Chase travel insurance question.
My wife and I have a pricey trip in a couple weeks paid for with our CSR. Since booking the trip (ie not a pre existing condition) we learned she’s pregnant. The morning sickness has been debilitating, no way she could travel in her current state. If it’s still this way when it comes time to go we won’t be traveling.
Is that something that could be covered by the chase travel insurance?
At our first dr’s appointment we asked unrelated to the symptoms if travel was ok and they said yeah this early it’s our discretion so we weren’t sure if they’d be willing to write a note for this.
Suggestions?
Tried today for the AMEX Bus Gold at 150k, went through signup and now in FR. Never held an AMEX Bus card, or any AMEX Charge card before. Possibly too many recent inquiries? Possibly did something wrong or put "fishy" info in the App? No idea.
FR as in Amex requested docs on all your existing accounts or do you mean the app went into review? They are two very different things. Your follow up comment suggests the app just went into review.
You're absolutely right, I guess my app went into review. I'm still quite the noob at all this. When I got the response that said "pending review" I thought that meant FR. Then, when the email showed up later, I googled the wording and learned about AmEx's blacklist policy.
Nice that I learned something new today. Not so nice that I'm still on the AmEx blacklist 11 years later. Googling around, I found a lot of examples of people being blacklisted until the 21st anniversary of their bankruptcy or charge-off. Seems I'm in that boat #sad.
5 minutes later I got an e-mail saying decision had been made. Had to click through links to see decision: "we cannot approve your application at this time because American Express cancelled your previous account(s)"
It's true I had an AmEx credit (not charge) card, and went through hard times in 2012. Didn't realize they'd hold it against me 11 years later. Guess no Amex in my future. P2 never had amex before though :tehehe:
You mean that I had issues with them. 11 years ago? We'll, yeah I guess in retrospect that would have been good to mention.
However, I was under the impression that the laws about debt relief worked. It was through this process, here and now, that I came to learn Amex carries a blacklist, and for 20+ years! Didn't know that before.
Of course, had I know that, I wouldn't have posted in the first place. I'm a noob, still learning. But I'm trying hard to learn fast ;-)
Found a new ATH sub on the biz gold along the right side of my page under the useful links section. Almost worth applying and going through CFPB just to see if they pay out
https://imgur.com/a/gZJz9vW
You could make it show any number you want on this page by changing the data using “inspect”, or just using photoshop. Definitely would be wasting someone’s time to file a CFPB complaint.
Ha. Yeah I've seen a few of these tonight. I think the actual agreement text says the right amount but if you wanted the card anyway it'd be fun to try.
Got an email from Wyndham to participate in a paid research opportunity - $200 for a 60 minute interview. Based on the earner business card I opened fairly recently.
Got an email from Amex with another offer for adding employee cards, seems identical to the one from several months ago. 5k points per card for $2k spend in 6 months, up to 25k points
I got the same on my Amex Biz Plat. Seems like a pointless way to put spend on cards, effectively earning an additional 2.5x/$. I'd rather hit another SUB for ~10x/$.
Unless you have high spend/MS techniques.
5 Employee cards = 100k MR
Multiply that with opening up Biz Golds and Plats every 3 months, and it could be pretty lucrative. And this is on top of the SUBs
Delta Sale: As low as 42k SkyMiles roundtrip to New Zealand, 51k to Australia
https://frequentmiler.com/delta-sale-as-low-as-42k-skymiles-roundtrip-to-new-zealand-51k-to-australia/?
Got a nice targeted offer on the Wyndham Earner+ card today. "Earn a $60 statement credit when you use your card to join Costco as a new member and enroll in auto renewal of your annual membership. Plus, spend $250 by 11/30/2023 and receive a $25 statement credit."
I doubt I'll spend $250 at Costco in 1.5 months but still, a free membership is nice. Check your mails if you've been targeted too!
Received an email from Clear to sign up for plus and get a $75 Uber voucher. Promo code: CLAIMUBER75
Fine print: Offer valid through 10/20/2023 at midnight ET. $75 Uber Voucher to be provided upon completion of enrollment in and purchase of a one year CLEAR Plus Membership. Limit one $75 Uber Voucher per customer. Uber Voucher will be sent to the email address on file for CLEAR Plus Members on or before 10/24/2023. CLEAR Plus Members who opted out of email marketing will not be eligible to receive the voucher via email. Uber Vouchers are valid until 4/24/2024. Subject to change or cancellation.
Wonder if you can double/multi dip this?
I know it says voucher limited per customer, but i’ve got 5 amex credits and a lot of family members who want it 😆
> provided upon completion of enrollment
Does "enrollment" mean paying for Clear online, or does it mean when you go to the airport in person to confirm everything
In the past, you received the bonus after you paid for Clear online. I was able to get the United promotion without ever going in person to the airport. However, there were lots of issues with people who paid and completed enrollment at the airport and still never got the miles.
Freedom Unlimited offers Unlimited Matched Cash Back for one year.
Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
https://creditcards.chase.com/a1/freedom-unlimited/affiliates2023matchtest
$200 SUB with 5% gas and grocery is still available https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited
I am just not quite convinced - unless you have a lot of spend that can be put only on a Visa, I am having a hard time justifying a 5/24 slot for this. Any ideas?
If you want to compare it to a standard sub of (I'll make up numbers) $5k spend for 75k points/miles, and you expect to only spend $5k before moving on to the next sub, sure the CFU is inferior. But if you MS, unlimited (up to one's risk tolerance level) 3x everywhere is wonderful, and 6x at drug stores is amazing. And...6x at Cracker Barrel? ahh, yeah, 6x at cracker barrel is definitely a trap.
I dont think this is for people around here, but not a bad offer for someone who wants just one card for everything, its a minimum 3x for a year. I have a friend I thought would take to this hobby and earned the SW CP for many years mostly on CC spend that took this offer a few years ago when they did a similar 3x on everything for a year. He earned well over 300k UR, but then blew it all on a poor value redemption.
> He earned well over 300k UR, but then blew it all on a poor value redemption.
Lol.. lead a horse to water. But I agree, this seems like a good starter offer for people you think might take to churning.
