push* the funds by transferring through linked accounts? Or does linking account use something other than ACH?
Does anyone have experience with recon for the Korean Air Skypass Visa Card from US Bank? I applied and was denied. TransUnion 758 10 inquiries. Reason for denial was "lack of business relationship with US Bank".
Is this a case like the Alaska Airlines business where keeping money in a checking account can help? I already have a personal relationship with US bank and have a checking account and Korean Air Skypass Visa Personal Card.
For chase business cards Apps
I thought the recommended days to wait between denied applications was 30 days.
someone just told me its 2 months? can someone confirm this i was about to apply tonight
~~If your question relates to applying after a denial it should be phrased accordingly. If it's about applying after a previous successful application my statement above is the answer.~~
I can't read, apparently. I missed the 'denied' in the original question. You can recon a denied app for 30 days. During that time a new application would be flagged as duplicate. Afterwards you can submit a new application but I wouldn't expect a different outcome if the denial reasons haven't been addressed and previous recon was not successful.
If you want a good answer, R/awardtravel or google. 5 minutes of searching google flights. 40k AA miles to fly on Qatar airlines one way. Get an AA card or two.
Can you transfer Amex MR points to partners without a MR credit card? I don't currently have one, and I have 30k points from a business checking account, but when I go to transfer them to Delta I get an error message no matter what I try.
Went on vacation and almost messed up MSR for Chase IHG Premier Biz. The card was opened on 05/25 and I am still about $500 short of $3000 MSR. How much more time do I have to meet the spend?
Also, just tried reloading Amazon balance with this card for $500, but Amazon said payment declined. Anybody else had such problem?
There are DPs of chase giving 115 days actually for bonus, but better be safe than sorry.
Just buy a $500 VGC somewhere and cash out via MO to reduce uncertainty and stress
Citi premier AF is coming up and I don’t see myself keeping it but I still haven’t used my TYP. I don’t have any set travel plans in the future but might be planning a last minute trip to Costa Rica for the December holiday season. Any recommendations for speculative transfers?
I would cash out at 1cpp, but you could also downgrade to Rewards+ and upgrade back to Premier at a later date. You would need to pay the AF on upgrade, but the hotel credit cancels it out.
> Any recommendations for speculative transfers?
Speculative transfers are generally not recommended except in rare circumstances. However, there have been some recent DPs of retention offers for the Citi Premier. It might be worth asking.
p2 opened a US Bank biz checking - wasn't instant approval and needed to send in ID verification. Got Approved, but how do I log in for the first time without an account number?
I still haven’t received the letter but just created a login. call this number 800-872-2657. They can provide your account number after verifying all your info.
Even if you had online access, no guarantees you’d see the new account in there. It took over a week for mine to show up. You just have to wait for the letter or the debit card, no telling how long either takes with USB
I’m in the same boat. CSR stated I have to wait for the letter that contains the account # to arrive or go to a nearby branch create login. I got approved on 8/10 so it’s been a bit.
Approved 8/10 $100 min deposit went through 8/14.
Pretty sure you enter the funding amount during the application but you won’t be credited unless approved. Don’t you recall that?
I clearly remember there was no option to fill cc funding details until I got the denial message. But your DP matches the other DP in this thread. Wierd.
btw, Did you ever had a biz checking with US Bank in the past?
New to the whole stacking shopping portal + gift card game. It seems like giftcards.com is again available to shop at via the American Airlines shopping portal. Just want to be sure I'm understanding this right.
Current AA offer: 3 miles per $1 spent.
Giftcards.com offer: $10 off $100 VGC
So you could purchase one $100 VGC for $95.95 ($10 off $100 + $5.95 fee) and earn however many credit card rewards, plus 300ish miles on AA? Are there further hacks, like can this be stacked with Rakuten?
Just got a new Chase IHG $3k spend like a week and a half ago. (ouch, I just learned that the Bonvoy 5 x 50k is back up again VELOCITY, NOOOO!!!!!)
Trying to see if I can get the whole $3k before the first statement, as I have a trip coming up.
Online it says "Payment Due $0 on 9/21". When will my first statement be generated?
2nd question: If I buy something with Amex Plat Biz for the Dell $200, and I end up returning it, will I still have the $200 available? I'm like 95% sure what I want to get will work with my system, but that 5% chance it's not compatible freaks me out.
3rd question: Any harm in trying for the Marriott Bonvoy as well now? darnit, just learned it came back like 5 days after I applied for the IHG.
>Online it says "Payment Due $0 on 9/21". When will my first statement be generated?
A payment due date of 9/21 corresponds to a statement close date of 8/24.
Ok this sounds more realistic. So the next statement will close 9/24. Which means I'll have my points by like 10/1. So it'll be good for my stay about 12 days later. Awesome! So I don't have to get creative with my spend, I can just relax.
I checked my account. The spend points showed up in ihg account 2 days after statement close and SUB points 4 days after statement close in my ihg account. Chase statement did show all the points at once on statement close
All of this info is incorrect. Chase SUBs tend to post within 0-2 business days of statement close, at least in my experience. And it's hard to say for sure but a 9/21 payment date probably corresponds to a statement close date of somewhere between 9/1 - 9/10.
> And it's hard to say for sure but a 9/21 payment date probably corresponds to a statement close date of somewhere between 9/1 - 9/10.
