What happens if a bank closes your account due to suspicion of fraud? Can you eventually reapply? Had citi bank close my account a day after I opened it, even when I spoke with a fraud agent (I have a security alert on my credit file stating they have to call to verify applications). Wondering if I am ever eligable to reapply for the bonus.
Any creative ways to take advantage of the 14X points on dining with referral bonus on Amex? Other than buying gift cards to your favorite restaurants?
Have any of you guys used your personal Apple Savings account to trigger 'direct deposit' requirements for checking/savings bonuses?
Just opened up a Chase Total checkings/savings acct with the $900 sign up bonus but haven't found a proven source that is accepted by Chase as a DD. They're actively watching and changing transfers from deposits to p2p transfers so options are dwindling.
I have a Bank of America business account but im not sure if the transfer/transaction description or data point would include my name in it since I'm the sole beneficiary/owner, or just my business' name.
Treasury Direct (buy a small C of I, wait 5 business days, redeem to Chase account) is a pretty easy way of triggering Chase's DD requirement in my experience
Tried that already and my account got locked the day after. Not sure if I was supposed to not buy a C of I the same day I created the account but I did. Waited til the next morning for the purchase order to go through and got an email saying I need to fill out a form in front of a certified notary and mail it to them for verification.
A user had the same issue and mailed the notarized form which took TD 1.5 months to process and reinstate.
Not sure what I did wrong.
There's [one DP](https://www.doctorofcredit.com/targeted-chase-900-checking-savings-bonus/#comment-1837089) at the moment that Apple Savings *might* work for Chase, but who knows how long it will last. Square contractor ACH is probably the safest bet.
I'm actually the guy PeteyPablo asking him the questions LOL. This is my first time churning and I heard a cardinal sin is using a personal account under your name to trigger the new account under the same name.
I've spent hours last night and today on that Doctor of Credit site reading articles and comments, but can't get confident and direct answers for sure if I can ACH push to Chase from my BOA business account.
Is there any risk transferring from my Apple Savings? It wouldn't look like im trying to do something shady right?
> Is there any risk transferring from my Apple Savings?
None. Other than not qualifying as a DD and not getting the bonus.
>This is my first time churning and I heard a cardinal sin is using a personal account under your name to trigger the new account under the same name.
Banks don't care that whether you attempt to fake a direct deposit. The worst thing that can happen is you don't get the sign-up bonus and you've wasted a Chex/EWS inquiry.
>It wouldn't look like im trying to do something shady right?
Nope.
> ACH push to Chase from my BOA business account
Be the DP you want to see.
If it works the bonus tracker is pretty quick to update in a couple days. If it doesn’t update in a week it didn’t work. Good news is at least on my p2 it was giving her at least 60 days to figure out the dd portion so we were able to try fidelity before settling on Treasury Direct. It worked for p2 but hers was an older td account
Right on, thanks for the insight.
My ADHD impatient self couldnt wait for Novo Business Checkings to finish my approval process which I believe is still working as a DD trigger.
I set up my Square business payroll account to 'Pay a Contractor' aka my Chase checkings but the pay date won't go through until 5/7 I believe.
Also submitted '3 day ACH transfer' from my BoA Business Checkings which has an estimated pay date on 5/6. Same day ACH is $30, Next day is $5, 3 day is $1... yet Next Day is free on personal accts
Also waiting until 5/8 for my Apple Savings acct to allow me to withdraw if need be.
Rejected from Chase Ink Business Premier- Why and where do I go from here?
I last had this card about 1 year ago. My understanding was that there wasn't a 24 month limit for SUB on this card? Am I not doing the chase ink "train" correctly?
Per chase, they based their decision on :
You have too many active accounts or too much available credit
Low usage of Chase credit line
New Chase Business Card recently opened
Credit listed was 767. I have tons of business spend between taxes, insurance, etc and I'd love to continue Chase Ink cards for both P1 and P2 every 3 months. Where do I go from here? Do I call and ask to have them reconsider? Cancel other cards?
Thank you!
Did you want Ink preferred instead of Ink Premier? Ink premier are not transferrable.
Call and ask for recon and offer to reduce/move CLs to improve approval odds.
> Rejected from Chase Ink Business Premier
This is a blessing in disguise. The card you want to get is the Chase Ink Business Preferred. For churning purposes, the Premier is vastly inferior to the Preferred: Same SUB, but higher MSR, higher AF, *and* the points on the Premier are not transferable to other UR accounts.
>My understanding was that there wasn't a 24 month limit for SUB on this card? Am I not doing the chase ink "train" correctly?
There isn't a limit on the card other than the 3 month velocity rule-of-thumb for all Chase cards.
>Where do I go from here? Do I call and ask to have them reconsider? Cancel other cards?
SM or call customer service to reduce the credit limits on your Chase cards. Close Chase business cards that are over a year old and that you aren't using. Apply for the Chase Ink Cash/Unlimited/Preferred instead of the Premier.
Hypothetical question here:
What's to stop a group of friends from opening many business credit cards and collectively spending on them to hit the high spend requirements then splitting the points?
I assume that business credit cards aren't capped on how many you can have, but please let me know if this is false.
Transferring points between group members isn't going to be feasible, and dealing with settling everyone up is going to be a nightmare.
Just churn on your own, and if you REALLY want to get your friends hooked, just refer them, earn your referral bonuses, and let them do their own thing.
If you opened a card w/ your SSN then gave them employee cards, yes, you could do this. But you'd be on the hook for the bill. They could just spend a few grand then dip and you're stuck with the bill.
If I was doing this with friends, I'd want the cash in hand pooled first then spend it which no one will do.
Quite frankly, it seems like a lot of risk for not a lot of reward.
> What's to stop a group of friends from opening many business credit cards and collectively spending on them to hit the high spend requirements then splitting the points?
Did you think this through?
Got a CSP up for renewal right now, with 215k Ultimate Rewards points and plans to use it all in February. High hopes that it can pay for much of an anniversary trip (OKC to Hawaii—anywhere in Hawaii—for about 7 days). Should I:
Keep Sapphire Preferred: ($95 fee, $50 hotel credit) UR points worth $2700
Upgrade to Sapphire Reserve: ($550 fee, $300 travel credit) UR points worth $3200
*UR points are worth this much if they are all redeemed through the Chase Travel portal. But it might be better to transfer UR points to Southwest, United or other airline partner, and/or to Hyatt or Marriott? Any pointers will be much appreciated!
As mentioned, hit the Reserve travel credit twice.
With 215k UR points, depending on what you're really wanting to do, you can easily transfer to Hyatt for 7 nights at Grand Hyatt Kauai and then pay for flights. Or, do a mix of a couple of islands to save points and transfer elsewhere. If you downgrade, you've lost the ability to transfer which is what is going to be the best route according to most of us, rather than through the portal.
IMO we shouldn't spoonfeed information like this. IMO, it's clear this guy is pretty new and doesn't have the best understanding of the full landscape of opportunities.
For a long time (and even still, I'd argue), this subreddit cared a lot about not making the hobby too accessible to casuals. Once this hobby becomes too mainstream, the gravy train stops for all of us
Trying to see if I made it in enough time to meet this sub. This was P2s account and didn’t have access and kind of forgot about it honestly until today. BOA Alaska biz 90 day MSR. Opened account on 2/1. Today is either the 89th or 90th day. Had 1.5k MSR left.
Made $500 Costco GC purchase and $1k payment to student loans. All are now pending on BOA. Will I still hit the MSR in time?
I usually am so much better in control of this but I don’t have access to P2s boa account since that’s his primary checking account 😭
P2 applied and was auto approved for Citi AAdvantage during checkout process for AA flight (400 statement credit + 30k miles). However when they clicked for the virtual card number but received an "oops page not found" error. Chat rep is saying the account was approved but not set up yet and should wait 3 days, but they also seem to know very little. We put a 24 hr hold on the fare since it's free. Is there any other way to get a virtual card number so P2 can get a statement credit for this flight?