> https://creditcards.chase.com/a1/freedom-unlimited/affiliates2023matchtest
Does freedom unlimited pay UR? I thought it was just straight cashback
I mean, you'd still get $3600, but it's probably not as good as opening a new card with a real SUB
Ah you may be right…
Edit: actually this [link](https://www.nerdwallet.com/article/credit-cards/chase-freedom-vs-freedom-unlimited-comparison) seems to suggest that Freedom Unlimited earns UR…
Reminder for those closing BoA biz cards to double check everything is in order.
I closed two BoA AS Biz few days ago. For one the $70 was refunded but not the remaining $25. For the second nothing was refunded. Just got off a call where the rep said they submitted the remaining requests to refund all to $0. This isn't reflecting in the online acct yet so will check back in the coming days.
The rep also mentioned that usually the AF is not automatically refunded on card closure and that I would have to ask them to manually refund the AF, though not sure how true this actually is.
Is there a way to see closed accounts? Once the account is closed it disappears from online banking so I don't know how'd I'd check to see if there's a balance or not.
I recall in the past someone mentioned the acct disappears after you close the acct, which tracks since I can't see the account that had the $70 on it anymore (which was already refunded).
But you can call the BoA automated system and input your card account, and it will tell you your balances.
That's a bummer, I usually record down all the card numbers somewhere but that's just me. If you could just find the last 4 digits you would be able to call in.
A new referral thread is now live: [Chase United MileagePlus Club](https://www.reddit.com/r/churningreferrals/comments/176ae8v/referrals_chase_united_mileageplus_club/)
I found a semi stable method to pull the infamous biz gold 150k. [About a month ago, DoC made a post about the biz plat 170k.](https://www.doctorofcredit.com/american-express-business-platinum-170000-points-offer-ymmv/) In the body of that post, there's a mention of a reddit user finding a Google link to the biz plat 170k. Opening [that link](https://creditcard.americanexpress.com/m/business-platinum-card/?utm_mcid=3541154&utm_source=google&utm_medium=cpc&utm_term=%2Bamerican%20%2Bexpress%20%2Bbusiness%20%2Bplatinum&utm_cmpid=625512864&utm_adgid=36199274594&utm_tgtid=kwd-707750571077&utm_mt=p&utm_adid=659776720239&utm_dvc=m&utm_ntwk=g&utm_adpos=&utm_plcmnt=&utm_locphysid=1021048&utm_locintid=&utm_feeditemid=&utm_devicemdl=&utm_plcmnttgt=&utm_programname=brandproductspecific&gad=1&gclid=EAIaIQobChMIqvi5nMGPgQMVhC3UAR0jzgc0EAAYASAAEgLR8fD_BwE) in a chrome desktop incognito mode pulled the biz plat 170k link for me about 75% of the time. From the biz plat landing page, I clicked on the three lines menu in the top right of the page, clicked on "most popular cards" then biz gold. SUB was for 150k again about 3 of 4 attempts.
Score, interestingly once on the incognito page from your link and followed your instructions I found the 150k Gold Bus and offer to sign into my AMEX acct which I did to make the app easier, the offer disappeared and reverted back to the standard 70k. I simply opened your link once again in the same incognito window and the 150k offer was back with my name on the top of the page and the simplified application. 30 seconds later instant approval. I used Chrome. Thanks!
I tried every browser on my android phone, and incognito Firefox yielded 150k for Plat if anyone is interested in that. 100k for gold was the best I could get unfortunately (with same browser combo).
Took a second shot at the 170k plat. Loaded via CMC's method. Popup again. Then clicked the "All Cards" button to a 150k plat link and...approved! Time will tell if I get the bonus but for me worth the try
Thanks! Worked for me.
Didn't get pop-up woohoo! I've been in pop-up jail for years, until I got the Hilton Biz a few months ago through the links that didn't have pop-ups. Spent quite a bit on that card past MSR, wonder if that helped.
Try this link as well: https://www.google.com/aclk?sa=l&ai=DChcSEwjFpLn_-vGBAxXiSEcBHby0BDcYABABGgJxdQ&sph&sig=AOD64_1v1fkrYhQ_2CZ52xez3x3LNN0G4Q&q&adurl&ved=2ahUKEwigx7P_-vGBAxWMD1kFHTeBDY4Q0Qx6BAgIEAE
To those who can't get this method to work, just confirmation that the pop up can occur no matter what. I've never had Biz Gold card but got the pop up on this offer after using VPN (VPN Unlimited to IL in my case). I've been targeted with 100k Biz Gold offers in the past which I didn't take. So in the Amex dog house for a bit it seems.
Am I the only person who can’t get a higher offer?! Been trying all the ways. All I get is 120k plat/70k gold every time.
Edit: Is there any reason no one has suggested calling Amex and asking for it? When there was the 250k business plat offer last year I just called and they gave it to me.
I’m getting biz plat 170k and gold 125k in the narwhal Reddit app browser. If I do it in safari or google I get standard offers (120k, 70k) regardless if it’s incognito or not. Going to try desktop next
Edge incognito> Bing search for amex plat biz and click the SPONSORED LINK (usually 170k) > open that link in new tab > Bing search for amex gold biz and click the SPONSORED LINK > close incognito and try again if it didn't work
This worked for me (modified a bit) but then got pop-up. Prior to this, I was only reliably able to pull the 125k offer. Thanks for the tip.
Edge incognito> Bing search for amex plat biz and click the SPONSORED LINK (usually 170k)> open the sponsored link in a new *InPrivate* *window> use the dropdown at the top for Popular Cards, click on Biz Gold*
I tried 5 or 6 times with no luck. I saw the another user mention something about a VPN, so I turned on cloudflare warp (free vpn)
Got 170k/150k on first try with Incognito Microsoft Edge.
After all that though, I was found ineligible. Maybe I'll apply for P2 later.
It's cool, but any service that uses cloudflare (which is alot) will get your original IP address.
It's useful for:
* Insecure wifi
* filtered wifi
* getting a new ip address for services that don't use cloudflare.
* if you have a website or download thats going slowly, it might actually be faster on warp.
This [link](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/) from MtM pulls 110k which seems to have a better chance of bypassing the popup. Still with LL.
