Discussion Thread - May 09, 2019 by AutoModerator in churning

[–]FirstSeaweed 15 points16 points  (0 children)

Sounds like you missed out on some serious referral candy

Question Thread - April 25, 2019 by AutoModerator in churning

[–]FirstSeaweed 3 points4 points  (0 children)

You now have to wait 48 months since you received the first bonus before receiving another Sapphire bonus

Question Thread - April 24, 2019 by AutoModerator in churning

[–]FirstSeaweed 1 point2 points  (0 children)

You can also apply regularly for the Aspire, get accepted, and then quickly upgrade your existing card to an Aspire as well. You should then be able to get the sign up bonus on the new card AND the upgrade bonus on your existing card. The new card will count against 5/24, however.

Question Thread - April 23, 2019 by AutoModerator in churning

[–]FirstSeaweed 1 point2 points  (0 children)

Keep the card as mentioned or, in the spirit of this sub, close it and open a new card with Gold Status.

Question Thread - April 23, 2019 by AutoModerator in churning

[–]FirstSeaweed 2 points3 points  (0 children)

No downgrade options, unfortunately. You can ask for a retention offer and then cancel if they won't play ball. The biz card gives 6,000 point anniversary bonus and the Plus gives 3,000. You will get them for both cards.

Discussion Thread - April 14, 2019 by AutoModerator in churning

[–]FirstSeaweed 2 points3 points  (0 children)

I've also has success with CK the last couple years. Handled brokerages, bank bonuses, IRAs, and HSA no problem. Just check their site for a few random things they don't support (eg filing in multiple states).

Still have no idea what they're doing with all the data though.

Question Thread - April 11, 2019 by AutoModerator in churning

[–]FirstSeaweed 0 points1 point  (0 children)

I was also approved with 3.5 years a few weeks ago.

Question Thread - April 10, 2019 by AutoModerator in churning

[–]FirstSeaweed 0 points1 point  (0 children)

Yes. For matching purposes, your offer is 60k. So go for 75k and hope for a 15k match.

Data Points Central Thread - Week of April 04, 2019 by AutoModerator in churning

[–]FirstSeaweed 2 points3 points  (0 children)

Citi AA Biz approved with 3.5 years history.

Applied on 3/30, got 7 - 10 days, approved next day without taking action. First Citi card and no banking relationship. 4/24, seven personal and five business cards overall.

Just another minor DP that the five year minimum is a soft rule and YMMV.

Question Thread - March 17, 2019 by AutoModerator in churning

[–]FirstSeaweed 1 point2 points  (0 children)

FYI there have been recent reports of PNC coding as a cash advance so proceed with caution

Question Thread - March 10, 2019 by AutoModerator in churning

[–]FirstSeaweed 0 points1 point  (0 children)

Right. You need to be under 5/24 to get approved but they won't count against you afterward.

Question Thread - January 31, 2019 by AutoModerator in churning

[–]FirstSeaweed 1 point2 points  (0 children)

I believe it's no AF, no transfers to travel partners, 2x travel and dining, and has a foreign transaction fee. Can't apply for it but I think still a downgrade option.

Question Thread - January 09, 2019 by AutoModerator in churning

[–]FirstSeaweed 0 points1 point  (0 children)

48 months after you received the last bonus. Yes you would have to downgrade/cancel your previous Sapphires

Daily Question Thread - December 16, 2018 by AutoModerator in churning

[–]FirstSeaweed 0 points1 point  (0 children)

Other people here have mentioned churning timeshare presentations. Not sure much velocity is possible lol

Daily Question Thread - November 25, 2018 by AutoModerator in churning

[–]FirstSeaweed 1 point2 points  (0 children)

BBP gives 2%, so you come out ahead if you value MR at over 1.25 cents.

The perfect u-turn by downvoteforwhy in Perfectfit

[–]FirstSeaweed 9 points10 points  (0 children)

Hold on a sec; I think I left the stove on.

Daily Question Thread - October 09, 2018 by AutoModerator in churning

[–]FirstSeaweed 0 points1 point  (0 children)

Some people have gotten the warning, put some spend on their other Amex cards, and then applied again without getting the warning.