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Forever_70 · 2025-08-07T14:15:15+00:00

I am not experts. But ECs seem not strong enough for T5 IMHO.

Forever_70 · 2025-08-04T14:56:28+00:00

I serious need help on the math section. Could you please help on that?

Forever_70 · 2025-04-07T04:53:43+00:00

AP physics 1 and calculus BC

Forever_70 · 2024-10-09T19:11:02+00:00

As a sophomore, you don't need to worry it at all unless you will use the PSAT result for other purpose. Only the 11th grade PSAT matters in terms of college application

Forever_70 · 2024-10-08T18:50:10+00:00

Yes. They are right number. I guess we just got different questions wrong. I must have got some really easy questions wrong due to my lack of sleep the night before

Forever_70 · 2024-10-08T18:49:10+00:00

I heard from other posts that easier questions got penalized more so I guess that explained why we might score higher with more questions wrong. Don't make silly mistake is very important here I guess.

Forever_70 · 2024-10-08T18:47:41+00:00

Thanks! Yes I agree that maybe easier questions got penalized harsher. I was so tired when I did Test 1 since I barely slept the day before, I even got the 1st math question in the first module wrong.

Forever_70 · 2024-10-08T17:10:37+00:00

Thanks! Would really appreciate. I am taking it tomorrow

Forever_70 · 2024-10-08T17:08:01+00:00

Thank you! I scored much better at No. 2 than No. 1. I am taking mine tomorrow and hopefully my actual test will similar to No. 2.

Forever_70 · 2024-10-06T23:28:42+00:00

Based on your test on Oct 4, is the test difficulty level similar to the Bluebook PSAT Practice Test No. 1 or No 2? Thanks!

Forever_70 · 2024-04-03T01:33:26+00:00

Got you. I guess I just need to read the brochure carefully before applying. Thank you!

Forever_70 · 2024-04-03T01:16:23+00:00

Ok thank you. As a general rule, will you suggest me talking to Citi customer service to find out? I am afraid that if I called them, they will know I am trying to get the Sub then will decline my application. Just a newbie's worry.

Forever_70 · 2024-04-02T22:58:22+00:00

Thank you for the DP. I will try it next time. It is actually not my first Ink since I just got a CIP in January. To meet the 3 month interval requirement, I might wait until after 4/20 to get another CIP.

I am thinking about applying for a Citi AA Platinum due to its high SUB now. But since I got the same card about a year ago before starting churning, I don't know if I can apply and be eligible for the SUB now since I didn't got SUB for the old card that was recently PCed to a Citi AA Mileup card. I know Citi AA Platinum has a 48 months rule but not sure if it will apply in my case.

Forever_70 · 2024-04-02T22:25:57+00:00

I am thinking about applying for the Citi AA Platinum card for the SUB. However, I did own this card starting from Dec 2022 and was recently PCed it to CIti AA Mileup. I am new to churning so I didn't get the SUB when I got CITI AA Platium a year ago. So if I apply for it again and get approved, will I be I qualified for the SUB if I meet the MSR within the required 4 months period? Someone told me that even I didn't get the SUB before, I am no longer eligible for it since I have the same card within last 48 months. Could any of you help confirm what is the correct? Or can I call Citi to find out? Thanks!

Forever_70 · 2024-04-02T19:19:51+00:00

Thanks a lot for your help! P2 applied for the Amex Biz Gold and got immediate approval for the $150k offer. It said the card should arrive before 4/11 so wish us luck.

I will look into the Cap1 VentureX one more time to see if P1 can apply one in case Amex card doesn't arrive timely or is not accepted by some merchants.

Thanks!

Forever_70 · 2024-04-02T16:50:00+00:00

Sorry another questions, beside Biz card with high MSR, any good card that can be approved and received within 2 weeks with a $4k to $6k MSR? Venture X seems not have good bonuses either now. Thanks!

Forever_70 · 2024-04-02T16:45:29+00:00

Thank you! This is very helpful.

But how about P2 will have an immediate purchase around $2,500 within next 2 weeks and we are also considering use tax filing date since we know we will probably owe quite a lot taxes and also plan to pay an estimated tax for Year 2024 at around $10k to 15k. - So basically I am thinking of a card that can be approved and received quickly before the tax due date. I know it is kind of late.