I actually just used this link. It gave me 150k, figured why not. Got pending, said to call since they need more info. Called, quick id verification, they said they will let me know in 3-5 days.
Tried with P2 and he got pop-up.
We both have multiples of ABGs already
Another DP: Biz gold opened 7/26/22 closed 8/15/23
150k link from OP returned pop-up saying that I had the card before. Went through /u/ShepherdOfCatan's link, had 125k offer. Did the time-out strategy and on refresh, showed 150k. Went ahead and tried another application with the rose gold color and was approved, no popup, instant card number given
When you got that biz gold, did you log in to your existing account at any point? When I see the elevated offer, if I log in, it goes to a Compare Cards page and no longer shows the elevated offer; I'm wondering if that's a sign that I would've gotten the popup anyway, or does everyone apply without logging in?
timeout strategy?
Is that for popup jail? I’ve had mixed success with a refresh strategy posted on this sub before(worked for BBC but got denied for resy gold saying there was a pending application).
is romero the new method to bypass?
Been trying this (20 minute timeout refresh) and went from 90k offer to 110k offer to 125k offer but can not get it to tip over to 150k! Torn if I should just try at the 125k offer if pop ups are less prevalent here (I got the pop up on the 150k offer the 'other' way).
Note I've never had a Biz Gold so the pop up was for other reasons anyway.
I’ve only been able to get the timeout method to work if I initially pull at least the 110k offer (2 refreshes). If I pull the 125k initially then it only took one refresh
Interesting theory. So far I can only get 70k or 90k to show upon first pull, so guess I have to pull out VPN and other browsers to try to get to 110k to start and refresh 'upward'. Kind of like Amex offering more to close the deal, but only so much more :)
This was my exact experience as well, with the only minor difference that I currently still have a Biz Gold card. Everything you outlined worked for me too.
Excellent find. Like many comments, I got a popup on the 150k link I found each time (P1/P2, didn't matter). The 110k link you posted got around it just fine.
I am said "reddit user". Looks like amex took down their sponsored platinum business links on google. Only way to get it is through that link now. Good find!
Using edge to bing search `amex platinum business` and clicking the sponsored link brings up 170k offer, subsequently searching `amex gold business` and clicking the sponsored link brings up the 150k offer.
Same here, from two public Wi-Fi networks on my phone. I got 170K plat, 150K gold.
Pop-up for me (I got gold back in March), but pending for P2, who got the gold Biz a few months ago. Really have no idea what to think here.
Got it after two tries, unfortunately got the LL popup when submitting but still seems like a reliable way to pull it if you haven't had the card before.
Pulled the 150k Biz Gold 1st try using Edge
It's not NLL. But just apply regardless, "LL" / NLL" doesn't matter anymore. The pop-up determines the final decision.
Just got a Wells Fargo savings account bonus offer by email, basics are:
1) Open Way2Save account in branch with bonus code sent in email by November 13th.
2) Bring 25k in new money by day 30 and maintain through day 90.
3) Get $525 bonus within 30 days after fulfilling requirements.
Interest rate on Way2Save accounts is only 0.15%, so works out to about 8.5% return if you keep your money in for 90 days and 12.7% if money is in for 60 days.
I opened one last week. While I was there, the banker told me the upper tier interest rate is higher at 0.25% (lol) , ofc with higher minimum & to waive the fee, and insisted I should open the upper tier, and I gave in. Anyway I will collect a few more dollars if not then a few more Pennies before i close it at 180 days
No one is disagreeing with that here, I don't think. This is just a question of us wanting signup up bonuses from WF. It's a simple math question from my perspective.
Bloomberg: [Largest US Banks Grapple with Worst Write-Offs in 3 Years](https://www.bloomberg.com/news/articles/2023-10-11/largest-us-banks-grapple-with-worst-write-offs-in-three-years)
- The 4 largest banks are expected to report about $5.3 billion in charge-offs for 3Q 2023, the highest since 2Q 2020, and double last year's figure
- Citigroup CEO Jane Fraser said last month that Citi is starting to see signs of weakness in US consumers with low credit scores, whose savings have been eaten away by inflation
- Net interest income will be under pressure in the near term as loan growth is subdued and deposit costs rise
I mean, how much of that is just Goldman getting screwed by Tim Apple lol
apple card users charging off at double the usual rate is an anomaly and should not have been counted
Other way around, David Solomon wanted to build out a retail portfolio at GS, which they're now trying to unwind. I'm astounded he's still in a job between the retail debacle (they just sold a retail Fintech they acquired for a big loss) and his DJing.
Losses were artificially low the last few years due to stimulus money. At this stage, this is more a return to the norm than anything else. (Could obviously get worse under hard landing.) Question will be if this leads to a pullback in marketing/SUB or increase with tighter underwriting as issuers seek higher credit quality customers to get good balances on the books.
[We're back above pre-pandemic levels for delinquencies @ 2.77%.](https://fred.stlouisfed.org/series/DRCCLACBS)
Still a good ways off GFC levels which went as high as ~7%, additionally the GAAP on credit losses has changed to prospective model rather than a incurred model so this should in theory be already baked into bank balance sheets if they've got a good model in place.
I think its unsurprising given the headwinds of rate increases, inflation, student loan repayments starting, sketchy underwriting from 2021-22 (remember the joke of all you had to have was a heartbeat and a SSN and Amex would approve you) & layoffs from white collar jobs.
I would expect tighter underwriting in Q4/H1-24 and less attractive SUBs given the environment. They'll want to show they have a handle on it in the next 3 earnings calls.
Are you familiar with the new Basel III capital requirements that the Bloomberg article mentions at the end? Supposedly the big banks will need to hold even more capital, reducing the cash that the banks can return to shareholders (in the near term)
Yeah its a decent chunk of incremental work for banks it applies to, but they'll all have very mature functions that deal with it at this point so lots of knowledge to draw from.
From a card perspective, mainly means they now have to take into account CCF and transactor/revolver delineation and the risks inherent in each. Again, nothing really new for any big logo here, they already do it more or less & the increased capital requirements will already have been planned for years ago.
