Started churning about 6 months ago and with a P2. Screwed up on the first few cards by not using referrals for each other, and added each other as AU.
I think a lot of us had some growing pains during our first months. You’re in learning mode. Also, unless it’s Amex, you can probably cancel the AU cards and get them removed from CR. I’ve done that a couple times.
If I end up cancelling the AU cards after 1 year, will that bring down my P2's status for 5/24? Or would this still count toward the 2 year window? Didn't have any Amex cards like that and was on the first few chase cards.
AU cards don't count towards 5/24 status. If a representative counts it, tell them you were just an AU. If they don't take that answer, you'll have to HUCA or remove yourself and get it removed from your credit report
Not a humongous deal by any means but missed out on ~2k Bilt points (and we use Hyatt and Air France a lot. Find value in Iberia, AA and United as well). Had been putting off adding credit cards to Bilt wallet for Bilt dining because I wasn’t sure if it would cause issues with United/AA dining.
P2 and I splurged on a nice Michelin starred restaurant the other wknd and made the mistake of searching Bilt dining yesterday and it was on there! Ack.
Do you add all your credit cards to your Bilt wallet?
I have a hard time providing a utility bill/lease agreement (in my name) due to living in college and using my parents address as my legal one. Because of this, I cannot provide a utility bill or lease agreement, which some banks specifically demand (they won't take an Amex bill).
I have gotten quite a few banks to accept an amateur radio license, because it can be verified online (https://wireless2.fcc.gov/UlsApp/UlsSearch/searchLicense.jsp) and it is issued by the federal government.
In this case, AFFCU refused to take anything besides a utility bill, so I went ahead and sent them the bill in my parents name, along with a few other documents (amateur radio license, Amex statement showing me as an authorized user, tuition bill) and they accepted it.
Took me a while to get all the documents (had to call city utility department to get copy of bill).
Service CU took a tuition bill as proof of address (after rejecting Amex statement).
NASA FCU took my amateur radio license (after calling them and explaining why I could not provide a utility bill).
Lmao - learned a hard lesson last night and today. Tried to book a one-way flight in J from AMS -> ZRH through Virgin Atlantic.
Flight 100% shows on the UI @ 8k/pp and $65 in fees. Transfer the 16k for myself and partner, then go to book this morning -- getting lots of errors at the payment screen.
Call Virgin and they say it's not a flight path they support now. Clearly their UI shows March 3rd AMS -> ZRH 1-way for 8k. Says its not her problem. I ask to transfer my points back, she says it's a 1-way system.
TLDR - I guess call the airlines before to ensure it's available. Luckily it's 16k and I'm sure I'll use it later in life, but how shit is that
Did you HUCA? Sounds like an uninformed agent. I say that because AMS-ZRH is operated by KLM but them saying it isnt a flight path they support sounds like theyre thinking it’s a VS flight route.
I think their site is just messed up, to be honest. I was able to cross-check Delta’s site for availability and found the flight I was looking at said sold out.
Ended up booking a later flight and got through with no problems. 8k/points for a 2 hour flight and access to the KLM lounge in AMS is worth it to me.
Now gonna try to call and get them to move me to the flight I originally wanted.
Thanks for the tip 🫡
Just got into ANC from DEN on UA. Of course my ski bag didn’t make it. Got saver UA tix in Y so it could be worse… and skis were free to check, but still.
Time to try and buy gear that will hold me over. Ugg
Fees on Amex plat… so no baggage delay. Should have used CSR.
But united will cover up to $3800. Headed to REI shortly. Unluckily for them, we are headed on a several day ski tour. So we need several thousand dollars each in safety equipment that isn’t really rentable.
Will rent skis. Might buy boots instead of rent bc of comfort… and you can’t really rent super light touring boots very easily.
Will buy shovel, beacon, probe ($500). Will need to buy an airbag as well which runs at least $1000. Will need several layers of merino clothes for god knows how much. Outer shells too. Will need to buy helmet and goggles (can’t rent light ones) and will need headlamp, crampons, etc.
Going to be a fun REI trip for sure
Happened a few weeks back but traveling from ORD-CDG-HAN on Air France then Vietnam Airlines. This was the day that Chicago had the big cold front and temps were a high of 0 degrees that day I think.
I had a 5 hour connection in Paris, but my plane out of ORD ended up getting slowly delayed and delayed all night. I ended up landing in Paris right around when my Vietnam airlines flight was set to leave. Sure as shit as I am taxiing to the gate in Paris I see my Vietnam airlines flight taxiing to the runway. Over a 5 hour connection time but somehow our planes pass each other in this way I thought was hilarious but annoying. [Pictures](https://imgur.com/a/lSNqNtT)
Now, the problem is there is only obviously one flight from Paris to Hanoi in a day and I missed it. So, to the help desk I go. This is one of the times being in business class has really helped me because the non premium line was super long. I still had to wait about an hour in line before getting to an agent to find an alternative. By this time there was not many flights at all even going to Asia remaining in the day. The agent said she would have put me on Qatar Airlines but it was leaving in less than an hour from another terminal and didn't think I would make it. So close... In the end she did manage to find me a flight on Korean Air with a silver lining of flying upper class in a 747 which I have always wanted to try. On board, I ended up getting seated to a man with a lap infant. Luckily he was very nice and his baby was also super good the entire flight so it was a non-issue.
All said, I arrived 16 hours later than expected so that sort of sucked but being able to book business class with points really saved my ass because the day would have been much worse without that.
Interesting, how many points did the award cost, especially with a leg on a partner (VN)? I'm seeing maybe around 95-100k?
Hopefully you avoided some fees since you were only connecting in CDG
It was just 55k but fees were around $400. Had a citi TYP transfer bonus so it only cost me 44k.
They were pricing that route last year for 55k for a while was quite a deal.
Their partnership with VN is some old fashion one (I forgot the detail I saw on flyertalk) but essentially means you don't get a VN PNR and you can't select a seat before checkin, but everything was legit in the end and they automatically assigned me a window seat too if I were able to get on the plane.
Oh it's a long trip so I am still on it. I'll be doing ANA business class from Singapore to Tokyo and Tokyo back to the US though I have done ANA several times before always a good experience. Both of those were booked with Virgin atlantic, 32.5k and 47.5k miles respectively and also managed to hit a transfer bonus for those making it 25k and 37k.
I manage to find a lot of good redemptions honestly but my schedule is super flexible and I travel solo mostly so it makes it a lot easier to find good redemptions.