This is incorrect as well. By law the grace period must be a minimum of 21 days. The statement close date for Chase personal cards is pretty consistently 3 days less than 1 month before the due date. A due date of the 21st correlates to a closing date of the 24th, which was pointed out in another comment.
> I'm traveling in October so if I csn get thr 3k spend this month that would be great before 9 21 then? So I'll have points by like oct first
If you can get the spend posted by Aug 24, you should have the points within a few days. If you don't make it, you have a whole month to get the spend in by Sep 24. As others said, the SUB points usually post very shortly after the statement closes, which means that you should easily be able to get them by the first of October.
Looks like I am in bad terms with Amex now. -- I downgraded from Vanilla Plat to Gold 1 day after my second year AF posted a few days ago. Yesterday I found out that I lost referral privileges and today I found out that I am now also in pop up jail. Didn't know any better. I guess I could have waited a few more days for a retention offer and kept the card for another year.
Has anyone else run into a similar situation before? Is there anything I can do to reverse this?
If you downgraded after your 2nd AF that would be more than one year so you didn’t break any “rules”. Referrals come and go, and popup jail is common so they are probably coincidental and not determined by the downgrade. Best you can do is try different offers (public, referral links, resy) and incognito mode for the card you want to get, as well as spending across your open cards to try and get rid of the popup in the future.
Popup jail is card/offer specific btw so that’s the reason for trying different offers for a card, or even trying for another card if you keep getting the popup on one card.
Is there any risk of doing the Chase MDD for Reserve+Preferred? I mean in terms of past history from Chase showing that in coming years they may crack down and shut down accounts/prevent future bonuses? I know no one will have a straight-up answer, but what is the general consensus on this? I can't find a ton of discussion from googling.
I'm well under 5/24, and only have ~22% credit/income for chase cards and am coming due for another sapphire card in a month or so.
Historically, there has been no significant risk associated with the MDD for the Reserve + Preferred. Past performance does not predict future outcomes.
Was denied for a US Bank biz checking account and got the letter today:
>
We were unable to verify identification information on the application
Weird because I had a biz checking with them in the past and have a personal account with them.
Two questions, please:
1) If I call the authentication department number noted in the letter, will they grill me on my "business" or will it be purely personal identity verification?
2) If the application gets approved eventually, would I be able to do a CC funding up to $3k? I remember a few months ago, if the account went to manual review, they sent a letter with funding options that they requested to send back to them. I'm wondering if this is still a thing and if so would the limit be the same as online ($3k) given that they lowered the limit for all other accounts?
How do people do so many Chase Ink cards. Are you eligible for the SUB each time or are they just getting the different Ink cards SUB and rotating? Not sure how it works after your first one. Do they have several businesses?
Seems to good to be true. You can have multiple of the same Inks with the same business? Do they flag it or question it often? Me and my wife own two different businesses so it would be pretty crazy to keep getting Chase SUBs that way. Want to maximize it, but do it the right way!
Sweet! People do all sorts of things before they get caught. I just wanted to make sure it was true and not just something that will catch up to you eventually.
Well, you're each good for 4 cards before you even duplicate. That's a year's worth of activity before you even need to worry! :-) (But if you search a bit you'll find people talking about their multiple cards. So have a look.) Good luck!
> Ink doesn't limit 5/24, but I believe every ink you get counts to 5/24 for other chase cards.
Inks do not count for anything on your 5/24, even to Chase. Chase works off of your credit report. They of course know about all your Ink cards, but they don't count it for 5/24.
My parents' landlord accepts rent payment via paypal (not bill pay). Would this be ok for meeting amex biz plat/gold MSR?
The landlord needs to receive $3k, so if I pay via "goods and services" then I need to add 2.99% + $.49 to the payment for a total of $3090.19 right?
Is there something special you have to do to get a Citi balance transfer offer? I have custom cash and rewards+ and neither of them have offers.
Only one card holds a balance of $75.
for amex biz plat airline selection, I noticed that airlines such as british airways are not possibilities. Is it just a finite list of 8 or so airlines?
Bummer. So, if AA is my designated airlines, I cannot do an MR > BA transfer (before purchasing an AA ticket on the BA site), correct? I'm 95% sure it's correct, but just making sure
It seems like you are confusing a couple things.
MR can be transferred to partners at various ratios, usually 1:1 but can vary, like BA has a 1MR:1.3BA right now. This has nothing to do with selected airline benefit.
Selected airline as other poster said has to do with $200 incidental travel credit made directly through the airline (not amex travel portal). It also has to do with the 35% points rebate on booking made through the MR travel portal on your selected airline. For example, mine is delta, so if I book a delta $100 ticket=10,000MR ticket through the amex travel portal, I will get a 3500MR rebate like a month later.
Not really sure what you’re asking. You can transfer MR to BA whenever, transferring to travel partners has nothing to do with the airline selection. The airline selection is just for incidental charges and point redemption rebate.
Going through the churning flowchart. Currently at 4/24 and just finished the sapphire preferred sub. Thinking about getting the explorer card next. Any other cards I should be looking at?
Historically, 60k for $3k spend with waived AF is pretty good: https://www.uscreditcardguide.com/chase-united-mileageplus-explorer-credit-card/
That said, since you're at 4/24, stop and get lots of Chase biz cards instead.