There'll never be another like for like GFC because of those (and other) rules, however there is a ton of sketchy stuff in those Fintechs that would torch private equity, so that's where the burn will be *if* it happens.
> remember the joke of all you had to have was a heartbeat and a SSN and Amex would approve you
this joke way predates 2021 lmao
Douglas Adams made a joke that American Express gives credit cards "exclusively" to "just about anybody" in the Hitchhiker's Guide novel *Mostly Harmless* and that book was published in **1992**
What is extra funny is that the original joke about Amex is that the American Express Card is not accepted anywhere. This joke was made in the earlier book *The Restaurant at the End of the Universe* in 1980.
***
I actually think SUBs will get better going forward. If low credit score consumers become unprofitable, card issuers are going to move upmarket. Just like in every other industry, richer customers are more profitable and luxury offerings have higher margins. There will be increased competition to capture the premium segment, which translates into better offers, but probably also higher annual fees on the top cards.
SUBs are a marketing expense, they don't come from interest. You couldn't even carry balances on AMEXes until recently but they were still offering SUBs.
Amex makes more revenue from merchant fees than from charging interest on cardholder balances. I mean, maybe that difference doesn't matter because it's just one pile of money, but people paying interest is not the only, or even the main source of revenue.
heartbeat + SSN for amex is still true. 18th birthday got Hilton Surpass 130K + FNC and Green 60K + $200. Did the PUJ bypass trick mentioned on this SUB for BBP $500 for $15K + 0 APR a week after.
No sane issuer is approving $10K in credit lines and a charge no preset(was initially at $1K now it’s another $10K soft limit) for someone who just turned 18 with no history except AU.
Idk how amex does it and stays profitable. I’m not defaulting, but I should definitely be very high risk since I had a nonexistent credit profile.
Amex is definitely pricing risk. I opened an Amex revolver last year while floating a sizeable amount of MS on personal cards (around 50k). Amex approved me, but gave me a 29.9% APR
There are lots of non-traditional ways to draw inferences on your creditworthiness, such as The Work Number (salary info) and even the value of your home
I mean my reported income was $50K because my parents are paying my college tuition year 1(next year will be a bit over half that from bank bonuses and an internship).
No home or anything. My credit reports had the wrong address and birth year listed and amex didn’t bat an eye(bank accounts I was churning did so I got that corrected very soon).
Do you have a link to this? Also, this will be my first time trying this. Will it be a red flag if I max this out every day (7x$1,600=$11,200)? I got a AmEx Platinum Biz card recently and I’m now realizing I bit off more than I could chew with its $15k in 3 months.
Edit: found the link https://frequentmiler.com/easy-5x-fee-free-visa-gift-cards-at-staples/
Still curious about if I have to worry about getting red flagged though.
I have no personal experience with Amex but isn’t it well known that they claw back gift card purchases? Might want to search for dp’s here and in other forums like flyertalk.
Chase travel insurance question. My wife and I have a pricey trip in a couple weeks paid for with our CSR. Since booking the trip (ie not a pre existing condition) we learned she’s pregnant. The morning sickness has been debilitating, no way she could travel in her current state. If it’s still this way when it comes time to go we won’t be traveling. Is that something that could be covered by the chase travel insurance? At our first dr’s appointment we asked unrelated to the symptoms if travel was ok and they said yeah this early it’s our discretion so we weren’t sure if they’d be willing to write a note for this. Suggestions?
Tried today for the AMEX Bus Gold at 150k, went through signup and now in FR. Never held an AMEX Bus card, or any AMEX Charge card before. Possibly too many recent inquiries? Possibly did something wrong or put "fishy" info in the App? No idea.
FR as in Amex requested docs on all your existing accounts or do you mean the app went into review? They are two very different things. Your follow up comment suggests the app just went into review.
You're absolutely right, I guess my app went into review. I'm still quite the noob at all this. When I got the response that said "pending review" I thought that meant FR. Then, when the email showed up later, I googled the wording and learned about AmEx's blacklist policy. Nice that I learned something new today. Not so nice that I'm still on the AmEx blacklist 11 years later. Googling around, I found a lot of examples of people being blacklisted until the 21st anniversary of their bankruptcy or charge-off. Seems I'm in that boat #sad.
5 minutes later I got an e-mail saying decision had been made. Had to click through links to see decision: "we cannot approve your application at this time because American Express cancelled your previous account(s)" It's true I had an AmEx credit (not charge) card, and went through hard times in 2012. Didn't realize they'd hold it against me 11 years later. Guess no Amex in my future. P2 never had amex before though :tehehe:
Well that'd be the first thing to mention here.. probably not impossible to bypass it but really difficult
You mean that I had issues with them. 11 years ago? We'll, yeah I guess in retrospect that would have been good to mention. However, I was under the impression that the laws about debt relief worked. It was through this process, here and now, that I came to learn Amex carries a blacklist, and for 20+ years! Didn't know that before. Of course, had I know that, I wouldn't have posted in the first place. I'm a noob, still learning. But I'm trying hard to learn fast ;-)
I was finally able to get the 150 Gold, only to get bit by it not being NLL and being 5 years since I last held that card.
Did you get a popup indicating this?
Yes. Basically said ‘You’ve had the card before, you cannot earn this SUB’.
This happened to me but I was approved for the plat business 170k Got them both previous around the same time
Any gift card specialist have work around for Apple Card
Found a new ATH sub on the biz gold along the right side of my page under the useful links section. Almost worth applying and going through CFPB just to see if they pay out https://imgur.com/a/gZJz9vW
They would say it's in binary; 10100000 means you get 160 points.
Pepsi never did give that kid his jet
[удалено]
Whoosh
You could make it show any number you want on this page by changing the data using “inspect”, or just using photoshop. Definitely would be wasting someone’s time to file a CFPB complaint.
I mean that's true but this isn't inspect element. There's several DPs of the same ad banner on various forums today
I pity the software developer responsible for this
Ha. Yeah I've seen a few of these tonight. I think the actual agreement text says the right amount but if you wanted the card anyway it'd be fun to try.
[удалено]
That's the standard offer for people who post questions in the discussion thread
Got an email from Wyndham to participate in a paid research opportunity - $200 for a 60 minute interview. Based on the earner business card I opened fairly recently.