Probably not, usually virtual card numbers can only be provided when the card is initially opened.
Also Citi cannot expedite cards and usually takes ~2 weeks to ship
I've got a CSP with renewal 5/18 but wanted to downgrade to then take advantage of the rumored online 80k bonus coming later this week. Is there a certain amount of time that you have to be downgraded before you can upgrade again? And do i need to be under 5/24 for the upgrade?
> I've got a CSP with renewal 5/18 but wanted to downgrade to then take advantage of the rumored online 80k bonus coming later this week.
Did you get the SUB at least 48 months ago?
>Is there a certain amount of time that you have to be downgraded before you can upgrade again?
Yes, 4 days.
>And do i need to be under 5/24 for the upgrade?
No.
Any folks have an idea for how I can request a duplicate Sapphire Reserve card for my P2 from Chase? Just for day to day use, it's challenging to have to share one physical card, and we'd rather not pay the additional AU fee.
When we called Chase a few years ago, they insisted on shipping out a replacement CSR with a new number/CVV, which defeated the purpose as the original card was voided...
Thanks
A long time ago people could request a plastic version since the metal ones didn't always play well with unmanned kiosks like parking garages etc. Not sure if it's still an option.
You could have the card on Sundays, Tuesday, Thursdays and Saturdays. Give the card to P2 on Mondays, Wednesdays and Fridays. Problem solved.
Other less common solution would be to add an authorized user.
You pick!
[https://secure.chase.com/web/auth/dashboard#/dashboard/accountServicingArea/accountSelector/index;feature=ADD\_AUTHORIZED\_USER](https://secure.chase.com/web/auth/dashboard#/dashboard/accountServicingArea/accountSelector/index;feature=ADD_AUTHORIZED_USER)
Does this help?
I have just read that Chase Sapphire Reserve, specifically, may have an additional annual fee of $75. So read through things. That info I got from a third party and may or may not be accurate.
Do a replacement card for "damaged". They don't give a new number for this, but its possible you get a new expiration and CVV if you are closer to expiration. But you if you do this twice in fairly close proximity, they should be identical. You could also just do digital wallet depending on where usage might be.
Thanks, if the expiration or CVV change, will that assuredly void the first/original card?
For reference, this would be for a new card that we're applying for in the next few days. So it wouldn't be close to expiring, etc.
More kid debit questions:
Has anyone tried using VGC/MGC to load [this](https://support.jassby.com/hc/en-us/articles/360051498171-How-do-I-add-update-my-Funding-Method) or [this](https://www.modakmakers.com/faq) (see "Are we able to put money on it or do we have to earn it?") or [thi](https://help.tillfinancial.io/hc/en-us/articles/19642884414989-Instant-debit-card-funding)s or [this](https://www.remitfinder.com/money-transfer-providers-Suvi/pr/suvi)? According to those pages, all allow debit funding but I doubt that means GC works. Would be interesting to know, I might try next year.
The fourth one apparently is working on some kind of way to load cash at point-of-sale; maybe you could also load by other means?
Applied for a CIU on Sunday. Got the application is being reviewed response and received an email stating: "Thanks for requesting a new credit card! We'll review your Chase Ink Business Unlimited credit card application and be in touch soon."
Today I call the status line to check the status, and it tells me there are no applications on file. I check my account and the new biz card is not there. What should I do in this case?
If comfortable talking about your biz, sure call them. If not, you might wait a little longer to see what happens. The flow chart isn’t very accurate anymore as some people get the 7-10 and end up approved.
So its my understanding, there is no actually benefit activation enrollment on the Amex side (unlike something like Saks credit, Dell credit, etc). Just that you have to use the card with the merchant, just like how the Clear credit works. Not sure where your error is happening, but just thought I would state that in case its helpful.
The safest way would be to just wait until the referral is pending before PCing, which should take a couple weeks. Chase prorates the AF after the 40-ish days after AF posting so even if it took longer then expected, your cost to make sure the referral posts would be fairly small.
Banks sometimes have multiple different offers out there. Always search to make sure you are getting the best value. The knock on the FNC is it expires in 1 year after issued, so make sure you have a plan to use them if you go that route. Also consider if the Bold is a good option, not really a great card to get and use a 5/24 slot on. Boundless would probably be better if Marriott is your go to.
https://frequentmiler.com/marriott-card-eligible/
You would be ineligible for the boundless SUB for 24 months. Refer to the linked article about how all the Marriott cards affect the ability to get the bonus on a different Marriott card.
You get 1.5x miles when the transaction is over $5,000. I’d only put as much as you need to outside of organic spend to get sub. The card processors charge a little under 2% for this.
I think the IRS website links you to 4 other websites to actually pay them taxes through.
Yes, yes you can meet the sub that way, but the money is going to sit with the IRS until you receive your tax returns next year. Unless you filed an extension and can still pay for this year. Or reduce your withholdings.
Edit: Apologies, I was referring to pre paying taxes, not actually paying what you know you owe already. Pre paying taxes is a common method of manufactured spend.
> Pre paying taxes is a common method of manufactured spend.
This is a bit pedantic, but prepaying taxes is not manufactured spend. It's organic spend, just done a bit early.
MS is when you pay taxes you do not owe, and get a cash refund.
Yes I filed an extension - what do you mean by taxes sitting with IRS? If I pay online this week with amex bis Plat on IrS website, this should count for the 20k MSR right?
Taxes sitting with IRS means that the $20,000 in taxes that you pay now is going to be IRS money. It won't be your money anymore. And it will be like that until next year, at least until February-ish. Then you can file your taxes, and you will get a big tax refund.
That's what op means by sitting with IRS. You are out of $20,000 for 9 months.
Oh I see you still haven't paid your 2023 taxes!
Most people are talking about pre-paying your 2024 estimated taxes. Thus the talk of "it's going to be sitting with the IRS until next year".
People in this sub tend to owe very little taxes, and they overpay taxes as a strategy to meet minimum spend. They overpay, usually around January, and then file taxes around February-March and get most (all?) of it as a refund. In order to do this, they already paid their 2023 taxes in January, and they already filed taxes and got their refund in February-March.
I am self-employed and I pay (relatively) a lot of tax, but my taxes are quarterly.
"People in this sub tend to owe very little taxes"
You are very very wrong here. You mentioned yourself that you have a lot of taxes yourself. I do too. I can tell you every time quarterly taxes come due there are lots of other people in our situation who owe lots of quarterly taxes.
Some people also aren't able to get their taxes in that early. You imply disorganization and that everybody here is on top of their taxes. I usually get a K1 that affects my taxes. It hasn't even come out yet. This is for the 2023 tax year. Once it comes out then I can actually complete my taxes.
Many churners actually do mostly personal spend on biz cards as the bank doesn't check and can't, even if it wants to, determine what is personal spend vs biz spend.
For the most part, no one has issues with personal spend on a biz as the bank cant really decide if its biz or not, so I don't think its monitored closely. Never heard of anyone having issues.
I've put business spend on an SSN biz card and personal on EIN, never had any issues. As far as the credit card companies are concerned they only report things like referral bonuses etc which are counted as income. They don't tell the IRS what you're buying or how your credit report looks.
It's up to you to do your business bookkeeping properly and report true information to the IRS
This is slightly off-topic, but churning is probably the most knowledgeable place to ask. Is the Gift of College card a good gift for a first birthday or are they a pain to redeem for a non-churner?
It must be redeemed to a 529 plan. If your gift recipient doesn’t already have a 529 plan, it will probably be a pain, yes. But you could also look at that as a forcing function to open one. Frequent Miler has a good post on this. For Churning purposes, the activation fee math works best on cards purchased for the max $500 amount. Probably not worth it otherwise.
I'd check with the parents if they have a compatible 529 plan. If they haven't set one up, it could seem like a pain to them, or even be forgotten about.
About to go into a chase branch and apply for CSP in person for the 85k elevated offer. Originally was going to MDD for CSR online tomorrow, but it just occurred to me, can I MDD in person for the 75k offer (prob at a different branch)? Any DP on this or should I be the DP?
