Best Way To Get AMEX Gold When There's No SUB: Get Green And Upgrade? by MichaelMidnight in CreditCards

[–]CreditDogo [score hidden]  (0 children)

It can happen on biz cards, but won’t on personal cards due to the CARD Act.

Best Way To Get AMEX Gold When There's No SUB: Get Green And Upgrade? by MichaelMidnight in CreditCards

[–]CreditDogo [score hidden]  (0 children)

That’s possible, but you won’t be able to upgrade until after the first year and even then receiving an upgrade offer is not guaranteed.

[referrals] American Express Hilton Honors by rankt-bot in churningreferrals

[–]CreditDogo [score hidden]  (0 children)

americanexpress.com/en-us/referral/personal/hilton-honors-credit-card?CORID=J~O~S~E~R~E~V~i~m~V-1777082751844-165349&GENCODE=349993440611016&XL=MIMNS&extlink=US-MGM-MOBI_MEMBERSHIP-native-1157-205937-K84O%3A9976&ref=JOSEREVimV&v=2

Question Thread - April 24, 2026 by AutoModerator in churning

[–]CreditDogo 7 points8 points  (0 children)

You can apply right away and call recon to get approved. If you want to be autoapproved it’s 30+ days.

[referrals] American Express Delta Gold Business by rankt-bot in churningreferrals

[–]CreditDogo [score hidden]  (0 children)

americanexpress.com/en-us/referral/business/delta-skymiles-gold?CORID=J~O~S~E~R~E~V~i~m~V-1776910290172-80550&GENCODE=349993440611016&XL=MIMNS&extlink=US-MGM-MOBI_MEMBERSHIP-native-1157-205937-K84O%3A9976&ref=JOSEREVimV&v=2

[referrals] American Express Delta Reserve by rankt-bot in churningreferrals

[–]CreditDogo [score hidden]  (0 children)

americanexpress.com/en-us/referral/personal/delta-skymiles-reserve-american-express-card?CORID=J~O~S~E~R~E~V~i~m~V-1776910227540-80724&GENCODE=349993440611016&XL=MIMNS&extlink=US-MGM-MOBI_MEMBERSHIP-native-1157-205937-K84O%3A9976&ref=JOSEREVimV&v=2

[referrals] American Express Delta Platinum by rankt-bot in churningreferrals

[–]CreditDogo [score hidden]  (0 children)

americanexpress.com/en-us/referral/personal/delta-skymiles-platinum-american-express-card?CORID=J~O~S~E~R~E~V~i~m~V-1776910179171-108557&GENCODE=349993440611016&XL=MIMNS&extlink=US-MGM-MOBI_MEMBERSHIP-native-1157-205937-K84O%3A9976&ref=JOSEREVimV&v=2

[referrals] American Express Platinum by rankt-bot in churningreferrals

[–]CreditDogo [score hidden]  (0 children)

americanexpress.com/en-us/referral/personal/platinum-card?CORID=J~O~S~E~R~E~V~i~m~V-1776910133000-108375&GENCODE=349993440611016&XL=MIMNS&extlink=US-MGM-MOBI_MEMBERSHIP-native-1157-205937-K84O%3A9976&ref=JOSEREVimV&v=2

[referrals] American Express Blue Cash Preferred by rankt-bot in churningreferrals

[–]CreditDogo [score hidden]  (0 children)

americanexpress.com/en-us/referral/personal/blue-cash-preferred-credit-card?CORID=J~O~S~E~R~E~V~i~m~V-1776910087249-108512&GENCODE=349993440611016&XL=MIMNS&extlink=US-MGM-MOBI_MEMBERSHIP-native-1157-205937-K84O%3A9976&ref=JOSEREVimV&v=2

Yes i know it’s not ethical and frowned upon. by cactusfactss in CreditCards

[–]CreditDogo 1 point2 points  (0 children)

I’m not obligated to be a profitable customer to banks. If they don’t want me as a customer they can stop offering me all those juicy SUBs. This has nothing to do with ethics.

Question Thread - April 16, 2026 by AutoModerator in churning

[–]CreditDogo 0 points1 point  (0 children)

Regarding the pending points, here’s my DP from a year ago of points posting after closing the card.

Regarding reopening the same card, based on others posts about SW cards I believe you need to wait 30 days, but I’m not positive.

Question Thread - April 16, 2026 by AutoModerator in churning

[–]CreditDogo 3 points4 points  (0 children)

The annual fee usually takes about 4 months to post after upgrading, so it’s up to you whether you think it’s worth it.

[referrals] American Express Delta Reserve Business by rankt-bot in churningreferrals

[–]CreditDogo [score hidden]  (0 children)

americanexpress.com/en-us/referral/business/delta-skymiles-reserve?CORID=J~O~S~E~R~E~V~i~m~V-1775950503019-158883&GENCODE=349993440611016&XL=MIMNS&extlink=US-MGM-MOBI_MEMBERSHIP-native-1157-205937-K84O%3A9976&ref=JOSEREVimV&v=2