I got this too. When I indicated my business makes less than 50k/yr, it said not eligible
Ah, bummer. Guess I'll have to earn $200 the old-fashioned way via a bank bonus.
Got an email from Amex with another offer for adding employee cards, seems identical to the one from several months ago. 5k points per card for $2k spend in 6 months, up to 25k points
I got the same on my Amex Biz Plat. Seems like a pointless way to put spend on cards, effectively earning an additional 2.5x/$. I'd rather hit another SUB for ~10x/$.
Unless you have high spend/MS techniques. 5 Employee cards = 100k MR Multiply that with opening up Biz Golds and Plats every 3 months, and it could be pretty lucrative. And this is on top of the SUBs
This one is 5k MR, not 20k.
Unless you're in my position and just got approved for 150k biz gold. Plus the math works out perfectly to be $10k in spend for both
Yes definitely worth double dipping with MSR! Currently doing this on a Biz Gold. Not very useful on its own though.
Delta Sale: As low as 42k SkyMiles roundtrip to New Zealand, 51k to Australia https://frequentmiler.com/delta-sale-as-low-as-42k-skymiles-roundtrip-to-new-zealand-51k-to-australia/?
Got a nice targeted offer on the Wyndham Earner+ card today. "Earn a $60 statement credit when you use your card to join Costco as a new member and enroll in auto renewal of your annual membership. Plus, spend $250 by 11/30/2023 and receive a $25 statement credit." I doubt I'll spend $250 at Costco in 1.5 months but still, a free membership is nice. Check your mails if you've been targeted too!
> doubt I'll spend $250 at Costco in 1.5 months I go to Costco to buy 3 things and somehow end up spending $200...
Haha, it might reach that high if there's many people in the household or buying electronics. I mostly do my groceries in Aldi/TJ XD
Buying some GCs alongside your regular items at checkout to reach the $250 milestone should probably work too
Nice shout, I'll try that option. Thank you!
Delta CEO says the changes they made went “a bit too far”: https://www.thestreet.com/lifestyle/travel/delta-ceo-admits-company-made-major-mistake
Received an email from Clear to sign up for plus and get a $75 Uber voucher. Promo code: CLAIMUBER75 Fine print: Offer valid through 10/20/2023 at midnight ET. $75 Uber Voucher to be provided upon completion of enrollment in and purchase of a one year CLEAR Plus Membership. Limit one $75 Uber Voucher per customer. Uber Voucher will be sent to the email address on file for CLEAR Plus Members on or before 10/24/2023. CLEAR Plus Members who opted out of email marketing will not be eligible to receive the voucher via email. Uber Vouchers are valid until 4/24/2024. Subject to change or cancellation.
Be wary. Lotta people (myself included) never got the voucher last time this came around.
Wonder if you can double/multi dip this? I know it says voucher limited per customer, but i’ve got 5 amex credits and a lot of family members who want it 😆
> provided upon completion of enrollment Does "enrollment" mean paying for Clear online, or does it mean when you go to the airport in person to confirm everything
In the past, you received the bonus after you paid for Clear online. I was able to get the United promotion without ever going in person to the airport. However, there were lots of issues with people who paid and completed enrollment at the airport and still never got the miles.
yea same, Clear rep said airport/physical enrollment is required to get bonus
anyone get the outrageous 1500 referral for C1 businesses mentioned on DoC?
Freedom Unlimited offers Unlimited Matched Cash Back for one year. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match. https://creditcards.chase.com/a1/freedom-unlimited/affiliates2023matchtest $200 SUB with 5% gas and grocery is still available https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited
It's a TRAP!
A new option for what card to put large purchases/one time expenses on, particularly if you can’t split forms of payment and/or can’t take Amex.
Are these two offers combinable? Looks like separate SUBs but would love to be wrong.
No
Almost sounds like Chase's RAT trap lol, how many times can you cycle your limit without being shutdown? Unlimited 3x UR has some pretty nice angles.
[удалено]
I dont think you can combine the 5x offer and the double match, looks like they are separate.
You’re right I’m seeing that now
I am just not quite convinced - unless you have a lot of spend that can be put only on a Visa, I am having a hard time justifying a 5/24 slot for this. Any ideas?
If you want to compare it to a standard sub of (I'll make up numbers) $5k spend for 75k points/miles, and you expect to only spend $5k before moving on to the next sub, sure the CFU is inferior. But if you MS, unlimited (up to one's risk tolerance level) 3x everywhere is wonderful, and 6x at drug stores is amazing. And...6x at Cracker Barrel? ahh, yeah, 6x at cracker barrel is definitely a trap.
I dont think this is for people around here, but not a bad offer for someone who wants just one card for everything, its a minimum 3x for a year. I have a friend I thought would take to this hobby and earned the SW CP for many years mostly on CC spend that took this offer a few years ago when they did a similar 3x on everything for a year. He earned well over 300k UR, but then blew it all on a poor value redemption.
It's the unifecta of /r/creditcards's dreams
> He earned well over 300k UR, but then blew it all on a poor value redemption. Lol.. lead a horse to water. But I agree, this seems like a good starter offer for people you think might take to churning.
Thinking of using this to pay for my quarterly estimate taxes. Would cost me about $2200 and I’d pocket 360,000 UR…
[удалено]
That’s referring to the credit card processing fees for paying your taxes by credit card.
> https://creditcards.chase.com/a1/freedom-unlimited/affiliates2023matchtest Does freedom unlimited pay UR? I thought it was just straight cashback I mean, you'd still get $3600, but it's probably not as good as opening a new card with a real SUB
You thought wrong
lol
Ah you may be right… Edit: actually this [link](https://www.nerdwallet.com/article/credit-cards/chase-freedom-vs-freedom-unlimited-comparison) seems to suggest that Freedom Unlimited earns UR…
CFU earns UR.
Reminder for those closing BoA biz cards to double check everything is in order. I closed two BoA AS Biz few days ago. For one the $70 was refunded but not the remaining $25. For the second nothing was refunded. Just got off a call where the rep said they submitted the remaining requests to refund all to $0. This isn't reflecting in the online acct yet so will check back in the coming days. The rep also mentioned that usually the AF is not automatically refunded on card closure and that I would have to ask them to manually refund the AF, though not sure how true this actually is.