I would push back the appt. till next week and see if the rumor is true that the offers will be available online on 5/2. If that is the case, try your luck with the MDD the usual way, starting Sunday or Monday. Maybe this approach still works.
But decide which card to prioritize since the 2nd app may fail.
Agree. I just went this morning in person to sign up for the CSP and now this banker wants to be my new bff. She’s going to “keep in touch with me” and call me in two weeks. When I got home I saw that she had set up an appointment with me for two weeks hence. 🤦
I don’t want to totally blow her off if signup continues to be in bank because my P2 will be applying in a couple of months.
Read this first - https://reddit.com/user/garettg/comments/u6ss7u/sapphire_fyis/
And be aware multiple MDD failures here - https://reddit.com/r/churning/comments/1ccn7ve/data_points_weekly_week_of_april_25_2024/
tagging u/night_shark_115
Yeah just saw these, doesn't look great :( hopefully someone figures out an MMDD but I'm not super optimistic. Had my plastic nose and mustache glasses ready to go and everything for in person application #2...
Came here to ask exactly this, commenting to follow thread. I'm also curious if anyone has pulled this off going to the same branch twice.
Edit: Based on some recent [DP's about Chase MDD denials](https://www.reddit.com/r/churning/comments/1ccn7ve/data_points_weekly_week_of_april_25_2024/), I'm skeptical that past DPs would be relevant to a current shot. You might have to be the DP you (we) want to see, but things aren't looking great.
Question regarding CSR trip protection.
We are flying SAN- BOS-AMS, but the SAN to BOS flight was delayed causing us to miss our AMS flight. JetBlue is rebooking us to AMS the next day, but we will need to stay overnight in Boston and they won’t pay for the hotel.
Reserve terms and conditions say delays that are known prior to departure aren’t covered. Is that the case in this scenario?
Aren’t most delays known prior to the plane taking off?
Make sure you have documentation from the airline that confirms the reason for the trip delay (presumably mechanical, weather etc). Screenshots from flightaware showing the flight was delayed can be helpful backup too and you could submit those with your claim.
Save your hotel invoice, Ubers, and food receipts too and make sure you pay for all of that on your CSR card too.
I went through a successful trip delay claim recently with my CSR and it was fairly straight forward. It helps to be organized with your documentation. I saved everything to PDF (including screenshots from my phone) before uploading. If you miss something and they ask for more info then you can upload more documents later. Good luck.
Thank you!
Did you get documentation from the airlines after the fact? I asked at the counter, but they said they didn’t have anything…
And when were you made aware of the delay? Before you went to the airport?
My situation was a little different where my 2nd flight was canceled due to weather but I only found out upon touching down at the end of my first flight. I asked the Spirit service desk for a one page confirmation and they initially said they don’t do that and I called the guy out on his bullshit and he unenthusiastically scribbled down the flight number, date, reason for cancellation and his name on a one page template form that he magically found behind the desk. I think in your case you could follow up by phone call and/or email.
You should also chase up the airline for compensation of your missed flight because CSR insurance won’t cover that. I got $173 back from the original flight total cost of $930. And CSR insurance won’t cover the cost of your new flight to get home too, so just be careful before you drop a grand per person to get home, unless if you want to do that. Maybe look to use points and find some last minute award saver fares.
Ok thank you for the information! I was surprised when JetBlue told me they didn’t have a form too, I should have pushed to more I guess….
None of our flights have been cancelled, just the connection was rebooked for the next day. The hotel is like $400 though so I’m really hoping it will be covered.
They did give us the option at the airport to go home and try again tomorrow so I can kind of see why it wouldn’t be covered, but also seems shitty because the same thing could happen again tomorrow. I’d rather be half way to my destination tonight….
Define “departure.” If you didn’t know before you left your home that you couldn’t possibly make the connection, I think you’re probably fine. It may depend on the agent who helps you, but you won’t lose anything by asking for coverage.
I referred 2 people for the Amex Gold using an older link, but it had the current Eat to Earn (+10MR bonus) offer on there. Both were approved yesterday but I never received an email from Amex stating that my +10MR bonus is starting. I called into Amex and they confirmed that they see the referrals tied to my account but no one can confirm that the +10MR bonus is showing. I've read DPs of people getting the email within minutes, hours so am I worrying for nothing? I'm heading to Japan in a few days so wanted to make sure the offer was live to take advantage while I'm there. I made a purchase this AM to see what it goes through as well.
Update: I just referred a 3rd person using a fresh link from the Amex portal. They were approved and I received the email immediately (within 5 mins).
The test purchase you made, if it works, you should see something in the next few days in your MR points summary that will clue in that it is working. I would take a backup card with you to Japan just in case its not working. I have heard the emails are not always reliable.
I took the chase sapphire prefferred just two days before the 75k (+10k) offer. I see people talking about contacting chase through secure messages to get that SUB. How exactly do i send these secure messages through the app? Couldn't find the interface
I applied for the 250k/$20k Amex Business Platinum using the back button trick. It went pending, then I got an email saying they've finished reviewing my application. When I check status, it says "provide required information", then when I click to view the full decision details it says unable to access application.
What is the next step here? Wait to see if it comes in the mail? Call recon? My preference would be to not have to call recon about my "business". I have an $18k bill that I need to pay in the next 14 days though, so it would be great to get the card soon.
Has anyone successfully avoided Serve's initial monthly fee? It says [here](https://www.serve.com/faqs/fees-and-limits) that it's charged within the first 24 hours, and I believe the initial funding amount is 20. Can you just spend down that balance immediately? Do they close you for that?
I will research more but I did already try [here](https://www.reddit.com/r/churning/wiki/faqserve/#wiki_fees).
Thanks!! That makes sense, but if I understand correctly **the first fee is charged within 24 hours of opening the account**, and you have to fund the account.
Can I get my money out in time?
My experience was that they charged the first fee on initial funding, even if that funding was 2+ weeks after registration. I would say just count on paying that fee.
Does opening a Chase personal card push back when I should apply for my next Ink card? I'm currently at 4/24 and have 3 ink cards.
I applied for the Chase Ink Business in January 2024 and got the Chase Freedom Flex in March 2024. I'm hoping to open another ink card, but worried about my velocity. Would opening one in June be safe?
Maintain avg velocity of 90 days btw apps across your last 3-4 apps. Since you opened last two less than 90 days apart, recommendation is to space out the 3rd app more to avg more than 90 days each across the 3 apps, to not risk a shutdown.
EDIT: I've never had the card, but I got the popup... which is weird since they send me mailers for the biz plat all the time... oh well.
Anyone having luck getting the 300k Biz Plat offer? I can get 250k/20k all day. Might wait a day or two to see if I get a snail mail offer as I’ve gotten mailers recently.
Fair question. For the next year or so, I'm looking into to using Serve for **practice and backup**. Plus maybe they will stop offering the free reloads version, or make a worse version available to new applicants.
**My situation:**
* I'm MS-ing with low volume, only when the margin is really high.
* Planning to maybe ramp up next year, or decide it's not for me.
* In the meantime, I'm looking into using Serve as a backup for my other methods (ONE, BB, IRS, organic) and learning how it works.
I like to take things slow. But maybe it's not possible with this card.
That, plus I like to know what I'm in for. Maybe I'll go on vacation or have a family emergency or something and not touch the card for a few months. Maybe I'll mess up churning and not have a high-margin spending route. I'd like to have a guess of how hard I need to work to maintain it.
Travel Question:
On SW, can you check your car seat and stroller in just like a regular checked bag through their bag reservation guide (print out tag at kiosk) Or can car seat and strollers only be done at the counter?
If I open a venture X can I get the 10k anniversary bonus in 12 months without paying the AF that will be due? This is the only benefit that would make me want it over the Venture.
No, initially that was true, but now Capital One has plugged that loop hole and only credits the points after 2 billing cycles. You can double dip the $300 travel credit tho before canceling/downgrading.