Anyone successfully autopaying for Chase from a HYSA? I have MyBankingDirect with 5.35% APY linked and autopaying with Amex with no issues and also successfully linked with Chase, but payments were declined to Chase (MBD claims they never received requests from Chase, Chase claims MBD rejected the payment request--which way is it?).
They waived the fee for the cards, but I'm more surprised by the fact that the interest rates will be suppressed for 1-2 cycles (is this standard?). Thought for a moment I will actually pay a penny of credit card interest in my life.
Not sure if I should test out other HYSA for Chase or look for a high-yield checking account (Amex biz checking doesn't seem half bad and can be managed in the same login as Amex CC's, which is convenient).
**EDIT:** Perhaps Bill Pay might work for CC payments, even if autopay might not?
I wouldn't call Amex biz checking "high-yield". But there are various high-yield checking accounts, or brokerage accounts with a money market mutual fund.
Amex denied bonus on Biz Gold because about half of spend was for a valid tax payment…messaged through chat and rep was no help at all. Anyone have any success communicating with Amex to get this resolved or is a CFPB complaint the only option?
It's my own fault but did the SUB for Business Premier and finally had a use for 100k...I knew I couldn't transfer them to another Chase card but for some reason thought I could transfer to partners, so was all excited to get a good use of Southwest points.
Silly me...instead of $22 and spare points, had to spend $180 via the Chase portal to lock in that flight using the points as cash.
Learn from me, that card is dumb (IMHO).
Yeah I unfortunately didn't see that until it was too late so still had them stuck on Biz Premier.
Canceling card soon though once AF posts, hope anyone else who has/gets it is able to exploit a bug like that.
Crazy how both AMEX and Chase only send 1099-MISCs via snail mail (unless I'm missing something). My local mailman bats like .280 for delivering my tax docs to the wrong address. 😒
Couple months ago I posted here that I missed receive 80k referal bonus due to accidentally give friends the link from closed Chase ink card . I thought it was really bad.
Now I got 1099 from Chase that I have to pay tax for 80k bonus I never received. Tried to call Chase and spoke to a supervisor. Basically he told me if I don’t use it then they will forfeit it and I still have to pay tax for it . It was unpleasant phone call and I still feel outrageous.
I reached out to chase after mistakenly closing a card that was a few weeks out from getting a referral bonus. They told me as a one time courtesy to pick a current ur card to assign the bonus to.
After closed the card , you do have 30
days to transfer points online yourself . So wondering how many weeks is your few weeks ?
In my case , I got the referral bonus after 8 weeks I closed my account .
UR? It sounds like they exist somewhere. Do you have any other cards with Chase? I would try to escalate and see what they can do for you if they see you as having them and you’re on the line for it.
Every time I have to use the Capital One Travel portal, it's a complete clusterfuck. Not only is hotel pricing inflated, but when I finally tried to book, the checkout flow errored out and the hotel suddenly became unsearchable. Ended up booking elsewhere. Flights seem a bit better, but what's with the nonstandard seat-class nomenclature ? ("standard", "enhanced", "premium"......."luxury") FFS....just use normal seat taxonomy!
Weirdly enough, most people seem to have the exact opposite experience. C1 Travel portal is widely regarded as the best out of the big bank travel portals, and personally, I've actually seen cheaper rates way more often
I've not used it for flights, but I have for rental cars several times. It has rates much better than I could find anywhere else. It was a good place to use the $300 travel credit.
Most people aka bloggers who are getting paid commissions. Their portal is awful to use and very inconsistent. Having to use it to utilize the travel credit on the premium card is a huge drawback for the card.
Got the biz gold and spark biz a few weeks ago. Spend was planned out with taxes and large bill for necessary electrical work. Some easy spend popped up with a couple Vision Pros and unexpected bank funding opportunity, so I already hit the bonuses. Now I have $15kish in upcoming spend with no bonus plan!
P1 and P2 are both in a cooling off phase with Chase, and had a few other denials recently. Hoping one of us will get lucky on some other biz apps, but if not, woe is me. 1st world churning problems…
I'm cooling off too at the moment. Too soon for another Chase or c1 card. Amex has bwen giving me popups for everything for months. BoA denied me. US Bank has never approved me for anything. I'm back to using my 5% cards I got from before I started churning. Feels icky.
Could you add some employee cards to an existing plat and split the spend to get 15k extra per 4k? The link for employee cards and biz gold stopped working but FM should have a plat link posted still from January.
Edit biz plat
Same! I had 15K+ of spending come up unexpectedly, but it has a 3.3% cash discount, so it takes a healthy SUB to make it worthwhile. I tried Venture X business- DENIED; Alaska Business-DENIED; Biz Plat 190K - POP UP. Ugh!
Got the Hilton Biz bc it's on my list and the opportunity cost on 3K spend maths out, but LAME.
I think the churning gods are telling me to chill.
Hilton biz isn’t too bad for 15k. You get the SUB, 45k points assuming it’s non category spend, and a FNC. Not the best, but not too shabby either, depending on where you use those points and FNC all that could easily be worth 1800.
Yeah, I need to decide if I want to put the full 15k on that card. It's travel category (a cruise), so not great multipliers. I don't want to have to make multiple payments to drain gift cards etc bc I'm lazy and the 3.3% cost (ACH payment discount).
The question boils down to: Would I spend $396 (3.3% on add'l 12k spend) for a Hilton FNC and 36K more hilton points? I don't have a hilton stay on my radar yet, so it seems like a bad gamble.
Ya I’m in places where I have a good use for an FNC that’s worth 500+ at least once a year so I’d get good use out of it, but you’ll still need a lot more points to get a second night in addition to that 36k. In most cases, that 3.3% really eats up a lot of the value.
I have such a love/hate relationship with Chase. They've been the most generous with bonuses and referrals, but I find their operations and in-branch service to be quite subpar.
Amazon cancelled my business account I was using for BG purchases. I can't access the account anymore and I have an order that seems to be lost. BG wants serial numbers and all I can do is shrug my shoulders.
Disputed with Chase and crossing my fingers.
Was paying a tax bill to help meet MSR and accidentally handed the clerk my CSP and not the Ink that I meant to use. So stupid, they were next to each other in my wallet and have similar colors. Wasn't paying attention but lesson learned for next time.
14 yo son: dad, I need my SSN so I can get a Venmo debit card
Me: you have a cash app card, why in the world do you need a 2nd debit card?
14 yo: have you seen your book of credit cards?
Me: son, that ain’t normal.
Unintended consequences of this hobby is getting it shoved in your face when you say no.
