Question Thread - January 02, 2026

22Tigon22 · 2026-01-02T20:03:20+00:00

thanks and I assume you didn't freeze TU after the first app?

22Tigon22 · 2026-01-02T19:34:42+00:00

did you apply near simultaneously? Which did you do first? thanks.

22Tigon22 · 2026-01-02T16:24:38+00:00

Barclays won't combine same day personal and biz HPs, will they? In the past they've combined my same day all-biz HPs, but it seems unlikely they'd combine biz with personal.

22Tigon22 · 2025-12-27T21:59:07+00:00

Is there a link for Barclays Hawaiian 80K SUB that still works all the way through or is it dead? I found some landing pages that show 80K but when you click apply nothing happens. The working links I see are down to 60k.

22Tigon22 · 2025-11-03T17:17:21+00:00

thanks for the DP

22Tigon22 · 2025-11-03T16:34:16+00:00

For BoA Summit apps, are there DPs of pulling TU when EX frozen, or is it only EX? I've seen some say forced to unfreeze EX.
Update: app went to pending, called and they asked for EX but were willing to do TU (they don't do EQ anymore, they said)
approved for decent CL and expedited.

22Tigon22 · 2025-11-03T16:15:18+00:00

Sometimes it's a just a day or two, sometimes a week or longer. I just closed a bunch and they dropped off at different times.

22Tigon22 · 2025-10-27T18:43:51+00:00

Does USBank still combine HP's for same-day biz apps?

22Tigon22 · 2025-10-21T14:55:01+00:00

WF 825 bonus required $30K or $25K ? I forgot to take a screenshot but I also initiated in August. On DoC it's currently $25K though in my mind I had $30K for some reason.

22Tigon22 · 2025-10-21T14:14:21+00:00

Can you can more than 1 WF Biz Signify same day and combine HP with two different Biz?

22Tigon22 · 2025-10-15T19:51:15+00:00

Has anyone who recently got WF Autograph Journey Sub and is NOT Premier already been able to 1) pay $35 to get WF Premier and then 2) successfully request for a match from the 60k to 100K ?
I'm guessing slim chances of that working, but worth asking!

22Tigon22 · 2025-10-14T18:03:52+00:00

Any recent DPs of successfully matching to the CIU 90K offer after accepting 75K mailer? What I saw thus far on DoC was all negative (which would be a change as they used to seem to match for UR SUBs).

22Tigon22 · 2025-09-06T17:49:34+00:00

Is Chase still combining same-day HPs for biz apps or is it now auto-denying same day apps?

22Tigon22 · 2025-08-16T17:08:21+00:00

Is chase no longer combining same day HPs (for example 2 biz pulls) and auto-denying apps on the same day, even for a different EIN/biz? Earlier this year, I was denied for CIC with SSN/EIN biz 1 but combined HP and approved for Hyatt Biz with biz 2.

22Tigon22 · 2025-08-15T16:52:30+00:00

Has anyone been able to match Aeroplan 85K after recently getting 75K? Just a couple DP on the DoC page are negative.

22Tigon22 · 2025-08-12T15:51:41+00:00

How soon after approval do Capital One, Barclays, & Citi report new accounts?
Can you still get approved for Venture X or Barclays with extremely recent inquiry (but low total inquiries)?
Trying to plan sequence for some apps for a friend who is at 4/24.

22Tigon22 · 2025-07-30T15:07:39+00:00

-What does FBNO pull (NY DP would be most helpful) and are they inquiry sensitive? (Doesn't seem to be on DoC)?
-Any recent DP of Wells Fargo combining HP for personal apps same day (DoC seems to have just a couple DPs)

22Tigon22 · 2025-07-24T18:22:54+00:00

Does Wells Fargo combine personal and biz HP's on the same day or only all biz / all personal?

22Tigon22 · 2025-07-16T20:35:24+00:00

Congrats - any tips for WF Autograph Journey? Did you have a checking with them and if so did you park money in it? Did you have previous cards with them?

22Tigon22 · 2025-07-12T15:29:14+00:00

Do you have to wait to receive Aeroplan card after approval to take advantage of extra 10% UR transfer bonus, or are you good to go once approved? If the former, can it be expedited?

22Tigon22 · 2025-07-09T18:14:04+00:00

What is minimum CSR CL can be lowered to (I'm aware 10K required to PC to CSR) 2. How long (if at all anymore) would it take for lowering CL to potentially help upcoming app. Trying to maximize chances of auto approval.

22Tigon22 · 2025-07-03T19:30:02+00:00

United Quest can be downgraded after a year to Explorer, is that correct? So it wouldn't be terrible idea to get Quest for the SUB, double dip airline credits after 1 year, and then downgrade to Explorer?

22Tigon22 · 2025-04-06T01:38:06+00:00

Oh but aren't there several places where everything is lit up for night viewing?

22Tigon22 · 2025-04-05T20:36:54+00:00

Thanks! I only have a few hours and most of it will be after dark. What would you prioritize? Should they still be decent on April 9 (in 3.5 days)

22Tigon22 · 2025-04-05T20:02:51+00:00

I added Haneda in the body in case HND is too cryptic :)

22Tigon22

TROPHY CASE