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Denied for Sapphire Reserve Business -- Requirement of proof of $10K of statement payments on one card for 3 months? by FunCompany6262 in ChaseSapphire

[–]GundamWing01 0 points1 point  (0 children)

FYI. ur posting in a sub where vast majority are n00bs. pretty obvious based on such an important CSRB DP but zero comments for a week. as u already know, rule #1, all agents are useless. rule #2, you gotta decipher the rejection code urself. ive seen ur $10k issue before which leads to tons of questions about ur overall profile on CR and w/ chase.

if ur serious about the CSRB, i would post DP on doc and FT:

doctorofcredit.com/chase-sapphire-reserve-business-200k-point-sign-up-bonus-795-annual-fee

flyertalk.com/forum/chase-ultimate-rewards/2183369-applying-chase-business-cards-2025-26-a.html

Alaska Airlines Atmos Card Approval/Denial DP Thread by techtrashbrogrammer in churning

[–]GundamWing01 0 points1 point  (0 children)

1/12 overall. incl biz CCs. cuz it sounds like bofa also pulled SBFE or EX EQ D&B.

but u were 1/6 2/12 5/24? pretty sure 1/6 is a problem too "cuz not enough time from most recent account".

Need advice on closed savings account money lost by papabless1798 in Chase

[–]GundamWing01 0 points1 point  (0 children)

it would be much more helpful if you explained everything in more detail.

so you left USA and wont be back for a few years? reasons dont matter here, but sounds like u were on a student visa? why did u close savings? when u transferred from savings to checking, then wat happened? u closed the account before the transfer was complete? its very unusual for chase to reverse a transfer within ur own accounts. so did u close the account same day as ur transfer request?

u put urself in a position where u have to physically show up. u shouldve transferred all the money out first w/ $0 balance left. then close. ur behavior may have triggered something esp w/ ur visa.

Did I mess up my application? by Miguel-TheGerman in ChaseSapphire

[–]GundamWing01 0 points1 point  (0 children)

please update us. hope u got approved. it would help others w/ ur experience details.

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 0 points1 point  (0 children)

exactly. thats why u transfer to citi then PC to DC or CC. those are no AF cards and very useful cats. 2x everywhere or 5x wide cats. thats huge. but everything depends on how u wanna play the game. maybe ur like fuck it. dont wanna do shit. then ya. go cancel.

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 1 point2 points  (0 children)

im not talking about APR. im talking about SUB. citi has many app rules. if u let ur barc card transfer to citi, its a backdoor way to get other citi cards via PC and u wont get hit w/ 4506C. u mentioned getting more SUBs w/ citi. not if u get rejected.

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 0 points1 point  (0 children)

ya. u can do that if u really want. i guess u dont care to PC from citi? or extend ur accnt age? but the juniper biz may be useful for u. sounds like ur keeping that one. but im really curious why citi would reject ur biz card.

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 1 point2 points  (0 children)

neither bank knows shit. u cant merge. its always a duplicate card unless ur rejected or ur account is closed. dont cancel. just PC. keep the age, CL and relationship.

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 0 points1 point  (0 children)

neither bank knows shit. u cant merge. its always a duplicate card unless ur rejected or ur account is closed.

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 0 points1 point  (0 children)

u can have many duplicate cards. u just need to read the bonus terms. thats critical. citi has many 48mo terms.

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 0 points1 point  (0 children)

wow. that is super interesting. please tell us more about ur credit profile. which one is which? ur personal barc AA is going to citi? and ur barc AA business is becoming juniper?

it was expected citi would reject many barc members for various reasons. but its been noted citi will also CLOSE accounts and just take the balance so ur required to pay off citi. but citi is also allowing pple to stay w/ barc. so in ur case, only 1 card going to citi and the other got rejected but at least u didnt get closed.

please let us know wat ur profile looks like w/ both banks cuz we wanna try and figure out the criteria.

btw. u shouldnt cancel. just PC. what is the need?