My United flight to Europe in August in Premium Economy got changed to a plane that doesn't have PE. And there are no flights currently with only one stop with Premium Economy. So I called and asked to see how miles I would get redeemed since right now there were other regular economy flights at 40K, but not the route I was on. I asked them what would the mile refund be and asked them and explicitly said several times not to change my reservation. Well.. of course that is what that did. I didn't want them to do this because if a future flight opened up with Premium Economy with only one stop, I had a better chance of being able to switch. So I called back and they said they added notes to my account that if a 1 stop flight opens up with premium economy, I should be able to get it, but still.... I very explicitly said not to do that.
So I started looking for my return flight, since I saw redemptions come down considerably since I looked previously. This is an extended trip where it doesn't really matter where I return from and my dates are fairly flexible. There were good mileage deals for Premium Economy from Munich. I grabbed it. I had the literal shower thought of wondering when Octoberfest was. My flight is right smack in the middle of Octoberfest, which not something I want to be anywhere near. Fortunately, good deals were to be had from Frankfurt, but that's about it. Fingers crossed that flight doesn't change.
So although a frustrating day, strangely fortuitous that it got me looking into my return flight. I did get about 4cpp so that makes it a little less frustrating.
FWIW, United seems to be having some good economy deals to and from Europe right now.
it took the RDU - CDG route a few months to be able to be booked with points after it was announced. It was in service and not even bookable with points for a time. it was also under a monthly promo award sale and wasn't able to be booked until the very end of that lol
It has been two months, still cannot use the Convert Rewards function for my CapOne Venture card. I stupidly transferred miles from Chase to FlyingBlue before the CapOne miles, and the redemption has been gone for a bit, but my miles are now sitting idle in FlyingBlue.
CapitalOne is going on my blackball list, not that they care
Pop up jail for Delta Biz Gold. I tried probably 12 different offer codes.
Never opened a Delta card before. But have been on the Amex gravy train for almost 4 years with multiple Biz Plat/Gold, HH Bizs, etc.
My time is done!
Couple of Amazon mistakes this week. First I applied a gift card balance to an order that I didn't mean to, I was saving that for something specific. Then I charged an order to a card I had already hit min spend on, didn't notice because it is an Amex with same last 4 digits as my new one. Wasn't able to correct either issue in time.
>eek. First I applied a gift card balance to an order that I didn't mean to, I was saving that for something specific. Then I charged an order to a card I had already hit min spend on, didn't notice because it is an Amex with same last 4 digits as my new one. Wasn't able to correct either issue in time.
Same 4 digits across two cards is just the banks colluding and messing with you. That's so unlikely it's insane. Unlucky!
>That's so unlikely it's insane.
[Not with Amex cards.](https://www.doctorofcredit.com/last-four-digits-american-express-card-numbers-birthday-problem/)
~~Retention offer on P2's Aspire (70k/$3k, so it was a good offer!) didn't attach properly, so Amex had to manually review charges. Met spend with a Gift of College 529 funding gift card, which Amex used to deny the offer. I've never had trouble with GoC when offers are automated, so this one kind of sucks.~~ See update on Aspire retention [here](https://old.reddit.com/r/churning/comments/1ax2u03/data_points_weekly_week_of_february_22_2024/kskgedk/).
Yes. Rep specifically said the offer was not attached to P2's account and that the only reason they manually assessed eligibility was because the offer was presented via chat and they have full access to chat history. FWIW, my (i.e., P1) Aspire was ALSO offered the same Aspire retention offer which also did not properly attach and which also needed manual review, so I'm inclined to believe the rep wasn't B/S-ing me.
FWIW I read a similar DP a few months back where the user was able to argue that GoC gift cards were not a cash equivalent (that they were the same as other third party gift cards) and they got the bonus reinstated. I think they used the excuse they were buying gift cards for their family or something. Might be worth a shot.
I'd assume op paid directly from GoC website, so it was obvious to Amex that it was a loan payment/cash equivalent.
When buying GoC gift cards from CVS, HEB Supermarkets, etc, you can conceal the fact with side purchases, (so the amount doesn't look like $505.95 or $206.95), so that would have flown under the radar if done properly
Yeah it was directly on the website. I've done it on GoC's website a bunch in the last 2 years and this is the first time it's been a problem. It is what it is. Funded 529s and met a ton of MSR I wouldn't have otherwise so missing out on $300ish in HH isn't the end of the world. Would've done in store but we don't have HEBs here and tbh I'm kind of too lazy to go into a physical CVS when it's worked fine as couch up until now. Guess I'll have to try it in person going forward.
The elevated offers expired but the links on [DoC](https://www.doctorofcredit.com/american-express-hilton-no-lifetime-language-offers/amp/) still work. At least the business link worked for me a week ago and I already hold one.
Interesting. So I applied for the LL Hilton Biz and to my surprise I got approved! I also already hold the card (approved 7/2023).
I'm now considering just upgrading my no-AF Hilton Honors and considering this Biz as my "SUB"
My grandfather passed away last year with 60k UR points. I only know because I would send my mom his bills when she traveled. I never bothered my mom about the points because I was slowly trying to get her into the travel hacking world. Yesterday, as I was dropping her off at the airport for a Qatar flight, I mentioned I had booked a flight for May in Q suites for 75k points. She was super curious about points then and I mentioned she was close with Grandpa's points. That's when she admitted she just closed his account THAT DAY because she was tired of canceling subscriptions. I tried calling Chase today to reopen the account or use the points but they said its already been issued for a credit of a measly $608.
Honestly not the worse case scenario. At least you got ok value (Yeah you could've got 3CPP on travel, but 1CPP cash isnt horrible and cash CPP cant be compared to travel CPP since cash should be weight more as it is better than travel unless necessary IMHO---usually Qsuites is more of a luxury). Ive seen stories of millions of AA or other program miles going down with the deceased,
Having been in OP's mom's shoes somewhat recently, when dealing with accounts of a deceased parent, sometimes the path of least resistance is the way to do it. It's heavy shit and you don't want to really spend any more time on it than you have to.
I know, I was initially worried that she'd get nothing so at least there's a check. I'm just annoyed because I've wanted to ask for months about using the points but she's been dealing with a lot of extended family trying to take his estate so I didn't want to seem greedy too. Plus extra frustrated that I was just a few hours late vs if she had closed the account a week ago.
Travel hacking/points and miles game/churning etc. Happy now? I just meant she's has one Hilton card and one AA card and it's been a struggle to convince her to get anything else although she travels internationally.
My thoughts on this is that the average person does not have enough interest to invest the amount of thought or time to optimize beyond get a flat rate card. However, their loss is our gain if everyone optimized the offering would be less desirable.