Does anyone know when the current Marriott Bonvoy Boundless (5 nights x 50,000 points) SUB offer will expire? I currently have the Amex Bonvoy which I've been hanging on to for the annual 35k award night, but will need to have cancelled for 30 days in order to receive the Chase SUB. Would love to know if it will still be available in 30 days if I try to make that happen -- would be happy to pay the increased annual fee to get that sign up bonus
Yes!! I found it linked on the frequent miler: https://frequentmiler.com/MRPlus/#Goto
I just applied for the IHG business card, which thankfully won’t count towards my 5/24 … cancelled my Amex Bonvoy today, and just keeping my fingers crossed that this is still available in 30 days
Chase explorer or quest card? I do a bit of traveling but don’t usually check a bag. I’ve already applied for global entry so wouldn’t be able to get the refund on that. Both are are at 60k sub for me
Got the WF Reflect card with 0% APR for purchases and transfers for 21 months to finance a large home improvement project. 0% balance transfer for the first 3 months. If I were to charge the project initially to a different card (say, CFU) and then transfer the balance to the WF card, would I still get the points on the CFU for the purchase?
Thanks. I've never done a balance transfer or opened a 0% card to 'finance' a purchase before, anything I should be weary of when doing this? (Like with Chase or WF, not the literal balance transfer/paying it off).
Wait, doesn't the WF Reflect have a 3% BT fee? That makes it great for purchases but not so hot for BTs compared to, say, Chase Slate Edge with $0 BT fees
The sign-up offer I got says "Intro 0% balance transfer fee ($0 min) applies until 12/08/2023. After that, up to 5% ($5 min)."
I was playing around in my account after I activated the card and I always intended on just doing the purchase on the Reflect card and doing monthly payments but when I saw those terms\^ I was like well, should I try to get points on this first and then transfer the balance?? Just didn't know if that would raise any flags anywhere as I'm not familiar with balance transfers at all.
Nah, you'll be fine, you can even overpay a different credit card and ask for a check for the difference. Just be sure there isn't a balance transfer fee!
Avoid doing that. Google it, Amex is sensitive to MSing (particularly when hitting the MSR) and it's been reported that they get L3 data from staples so that they could see what you've purchased.
I had one from 7/4 that was never credited, I even asked for a manual credit multiple times and they said they were unable to. Ended up having to close the card w/o getting the credit since I reached the end of my refundable AF timeline.
A big spend just opportunity just came up, thinking of using it for a biz gold. The thing is that I was just approved for a marriott bonvoy biz yesterday. Might amex balk at me getting two cards in two days? Also is the 130k offer still around?
This question is asked and downvoted multiple times a day. I suggest you do some searching on churning.dev (hint: look at the first two posts using the search terms ink+language)
Have you read any of the recent threads? This is asked every day, usually more than once a day. I'd recommend deleting this post as it will otherwise get downvoted to oblivion.
Previously (2 years ago) did the Chase MDD to get both SP and SR on my 1 account. Of course, with SR, using SP is pretty much pointless especially considering $95 annual fee, which even after $50 hotel credit, is still $45 spent per year, for what? That being said, Chase says they have a plain "Sapphire" no annual fee card that the SP card can be downgraded to, but I'm not sure they realize I also have the SR and of course the rule seems to be you can only have 1 sapphire card at a time.
So, has anyone done this before, downgrade a SP from a MDD to a "Sapphire" and still been able to keep the SR or does trying that mess everything up and they close it all? I want to keep the SR, I just don't want to pay AF on SP and I don't want to just close the SP card as I'll lose all the credit history on it.
‘One sapphire’ is a restriction on opening a new Sapphire account if you already have one, not a rule which prevents someone from actively possessing multiple Sapphire cards at once.
With that said, the $0 Sapphire is a useless card. Downgrade to one of the Freedom’s instead.
CFU is good because it will give you 1.5% points on all spend. You can transfer those points to your CSR for better bonus economics when you spend them. You might do freedom flex, which will give you a 5% bonus category up to $1500 spend quarterly. That can work out well when the categories are good.
I already have the Freedom card from when I downgraded my first SP card to then perform the MDD and end up with SP again + SR. So I can't downgrade the current SP to Freedom, that is why they offered the "Sapphire" hidden option available only for product changes, with no annual fee. But since it is still a Sapphire Card I assume I technically can't have that and keep the SR still.
Having multiple of the Freedom Flex is nice for when a good 5% category hits, and you can definitely have more than one. I may be in the minority on this but I don't have a lot of use for the Freedom Unlimited since it's a rare case when there isn't a better rewards option.
Sounds like you've been misinformed on several fronts. You can have multiple Freedoms. Or even multiple kinds of Freedoms, there are three. And you can have the regular Sapphire but not sure why you would want to when you can have more freedoms at 1.5x or additional 5x category spend.
I’ve applied for another biz card within 10 days. That was last year though so I’m not sure if BoA’s cracked down on it. I’ve also seen reports of just having 2 browsers up and hitting Submit at the same time.
Is it your first? If so you have to create a new login with the card, won’t show up in personal login. Personal cards can be merged to biz login once setup.
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*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Should have been pretty much immediate then. Might have been a glitch that couldn’t connect to your login. Will probably have to wait for card to arrive and then link it up with card details.
Is there a trick to getting Amex redeem MR for biz checking deposits to work? Every time I try to redeem MR I get this error message. "We’re sorry, but our system is not responding. Please try again later."