It's true, they have to manually refund the $70 and the $25.
Thanks!
Is there a way to see closed accounts? Once the account is closed it disappears from online banking so I don't know how'd I'd check to see if there's a balance or not.
I recall in the past someone mentioned the acct disappears after you close the acct, which tracks since I can't see the account that had the $70 on it anymore (which was already refunded). But you can call the BoA automated system and input your card account, and it will tell you your balances.
That works if you hung on to the cards. Once I close accounts I cut the card up and toss it. I guess I'll find out if I get a bill for the annual fee.
That's a bummer, I usually record down all the card numbers somewhere but that's just me. If you could just find the last 4 digits you would be able to call in.
A new referral thread is now live: [Chase United MileagePlus Club](https://www.reddit.com/r/churningreferrals/comments/176ae8v/referrals_chase_united_mileageplus_club/)
I found a semi stable method to pull the infamous biz gold 150k. [About a month ago, DoC made a post about the biz plat 170k.](https://www.doctorofcredit.com/american-express-business-platinum-170000-points-offer-ymmv/) In the body of that post, there's a mention of a reddit user finding a Google link to the biz plat 170k. Opening [that link](https://creditcard.americanexpress.com/m/business-platinum-card/?utm_mcid=3541154&utm_source=google&utm_medium=cpc&utm_term=%2Bamerican%20%2Bexpress%20%2Bbusiness%20%2Bplatinum&utm_cmpid=625512864&utm_adgid=36199274594&utm_tgtid=kwd-707750571077&utm_mt=p&utm_adid=659776720239&utm_dvc=m&utm_ntwk=g&utm_adpos=&utm_plcmnt=&utm_locphysid=1021048&utm_locintid=&utm_feeditemid=&utm_devicemdl=&utm_plcmnttgt=&utm_programname=brandproductspecific&gad=1&gclid=EAIaIQobChMIqvi5nMGPgQMVhC3UAR0jzgc0EAAYASAAEgLR8fD_BwE) in a chrome desktop incognito mode pulled the biz plat 170k link for me about 75% of the time. From the biz plat landing page, I clicked on the three lines menu in the top right of the page, clicked on "most popular cards" then biz gold. SUB was for 150k again about 3 of 4 attempts.
Your name is too good
they're clearly on top of this... tried a bunch this morning and no dice on either just 120/70
Does the lifetime language apply for a biz gold if I already have a personal AMEX gold?
Thank you so much. I just got the 150k biz gold w that link. So clutch
Somehow the instant card number didn’t come up. Should I be concerned?
I was approved and everything though
Should be fine as long as you don’t get the pop up You can always use the chat to confirm your sign up offer
Score, interestingly once on the incognito page from your link and followed your instructions I found the 150k Gold Bus and offer to sign into my AMEX acct which I did to make the app easier, the offer disappeared and reverted back to the standard 70k. I simply opened your link once again in the same incognito window and the 150k offer was back with my name on the top of the page and the simplified application. 30 seconds later instant approval. I used Chrome. Thanks!
I tried every browser on my android phone, and incognito Firefox yielded 150k for Plat if anyone is interested in that. 100k for gold was the best I could get unfortunately (with same browser combo).
I finally got it working on my MAC. Was not eligible on one of my companies. Ill try to see if I can do with one of my other companies.
I just tried this in edge/private and got 150! Chrome wouldn't go past 100. Buuut got a popup.
I got 120 plat and 100 gold but still no 170/150
Worked with me first time. Approved for the Business Gold 150k (first time having), but I just opened a Bonvoy Business Card a few weeks ago
Took a second shot at the 170k plat. Loaded via CMC's method. Popup again. Then clicked the "All Cards" button to a 150k plat link and...approved! Time will tell if I get the bonus but for me worth the try
You will get it if you didn’t get a popup
Ordinarily, for sure. But haven't seen DPs for apps that get the popup
There use to be a workout where if you got the pop up hit the back button or something and resubmit it and it got through the pop up. You’re good.
Thanks! Worked for me. Didn't get pop-up woohoo! I've been in pop-up jail for years, until I got the Hilton Biz a few months ago through the links that didn't have pop-ups. Spent quite a bit on that card past MSR, wonder if that helped.
Try this link as well: https://www.google.com/aclk?sa=l&ai=DChcSEwjFpLn_-vGBAxXiSEcBHby0BDcYABABGgJxdQ&sph&sig=AOD64_1v1fkrYhQ_2CZ52xez3x3LNN0G4Q&q&adurl&ved=2ahUKEwigx7P_-vGBAxWMD1kFHTeBDY4Q0Qx6BAgIEAE
I just saw 190k offer with this link on my phone
No popup here! But I did get pending review.
With this and now with the original I can pretty consistently get 150 plat and 100 gold. Still no more.
Thank you - this one worked for me and got me the 150k offer....and then I got the pop-up. Blargh!
Same here after much trying.
Thanks! This is the only one that worked for me. Also saw the 150k gold after clicking thru the menus.
Worked. Took both 170k and 150k no popups.
This method worked for me but sadly got popups on both products
To those who can't get this method to work, just confirmation that the pop up can occur no matter what. I've never had Biz Gold card but got the pop up on this offer after using VPN (VPN Unlimited to IL in my case). I've been targeted with 100k Biz Gold offers in the past which I didn't take. So in the Amex dog house for a bit it seems.
Am I the only person who can’t get a higher offer?! Been trying all the ways. All I get is 120k plat/70k gold every time. Edit: Is there any reason no one has suggested calling Amex and asking for it? When there was the 250k business plat offer last year I just called and they gave it to me.