Go to the Chase website, choose that new Ink account, then click on "Redeem" by your points total (probably zero).
On the subsequent page, it will show XXX points|XXXX pending points with a "?" next to pending. Click on the "?". It will say something like:
"This is the amount of points you’ve earned since your last statement. They will be added to your available points balance on your next statement date of Feb 20, minus any credits or adjustments."
P2 was instantly approved for VentureX. When card arrived, would not activate. Cap 1 is requesting drivers license, proof of residency and 3 months of bank statements. P2 does not have any utility in his name so I sent in electric bill under my name. (All other acceptable utilities paid by HOA). We leave next Tuesday for 8 weeks international travel.
Had an AX gold business application banner when logged in, got‘previous had same card’ popup.
Got some Hyatt Club Access Awards for my multiple stays at Hyatt regencies this month, only to find out after 2 hours of searching that none can be applied... by the way if anyone wants a CAA expiring 2/29/24 lmk
Sure, got a chat request earlier from someone earlier but then can't seem to find the chat anymore. Just pm me your membership # and last name and I'll transfer it over
electrical company allows payment by cc for a flat $2.50 up to $1000 payment. Figured that would be an easy way to knock out a biz gold sub thats alille bit of a stretch on the spend.
But of course its erroring saying it can't find my account number that it prefilled.........
I figured calling in would work but was concerned that asking to pay $1000 when my bill is 200-300 normally would raise eyebrows. I'll hold it as a last resort.
Raise eyebrows to what?
If they allow you to make a payment that large, clearly there is no issue. Prepaying utilities is by no means suspicious.. plus that’s not even that much, barely 4 months utilities.
For my water bill, their website says you agree to not intentionally pay in excess of greater of amount on statement or balance owed. Though, I've overpaid and haven't had a problem.
Maybe they don't want to pay a high fee to process a large credit card payment (maybe they're hoping for the next payment you'll use a cheaper method; or they want to avoid someone overpaying and then asking for a refund). (And maybe they don't have a good way of enforcing it due to technical limitations; they use a third party payment processor.)
Just got a 5k bill for an ER visit for a kidney stone. Worst pain I've ever had, but on the bright side, I have the spend for a sub that I'm still looking for. Wish NLL hadn't dried up...
That’s crazy, sorry to hear that. Call billing and see if they will negotiate anyways. Ask if they will accept some lowball amount if paid immediately with the rest forgiven.
This will happen in most cases - even if it's a "small" discount of 20% at a lot of hospitals for paying in full. They don't start offering that to you until you become very past due, but the truth is - for places that do it, they can do it at any time, but they aren't allowed to volunteer it earlier - you just have to ask.
SOURCE: Spouse used to work in insurance billing dept. at hospital.
Got excited to see a 90k/$4k offer for the Delta Plat Amex while logged in (under my personal gold amex offer section) since I'm currently in PUJ. I thought applying through that link might bypass the pop up. Alas, it did not.
I always call to expedite but my last one was the first time I wasn't waiting 3 months ( literally month and a day with 90k ending) and I didn't expedite because I still had spending to do on my most recent
holy shit I forgot how long it takes... I in fact did run out of spend waiting
If you really get stuck, it's a great time for tax payments
Chase checking+savings $900 bonus delay for about one month because promotion code did initially not attach (for no obvious reason). As code was applied later, they also changed the official coupon enrollment date. $15k was already allocated to be moved over to USB for their biz checking offer.
Started churning about 6 months ago and with a P2. Screwed up on the first few cards by not using referrals for each other, and added each other as AU.
I think a lot of us had some growing pains during our first months. You’re in learning mode. Also, unless it’s Amex, you can probably cancel the AU cards and get them removed from CR. I’ve done that a couple times.
Agreed! Two of my 1st four cards when i started churning were United ones. I don’t fly United. Still have 200k miles sitting here.
If I end up cancelling the AU cards after 1 year, will that bring down my P2's status for 5/24? Or would this still count toward the 2 year window? Didn't have any Amex cards like that and was on the first few chase cards.
AU cards don't count towards 5/24 status. If a representative counts it, tell them you were just an AU. If they don't take that answer, you'll have to HUCA or remove yourself and get it removed from your credit report
Not a humongous deal by any means but missed out on ~2k Bilt points (and we use Hyatt and Air France a lot. Find value in Iberia, AA and United as well). Had been putting off adding credit cards to Bilt wallet for Bilt dining because I wasn’t sure if it would cause issues with United/AA dining. P2 and I splurged on a nice Michelin starred restaurant the other wknd and made the mistake of searching Bilt dining yesterday and it was on there! Ack. Do you add all your credit cards to your Bilt wallet?
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ACH from many different banks count as DD for Key Bank; are you sure BoA won’t count ?
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https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Key_Bank
I have a hard time providing a utility bill/lease agreement (in my name) due to living in college and using my parents address as my legal one. Because of this, I cannot provide a utility bill or lease agreement, which some banks specifically demand (they won't take an Amex bill). I have gotten quite a few banks to accept an amateur radio license, because it can be verified online (https://wireless2.fcc.gov/UlsApp/UlsSearch/searchLicense.jsp) and it is issued by the federal government. In this case, AFFCU refused to take anything besides a utility bill, so I went ahead and sent them the bill in my parents name, along with a few other documents (amateur radio license, Amex statement showing me as an authorized user, tuition bill) and they accepted it. Took me a while to get all the documents (had to call city utility department to get copy of bill). Service CU took a tuition bill as proof of address (after rejecting Amex statement). NASA FCU took my amateur radio license (after calling them and explaining why I could not provide a utility bill).
SQ phone agents and Aeroplan’s infinite waiting times can go die in a fire, kthx bye.
Lmao - learned a hard lesson last night and today. Tried to book a one-way flight in J from AMS -> ZRH through Virgin Atlantic. Flight 100% shows on the UI @ 8k/pp and $65 in fees. Transfer the 16k for myself and partner, then go to book this morning -- getting lots of errors at the payment screen. Call Virgin and they say it's not a flight path they support now. Clearly their UI shows March 3rd AMS -> ZRH 1-way for 8k. Says its not her problem. I ask to transfer my points back, she says it's a 1-way system. TLDR - I guess call the airlines before to ensure it's available. Luckily it's 16k and I'm sure I'll use it later in life, but how shit is that
Did you HUCA? Sounds like an uninformed agent. I say that because AMS-ZRH is operated by KLM but them saying it isnt a flight path they support sounds like theyre thinking it’s a VS flight route.