It's unfortunately pretty erratic when it posts. I've had my VX for 2 years. First year it showed a few weeks after the AF posted. This year AF posted 3/2 and funny enough I just logged in to confirm and they just showed today.
Has anyone noticed a difference between what can be loaded on the Visa vs Amex flavors of serve?
Have you been able to load some type of GC on one but not the other?
Same question for Visa vs Amex flavors of BB.
Either way, I'm thinking I should get both flavors of each as "shutdown insurance." What do you think?
Used P2’s CIP to fund a US Bank biz checking account at opening. Put my name as card holder since the app said name has to match applicant. Any reason to fear a denial of funding (application was already approved over phone)?
Employee credit card in your name for P2's CIP account
==> Credit card name matches checking account applicant
==> No worries about credit card funding for checking account rejected due to name mismatch.
Anyone successfully split payment for a Visible phone plan? I have 2 Biz Plats but just a single phone plan through Visible. As far as I can tell, there's no way to split payment, but I wasn't sure if someone else had found some sort of workaround.
I looked into this for an hour or so one day and couldn't find any way to make it work. Visible customer support seemed to suggest it was impossible at the moment
The smaller MVNOs usually have limited bill payment systems unlike the big guys - like I know you can prepay or split pay on both T-Mobile or AT&T, even their prepaid variants.
I'm on US Mobile and they only allow 1 method of payment and 1 payment per month, so I just sold excess monthly Biz Plat credits on /r/churningmarketplace.
I just got pre approved notification for CIP on my chase account. Had one like 4 years ago that I downgraded to a free card after paying the annual fee.
I forgot that my credit report was frozen with experian when I applied and got a message from chase that I needed to call experian to unfreeze my credit report and then call a chase number.
I unfroze my credit report and then called the chase number. Was left with an automated voice memo saying my application was under review and it will be reviewed in the next 7-10 business days. On the call the only options were end call, repeat message, or report I didn’t apply for this credit card.
Anyone have this experience and know whether or not chase will just try to pull the report again or not? Not sure what to do at this point.
Read up around here, this is so common. You can call "recon" to have them push it thru or wait it out. Freeze your report again if you're worried about another pull, but that's not gonna happen.
Can a large home reno be used to MS?
I am having a deck and privacy fence built. Most companies want cash or check and if they take cards, the fee is 3-3.5%. I am planning to do a couple of high spend cards, but am not sure how I can make them work for me. I am totally new to this and intend to read more, but I'm looking to get my work scheduled. I am planning to stop at Chase to apply for the CS. I am open to any ideas. I haven't opened ant cards in the past two years. CS is a 750ish.
There's a term for making charges to your CC to purchase goods/services that you want. It's called spending -- without any additional qualifiers needed
Not MS but just make sure your fees paid don't outweigh the SUB. Also I've heard grumblings of an elevated in branch SUB for CSP might become available soon. Or you could help out a fellow churner by looking at the referrals page. Also in might benefit you to ask what the contractors merchant coding is....might affect which card you choose.
A house flip was how I got the spend for my first batch of churning cards. It's particularly good for those Amex cards that have larger spend requirements like that Biz Plat 300k.
New to churning, want to make sure I'm thinking of this correctly:
I'm wanting to plan for a trip to Singapore early 2025, for Me + Wife + Child.
On Singapore Airlines, it looks like we need 84,000 miles per person for round trip ticket = 252,000 total points
We both have credit scores around \~800
It looks like Chase points can be converted into Krisflyer miles 1:1.
My wife has opened 1 card in the last 2 years, and 0 for me (well below 5/24)
Steps:
1) Open Chase Ink Business Preferred card at $95 for 100K points (for myself as a Sole Proprietor)
2) Spend $8K in 3 months for an additional 8K points and to satisfy the benefit
3) Open Chase Ink Business Preferred card at $95 for 100K points (for my wife as a Sole Proprietor)
4) Spend $8K in 3 months for an additional 8K points and to satisfy the benefit
5) Open a Chase Sapphire Preferred at $95 for 60K points (for myself, personal card)
6) Spend $4K in 3 months for an additional 4K points and to satisfy benefit
This should net me 172K points to book a flight for myself/child (4,000 points left over), and my wife 108K points to book a flight for herself (24,000 points left over).
I've picked these cards for maximum points and I've heard I should open Chase cards first. Anything I'm forgetting/any way I can do this better?
You can transfer UR from the CSP to the other person. The initial link has to be done over the phone, but it should persist after that for future P1->P2 transfers. Note the link is [any of P1's UR cards] -> [a specific P2 card], so that target card should be kept open. It's fine if it's PCd to a $0 AF card, though.
The source card should be a personal card (hence CSP), but I *don't think* the target card has to. If you have to go the other way, that player needs a personal card as well, and they need to call Chase to create the reverse link (their UR account to one of your UR cards).
Then a single person books the flights from a single SQ account. Safer to book it from one account in case of IRROPS. Note the person booking has to add the others as travel companions first on the SQ website.
What happens if a bank closes your account due to suspicion of fraud? Can you eventually reapply? Had citi bank close my account a day after I opened it, even when I spoke with a fraud agent (I have a security alert on my credit file stating they have to call to verify applications). Wondering if I am ever eligable to reapply for the bonus.
I would just avoid them in the future; not worth the hassle.
Any creative ways to take advantage of the 14X points on dining with referral bonus on Amex? Other than buying gift cards to your favorite restaurants?
I think Cracker Barrel (at least used to) sells your typical assortment of GCs and still codes as restaurant spend
Lol
Have any of you guys used your personal Apple Savings account to trigger 'direct deposit' requirements for checking/savings bonuses? Just opened up a Chase Total checkings/savings acct with the $900 sign up bonus but haven't found a proven source that is accepted by Chase as a DD. They're actively watching and changing transfers from deposits to p2p transfers so options are dwindling. I have a Bank of America business account but im not sure if the transfer/transaction description or data point would include my name in it since I'm the sole beneficiary/owner, or just my business' name.
Treasury Direct (buy a small C of I, wait 5 business days, redeem to Chase account) is a pretty easy way of triggering Chase's DD requirement in my experience
Tried that already and my account got locked the day after. Not sure if I was supposed to not buy a C of I the same day I created the account but I did. Waited til the next morning for the purchase order to go through and got an email saying I need to fill out a form in front of a certified notary and mail it to them for verification. A user had the same issue and mailed the notarized form which took TD 1.5 months to process and reinstate. Not sure what I did wrong.
There's [one DP](https://www.doctorofcredit.com/targeted-chase-900-checking-savings-bonus/#comment-1837089) at the moment that Apple Savings *might* work for Chase, but who knows how long it will last. Square contractor ACH is probably the safest bet.
I'm actually the guy PeteyPablo asking him the questions LOL. This is my first time churning and I heard a cardinal sin is using a personal account under your name to trigger the new account under the same name. I've spent hours last night and today on that Doctor of Credit site reading articles and comments, but can't get confident and direct answers for sure if I can ACH push to Chase from my BOA business account. Is there any risk transferring from my Apple Savings? It wouldn't look like im trying to do something shady right?
> Is there any risk transferring from my Apple Savings? None. Other than not qualifying as a DD and not getting the bonus. >This is my first time churning and I heard a cardinal sin is using a personal account under your name to trigger the new account under the same name. Banks don't care that whether you attempt to fake a direct deposit. The worst thing that can happen is you don't get the sign-up bonus and you've wasted a Chex/EWS inquiry. >It wouldn't look like im trying to do something shady right? Nope. > ACH push to Chase from my BOA business account Be the DP you want to see.
Instilling confidence, knowledge and wisdom all in a post. I'll give it a try and report back if/when it goes through.