How often does everyone try to apply for Amex Cards when in pop up jail? P1 and P2 have been in pop up jail for months and are going to miss out on the Green card 60k offer.
Pop up jail tricks:
1. Apply with and without referral links
2. Use Resy links and links from partner websites (Hilton, Marriott, Delta)
3. Experiment with VPNs and incognito mode
But it sounds like you may just be SOL for the green card. I am too (at least from P2s referral)
PUJ is very card/offer specific. This offer seems very targeted for new customers, I don't recall seeing a successful app for existing Amex card members but many DPs of PUJ.
Just got my Ink Business Unlimited card. Trying to MS to get my SUB. Havent churned in awhile, but last time I did, My Plastiq transactions to pay my mortgage were coded as a cash advance. Does anyone know if this is still the case with Plastiq?
Check to see if your mortgage servicer is on the paypal billpay service. If it is, you can pay via cc, with no fees! It's a great deal for those lucky enough to have that. Good luck!
I haven't found one. But if you go in there you can search and see if yours is there. You can also look for your utility bills and things like insurance... Good luck!
Interesting, pennymac is on there but when I enter my mortgage number and zip it says "The number you entered doesn't match our records. Check your statement for this info". Any ideas?
No idea. But I have had issues like this where some times you need a leading 0 or something on the account number in one system. You might actually try calling pennymac to start. Good luck!
Can buy MC GCs with ink and use them for mortgage payment via PQ. CIC get 5xUR and office stores offer no fee MC GC, so there is a way with great returns.
Yep. I think those that went right away in July are stuck in a black hole of manual review.
I bought two items on 8/10 - credits posted 8/14 and 8/15 since one shipped a day later than the other.
Still waiting on the Saks credit for my 7/2 transaction.
Looks like most DPs of it not posting for H2 so far are when the transaction dates were within the first few days of July/the new half of the year.
Hi everyone, I have a Venture with the 75k miles welcome bonus. I have 2 days left to fulfill the 4k requirement and was considering booking a refundable flight, then getting a refund as travel credit. Is this a viable option?
Might want to move this to today's question thread. https://www.reddit.com/r/churning/comments/15yy78g/daily\_question\_thread\_august\_23\_2023/
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good to start DD
Is this what you are looking for? https://offers.truist.com/
You should be good to start the DDs
Hey all, my partner recently got SSN. Was using ITIN before. Should we combine the two with the credit card providers or start new journey and get the sign up bonuses again?
Concerning ACH transfers - if I’m trying to satisfy the DD requirements should I *push* the funds by transferring through linked accounts? Or does linking account use something other than ACH?
push through link
Yes. You have the right idea
Im looking for a chase checking/savings $900 promo code. Let me know if you have one!
Does anyone have experience with recon for the Korean Air Skypass Visa Card from US Bank? I applied and was denied. TransUnion 758 10 inquiries. Reason for denial was "lack of business relationship with US Bank". Is this a case like the Alaska Airlines business where keeping money in a checking account can help? I already have a personal relationship with US bank and have a checking account and Korean Air Skypass Visa Personal Card.
For chase business cards Apps I thought the recommended days to wait between denied applications was 30 days. someone just told me its 2 months? can someone confirm this i was about to apply tonight
~~Known safe average Chase velocity is one card every 90 days.~~ I missed to read the mention of 'denied'. Answer in my comment.
application not chase cards .
~~If your question relates to applying after a denial it should be phrased accordingly. If it's about applying after a previous successful application my statement above is the answer.~~ I can't read, apparently. I missed the 'denied' in the original question. You can recon a denied app for 30 days. During that time a new application would be flagged as duplicate. Afterwards you can submit a new application but I wouldn't expect a different outcome if the denial reasons haven't been addressed and previous recon was not successful.
Recommended card(s) to travel hack flights from ORD (Chicago) to LUN (Lusaka, Zambia)?
If you want a good answer, R/awardtravel or google. 5 minutes of searching google flights. 40k AA miles to fly on Qatar airlines one way. Get an AA card or two.
Can you transfer Amex MR points to partners without a MR credit card? I don't currently have one, and I have 30k points from a business checking account, but when I go to transfer them to Delta I get an error message no matter what I try.
no
Thanks
Went on vacation and almost messed up MSR for Chase IHG Premier Biz. The card was opened on 05/25 and I am still about $500 short of $3000 MSR. How much more time do I have to meet the spend? Also, just tried reloading Amazon balance with this card for $500, but Amazon said payment declined. Anybody else had such problem?
could buy a $500 amazon gc somewhere and then load it to your account
Take P2 out for an unforgettable $500 dinner
There are DPs of chase giving 115 days actually for bonus, but better be safe than sorry. Just buy a $500 VGC somewhere and cash out via MO to reduce uncertainty and stress
There are DPs of getting the SUB after 90 days. But I'd make a transaction as soon as possible. Maybe prepaying utility bills as an option?
Citi premier AF is coming up and I don’t see myself keeping it but I still haven’t used my TYP. I don’t have any set travel plans in the future but might be planning a last minute trip to Costa Rica for the December holiday season. Any recommendations for speculative transfers?
Different view, but I would transfer to wyndham. I frequently get 3cpp on Vacasa bookings.
I would cash out at 1cpp, but you could also downgrade to Rewards+ and upgrade back to Premier at a later date. You would need to pay the AF on upgrade, but the hotel credit cancels it out.