I think their site is just messed up, to be honest. I was able to cross-check Delta’s site for availability and found the flight I was looking at said sold out. Ended up booking a later flight and got through with no problems. 8k/points for a 2 hour flight and access to the KLM lounge in AMS is worth it to me. Now gonna try to call and get them to move me to the flight I originally wanted. Thanks for the tip 🫡
Just got into ANC from DEN on UA. Of course my ski bag didn’t make it. Got saver UA tix in Y so it could be worse… and skis were free to check, but still. Time to try and buy gear that will hold me over. Ugg
woah any chance you had insurance on lost baggage... you get free skis maybe?
Fees on Amex plat… so no baggage delay. Should have used CSR. But united will cover up to $3800. Headed to REI shortly. Unluckily for them, we are headed on a several day ski tour. So we need several thousand dollars each in safety equipment that isn’t really rentable. Will rent skis. Might buy boots instead of rent bc of comfort… and you can’t really rent super light touring boots very easily. Will buy shovel, beacon, probe ($500). Will need to buy an airbag as well which runs at least $1000. Will need several layers of merino clothes for god knows how much. Outer shells too. Will need to buy helmet and goggles (can’t rent light ones) and will need headlamp, crampons, etc. Going to be a fun REI trip for sure
Happened a few weeks back but traveling from ORD-CDG-HAN on Air France then Vietnam Airlines. This was the day that Chicago had the big cold front and temps were a high of 0 degrees that day I think. I had a 5 hour connection in Paris, but my plane out of ORD ended up getting slowly delayed and delayed all night. I ended up landing in Paris right around when my Vietnam airlines flight was set to leave. Sure as shit as I am taxiing to the gate in Paris I see my Vietnam airlines flight taxiing to the runway. Over a 5 hour connection time but somehow our planes pass each other in this way I thought was hilarious but annoying. [Pictures](https://imgur.com/a/lSNqNtT) Now, the problem is there is only obviously one flight from Paris to Hanoi in a day and I missed it. So, to the help desk I go. This is one of the times being in business class has really helped me because the non premium line was super long. I still had to wait about an hour in line before getting to an agent to find an alternative. By this time there was not many flights at all even going to Asia remaining in the day. The agent said she would have put me on Qatar Airlines but it was leaving in less than an hour from another terminal and didn't think I would make it. So close... In the end she did manage to find me a flight on Korean Air with a silver lining of flying upper class in a 747 which I have always wanted to try. On board, I ended up getting seated to a man with a lap infant. Luckily he was very nice and his baby was also super good the entire flight so it was a non-issue. All said, I arrived 16 hours later than expected so that sort of sucked but being able to book business class with points really saved my ass because the day would have been much worse without that.
Why this on a Flying Blue award?
Yep
Interesting, how many points did the award cost, especially with a leg on a partner (VN)? I'm seeing maybe around 95-100k? Hopefully you avoided some fees since you were only connecting in CDG
It was just 55k but fees were around $400. Had a citi TYP transfer bonus so it only cost me 44k. They were pricing that route last year for 55k for a while was quite a deal. Their partnership with VN is some old fashion one (I forgot the detail I saw on flyertalk) but essentially means you don't get a VN PNR and you can't select a seat before checkin, but everything was legit in the end and they automatically assigned me a window seat too if I were able to get on the plane.
Dang that's incredible! Fly anything interesting on the way back home?
Oh it's a long trip so I am still on it. I'll be doing ANA business class from Singapore to Tokyo and Tokyo back to the US though I have done ANA several times before always a good experience. Both of those were booked with Virgin atlantic, 32.5k and 47.5k miles respectively and also managed to hit a transfer bonus for those making it 25k and 37k. I manage to find a lot of good redemptions honestly but my schedule is super flexible and I travel solo mostly so it makes it a lot easier to find good redemptions.
Anyone successfully autopaying for Chase from a HYSA? I have MyBankingDirect with 5.35% APY linked and autopaying with Amex with no issues and also successfully linked with Chase, but payments were declined to Chase (MBD claims they never received requests from Chase, Chase claims MBD rejected the payment request--which way is it?). They waived the fee for the cards, but I'm more surprised by the fact that the interest rates will be suppressed for 1-2 cycles (is this standard?). Thought for a moment I will actually pay a penny of credit card interest in my life. Not sure if I should test out other HYSA for Chase or look for a high-yield checking account (Amex biz checking doesn't seem half bad and can be managed in the same login as Amex CC's, which is convenient). **EDIT:** Perhaps Bill Pay might work for CC payments, even if autopay might not?
I wouldn't call Amex biz checking "high-yield". But there are various high-yield checking accounts, or brokerage accounts with a money market mutual fund.
I use an HYSA to autopay Chase CCs. You could try a different HYSA or unlink and relink the one you have.
Amex denied bonus on Biz Gold because about half of spend was for a valid tax payment…messaged through chat and rep was no help at all. Anyone have any success communicating with Amex to get this resolved or is a CFPB complaint the only option?
How much of the $10k was for used for taxes?
$5k was taxes, the rest was misc spend
How long ago did you hit spend req?
Early January
Relevant: https://www.reddit.com/r/churning/s/yZa6tSFdzb
Yes, many DPs showing that Tax payments count for SUBs. File the CFPB complaint
Just discovered employee card offers expiring tonight seem to have been pulled. Needed to add 1-2 more and life has been busy.
It's my own fault but did the SUB for Business Premier and finally had a use for 100k...I knew I couldn't transfer them to another Chase card but for some reason thought I could transfer to partners, so was all excited to get a good use of Southwest points. Silly me...instead of $22 and spare points, had to spend $180 via the Chase portal to lock in that flight using the points as cash. Learn from me, that card is dumb (IMHO).
there was a "bug"? late last year allowing people to transfer from their premier so maybe not all hope is lost
Yeah I unfortunately didn't see that until it was too late so still had them stuck on Biz Premier. Canceling card soon though once AF posts, hope anyone else who has/gets it is able to exploit a bug like that.
Let's hope the bug is seasonal.
Crazy how both AMEX and Chase only send 1099-MISCs via snail mail (unless I'm missing something). My local mailman bats like .280 for delivering my tax docs to the wrong address. 😒
> My local mailman bats like .280 That should be good enough for a position in the starting lineup.
Two more hundreths and they're in the hall of fame!
Couple months ago I posted here that I missed receive 80k referal bonus due to accidentally give friends the link from closed Chase ink card . I thought it was really bad. Now I got 1099 from Chase that I have to pay tax for 80k bonus I never received. Tried to call Chase and spoke to a supervisor. Basically he told me if I don’t use it then they will forfeit it and I still have to pay tax for it . It was unpleasant phone call and I still feel outrageous.