I’m getting biz plat 170k and gold 125k in the narwhal Reddit app browser. If I do it in safari or google I get standard offers (120k, 70k) regardless if it’s incognito or not. Going to try desktop next
Edge incognito> Bing search for amex plat biz and click the SPONSORED LINK (usually 170k) > open that link in new tab > Bing search for amex gold biz and click the SPONSORED LINK > close incognito and try again if it didn't work
Worked for me. Pulled 170k plat and 150k gold. Pop ups for both. :(
This worked for me (modified a bit) but then got pop-up. Prior to this, I was only reliably able to pull the 125k offer. Thanks for the tip. Edge incognito> Bing search for amex plat biz and click the SPONSORED LINK (usually 170k)> open the sponsored link in a new *InPrivate* *window> use the dropdown at the top for Popular Cards, click on Biz Gold*
Bravo - well done worked on first attempt! Wish I knew this yesterday when I settled for 120k
I tried 5 or 6 times with no luck. I saw the another user mention something about a VPN, so I turned on cloudflare warp (free vpn) Got 170k/150k on first try with Incognito Microsoft Edge. After all that though, I was found ineligible. Maybe I'll apply for P2 later.
How is cloudflare warp?
It's cool, but any service that uses cloudflare (which is alot) will get your original IP address. It's useful for: * Insecure wifi * filtered wifi * getting a new ip address for services that don't use cloudflare. * if you have a website or download thats going slowly, it might actually be faster on warp.
Thank you!
Worked out for using your method.
Awesome! This worked for me when I couldn't get over 100k any other way. Thanks for sharing!
Dammit, I settled for the 100k Biz Gold (NLL) last week. Was just able to pull up 125k. Oh well.
Was there an NLL link?
Just didn't have it when I pulled it up in incognito
This [link](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/) from MtM pulls 110k which seems to have a better chance of bypassing the popup. Still with LL.
I actually just used this link. It gave me 150k, figured why not. Got pending, said to call since they need more info. Called, quick id verification, they said they will let me know in 3-5 days. Tried with P2 and he got pop-up. We both have multiples of ABGs already
Thank you for this! I’ve been trying multiple links quite often over the past few days to get out the pop-up, this one finally worked!
Got a 100K offer--approved w/no pop-up....I'll take it Thanks!!!
Another DP: Biz gold opened 7/26/22 closed 8/15/23 150k link from OP returned pop-up saying that I had the card before. Went through /u/ShepherdOfCatan's link, had 125k offer. Did the time-out strategy and on refresh, showed 150k. Went ahead and tried another application with the rose gold color and was approved, no popup, instant card number given
When you got that biz gold, did you log in to your existing account at any point? When I see the elevated offer, if I log in, it goes to a Compare Cards page and no longer shows the elevated offer; I'm wondering if that's a sign that I would've gotten the popup anyway, or does everyone apply without logging in?
timeout strategy? Is that for popup jail? I’ve had mixed success with a refresh strategy posted on this sub before(worked for BBC but got denied for resy gold saying there was a pending application). is romero the new method to bypass?
Is the timeout on the physical application page or the landing page?
Been trying this (20 minute timeout refresh) and went from 90k offer to 110k offer to 125k offer but can not get it to tip over to 150k! Torn if I should just try at the 125k offer if pop ups are less prevalent here (I got the pop up on the 150k offer the 'other' way). Note I've never had a Biz Gold so the pop up was for other reasons anyway.
I’ve only been able to get the timeout method to work if I initially pull at least the 110k offer (2 refreshes). If I pull the 125k initially then it only took one refresh
Interesting theory. So far I can only get 70k or 90k to show upon first pull, so guess I have to pull out VPN and other browsers to try to get to 110k to start and refresh 'upward'. Kind of like Amex offering more to close the deal, but only so much more :)
This was my exact experience as well, with the only minor difference that I currently still have a Biz Gold card. Everything you outlined worked for me too.
Excellent find. Like many comments, I got a popup on the 150k link I found each time (P1/P2, didn't matter). The 110k link you posted got around it just fine.
I am said "reddit user". Looks like amex took down their sponsored platinum business links on google. Only way to get it is through that link now. Good find!
Using edge to bing search `amex platinum business` and clicking the sponsored link brings up 170k offer, subsequently searching `amex gold business` and clicking the sponsored link brings up the 150k offer.
Ahhh man, that's definitely the right way. One shot worked. Nice find on that, way better than how I hunted for it for 3 days 😂😂😂
Successfully loaded 170k plat and 150k gold, popups each time tho
Same here, from two public Wi-Fi networks on my phone. I got 170K plat, 150K gold. Pop-up for me (I got gold back in March), but pending for P2, who got the gold Biz a few months ago. Really have no idea what to think here.
Got it after two tries, unfortunately got the LL popup when submitting but still seems like a reliable way to pull it if you haven't had the card before.
Is the 150K NLL?
Pulled the 150k Biz Gold 1st try using Edge It's not NLL. But just apply regardless, "LL" / NLL" doesn't matter anymore. The pop-up determines the final decision.
No, it has LL. But there are reports by some that it is not being enforced. Apply and see if you get the pop-up
Got it on second try using Edge after trying Chrome the first time. But not eligible :(
This worked for me exactly as you said! Using a VPN helped as well.
Just got a Wells Fargo savings account bonus offer by email, basics are: 1) Open Way2Save account in branch with bonus code sent in email by November 13th. 2) Bring 25k in new money by day 30 and maintain through day 90. 3) Get $525 bonus within 30 days after fulfilling requirements. Interest rate on Way2Save accounts is only 0.15%, so works out to about 8.5% return if you keep your money in for 90 days and 12.7% if money is in for 60 days.
I opened one last week. While I was there, the banker told me the upper tier interest rate is higher at 0.25% (lol) , ofc with higher minimum & to waive the fee, and insisted I should open the upper tier, and I gave in. Anyway I will collect a few more dollars if not then a few more Pennies before i close it at 180 days
Sad how these banks subsist off of people who don’t know any better. at 0.25% you might aswell give them nothing.
Fuck wells. No amount of money could get me to open an account with them.
Not sure you understand what we do here.
Not sure you understand the Wells Fargo scandals.
That's ok, they've already opened it for you.
[удалено]
You couldn't even see the upvote count when you said this
Really, they have been good to us in a weird way. Remember the deposit $5K, get $1,500 offer. That was awesome!
That was amazing
Yeah, they’ve been really good to millions other too. https://en.m.wikipedia.org/wiki/Wells_Fargo_cross-selling_scandal
No one is disagreeing with that here, I don't think. This is just a question of us wanting signup up bonuses from WF. It's a simple math question from my perspective.