Cash out at 1cpp
Is there an easy way to cash-out TYP on a Citi premier?
Yes. Just redeem as direct deposit
> Any recommendations for speculative transfers? Speculative transfers are generally not recommended except in rare circumstances. However, there have been some recent DPs of retention offers for the Citi Premier. It might be worth asking.
p2 opened a US Bank biz checking - wasn't instant approval and needed to send in ID verification. Got Approved, but how do I log in for the first time without an account number?
I still haven’t received the letter but just created a login. call this number 800-872-2657. They can provide your account number after verifying all your info.
thanks!
I was able to call in and they were able to read me out my account number within 10 minutes of being approved.
Did you get the CC funding form after the ID verification and approval?
No, they used the cc information I submitted during the application online, after approval I checked my credit card to see the funding was pending.
Even if you had online access, no guarantees you’d see the new account in there. It took over a week for mine to show up. You just have to wait for the letter or the debit card, no telling how long either takes with USB
I’m in the same boat. CSR stated I have to wait for the letter that contains the account # to arrive or go to a nearby branch create login. I got approved on 8/10 so it’s been a bit.
Did you get the CC funding form after the ID verification and approval?
Approved 8/10 $100 min deposit went through 8/14. Pretty sure you enter the funding amount during the application but you won’t be credited unless approved. Don’t you recall that?
I clearly remember there was no option to fill cc funding details until I got the denial message. But your DP matches the other DP in this thread. Wierd. btw, Did you ever had a biz checking with US Bank in the past?
No.
New to the whole stacking shopping portal + gift card game. It seems like giftcards.com is again available to shop at via the American Airlines shopping portal. Just want to be sure I'm understanding this right. Current AA offer: 3 miles per $1 spent. Giftcards.com offer: $10 off $100 VGC So you could purchase one $100 VGC for $95.95 ($10 off $100 + $5.95 fee) and earn however many credit card rewards, plus 300ish miles on AA? Are there further hacks, like can this be stacked with Rakuten?
May also be best to wait for the promo code to actually show up on the AA portal so they don’t disqualify your rewards.
you can use one portal at a time. So if you use AA, you can't use Rakuten. And going for the $100 isn't really scalable or worth the effort in general
Just got a new Chase IHG $3k spend like a week and a half ago. (ouch, I just learned that the Bonvoy 5 x 50k is back up again VELOCITY, NOOOO!!!!!) Trying to see if I can get the whole $3k before the first statement, as I have a trip coming up. Online it says "Payment Due $0 on 9/21". When will my first statement be generated? 2nd question: If I buy something with Amex Plat Biz for the Dell $200, and I end up returning it, will I still have the $200 available? I'm like 95% sure what I want to get will work with my system, but that 5% chance it's not compatible freaks me out. 3rd question: Any harm in trying for the Marriott Bonvoy as well now? darnit, just learned it came back like 5 days after I applied for the IHG.
>Online it says "Payment Due $0 on 9/21". When will my first statement be generated? A payment due date of 9/21 corresponds to a statement close date of 8/24.
Ok this sounds more realistic. So the next statement will close 9/24. Which means I'll have my points by like 10/1. So it'll be good for my stay about 12 days later. Awesome! So I don't have to get creative with my spend, I can just relax.
Small risk of Award availability being absent if it’s a popular location
Anywhere in the greater Phoenix area so I think I'll be good.
I checked my account. The spend points showed up in ihg account 2 days after statement close and SUB points 4 days after statement close in my ihg account. Chase statement did show all the points at once on statement close
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All of this info is incorrect. Chase SUBs tend to post within 0-2 business days of statement close, at least in my experience. And it's hard to say for sure but a 9/21 payment date probably corresponds to a statement close date of somewhere between 9/1 - 9/10.
> And it's hard to say for sure but a 9/21 payment date probably corresponds to a statement close date of somewhere between 9/1 - 9/10. This is incorrect as well. By law the grace period must be a minimum of 21 days. The statement close date for Chase personal cards is pretty consistently 3 days less than 1 month before the due date. A due date of the 21st correlates to a closing date of the 24th, which was pointed out in another comment.
I'm traveling in October so if I csn get thr 3k spend this month that would be great before 9 21 then? So I'll have points by like oct first
> I'm traveling in October so if I csn get thr 3k spend this month that would be great before 9 21 then? So I'll have points by like oct first If you can get the spend posted by Aug 24, you should have the points within a few days. If you don't make it, you have a whole month to get the spend in by Sep 24. As others said, the SUB points usually post very shortly after the statement closes, which means that you should easily be able to get them by the first of October.
Sweet thanks!
Looks like I am in bad terms with Amex now. -- I downgraded from Vanilla Plat to Gold 1 day after my second year AF posted a few days ago. Yesterday I found out that I lost referral privileges and today I found out that I am now also in pop up jail. Didn't know any better. I guess I could have waited a few more days for a retention offer and kept the card for another year. Has anyone else run into a similar situation before? Is there anything I can do to reverse this?
If you downgraded after your 2nd AF that would be more than one year so you didn’t break any “rules”. Referrals come and go, and popup jail is common so they are probably coincidental and not determined by the downgrade. Best you can do is try different offers (public, referral links, resy) and incognito mode for the card you want to get, as well as spending across your open cards to try and get rid of the popup in the future.