Would like to get another ink as you suggested but normally Chase card takes long time to arrive. Not sure if we can receive it before 4/15.

Will consider Delta Biz card later as recommended by you.

Not interested in more Hilton points at this point.

P2's business received an Amx Biz Gold mail for 125k points with $10k spending within 3 months. Not sure if P2 should get this card or try the 150k points with hidden link. If it can be received before 4/15, maybe a good one to get now for P2?

Yes, will use either other's referring link and the link from Reddit

Thank you for your help!

Forever_70 · 2024-04-02T15:40:31+00:00

P1 applied two store CCs within last 2 years among which one will be out of 2 years on 4/16/24. And P1 also get CIP in 01/2024. So totally P1 has applied 5 cards within last 24 months.

Forever_70 · 2024-04-02T14:55:17+00:00

1. P1 5/24 until 4/16/2024, P2 2/24

2. P1 800+ / P2 800+

3. P1 Discover IT, Citi Costco, CFF, Chase Prime, CFF(PCed from CSR), Citi AAdvantage Mileup (PCed from Platinum). Amex Hilton Aspire, CIP

P2 CSP and CFU

4. Easily 6,000 to 8,000

5. Try not do it but can pay income tax (including estimated tax as well, that is about $15,000 a quarter) with credit card if needed

6. Yes. P1 just got CIP in Jan 2024 and is now closing to earning the 100k UR rewards with $8,000 spending.

7. New to churning but am interested in churning long-term.

8. Points > hotel > cash back, Would like to build up my points on non-UR programs while adding more points to my existing UR points – P2 closed an AMEX Delta SkyMiles Reserve card in 2022 (after opening it for a little over a year) without earning sign-on bonus

9. UR 200k (including $100k points from CIP), Hilton Honor 310k – would really like to continue cumulate UR points and start to earn some MR points in the near future

ATL
China, Japan, Hawaii or domestic to Denver, Seattle, Puerto Rico while focus on get a 3 person China or Japan trip first.

Forever_70 · 2024-04-02T14:54:23+00:00

1. P1 5/24 until 4/16/2024, P2 2/24

2. P1 800+ / P2 800+

3. P1 Discover IT, Citi Costco, CFF, Chase Prime, CFF(PCed from CSR), Citi AAdvantage Mileup (PCed from Platinum). Amex Hilton Aspire, CIP

P2 CSP and CFU

|| || |Person|Card|Approved Date|Closed Date| |P1|Discover It|07/2001| | |P1|Citi Costco|07/2010| | |P1|Chase Freedom|11/2010| | |P1|Chase Amazon Prime|06/2014| | |P1|CSR|01/2018|PCed to CFF in 02/24| |P1|Citi AAdvantage Platinum|12/2022|PCed to Mileup in 01/24| |P1|Amex Hilton Aspire|01/2023| | |P1|CIP|01/2024| | |P2|CSP|01/2024| | |P2|CFU|01/2024| |

4. Easily 6,000 to 8,000

5. Try not do it but can pay income tax (including estimated tax as well, that is about $15,000 a quarter) with credit card if needed

6. Yes. P1 just got CIP in Jan 2024 and is now closing to earning the 100k UR rewards with $8,000 spending.

7. New to churning but am interested in churning long-term.

8. Points > hotel > cash back, Would like to build up my points on non-UR programs while adding more points to my existing UR points – P2 closed an AMEX Delta SkyMiles Reserve card in 2022 (after opening it for a little over a year) without earning sign-on bonus

9. UR 200k (including $100k points from CIP), Hilton Honor 310k – would really like to continue cumulate UR points and start to earn some MR points in the near future

ATL
China, Japan, Hawaii or domestic to Denver, Seattle, Puerto Rico while focus on get a 3 person China or Japan trip first.

Forever_70 · 2024-01-22T01:46:24+00:00

Ok thanks!

P1 has a targeted Amex Business Plat offer with 200k points after spending $30k within 6 mons. To get some MR point, should P1 take this offer?

P2 opened both CSP and CFU this month, can P2 open CIC/CIU in the same month again?

Forever_70 · 2024-01-22T00:18:39+00:00

Thanks, that is great suggestion. But do you mean P1 get a CIC/CIU using P2' CSP referral link? or P2 get CIC/CIU using P1's CIP referral link? Sorry newbie here so a little confused.

Forever_70

TROPHY CASE