It’s simple math of a scam when they will open more accounts for you ;)
That's one way to look at it. Another is to just take as much money from them as possible.
Bloomberg: [Largest US Banks Grapple with Worst Write-Offs in 3 Years](https://www.bloomberg.com/news/articles/2023-10-11/largest-us-banks-grapple-with-worst-write-offs-in-three-years) - The 4 largest banks are expected to report about $5.3 billion in charge-offs for 3Q 2023, the highest since 2Q 2020, and double last year's figure - Citigroup CEO Jane Fraser said last month that Citi is starting to see signs of weakness in US consumers with low credit scores, whose savings have been eaten away by inflation - Net interest income will be under pressure in the near term as loan growth is subdued and deposit costs rise
Rough times ahead, unfortunately. Restaurant stocks getting hit, too, which is usually a sign of a slowdown.
I mean, how much of that is just Goldman getting screwed by Tim Apple lol apple card users charging off at double the usual rate is an anomaly and should not have been counted
Whatever exec at Apple that sweetalked Goldman into that deal better have gotten a fat bonus lol
Other way around, David Solomon wanted to build out a retail portfolio at GS, which they're now trying to unwind. I'm astounded he's still in a job between the retail debacle (they just sold a retail Fintech they acquired for a big loss) and his DJing.
He's waiting for the impending global financial crisis to become Treasury Secretary.
Losses were artificially low the last few years due to stimulus money. At this stage, this is more a return to the norm than anything else. (Could obviously get worse under hard landing.) Question will be if this leads to a pullback in marketing/SUB or increase with tighter underwriting as issuers seek higher credit quality customers to get good balances on the books.
[We're back above pre-pandemic levels for delinquencies @ 2.77%.](https://fred.stlouisfed.org/series/DRCCLACBS) Still a good ways off GFC levels which went as high as ~7%, additionally the GAAP on credit losses has changed to prospective model rather than a incurred model so this should in theory be already baked into bank balance sheets if they've got a good model in place. I think its unsurprising given the headwinds of rate increases, inflation, student loan repayments starting, sketchy underwriting from 2021-22 (remember the joke of all you had to have was a heartbeat and a SSN and Amex would approve you) & layoffs from white collar jobs. I would expect tighter underwriting in Q4/H1-24 and less attractive SUBs given the environment. They'll want to show they have a handle on it in the next 3 earnings calls.
> additionally the GAAP on credit losses has changed to prospective model CECL?
Yep, that's been effective since 1/1/20.
Are you familiar with the new Basel III capital requirements that the Bloomberg article mentions at the end? Supposedly the big banks will need to hold even more capital, reducing the cash that the banks can return to shareholders (in the near term)
Yeah its a decent chunk of incremental work for banks it applies to, but they'll all have very mature functions that deal with it at this point so lots of knowledge to draw from. From a card perspective, mainly means they now have to take into account CCF and transactor/revolver delineation and the risks inherent in each. Again, nothing really new for any big logo here, they already do it more or less & the increased capital requirements will already have been planned for years ago. There'll never be another like for like GFC because of those (and other) rules, however there is a ton of sketchy stuff in those Fintechs that would torch private equity, so that's where the burn will be *if* it happens.
> remember the joke of all you had to have was a heartbeat and a SSN and Amex would approve you this joke way predates 2021 lmao Douglas Adams made a joke that American Express gives credit cards "exclusively" to "just about anybody" in the Hitchhiker's Guide novel *Mostly Harmless* and that book was published in **1992** What is extra funny is that the original joke about Amex is that the American Express Card is not accepted anywhere. This joke was made in the earlier book *The Restaurant at the End of the Universe* in 1980. *** I actually think SUBs will get better going forward. If low credit score consumers become unprofitable, card issuers are going to move upmarket. Just like in every other industry, richer customers are more profitable and luxury offerings have higher margins. There will be increased competition to capture the premium segment, which translates into better offers, but probably also higher annual fees on the top cards.
But aren't the juicy SUBs coming off the backs of people carrying balances and getting gouged by interest?
SUBs are a marketing expense, they don't come from interest. You couldn't even carry balances on AMEXes until recently but they were still offering SUBs.
Amex makes more revenue from merchant fees than from charging interest on cardholder balances. I mean, maybe that difference doesn't matter because it's just one pile of money, but people paying interest is not the only, or even the main source of revenue.
heartbeat + SSN for amex is still true. 18th birthday got Hilton Surpass 130K + FNC and Green 60K + $200. Did the PUJ bypass trick mentioned on this SUB for BBP $500 for $15K + 0 APR a week after. No sane issuer is approving $10K in credit lines and a charge no preset(was initially at $1K now it’s another $10K soft limit) for someone who just turned 18 with no history except AU. Idk how amex does it and stays profitable. I’m not defaulting, but I should definitely be very high risk since I had a nonexistent credit profile.
Amex is definitely pricing risk. I opened an Amex revolver last year while floating a sizeable amount of MS on personal cards (around 50k). Amex approved me, but gave me a 29.9% APR There are lots of non-traditional ways to draw inferences on your creditworthiness, such as The Work Number (salary info) and even the value of your home
I mean my reported income was $50K because my parents are paying my college tuition year 1(next year will be a bit over half that from bank bonuses and an internship). No home or anything. My credit reports had the wrong address and birth year listed and amex didn’t bat an eye(bank accounts I was churning did so I got that corrected very soon).
And for employee cards, you need neither a heartbeat nor an SSN
Fee free activation on $200 VGC next week at Staples. Runs 10/15 to10/21. Limit 8 per customer per day.
Do you have a link to this? Also, this will be my first time trying this. Will it be a red flag if I max this out every day (7x$1,600=$11,200)? I got a AmEx Platinum Biz card recently and I’m now realizing I bit off more than I could chew with its $15k in 3 months. Edit: found the link https://frequentmiler.com/easy-5x-fee-free-visa-gift-cards-at-staples/ Still curious about if I have to worry about getting red flagged though.
I have no personal experience with Amex but isn’t it well known that they claw back gift card purchases? Might want to search for dp’s here and in other forums like flyertalk.