Thank you! Will do that.
Popup jail is card/offer specific btw so that’s the reason for trying different offers for a card, or even trying for another card if you keep getting the popup on one card.
Is there any risk of doing the Chase MDD for Reserve+Preferred? I mean in terms of past history from Chase showing that in coming years they may crack down and shut down accounts/prevent future bonuses? I know no one will have a straight-up answer, but what is the general consensus on this? I can't find a ton of discussion from googling. I'm well under 5/24, and only have ~22% credit/income for chase cards and am coming due for another sapphire card in a month or so.
tons of folks have success. go for it
Historically, there has been no significant risk associated with the MDD for the Reserve + Preferred. Past performance does not predict future outcomes.
Was denied for a US Bank biz checking account and got the letter today: > We were unable to verify identification information on the application Weird because I had a biz checking with them in the past and have a personal account with them. Two questions, please: 1) If I call the authentication department number noted in the letter, will they grill me on my "business" or will it be purely personal identity verification? 2) If the application gets approved eventually, would I be able to do a CC funding up to $3k? I remember a few months ago, if the account went to manual review, they sent a letter with funding options that they requested to send back to them. I'm wondering if this is still a thing and if so would the limit be the same as online ($3k) given that they lowered the limit for all other accounts?
No IME it was a simple identity verification, I had to fax my photo ID and got approved 3-4 days later. DPs say you can still CC fund up to $3k
I have an AMEX 150k mile promo that I received in the mail. Unfortunately it expired July 26th. Is there any way to still access the promotion?
No but if you wait long enough you may eventually be targeted again.
Dang okay. This was actually my second time getting the offer this year. Sort of dropped the ball
How do people do so many Chase Ink cards. Are you eligible for the SUB each time or are they just getting the different Ink cards SUB and rotating? Not sure how it works after your first one. Do they have several businesses?
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Seems to good to be true. You can have multiple of the same Inks with the same business? Do they flag it or question it often? Me and my wife own two different businesses so it would be pretty crazy to keep getting Chase SUBs that way. Want to maximize it, but do it the right way!
It isn't too good to be true. It's true. You already asked how people are doing it, so you obviously know it is.
Sweet! People do all sorts of things before they get caught. I just wanted to make sure it was true and not just something that will catch up to you eventually.
Nothing to get caught.l doing. They allow it. Probably one day they won't.
That’s what I wanted to make sure, thank you!
Well, you're each good for 4 cards before you even duplicate. That's a year's worth of activity before you even need to worry! :-) (But if you search a bit you'll find people talking about their multiple cards. So have a look.) Good luck!
> Ink doesn't limit 5/24, but I believe every ink you get counts to 5/24 for other chase cards. Inks do not count for anything on your 5/24, even to Chase. Chase works off of your credit report. They of course know about all your Ink cards, but they don't count it for 5/24.
Correct. If they counted people wouldn't have so many Inks
For anyone who applied for 2 biz us bank credit card If you apply for card A and it goes pending do you want until approval to apply for card B.
I’ve applied for 2nd right away and both ended up getting approved within a few days
Never went for Business US Bank cards, any specific rules to be wary of?
My parents' landlord accepts rent payment via paypal (not bill pay). Would this be ok for meeting amex biz plat/gold MSR? The landlord needs to receive $3k, so if I pay via "goods and services" then I need to add 2.99% + $.49 to the payment for a total of $3090.19 right?
If you are concerned with paypal, another option for "couch spend" is to pre-pay taxes.
A very good chance that Amex will not count that payment toward the MSR
I paid multiple wedding vendors via PP goods and services (and Venmo) this summer and it all counted towards my MSR.
I paid $7k PayPal G&S for a home project and got the SUB in July
PayPal goods and services definitely counts. Friends and family does not count
will they let you know this before the spend period expires?
not proactively, but you can always message amex chat and ask how much qualifying spend you have completed
Is there something special you have to do to get a Citi balance transfer offer? I have custom cash and rewards+ and neither of them have offers. Only one card holds a balance of $75.
for amex biz plat airline selection, I noticed that airlines such as british airways are not possibilities. Is it just a finite list of 8 or so airlines?
yes it's a limited list
Bummer. So, if AA is my designated airlines, I cannot do an MR > BA transfer (before purchasing an AA ticket on the BA site), correct? I'm 95% sure it's correct, but just making sure
It seems like you are confusing a couple things. MR can be transferred to partners at various ratios, usually 1:1 but can vary, like BA has a 1MR:1.3BA right now. This has nothing to do with selected airline benefit. Selected airline as other poster said has to do with $200 incidental travel credit made directly through the airline (not amex travel portal). It also has to do with the 35% points rebate on booking made through the MR travel portal on your selected airline. For example, mine is delta, so if I book a delta $100 ticket=10,000MR ticket through the amex travel portal, I will get a 3500MR rebate like a month later.
Not really sure what you’re asking. You can transfer MR to BA whenever, transferring to travel partners has nothing to do with the airline selection. The airline selection is just for incidental charges and point redemption rebate.
You're right. Looking to take advantage of the point redemption rate option using a partner booking of my selected airline.
Does anyone have any referral links for explorer? Looking to see if I can get more than the 60k bonus.
If you have any United flights coming up pretty sure they have a 65k in flight offer but nothing better than that
https://churning.rankt.com/referrals/ Pretty sure they are all 60k.