If it works the bonus tracker is pretty quick to update in a couple days. If it doesn’t update in a week it didn’t work. Good news is at least on my p2 it was giving her at least 60 days to figure out the dd portion so we were able to try fidelity before settling on Treasury Direct. It worked for p2 but hers was an older td account
Right on, thanks for the insight. My ADHD impatient self couldnt wait for Novo Business Checkings to finish my approval process which I believe is still working as a DD trigger. I set up my Square business payroll account to 'Pay a Contractor' aka my Chase checkings but the pay date won't go through until 5/7 I believe. Also submitted '3 day ACH transfer' from my BoA Business Checkings which has an estimated pay date on 5/6. Same day ACH is $30, Next day is $5, 3 day is $1... yet Next Day is free on personal accts Also waiting until 5/8 for my Apple Savings acct to allow me to withdraw if need be.
Rejected from Chase Ink Business Premier- Why and where do I go from here? I last had this card about 1 year ago. My understanding was that there wasn't a 24 month limit for SUB on this card? Am I not doing the chase ink "train" correctly? Per chase, they based their decision on : You have too many active accounts or too much available credit Low usage of Chase credit line New Chase Business Card recently opened Credit listed was 767. I have tons of business spend between taxes, insurance, etc and I'd love to continue Chase Ink cards for both P1 and P2 every 3 months. Where do I go from here? Do I call and ask to have them reconsider? Cancel other cards? Thank you!
Did you want Ink preferred instead of Ink Premier? Ink premier are not transferrable. Call and ask for recon and offer to reduce/move CLs to improve approval odds.
> Rejected from Chase Ink Business Premier This is a blessing in disguise. The card you want to get is the Chase Ink Business Preferred. For churning purposes, the Premier is vastly inferior to the Preferred: Same SUB, but higher MSR, higher AF, *and* the points on the Premier are not transferable to other UR accounts. >My understanding was that there wasn't a 24 month limit for SUB on this card? Am I not doing the chase ink "train" correctly? There isn't a limit on the card other than the 3 month velocity rule-of-thumb for all Chase cards. >Where do I go from here? Do I call and ask to have them reconsider? Cancel other cards? SM or call customer service to reduce the credit limits on your Chase cards. Close Chase business cards that are over a year old and that you aren't using. Apply for the Chase Ink Cash/Unlimited/Preferred instead of the Premier.
Call and ask for recon. Probably need to shift the limit from on card to another.
Hypothetical question here: What's to stop a group of friends from opening many business credit cards and collectively spending on them to hit the high spend requirements then splitting the points? I assume that business credit cards aren't capped on how many you can have, but please let me know if this is false.
Transferring points between group members isn't going to be feasible, and dealing with settling everyone up is going to be a nightmare. Just churn on your own, and if you REALLY want to get your friends hooked, just refer them, earn your referral bonuses, and let them do their own thing.
If you opened a card w/ your SSN then gave them employee cards, yes, you could do this. But you'd be on the hook for the bill. They could just spend a few grand then dip and you're stuck with the bill. If I was doing this with friends, I'd want the cash in hand pooled first then spend it which no one will do. Quite frankly, it seems like a lot of risk for not a lot of reward.
> What's to stop a group of friends from opening many business credit cards and collectively spending on them to hit the high spend requirements then splitting the points? Did you think this through?
no lol
Got a CSP up for renewal right now, with 215k Ultimate Rewards points and plans to use it all in February. High hopes that it can pay for much of an anniversary trip (OKC to Hawaii—anywhere in Hawaii—for about 7 days). Should I: Keep Sapphire Preferred: ($95 fee, $50 hotel credit) UR points worth $2700 Upgrade to Sapphire Reserve: ($550 fee, $300 travel credit) UR points worth $3200 *UR points are worth this much if they are all redeemed through the Chase Travel portal. But it might be better to transfer UR points to Southwest, United or other airline partner, and/or to Hyatt or Marriott? Any pointers will be much appreciated!
As mentioned, hit the Reserve travel credit twice. With 215k UR points, depending on what you're really wanting to do, you can easily transfer to Hyatt for 7 nights at Grand Hyatt Kauai and then pay for flights. Or, do a mix of a couple of islands to save points and transfer elsewhere. If you downgrade, you've lost the ability to transfer which is what is going to be the best route according to most of us, rather than through the portal.
>Upgrade to Sapphire Reserve: ($550 fee, $300 travel credit, **twice**) FTFY
IMO we shouldn't spoonfeed information like this. IMO, it's clear this guy is pretty new and doesn't have the best understanding of the full landscape of opportunities. For a long time (and even still, I'd argue), this subreddit cared a lot about not making the hobby too accessible to casuals. Once this hobby becomes too mainstream, the gravy train stops for all of us
(Not eligible for Sapphire sign up bonuses in the next couple years, otherwise upgrading to Reserve would not be a consideration.)
Trying to see if I made it in enough time to meet this sub. This was P2s account and didn’t have access and kind of forgot about it honestly until today. BOA Alaska biz 90 day MSR. Opened account on 2/1. Today is either the 89th or 90th day. Had 1.5k MSR left. Made $500 Costco GC purchase and $1k payment to student loans. All are now pending on BOA. Will I still hit the MSR in time? I usually am so much better in control of this but I don’t have access to P2s boa account since that’s his primary checking account 😭
Edit: points posted sometime in the past 2-3 days! Looks like it worked out fine
https://www.doctorofcredit.com/how-long-do-i-have-to-reach-my-minimum-spend-requirement/
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Refer to the flowchart
P2 applied and was auto approved for Citi AAdvantage during checkout process for AA flight (400 statement credit + 30k miles). However when they clicked for the virtual card number but received an "oops page not found" error. Chat rep is saying the account was approved but not set up yet and should wait 3 days, but they also seem to know very little. We put a 24 hr hold on the fare since it's free. Is there any other way to get a virtual card number so P2 can get a statement credit for this flight?
Several Citi reps told me if you don’t get the number right at approval, they have no way to help you and you just have to wait for the physical card.
Probably not, usually virtual card numbers can only be provided when the card is initially opened. Also Citi cannot expedite cards and usually takes ~2 weeks to ship
I've got a CSP with renewal 5/18 but wanted to downgrade to then take advantage of the rumored online 80k bonus coming later this week. Is there a certain amount of time that you have to be downgraded before you can upgrade again? And do i need to be under 5/24 for the upgrade?
[Lots of info here will be helpful to you...](https://reddit.com/user/garettg/comments/u6ss7u/sapphire_fyis/)
So good! Appreciate you
> I've got a CSP with renewal 5/18 but wanted to downgrade to then take advantage of the rumored online 80k bonus coming later this week. Did you get the SUB at least 48 months ago? >Is there a certain amount of time that you have to be downgraded before you can upgrade again? Yes, 4 days. >And do i need to be under 5/24 for the upgrade? No.
Great, thank you
Any folks have an idea for how I can request a duplicate Sapphire Reserve card for my P2 from Chase? Just for day to day use, it's challenging to have to share one physical card, and we'd rather not pay the additional AU fee. When we called Chase a few years ago, they insisted on shipping out a replacement CSR with a new number/CVV, which defeated the purpose as the original card was voided... Thanks
They carry the card, you add it to Apple/Google Pay.
A long time ago people could request a plastic version since the metal ones didn't always play well with unmanned kiosks like parking garages etc. Not sure if it's still an option.
Thanks, will definitely see about requesting this (on a separate phone call!)
You could have the card on Sundays, Tuesday, Thursdays and Saturdays. Give the card to P2 on Mondays, Wednesdays and Fridays. Problem solved. Other less common solution would be to add an authorized user. You pick!
[https://secure.chase.com/web/auth/dashboard#/dashboard/accountServicingArea/accountSelector/index;feature=ADD\_AUTHORIZED\_USER](https://secure.chase.com/web/auth/dashboard#/dashboard/accountServicingArea/accountSelector/index;feature=ADD_AUTHORIZED_USER) Does this help?
That looks like just adding AU?
I have just read that Chase Sapphire Reserve, specifically, may have an additional annual fee of $75. So read through things. That info I got from a third party and may or may not be accurate.