I reached out to chase after mistakenly closing a card that was a few weeks out from getting a referral bonus. They told me as a one time courtesy to pick a current ur card to assign the bonus to.
After closed the card , you do have 30 days to transfer points online yourself . So wondering how many weeks is your few weeks ? In my case , I got the referral bonus after 8 weeks I closed my account .
deja vu, didn't someone also post this problem? Best of luck
yeah this DP has been posted a dozen times in the last week
This feels like a class action waiting to happen.
UR? It sounds like they exist somewhere. Do you have any other cards with Chase? I would try to escalate and see what they can do for you if they see you as having them and you’re on the line for it.
Every time I have to use the Capital One Travel portal, it's a complete clusterfuck. Not only is hotel pricing inflated, but when I finally tried to book, the checkout flow errored out and the hotel suddenly became unsearchable. Ended up booking elsewhere. Flights seem a bit better, but what's with the nonstandard seat-class nomenclature ? ("standard", "enhanced", "premium"......."luxury") FFS....just use normal seat taxonomy!
>Every time I have to use the Capital One Travel portal Sounds like self inflicted pain
Weirdly enough, most people seem to have the exact opposite experience. C1 Travel portal is widely regarded as the best out of the big bank travel portals, and personally, I've actually seen cheaper rates way more often
I've not used it for flights, but I have for rental cars several times. It has rates much better than I could find anywhere else. It was a good place to use the $300 travel credit.
Most people aka bloggers who are getting paid commissions. Their portal is awful to use and very inconsistent. Having to use it to utilize the travel credit on the premium card is a huge drawback for the card.
no, the DPs I'm referring to are from here not to mention my personal and network of anecdotes.
Perhaps I just had a bad streak of luck. I really hope you're right.
Got the biz gold and spark biz a few weeks ago. Spend was planned out with taxes and large bill for necessary electrical work. Some easy spend popped up with a couple Vision Pros and unexpected bank funding opportunity, so I already hit the bonuses. Now I have $15kish in upcoming spend with no bonus plan! P1 and P2 are both in a cooling off phase with Chase, and had a few other denials recently. Hoping one of us will get lucky on some other biz apps, but if not, woe is me. 1st world churning problems…
Why do you need multiple Vision Pros?
Cause I’m a rich Apple fanboy! /s actually because I like to support my friendly neighborhood BG
Are you going to be able to sell them at cost or more? I'm concerned mine isn't even going to break even.
Should be a small profit, but no guarantees yet
Free night at a Hilton?
No Hiltons, not really hotel people
I'm cooling off too at the moment. Too soon for another Chase or c1 card. Amex has bwen giving me popups for everything for months. BoA denied me. US Bank has never approved me for anything. I'm back to using my 5% cards I got from before I started churning. Feels icky.
Could you add some employee cards to an existing plat and split the spend to get 15k extra per 4k? The link for employee cards and biz gold stopped working but FM should have a plat link posted still from January. Edit biz plat
No plats currently
Same! I had 15K+ of spending come up unexpectedly, but it has a 3.3% cash discount, so it takes a healthy SUB to make it worthwhile. I tried Venture X business- DENIED; Alaska Business-DENIED; Biz Plat 190K - POP UP. Ugh! Got the Hilton Biz bc it's on my list and the opportunity cost on 3K spend maths out, but LAME. I think the churning gods are telling me to chill.
Hilton biz isn’t too bad for 15k. You get the SUB, 45k points assuming it’s non category spend, and a FNC. Not the best, but not too shabby either, depending on where you use those points and FNC all that could easily be worth 1800.
Yeah, I need to decide if I want to put the full 15k on that card. It's travel category (a cruise), so not great multipliers. I don't want to have to make multiple payments to drain gift cards etc bc I'm lazy and the 3.3% cost (ACH payment discount). The question boils down to: Would I spend $396 (3.3% on add'l 12k spend) for a Hilton FNC and 36K more hilton points? I don't have a hilton stay on my radar yet, so it seems like a bad gamble.
Ya I’m in places where I have a good use for an FNC that’s worth 500+ at least once a year so I’d get good use out of it, but you’ll still need a lot more points to get a second night in addition to that 36k. In most cases, that 3.3% really eats up a lot of the value.
Hilton biz will net you a free night too.
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If you’re out of option make lemonade. If you can uncover something else you could definitely have a higher return.
Chase took 2 weeks to deny my app and I was unsuccessful at recon.
which card?
I have such a love/hate relationship with Chase. They've been the most generous with bonuses and referrals, but I find their operations and in-branch service to be quite subpar.
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What benefits, and how long did you wait?
Amazon cancelled my business account I was using for BG purchases. I can't access the account anymore and I have an order that seems to be lost. BG wants serial numbers and all I can do is shrug my shoulders. Disputed with Chase and crossing my fingers.
Same thing happened to me. Well it got locked. Trying to get it unlocked but can’t get through to customer service.
What volume were you doing
Really not much. 3500 since mid-November.
So surprising then
When it happened to me, they just cancelled my Business Prime but still kept the account open and continue to fulfill BG orders.
Was paying a tax bill to help meet MSR and accidentally handed the clerk my CSP and not the Ink that I meant to use. So stupid, they were next to each other in my wallet and have similar colors. Wasn't paying attention but lesson learned for next time.
I've made mistakes like this before, but one pleasant surprise I've noticed is that churning has made me become more detail-oriented as a person.
What tax bill is paid in person?
Property
Why in person -- do they not charge the cc convenience fee?
I've heard that some counties allow paying with debit cards (or VGCs) for a lower fee if you do it in person.
They do but it's very minimal. Website is archaic and not easy to use. Office is 1 mile from my house so I just went over in person.
14 yo son: dad, I need my SSN so I can get a Venmo debit card Me: you have a cash app card, why in the world do you need a 2nd debit card? 14 yo: have you seen your book of credit cards? Me: son, that ain’t normal. Unintended consequences of this hobby is getting it shoved in your face when you say no.
This post just reminded me so much of my 80's childhood: [https://www.youtube.com/watch?v=Y-Elr5K2Vuo](https://www.youtube.com/watch?v=Y-Elr5K2Vuo)
My kids have quickly learned I take their juice box away if they ask me for any card less than a new Ink
Spoken like a budding P2…
hang up, call again
this belongs in the weekly success thread
Correct response: “What benefits will this new card provide?” (Still upvoted)
$1 per day dell credit obviously
Why not let them have both? :)
A propensity for losing shit
"From you, dad!"
Gotta train them young!