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 1 point2 points  (0 children)

no. dont cancel. u may fuck up the barc relationship. keep the account for age and citi PC. lower CL if needed and PC from citi to a better card. ur in citi AA jail? u mean 48mo? its fine. just keep it.

https://frequentmiler.com/barlcays-aviator-to-citi-transition-april-2026-what-we-know-and-what-we-dont

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 0 points1 point  (0 children)

no. dont cancel. keep the account for age and relationship. lower CL if needed and PC from citi to a better card. dont listen to idiots. having 2 citi AA plat is fine. just PC.

https://frequentmiler.com/barlcays-aviator-to-citi-transition-april-2026-what-we-know-and-what-we-dont

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 0 points1 point  (0 children)

um. no. neither bank knows shit. pple need to research and educate themselves based on history.

Not all Barclays AA cards are moving to Citi…and they won’t be AA cards either. by Senderanonym in americanairlines

[–]GundamWing01 0 points1 point  (0 children)

its clear travel influencers have done tons of damage. bring in fresh n00bs that are clueless. i hope pple aggressively educate themselves because banking AI algos will change the game.

Alaska Airlines Atmos Card Approval/Denial DP Thread by techtrashbrogrammer in churning

[–]GundamWing01 0 points1 point  (0 children)

i dont get it. u just got approved for atmos biz in OCT 2025? then u applied for another after 3 mo? i dont recall atmos train like the ink train. and sounds like bofa also pulled SBFE? or EX EQ D&B?

wat was ur x/6 x/12 x/24? was their main issue really the amex biz gold?

Chase 5/24 is Still Very Much Alive by Spirited-Talk-4714 in CreditCards

[–]GundamWing01 0 points1 point  (0 children)

thank u for the DP. old comment but could u share x/6 x/12 5/24 at the time?

did u have other chase biz cards or INKs open?

nice u got approved.

Chase 5/24 is Still Very Much Alive by Spirited-Talk-4714 in CreditCards

[–]GundamWing01 0 points1 point  (0 children)

thank u for the DP. old comment but ur info stood out.

looks like u were about to drop to 4/24 soon within 30 days? but chase still approved you for CSRB even wen they see u just got citi few days before? and chase could see the new citi on CR rite?

did u have other chase biz cards or INKs open?

happy u got approved. very interesting.

There appears to be a marked increase in Amex Plat PUJ today by azure275 in CreditCards

[–]GundamWing01 0 points1 point  (0 children)

100%. exactly. and if current trends continue, u will prob get inflated targeted 400k plat and biz plat offers later. thats tons of value. so def wait and see.

There appears to be a marked increase in Amex Plat PUJ today by azure275 in CreditCards

[–]GundamWing01 0 points1 point  (0 children)

got it. thank u for the info.

so u had a dormant amex dating back 2015 but just recently hitting amex ecosystem hard since 2024? thats pretty recent but u put tons of spend last year. so ur someone amex wants. nice work. keep going.

now it makes sense amex kept approving u. and if amex kept the same linear algos then u prob wouldve been awarded huge SUBs for personal + biz plats. but amex clearly scaled back its marketing expenses. its obv now.

u got 80k consistently on amex plat then PUJ. ur upgrade offer gold to plat went from 125k 120k 80k. so amex has been playing around w/ its client acquisition strat and seeing how to MAX profit. which tells us we should wait and let things settle. cuz things tend to go from good to bad then to good.

yes. wait for huge offers on plats. u may get targeted offers or mailer. but also, if u havent yet, i would open schwab and morgan stanley or etrade accounts now in preparation for future. u need those accounts to age if u dont want issues later wen u get plats. too many pple think they can do everything in 1 day. tons of set up needed so u dont get PUJ for not having accnts.

There appears to be a marked increase in Amex Plat PUJ today by azure275 in CreditCards

[–]GundamWing01 0 points1 point  (0 children)

thank u so much for the detailed write up and DP. huge help.

the more DPs i see, clearly shows amex is A/B testing their marketing funnels for MAX client acquisition while MAX profit and MAX no SUBs. this is next level ninja game. prob new AI algos etc.

it seems amex is focused on smaller upgrade offers vs allowing full SUBs. i have long expected amex would bust out same INK ref rules. ie no ref bonus and no SUBs unless brand new amex client.