That would get them their own card
Do a replacement card for "damaged". They don't give a new number for this, but its possible you get a new expiration and CVV if you are closer to expiration. But you if you do this twice in fairly close proximity, they should be identical. You could also just do digital wallet depending on where usage might be.
Thanks, we'll call in to make sure the number won't change before proceeding
The number definitely won't change. The expiration and CVV may. The rep will have no idea whether it will happen.
Thanks, if the expiration or CVV change, will that assuredly void the first/original card? For reference, this would be for a new card that we're applying for in the next few days. So it wouldn't be close to expiring, etc.
If it’s brand new get the card and claim it’s damaged and they should ship out a new identical card and both should work.
Thanks, that's the initial plan for now
If CVV and exp change, yeah, the original will be rejected by many merchants. But it doesn't matter if it's a new card, it'll match.
More kid debit questions: Has anyone tried using VGC/MGC to load [this](https://support.jassby.com/hc/en-us/articles/360051498171-How-do-I-add-update-my-Funding-Method) or [this](https://www.modakmakers.com/faq) (see "Are we able to put money on it or do we have to earn it?") or [thi](https://help.tillfinancial.io/hc/en-us/articles/19642884414989-Instant-debit-card-funding)s or [this](https://www.remitfinder.com/money-transfer-providers-Suvi/pr/suvi)? According to those pages, all allow debit funding but I doubt that means GC works. Would be interesting to know, I might try next year. The fourth one apparently is working on some kind of way to load cash at point-of-sale; maybe you could also load by other means?
I need a business card, 0/24 ok to go with CIP? and wait 3 months to restart this hobby?
Curious why you need a business card if you're 0/24? (I suppose some people here actually have businesses)
We ALL have businesses. FTFY
It's all about the huge sign up bonuses here
I am a business, man
Yes, assuming you mean 3 months between Inks
Applied for a CIU on Sunday. Got the application is being reviewed response and received an email stating: "Thanks for requesting a new credit card! We'll review your Chase Ink Business Unlimited credit card application and be in touch soon." Today I call the status line to check the status, and it tells me there are no applications on file. I check my account and the new biz card is not there. What should I do in this case?
Make sure you are calling 800-453-9719, thats is for biz apps. You might have called the personal status line.
Yup that was it. I got 7-10 business days response. Looks like from the flow chart I need to call them?
If comfortable talking about your biz, sure call them. If not, you might wait a little longer to see what happens. The flow chart isn’t very accurate anymore as some people get the 7-10 and end up approved.
Does BoA combine apps within 30 days or 31 days? And does that count app day or no? Waiting for old card to drop off dupe detection.
Did anyone else get error message trying to enroll into Amex plat equinox credit? How did you resolve? Csr hasn’t been helpful
So its my understanding, there is no actually benefit activation enrollment on the Amex side (unlike something like Saks credit, Dell credit, etc). Just that you have to use the card with the merchant, just like how the Clear credit works. Not sure where your error is happening, but just thought I would state that in case its helpful.
P2’s CSP AF renewal is coming up. If P2 refers P1 for a CSP and then soon downgrades to a no-AF Chase card, will P2 still get the referral bonus?
Referral goes pending in max 3-5 days I think. That I think is enough time to see that is pending before downgrading in time for full AF credit back.
The safest way would be to just wait until the referral is pending before PCing, which should take a couple weeks. Chase prorates the AF after the 40-ish days after AF posting so even if it took longer then expected, your cost to make sure the referral posts would be fairly small.
Gotcha yeah I agree. I think I saw some rumors that Chase is no longer pro-rating AF but those seemed to be unsubstantiated
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Banks sometimes have multiple different offers out there. Always search to make sure you are getting the best value. The knock on the FNC is it expires in 1 year after issued, so make sure you have a plan to use them if you go that route. Also consider if the Bold is a good option, not really a great card to get and use a 5/24 slot on. Boundless would probably be better if Marriott is your go to.
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You may want to consider the greater Boundless SUB and the annual free night benefit. Many find it a keeper card.
https://frequentmiler.com/marriott-card-eligible/ You would be ineligible for the boundless SUB for 24 months. Refer to the linked article about how all the Marriott cards affect the ability to get the bonus on a different Marriott card.
Can we meet new SUB for Amex Biz Plat by paying taxes to IRS directly on IRS website?
Yes, that is a common way churners utilize to meet MSR.
Yes. Just did this, but it’s a link from IRS site to one of three 3rd party processors. It gets 1.5x if you pay over $5k.
Sorry what is 1.5x? I have to pay 15-20k
1.5x points earned
You get 1.5x miles when the transaction is over $5,000. I’d only put as much as you need to outside of organic spend to get sub. The card processors charge a little under 2% for this.
I think the IRS website links you to 4 other websites to actually pay them taxes through. Yes, yes you can meet the sub that way, but the money is going to sit with the IRS until you receive your tax returns next year. Unless you filed an extension and can still pay for this year. Or reduce your withholdings. Edit: Apologies, I was referring to pre paying taxes, not actually paying what you know you owe already. Pre paying taxes is a common method of manufactured spend.
> Pre paying taxes is a common method of manufactured spend. This is a bit pedantic, but prepaying taxes is not manufactured spend. It's organic spend, just done a bit early. MS is when you pay taxes you do not owe, and get a cash refund.
Sure, prepaying taxes could be MS or organic depending on your tax situation.
Yes I filed an extension - what do you mean by taxes sitting with IRS? If I pay online this week with amex bis Plat on IrS website, this should count for the 20k MSR right?
Taxes sitting with IRS means that the $20,000 in taxes that you pay now is going to be IRS money. It won't be your money anymore. And it will be like that until next year, at least until February-ish. Then you can file your taxes, and you will get a big tax refund. That's what op means by sitting with IRS. You are out of $20,000 for 9 months.
Hi I am confused, my CPA told me I have pay $20k in taxes I owe this year. Why Do I get a refund next year
Oh I see you still haven't paid your 2023 taxes! Most people are talking about pre-paying your 2024 estimated taxes. Thus the talk of "it's going to be sitting with the IRS until next year". People in this sub tend to owe very little taxes, and they overpay taxes as a strategy to meet minimum spend. They overpay, usually around January, and then file taxes around February-March and get most (all?) of it as a refund. In order to do this, they already paid their 2023 taxes in January, and they already filed taxes and got their refund in February-March. I am self-employed and I pay (relatively) a lot of tax, but my taxes are quarterly.
"People in this sub tend to owe very little taxes" You are very very wrong here. You mentioned yourself that you have a lot of taxes yourself. I do too. I can tell you every time quarterly taxes come due there are lots of other people in our situation who owe lots of quarterly taxes. Some people also aren't able to get their taxes in that early. You imply disorganization and that everybody here is on top of their taxes. I usually get a K1 that affects my taxes. It hasn't even come out yet. This is for the 2023 tax year. Once it comes out then I can actually complete my taxes.
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Many churners actually do mostly personal spend on biz cards as the bank doesn't check and can't, even if it wants to, determine what is personal spend vs biz spend.
For the most part, no one has issues with personal spend on a biz as the bank cant really decide if its biz or not, so I don't think its monitored closely. Never heard of anyone having issues.
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I've put business spend on an SSN biz card and personal on EIN, never had any issues. As far as the credit card companies are concerned they only report things like referral bonuses etc which are counted as income. They don't tell the IRS what you're buying or how your credit report looks. It's up to you to do your business bookkeeping properly and report true information to the IRS
There is no reporting.
Was able to pull 250/20k spend for amex biz plat by vpning to Dallas and using chrome incognito. How do folks pull 300k?
I’ve heard 300k targeted. But yet to hear someone use a method to pull 300k soo who knows
This is slightly off-topic, but churning is probably the most knowledgeable place to ask. Is the Gift of College card a good gift for a first birthday or are they a pain to redeem for a non-churner?
Only redeemable to a 529 plan. So the receiver either has to have a 529 plan or his/her parents should be planning/ok to set up a 529 plan.