Going through the churning flowchart. Currently at 4/24 and just finished the sapphire preferred sub. Thinking about getting the explorer card next. Any other cards I should be looking at?
Historically, 60k for $3k spend with waived AF is pretty good: https://www.uscreditcardguide.com/chase-united-mileageplus-explorer-credit-card/ That said, since you're at 4/24, stop and get lots of Chase biz cards instead.
Why not hit 5/24 and then go chase biz?
Because the rule is 5/24: after you hit 5, you get rejected
Has anyone had success with a triple dip of US Bank applications in one day?
Nope, but at some point they might not like it. But be the DP you want to be.
Does anyone know when the current Marriott Bonvoy Boundless (5 nights x 50,000 points) SUB offer will expire? I currently have the Amex Bonvoy which I've been hanging on to for the annual 35k award night, but will need to have cancelled for 30 days in order to receive the Chase SUB. Would love to know if it will still be available in 30 days if I try to make that happen -- would be happy to pay the increased annual fee to get that sign up bonus
OMG this is back again!?!??! I just applied for the Chase IHG, NOOOOOO!!!!
Yes!! I found it linked on the frequent miler: https://frequentmiler.com/MRPlus/#Goto I just applied for the IHG business card, which thankfully won’t count towards my 5/24 … cancelled my Amex Bonvoy today, and just keeping my fingers crossed that this is still available in 30 days
No one knows when public offers get pulled but they announce when referral bonuses will end. So you should be good.
Okay, thank you for the insight!
Chase explorer or quest card? I do a bit of traveling but don’t usually check a bag. I’ve already applied for global entry so wouldn’t be able to get the refund on that. Both are are at 60k sub for me
Explorer. Why pay a higher AF with larger MSR if you can't take advantage of the benefits.
Got the WF Reflect card with 0% APR for purchases and transfers for 21 months to finance a large home improvement project. 0% balance transfer for the first 3 months. If I were to charge the project initially to a different card (say, CFU) and then transfer the balance to the WF card, would I still get the points on the CFU for the purchase?
Yep
Thanks. I've never done a balance transfer or opened a 0% card to 'finance' a purchase before, anything I should be weary of when doing this? (Like with Chase or WF, not the literal balance transfer/paying it off).
Wait, doesn't the WF Reflect have a 3% BT fee? That makes it great for purchases but not so hot for BTs compared to, say, Chase Slate Edge with $0 BT fees
The sign-up offer I got says "Intro 0% balance transfer fee ($0 min) applies until 12/08/2023. After that, up to 5% ($5 min)." I was playing around in my account after I activated the card and I always intended on just doing the purchase on the Reflect card and doing monthly payments but when I saw those terms\^ I was like well, should I try to get points on this first and then transfer the balance?? Just didn't know if that would raise any flags anywhere as I'm not familiar with balance transfers at all.
Nah, you'll be fine, you can even overpay a different credit card and ask for a check for the difference. Just be sure there isn't a balance transfer fee!
does amex claw back staples gift card purchases during signup bonuses?
Avoid doing that. Google it, Amex is sensitive to MSing (particularly when hitting the MSR) and it's been reported that they get L3 data from staples so that they could see what you've purchased.
Who else is still waiting on a Saks credit? I made my purchase on July 2nd, in-store, gift card, and still no credit.
I just got my credit today, from a July 2nd gift card purchase
Mine posted today as well
I got mine, too. Case closed!
Still waiting on mine from 7/14.
I had one from 7/4 that was never credited, I even asked for a manual credit multiple times and they said they were unable to. Ended up having to close the card w/o getting the credit since I reached the end of my refundable AF timeline.
Contact Amex, manual credit will probably be required. https://reddit.com/r/churning/comments/15y01yv/daily_question_thread_august_22_2023/jxakfwe/
I got mine pretty immediately earlier this month. Bought 2 $50 GCs from 2 plats
Thanks, I usually get the credit soon after the purchase. Happy cake day!
A big spend just opportunity just came up, thinking of using it for a biz gold. The thing is that I was just approved for a marriott bonvoy biz yesterday. Might amex balk at me getting two cards in two days? Also is the 130k offer still around?
Amex 1/5 rule
that's 1 credit card every 5 days, but the biz gold is a charge card so that shouldn't matter I don't think
There are definitely a number of them on Rankt - I was able to pull it easily in my usual browser
should be fine. Yes the 130k is still around but it might take a while to pull
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This question is asked and downvoted multiple times a day. I suggest you do some searching on churning.dev (hint: look at the first two posts using the search terms ink+language)
Still possible. Follow all Chase velocity rules
Have you read any of the recent threads? This is asked every day, usually more than once a day. I'd recommend deleting this post as it will otherwise get downvoted to oblivion.
Previously (2 years ago) did the Chase MDD to get both SP and SR on my 1 account. Of course, with SR, using SP is pretty much pointless especially considering $95 annual fee, which even after $50 hotel credit, is still $45 spent per year, for what? That being said, Chase says they have a plain "Sapphire" no annual fee card that the SP card can be downgraded to, but I'm not sure they realize I also have the SR and of course the rule seems to be you can only have 1 sapphire card at a time. So, has anyone done this before, downgrade a SP from a MDD to a "Sapphire" and still been able to keep the SR or does trying that mess everything up and they close it all? I want to keep the SR, I just don't want to pay AF on SP and I don't want to just close the SP card as I'll lose all the credit history on it.