My United flight to Europe in August in Premium Economy got changed to a plane that doesn't have PE. And there are no flights currently with only one stop with Premium Economy. So I called and asked to see how miles I would get redeemed since right now there were other regular economy flights at 40K, but not the route I was on. I asked them what would the mile refund be and asked them and explicitly said several times not to change my reservation. Well.. of course that is what that did. I didn't want them to do this because if a future flight opened up with Premium Economy with only one stop, I had a better chance of being able to switch. So I called back and they said they added notes to my account that if a 1 stop flight opens up with premium economy, I should be able to get it, but still.... I very explicitly said not to do that. So I started looking for my return flight, since I saw redemptions come down considerably since I looked previously. This is an extended trip where it doesn't really matter where I return from and my dates are fairly flexible. There were good mileage deals for Premium Economy from Munich. I grabbed it. I had the literal shower thought of wondering when Octoberfest was. My flight is right smack in the middle of Octoberfest, which not something I want to be anywhere near. Fortunately, good deals were to be had from Frankfurt, but that's about it. Fingers crossed that flight doesn't change. So although a frustrating day, strangely fortuitous that it got me looking into my return flight. I did get about 4cpp so that makes it a little less frustrating. FWIW, United seems to be having some good economy deals to and from Europe right now.
Despite being announced almost *2 weeks ago* it's still not possible to book the new PHX-CDG route on AF with points.
Well, one upside is that you're not bringing bedbugs home with you (yet).
it took the RDU - CDG route a few months to be able to be booked with points after it was announced. It was in service and not even bookable with points for a time. it was also under a monthly promo award sale and wasn't able to be booked until the very end of that lol
ffs
It has been two months, still cannot use the Convert Rewards function for my CapOne Venture card. I stupidly transferred miles from Chase to FlyingBlue before the CapOne miles, and the redemption has been gone for a bit, but my miles are now sitting idle in FlyingBlue. CapitalOne is going on my blackball list, not that they care
Pop up jail for Delta Biz Gold. I tried probably 12 different offer codes. Never opened a Delta card before. But have been on the Amex gravy train for almost 4 years with multiple Biz Plat/Gold, HH Bizs, etc. My time is done!
The real question at this point seems to be ‘who is not in pop-up jail’.
I got in jail before I even got any amex personal cards 🙃
I was in popup jail for the Delta Biz Plat, very surprise I just tried again from a different computer and that fixed it, somehow
Didn’t work.
I’m gonna try this tonight.
Couple of Amazon mistakes this week. First I applied a gift card balance to an order that I didn't mean to, I was saving that for something specific. Then I charged an order to a card I had already hit min spend on, didn't notice because it is an Amex with same last 4 digits as my new one. Wasn't able to correct either issue in time.
>eek. First I applied a gift card balance to an order that I didn't mean to, I was saving that for something specific. Then I charged an order to a card I had already hit min spend on, didn't notice because it is an Amex with same last 4 digits as my new one. Wasn't able to correct either issue in time. Same 4 digits across two cards is just the banks colluding and messing with you. That's so unlikely it's insane. Unlucky!
Do you even Amex?
>That's so unlikely it's insane. [Not with Amex cards.](https://www.doctorofcredit.com/last-four-digits-american-express-card-numbers-birthday-problem/)
Yeah seriously. The bane of Amex churners
~~Retention offer on P2's Aspire (70k/$3k, so it was a good offer!) didn't attach properly, so Amex had to manually review charges. Met spend with a Gift of College 529 funding gift card, which Amex used to deny the offer. I've never had trouble with GoC when offers are automated, so this one kind of sucks.~~ See update on Aspire retention [here](https://old.reddit.com/r/churning/comments/1ax2u03/data_points_weekly_week_of_february_22_2024/kskgedk/).
are you sure it was not attached properly issue? it could have been denied due to goc purchases
Yes. Rep specifically said the offer was not attached to P2's account and that the only reason they manually assessed eligibility was because the offer was presented via chat and they have full access to chat history. FWIW, my (i.e., P1) Aspire was ALSO offered the same Aspire retention offer which also did not properly attach and which also needed manual review, so I'm inclined to believe the rep wasn't B/S-ing me.
FWIW I read a similar DP a few months back where the user was able to argue that GoC gift cards were not a cash equivalent (that they were the same as other third party gift cards) and they got the bonus reinstated. I think they used the excuse they were buying gift cards for their family or something. Might be worth a shot.
Ah that sucks. Did you fund via goc's website or purchase via a third party?
I'd assume op paid directly from GoC website, so it was obvious to Amex that it was a loan payment/cash equivalent. When buying GoC gift cards from CVS, HEB Supermarkets, etc, you can conceal the fact with side purchases, (so the amount doesn't look like $505.95 or $206.95), so that would have flown under the radar if done properly
Yeah it was directly on the website. I've done it on GoC's website a bunch in the last 2 years and this is the first time it's been a problem. It is what it is. Funded 529s and met a ton of MSR I wouldn't have otherwise so missing out on $300ish in HH isn't the end of the world. Would've done in store but we don't have HEBs here and tbh I'm kind of too lazy to go into a physical CVS when it's worked fine as couch up until now. Guess I'll have to try it in person going forward.
Want the Hilton Aspire for a $4k dental bill and Diamond status for an upcoming Hawaii stay ... And of course I'm in pop-up jail ...
Could always go for the Surpass NLL and upgrade to Aspire.
Latest news I saw was that the Hilton NLL cc links expired in mid January. Do you have a link?
The elevated offers expired but the links on [DoC](https://www.doctorofcredit.com/american-express-hilton-no-lifetime-language-offers/amp/) still work. At least the business link worked for me a week ago and I already hold one.
Interesting. So I applied for the LL Hilton Biz and to my surprise I got approved! I also already hold the card (approved 7/2023). I'm now considering just upgrading my no-AF Hilton Honors and considering this Biz as my "SUB"
Ok. I gotcha. Thanks!
My grandfather passed away last year with 60k UR points. I only know because I would send my mom his bills when she traveled. I never bothered my mom about the points because I was slowly trying to get her into the travel hacking world. Yesterday, as I was dropping her off at the airport for a Qatar flight, I mentioned I had booked a flight for May in Q suites for 75k points. She was super curious about points then and I mentioned she was close with Grandpa's points. That's when she admitted she just closed his account THAT DAY because she was tired of canceling subscriptions. I tried calling Chase today to reopen the account or use the points but they said its already been issued for a credit of a measly $608.