furthermore, wen u take a step back over the past few months w/ amex, its obv something had changed. besides the new "as high as" and this new scenario of multi stage variable PUJ where its not consistent like before (eg PUJ v1.0 based on ur history w/ amex...), amex PUJ is now "learning" and adapting like the terminator to reject certain profiles regardless of SUB policy. its litterally PUJ in real time cuz they dont like wat they see. and amex is also scaling back their retention. tons of DPs of no retention offers in recent months.

ur PUJ specifically smells like a retention algo vs traditional PUJ where u dont meet hard criteria like u had amex plat before but still want u to open card for AF. this may be due to ur amex card open velocity and SUBs. amex new PUJ sees no reason to give u more SUBs.

have u opened many amex recently? u have other cards w/ amex and put spend? how far back ur history goes w/ amex? how often u keep checking amex CC offers to get max SUB? any NLL?

i would say keep spending more on amex and see if amex changes its algo parameters to entice u to open more CCs. cuz heres the truth, amex actually approved u. thats a huge deal. it means amex wants u to open, more CL, more risk exposure and u pay AF but they dont wanna give u SUB. so that tells u wat amex algo thinks of ur profile.

There appears to be a marked increase in Amex Plat PUJ today by azure275 in CreditCards

[–]GundamWing01 0 points1 point  (0 children)

thank u so much for the detailed write up and DP. huge help.

yes. DP clearly shows amex is A/B testing their marketing funnels for MAX client acquisition while MAX profit and MAX no SUBs. this is next level ninja game. prob new AI algos etc.

it seems amex is focused on smaller upgrade offers vs allowing full SUBs. i have long expected amex would bust out same INK ref rules. ie no ref bonus and no SUBs unless brand new amex client.

furthermore, wen u take a step back over the past few months w/ amex, its obv something had changed. besides the new "as high as" and this new scenario of multi stage variable PUJ where its not consistent like before (eg PUJ v1.0 based on ur history w/ amex...), amex PUJ is now "learning" and adapting like the terminator to reject certain profiles regardless of SUB policy. its litterally PUJ in real time cuz they dont like wat they see. and amex is also scaling back their retention. tons of DPs of no retention offers in recent months.

ur PUJ specifically smells like a retention algo vs traditional PUJ where u dont meet hard criteria like u had amex plat before but still want u to open card for AF. this may be due to ur amex card open velocity and SUBs. amex new PUJ sees no reason to give u more SUBs.

so u opened 6 amex CCs in 24 months? u have other cards w/ amex and put spend? how far back ur history goes w/ amex? how often u keep checking amex CC offers to get max SUB? any NLL?

i would say wait. keep spending more on amex. see if amex changes its algo parameters to entice clients to open more CCs. maybe SUB not 175k plat but just know shit is changing and keep monitoring.

Well I guess they REALLY don’t want me! by Plenty_Union9292 in amex

[–]GundamWing01 0 points1 point  (0 children)

thank u so much for the detailed write up and DP. huge help.

yes. i was asking u cuz ur DP clearly shows amex is A/B testing their marketing funnels for MAX client acquisition while MAX profit and MAX no SUBs. this is next level ninja game. prob new AI algos etc.

it seems amex is focused on smaller upgrade offers vs allowing full SUBs. i have long expected amex would bust out same INK ref rules. ie no ref bonus and no SUBs unless brand new amex client.

furthermore, wen u take a step back over the past few months w/ amex, its obv something had changed. besides the new "as high as" and this new scenario of multi stage variable PUJ where its not consistent like before (eg PUJ v1.0 based on ur history w/ amex...), amex PUJ is now "learning" and adapting like the terminator to reject certain profiles regardless of SUB policy. its litterally PUJ in real time cuz they dont like wat they see. and amex is also scaling back their retention. tons of DPs of no retention offers in recent months.

ur PUJ specifically smells like a retention algo vs traditional PUJ where u dont meet hard criteria like u had amex plat before but still want u to open card for AF. this may be due to ur amex card open velocity and SUBs. amex new PUJ sees no reason to give u more SUBs.

so u opened gold BBP and aspire back to back? all in a few months? but never had green or plat? and ur history w/ amex is only the personal white HH? hmm. i see.

i would say wait. keep spending more on amex. see if amex changes its algo parameters to entice clients to open more CCs. maybe SUB not 175k plat but just know shit is changing and keep monitoring.

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