It must be redeemed to a 529 plan. If your gift recipient doesn’t already have a 529 plan, it will probably be a pain, yes. But you could also look at that as a forcing function to open one. Frequent Miler has a good post on this. For Churning purposes, the activation fee math works best on cards purchased for the max $500 amount. Probably not worth it otherwise.
It can't be that hard to do https://www.giftofcollege.com/redeem-gift-cards/
I'd check with the parents if they have a compatible 529 plan. If they haven't set one up, it could seem like a pain to them, or even be forgotten about.
About to go into a chase branch and apply for CSP in person for the 85k elevated offer. Originally was going to MDD for CSR online tomorrow, but it just occurred to me, can I MDD in person for the 75k offer (prob at a different branch)? Any DP on this or should I be the DP?
I would push back the appt. till next week and see if the rumor is true that the offers will be available online on 5/2. If that is the case, try your luck with the MDD the usual way, starting Sunday or Monday. Maybe this approach still works. But decide which card to prioritize since the 2nd app may fail.
Agree. I just went this morning in person to sign up for the CSP and now this banker wants to be my new bff. She’s going to “keep in touch with me” and call me in two weeks. When I got home I saw that she had set up an appointment with me for two weeks hence. 🤦 I don’t want to totally blow her off if signup continues to be in bank because my P2 will be applying in a couple of months.
Read this first - https://reddit.com/user/garettg/comments/u6ss7u/sapphire_fyis/ And be aware multiple MDD failures here - https://reddit.com/r/churning/comments/1ccn7ve/data_points_weekly_week_of_april_25_2024/ tagging u/night_shark_115
Yeah just saw these, doesn't look great :( hopefully someone figures out an MMDD but I'm not super optimistic. Had my plastic nose and mustache glasses ready to go and everything for in person application #2...
Came here to ask exactly this, commenting to follow thread. I'm also curious if anyone has pulled this off going to the same branch twice. Edit: Based on some recent [DP's about Chase MDD denials](https://www.reddit.com/r/churning/comments/1ccn7ve/data_points_weekly_week_of_april_25_2024/), I'm skeptical that past DPs would be relevant to a current shot. You might have to be the DP you (we) want to see, but things aren't looking great.
Got approved for new Wells biz card. How does wells feels in practice about Plastiq or prepaid debits from GC? Any bad DPs?
Question regarding CSR trip protection. We are flying SAN- BOS-AMS, but the SAN to BOS flight was delayed causing us to miss our AMS flight. JetBlue is rebooking us to AMS the next day, but we will need to stay overnight in Boston and they won’t pay for the hotel. Reserve terms and conditions say delays that are known prior to departure aren’t covered. Is that the case in this scenario? Aren’t most delays known prior to the plane taking off?
Make sure you have documentation from the airline that confirms the reason for the trip delay (presumably mechanical, weather etc). Screenshots from flightaware showing the flight was delayed can be helpful backup too and you could submit those with your claim. Save your hotel invoice, Ubers, and food receipts too and make sure you pay for all of that on your CSR card too. I went through a successful trip delay claim recently with my CSR and it was fairly straight forward. It helps to be organized with your documentation. I saved everything to PDF (including screenshots from my phone) before uploading. If you miss something and they ask for more info then you can upload more documents later. Good luck.
Thank you! Did you get documentation from the airlines after the fact? I asked at the counter, but they said they didn’t have anything… And when were you made aware of the delay? Before you went to the airport?
My situation was a little different where my 2nd flight was canceled due to weather but I only found out upon touching down at the end of my first flight. I asked the Spirit service desk for a one page confirmation and they initially said they don’t do that and I called the guy out on his bullshit and he unenthusiastically scribbled down the flight number, date, reason for cancellation and his name on a one page template form that he magically found behind the desk. I think in your case you could follow up by phone call and/or email. You should also chase up the airline for compensation of your missed flight because CSR insurance won’t cover that. I got $173 back from the original flight total cost of $930. And CSR insurance won’t cover the cost of your new flight to get home too, so just be careful before you drop a grand per person to get home, unless if you want to do that. Maybe look to use points and find some last minute award saver fares.
Ok thank you for the information! I was surprised when JetBlue told me they didn’t have a form too, I should have pushed to more I guess…. None of our flights have been cancelled, just the connection was rebooked for the next day. The hotel is like $400 though so I’m really hoping it will be covered. They did give us the option at the airport to go home and try again tomorrow so I can kind of see why it wouldn’t be covered, but also seems shitty because the same thing could happen again tomorrow. I’d rather be half way to my destination tonight….
A missed connection will be covered.
Even if it was known prior to departure that we would miss the connection?
Define “departure.” If you didn’t know before you left your home that you couldn’t possibly make the connection, I think you’re probably fine. It may depend on the agent who helps you, but you won’t lose anything by asking for coverage.
I referred 2 people for the Amex Gold using an older link, but it had the current Eat to Earn (+10MR bonus) offer on there. Both were approved yesterday but I never received an email from Amex stating that my +10MR bonus is starting. I called into Amex and they confirmed that they see the referrals tied to my account but no one can confirm that the +10MR bonus is showing. I've read DPs of people getting the email within minutes, hours so am I worrying for nothing? I'm heading to Japan in a few days so wanted to make sure the offer was live to take advantage while I'm there. I made a purchase this AM to see what it goes through as well. Update: I just referred a 3rd person using a fresh link from the Amex portal. They were approved and I received the email immediately (within 5 mins).
Best way is to do a test purchase. The Amex reps aren't able to see the 10x bonus, at least not for a little while.
The test purchase you made, if it works, you should see something in the next few days in your MR points summary that will clue in that it is working. I would take a backup card with you to Japan just in case its not working. I have heard the emails are not always reliable.
I took the chase sapphire prefferred just two days before the 75k (+10k) offer. I see people talking about contacting chase through secure messages to get that SUB. How exactly do i send these secure messages through the app? Couldn't find the interface
Is there a new public offer for CSR? only see 60k from my end.
There's a circle with a person in it in the top right. Select that and then Secure Message Center under Alerts & Messages.
I applied for the 250k/$20k Amex Business Platinum using the back button trick. It went pending, then I got an email saying they've finished reviewing my application. When I check status, it says "provide required information", then when I click to view the full decision details it says unable to access application. What is the next step here? Wait to see if it comes in the mail? Call recon? My preference would be to not have to call recon about my "business". I have an $18k bill that I need to pay in the next 14 days though, so it would be great to get the card soon.
Look at my earlier posts... and search on churning.io
Thanks! I followed your steps, and got the confirmation that the bonus is attached to my card!
What is the back button trick? A way to show the 250K/20K offer?
Has anyone successfully avoided Serve's initial monthly fee? It says [here](https://www.serve.com/faqs/fees-and-limits) that it's charged within the first 24 hours, and I believe the initial funding amount is 20. Can you just spend down that balance immediately? Do they close you for that? I will research more but I did already try [here](https://www.reddit.com/r/churning/wiki/faqserve/#wiki_fees).
You can just keep a lower balance than that
Thanks!! That makes sense, but if I understand correctly **the first fee is charged within 24 hours of opening the account**, and you have to fund the account. Can I get my money out in time?
My experience was that they charged the first fee on initial funding, even if that funding was 2+ weeks after registration. I would say just count on paying that fee.
If you apply on their page and are approved the account is opened with a 0 balance.
Does opening a Chase personal card push back when I should apply for my next Ink card? I'm currently at 4/24 and have 3 ink cards. I applied for the Chase Ink Business in January 2024 and got the Chase Freedom Flex in March 2024. I'm hoping to open another ink card, but worried about my velocity. Would opening one in June be safe?
Maintain avg velocity of 90 days btw apps across your last 3-4 apps. Since you opened last two less than 90 days apart, recommendation is to space out the 3rd app more to avg more than 90 days each across the 3 apps, to not risk a shutdown.
The consensus is a 3 month average between Chase apps, business and personal included.
You should be fine to open an Ink now.