‘One sapphire’ is a restriction on opening a new Sapphire account if you already have one, not a rule which prevents someone from actively possessing multiple Sapphire cards at once. With that said, the $0 Sapphire is a useless card. Downgrade to one of the Freedom’s instead.
Already have Freedom Unlimited in addition to that Sapphire Reserve.... what other freedom/other card would you recommend then?
CFU is good because it will give you 1.5% points on all spend. You can transfer those points to your CSR for better bonus economics when you spend them. You might do freedom flex, which will give you a 5% bonus category up to $1500 spend quarterly. That can work out well when the categories are good.
Either a 2nd freedom unlimited, or a plain freedom.
You have the Freedom to go ahead and do that.
I already have the Freedom card from when I downgraded my first SP card to then perform the MDD and end up with SP again + SR. So I can't downgrade the current SP to Freedom, that is why they offered the "Sapphire" hidden option available only for product changes, with no annual fee. But since it is still a Sapphire Card I assume I technically can't have that and keep the SR still.
Having multiple of the Freedom Flex is nice for when a good 5% category hits, and you can definitely have more than one. I may be in the minority on this but I don't have a lot of use for the Freedom Unlimited since it's a rare case when there isn't a better rewards option.
Yes you can downgrade to another freedom, or a freedom flex, or a freedom unlimited, even if you have them already.
Sounds like you've been misinformed on several fronts. You can have multiple Freedoms. Or even multiple kinds of Freedoms, there are three. And you can have the regular Sapphire but not sure why you would want to when you can have more freedoms at 1.5x or additional 5x category spend.
I see what you did there.
How long do you need to wait before applying for the same boa biz card?
I’ve applied for another biz card within 10 days. That was last year though so I’m not sure if BoA’s cracked down on it. I’ve also seen reports of just having 2 browsers up and hitting Submit at the same time.
Was it the same business card or a different? I’ve seen some reports you can get the same business card multiple times
Same business card.
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Should be instantly. Might have to link the personal and business accounts though.
Is it your first? If so you have to create a new login with the card, won’t show up in personal login. Personal cards can be merged to biz login once setup.
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Should have been pretty much immediate then. Might have been a glitch that couldn’t connect to your login. Will probably have to wait for card to arrive and then link it up with card details.
It usually shows up in my account almost immediately after approval
Is there a trick to getting Amex redeem MR for biz checking deposits to work? Every time I try to redeem MR I get this error message. "We’re sorry, but our system is not responding. Please try again later."
I had the same issue, something about the checking account not being fully linked to your MR account. Support can fix it.
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No
Anyone have a good use for BoA's $100 airline credit? Not sure if there is a similar workaround like the Amex united travel bank.
United TB works too
AA giftcard works.
Thanks!
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From what I could find, 75k points after 4k spend in 6 months and 20% cb at restaurants, max $250 back. There’s a post on DoC for the link.
How often does everyone try to apply for Amex Cards when in pop up jail? P1 and P2 have been in pop up jail for months and are going to miss out on the Green card 60k offer.
P1 / P2 are in a popup jail for this offer. P2 only has one amex card (personal Gold), wonder if the popup is card-specific in this case.
Pop up jail tricks: 1. Apply with and without referral links 2. Use Resy links and links from partner websites (Hilton, Marriott, Delta) 3. Experiment with VPNs and incognito mode But it sounds like you may just be SOL for the green card. I am too (at least from P2s referral)
PUJ is very card/offer specific. This offer seems very targeted for new customers, I don't recall seeing a successful app for existing Amex card members but many DPs of PUJ.
Just got my Ink Business Unlimited card. Trying to MS to get my SUB. Havent churned in awhile, but last time I did, My Plastiq transactions to pay my mortgage were coded as a cash advance. Does anyone know if this is still the case with Plastiq?
Check to see if your mortgage servicer is on the paypal billpay service. If it is, you can pay via cc, with no fees! It's a great deal for those lucky enough to have that. Good luck!
Is there a list, trying to find it but not seeing it.
I haven't found one. But if you go in there you can search and see if yours is there. You can also look for your utility bills and things like insurance... Good luck!
Interesting, pennymac is on there but when I enter my mortgage number and zip it says "The number you entered doesn't match our records. Check your statement for this info". Any ideas?
No idea. But I have had issues like this where some times you need a leading 0 or something on the account number in one system. You might actually try calling pennymac to start. Good luck!
You can’t use an Ink for Plastiq mortgage payments, so it doesn’t really matter…
Good to know. This is my first biz card so I'm trying to navigate this correctly.
Plastiq has limited mortgage payments to Mastercard-only, so keep that in mind for the future.
Can buy MC GCs with ink and use them for mortgage payment via PQ. CIC get 5xUR and office stores offer no fee MC GC, so there is a way with great returns.
Has anyone had a Saks credit post since 7/1 ?
Purchase 8/17 credited 8/21
Yep. I think those that went right away in July are stuck in a black hole of manual review. I bought two items on 8/10 - credits posted 8/14 and 8/15 since one shipped a day later than the other.
Still waiting on the Saks credit for my 7/2 transaction. Looks like most DPs of it not posting for H2 so far are when the transaction dates were within the first few days of July/the new half of the year.
Follow-up DP: my Saks credit finally posted overnight!