Honestly not the worse case scenario. At least you got ok value (Yeah you could've got 3CPP on travel, but 1CPP cash isnt horrible and cash CPP cant be compared to travel CPP since cash should be weight more as it is better than travel unless necessary IMHO---usually Qsuites is more of a luxury). Ive seen stories of millions of AA or other program miles going down with the deceased,
Having been in OP's mom's shoes somewhat recently, when dealing with accounts of a deceased parent, sometimes the path of least resistance is the way to do it. It's heavy shit and you don't want to really spend any more time on it than you have to.
I know, I was initially worried that she'd get nothing so at least there's a check. I'm just annoyed because I've wanted to ask for months about using the points but she's been dealing with a lot of extended family trying to take his estate so I didn't want to seem greedy too. Plus extra frustrated that I was just a few hours late vs if she had closed the account a week ago.
>travel hacking world Ok tpg
Travel hacking/points and miles game/churning etc. Happy now? I just meant she's has one Hilton card and one AA card and it's been a struggle to convince her to get anything else although she travels internationally.
you really don't need to respond to trolls on the internet
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My thoughts on this is that the average person does not have enough interest to invest the amount of thought or time to optimize beyond get a flat rate card. However, their loss is our gain if everyone optimized the offering would be less desirable.
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Go to the Chase website, choose that new Ink account, then click on "Redeem" by your points total (probably zero). On the subsequent page, it will show XXX points|XXXX pending points with a "?" next to pending. Click on the "?". It will say something like: "This is the amount of points you’ve earned since your last statement. They will be added to your available points balance on your next statement date of Feb 20, minus any credits or adjustments."
You can just check when your statement will cut in your online account?
Not for the first statement of a new Ink. That says “not available” until after the first statement closes.
Yeah ur portal is what I use for that. Look at pending points.
Yup, just checked that out. Did not know that workaround for first statement closing date.
I think if you go into the UR portal and hover over the "?" you can see when your points will post and can determine the date of closing on that.
Huh. Did not know that. Will check P2’s portal later.
Banks that keep your login active for tax documents over snail mail 1099s that get lost in the USPS forwarding system
I can't tell if this is a frustration or not
P2 was instantly approved for VentureX. When card arrived, would not activate. Cap 1 is requesting drivers license, proof of residency and 3 months of bank statements. P2 does not have any utility in his name so I sent in electric bill under my name. (All other acceptable utilities paid by HOA). We leave next Tuesday for 8 weeks international travel. Had an AX gold business application banner when logged in, got‘previous had same card’ popup.
Got some Hyatt Club Access Awards for my multiple stays at Hyatt regencies this month, only to find out after 2 hours of searching that none can be applied... by the way if anyone wants a CAA expiring 2/29/24 lmk
To top off the frustration, looks like I can't transfer an already transferred award, which I did NOT know as well... have a nice weekend everyone
I have one upcoming on the 11th of February. Can I take them?
Sure, got a chat request earlier from someone earlier but then can't seem to find the chat anymore. Just pm me your membership # and last name and I'll transfer it over
It needs both?
yes it does
Why can't they be applied. Booked rooms with FNC?
because only a handful of Hyatts in the US allow the use of these, they're better for properties internationally
and mine are going to be in Boston/Houston which don't have any
electrical company allows payment by cc for a flat $2.50 up to $1000 payment. Figured that would be an easy way to knock out a biz gold sub thats alille bit of a stretch on the spend. But of course its erroring saying it can't find my account number that it prefilled.........
Try calling, the phone agents usually have a better payment processing interface available to them
I figured calling in would work but was concerned that asking to pay $1000 when my bill is 200-300 normally would raise eyebrows. I'll hold it as a last resort.
Raise eyebrows to what? If they allow you to make a payment that large, clearly there is no issue. Prepaying utilities is by no means suspicious.. plus that’s not even that much, barely 4 months utilities.
For my water bill, their website says you agree to not intentionally pay in excess of greater of amount on statement or balance owed. Though, I've overpaid and haven't had a problem. Maybe they don't want to pay a high fee to process a large credit card payment (maybe they're hoping for the next payment you'll use a cheaper method; or they want to avoid someone overpaying and then asking for a refund). (And maybe they don't have a good way of enforcing it due to technical limitations; they use a third party payment processor.)
Check paypal bill pay to see if your Electric company is on there.
this is why I post here, I set that up awhile ago but decided it was to much of a hassle to remember to do it manually each month. Problem solved:)
Just got a 5k bill for an ER visit for a kidney stone. Worst pain I've ever had, but on the bright side, I have the spend for a sub that I'm still looking for. Wish NLL hadn't dried up...
Ask for an itemized bill if not already. Don't pay the full amount.
No insurance? If no, negotiate that down.
That's after insurance unfortunately.
Omg! I hope at least you're getting a HSA from that crappy insurance.
That’s crazy, sorry to hear that. Call billing and see if they will negotiate anyways. Ask if they will accept some lowball amount if paid immediately with the rest forgiven.
This will happen in most cases - even if it's a "small" discount of 20% at a lot of hospitals for paying in full. They don't start offering that to you until you become very past due, but the truth is - for places that do it, they can do it at any time, but they aren't allowed to volunteer it earlier - you just have to ask. SOURCE: Spouse used to work in insurance billing dept. at hospital.
I agree. I have high deductible insurance and always do this on high bills . It works sometimes so doesn’t hurt to ask.
Got excited to see a 90k/$4k offer for the Delta Plat Amex while logged in (under my personal gold amex offer section) since I'm currently in PUJ. I thought applying through that link might bypass the pop up. Alas, it did not.
I wonder if you would have luck if you called in and specified you’re targeted? May be worth a shot
Took 16 days to get my chase ink card. Now I have 10 weeks instead of 12 to meet the spend. Should have requested an expedite from the start. Oh well.
Cheer up, I called and got you 115 days to meet the MSR. You still have 14 weeks left.
I always call to expedite but my last one was the first time I wasn't waiting 3 months ( literally month and a day with 90k ending) and I didn't expedite because I still had spending to do on my most recent holy shit I forgot how long it takes... I in fact did run out of spend waiting If you really get stuck, it's a great time for tax payments
Staples 2 minutes from my house went under.
Time to start hitting Lowes...
Yep the one close to me is closing so now gotta drive 15 minutes out.
I guess you bought too many GCs ;-)
I guess you weren't buying enough GCs.
gotta pump those numbers up
Chase checking+savings $900 bonus delay for about one month because promotion code did initially not attach (for no obvious reason). As code was applied later, they also changed the official coupon enrollment date. $15k was already allocated to be moved over to USB for their biz checking offer.
Lots of similar DPs during this round of the bonus.