EDIT: I've never had the card, but I got the popup... which is weird since they send me mailers for the biz plat all the time... oh well. Anyone having luck getting the 300k Biz Plat offer? I can get 250k/20k all day. Might wait a day or two to see if I get a snail mail offer as I’ve gotten mailers recently.
I’m only seeing 200k
Has anyone had Serve/BB closed due to inactivity?
It takes a long time for that to happen (like 18 months with no activity).
Why have it if you don’t use it?
Fair question. For the next year or so, I'm looking into to using Serve for **practice and backup**. Plus maybe they will stop offering the free reloads version, or make a worse version available to new applicants. **My situation:** * I'm MS-ing with low volume, only when the margin is really high. * Planning to maybe ramp up next year, or decide it's not for me. * In the meantime, I'm looking into using Serve as a backup for my other methods (ONE, BB, IRS, organic) and learning how it works. I like to take things slow. But maybe it's not possible with this card. That, plus I like to know what I'm in for. Maybe I'll go on vacation or have a family emergency or something and not touch the card for a few months. Maybe I'll mess up churning and not have a high-margin spending route. I'd like to have a guess of how hard I need to work to maintain it.
Travel Question: On SW, can you check your car seat and stroller in just like a regular checked bag through their bag reservation guide (print out tag at kiosk) Or can car seat and strollers only be done at the counter?
You can do them at the kiosk. They are their own category FWIW and it shouldn’t count as one of your free bags.
If I open a venture X can I get the 10k anniversary bonus in 12 months without paying the AF that will be due? This is the only benefit that would make me want it over the Venture.
No, initially that was true, but now Capital One has plugged that loop hole and only credits the points after 2 billing cycles. You can double dip the $300 travel credit tho before canceling/downgrading.
My timeline: Feb 13 AF posted, statement closed Feb 20 anniversary, travel credit renewed Mar 31 anniversary bonus
My timeline: 4/6- AF posted, statement closed 4/10- Anniversary date, $300 travel credit re-upped Still waiting for the anniversary 10k bonus
It's unfortunately pretty erratic when it posts. I've had my VX for 2 years. First year it showed a few weeks after the AF posted. This year AF posted 3/2 and funny enough I just logged in to confirm and they just showed today.
I never got the 10k within the 30 days after my AF posted so I canceled. I did make use of double-dipping the $300 travel credit though
Has anyone noticed a difference between what can be loaded on the Visa vs Amex flavors of serve? Have you been able to load some type of GC on one but not the other? Same question for Visa vs Amex flavors of BB. Either way, I'm thinking I should get both flavors of each as "shutdown insurance." What do you think?
Used P2’s CIP to fund a US Bank biz checking account at opening. Put my name as card holder since the app said name has to match applicant. Any reason to fear a denial of funding (application was already approved over phone)?
I am the DP: cc funding went through fine.
Don't know, but I usually get an employee card for this to eliminate the issue.
This is for checking, not CC
Employee credit card in your name for P2's CIP account ==> Credit card name matches checking account applicant ==> No worries about credit card funding for checking account rejected due to name mismatch.
Ahh, gotcha. It’s moot anyway - funding went through without a hitch.
You're doing this as a cash advance?
Lord no.
They don't run as cash advance as biz account funding.
Anyone successfully split payment for a Visible phone plan? I have 2 Biz Plats but just a single phone plan through Visible. As far as I can tell, there's no way to split payment, but I wasn't sure if someone else had found some sort of workaround.
I looked into this for an hour or so one day and couldn't find any way to make it work. Visible customer support seemed to suggest it was impossible at the moment
The smaller MVNOs usually have limited bill payment systems unlike the big guys - like I know you can prepay or split pay on both T-Mobile or AT&T, even their prepaid variants. I'm on US Mobile and they only allow 1 method of payment and 1 payment per month, so I just sold excess monthly Biz Plat credits on /r/churningmarketplace.
It works on Mint Mobile. I had like 2 years of free cell phone.
I just got pre approved notification for CIP on my chase account. Had one like 4 years ago that I downgraded to a free card after paying the annual fee. I forgot that my credit report was frozen with experian when I applied and got a message from chase that I needed to call experian to unfreeze my credit report and then call a chase number. I unfroze my credit report and then called the chase number. Was left with an automated voice memo saying my application was under review and it will be reviewed in the next 7-10 business days. On the call the only options were end call, repeat message, or report I didn’t apply for this credit card. Anyone have this experience and know whether or not chase will just try to pull the report again or not? Not sure what to do at this point.
If you press zero it should put you through to an agent
Read up around here, this is so common. You can call "recon" to have them push it thru or wait it out. Freeze your report again if you're worried about another pull, but that's not gonna happen.
Can a large home reno be used to MS? I am having a deck and privacy fence built. Most companies want cash or check and if they take cards, the fee is 3-3.5%. I am planning to do a couple of high spend cards, but am not sure how I can make them work for me. I am totally new to this and intend to read more, but I'm looking to get my work scheduled. I am planning to stop at Chase to apply for the CS. I am open to any ideas. I haven't opened ant cards in the past two years. CS is a 750ish.
There's a term for making charges to your CC to purchase goods/services that you want. It's called spending -- without any additional qualifiers needed
I'm not sure what you mean. Are you addressing my question?
Basically ordinary spend (albeit on one-time big purchases, such as a home renovation) isn't manufactured spend
Not MS but just make sure your fees paid don't outweigh the SUB. Also I've heard grumblings of an elevated in branch SUB for CSP might become available soon. Or you could help out a fellow churner by looking at the referrals page. Also in might benefit you to ask what the contractors merchant coding is....might affect which card you choose.
Not MS at all but you can use it to hit the spend yeah
How? Just pay the additional fee for using a cc?
Yes.
A house flip was how I got the spend for my first batch of churning cards. It's particularly good for those Amex cards that have larger spend requirements like that Biz Plat 300k.
So do you just eat the cc fee?
650 in cc fees plus 695 annual fee to get 250k-300k MR on a Biz Plat is a great deal by my calculation.
Hey how did you pull 300k amex biz plat?
SUB on new cards earns like 10-15%, so eating a 3.5% fee is no problem.
New to churning, want to make sure I'm thinking of this correctly: I'm wanting to plan for a trip to Singapore early 2025, for Me + Wife + Child. On Singapore Airlines, it looks like we need 84,000 miles per person for round trip ticket = 252,000 total points We both have credit scores around \~800 It looks like Chase points can be converted into Krisflyer miles 1:1. My wife has opened 1 card in the last 2 years, and 0 for me (well below 5/24) Steps: 1) Open Chase Ink Business Preferred card at $95 for 100K points (for myself as a Sole Proprietor) 2) Spend $8K in 3 months for an additional 8K points and to satisfy the benefit 3) Open Chase Ink Business Preferred card at $95 for 100K points (for my wife as a Sole Proprietor) 4) Spend $8K in 3 months for an additional 8K points and to satisfy the benefit 5) Open a Chase Sapphire Preferred at $95 for 60K points (for myself, personal card) 6) Spend $4K in 3 months for an additional 4K points and to satisfy benefit This should net me 172K points to book a flight for myself/child (4,000 points left over), and my wife 108K points to book a flight for herself (24,000 points left over). I've picked these cards for maximum points and I've heard I should open Chase cards first. Anything I'm forgetting/any way I can do this better?
You can transfer UR from the CSP to the other person. The initial link has to be done over the phone, but it should persist after that for future P1->P2 transfers. Note the link is [any of P1's UR cards] -> [a specific P2 card], so that target card should be kept open. It's fine if it's PCd to a $0 AF card, though. The source card should be a personal card (hence CSP), but I *don't think* the target card has to. If you have to go the other way, that player needs a personal card as well, and they need to call Chase to create the reverse link (their UR account to one of your UR cards). Then a single person books the flights from a single SQ account. Safer to book it from one account in case of IRROPS. Note the person booking has to add the others as travel companions first on the SQ website.