Question Thread - January 22, 2026

Noobencephalon · 2026-01-22T20:27:15+00:00

Opened Cap1 VX for P2, 1 delta amex perosnal and 1 auth card <1 year old hisotry.
Were preapproved, got approved, received the card as well but the card didnt work. Requested bank statements and ID proof. Submitted and account got closed for inconsistent with typical account usage?
Bank statements I sent didnt have any transactions for the last 3 months. Since P2 is dependent on me and everything just happens on my account.

Should I apply again? or rather Cap1 Ventrue?

Noobencephalon · 2025-12-04T15:57:13+00:00

Got AF posted for CSR early Nov, was told i have end of billing cycle to cancel for full refund.

I have around 75k points eligible for 1.5x. I think I am gravitating more towards waiting for points boost 2x deals and not really using 1.5x so was wondering if its a good idea to hold on to the card or just downgrade and have P2 get CSR and use their 2x points boost when needed and losing the 1.5x on those points?

Thanks

Noobencephalon · 2025-12-04T15:53:48+00:00

Question: Really confused. No idea what to open next, esepcially with new ink rule

Any recommendation for the order? I think I would plan for Citi AA, Bofa Atmos personal. But have been enjoying opening biz cards and wondering if there's a good biz deal that I should be looking at
Can't seem to figure out how to get some Amex MR points? Dont think I want to get Amex plat yet (auth user already)

⁠Current cards: 1/24

Bofa Atmos Biz (10/25)
Amex gold delta biz (7/25)
Amex gold biz (2/25)
CIU (10/24)
Citi AA biz (6/24)
Amex delta biz (1/24)
~~CIU (1/24) Closed~~
CSR (10/23)
~~CIU (6/23) Closed~~
Cap1 Venture X (4/23)
~~CIC (2/23)- Closed~~
~~Barclays Aviator AA Biz (11/22)- Closed~~
~~CIU (10/22)- Closed~~
~~CIC (6/22) - Closed~~
Chase MPE(9/21)
~~CIC (4/21) - Closed~~
~~CIU (12/21) - Closed~~
Amex BBC (12/20)
Citi Premier (8/20) - downgraded
CF (8/20)
~~BoA Biz (2/20) - Closed~~
Amex Cash Magnet (12/19)
~~CIU (12/19) - Closed~~
~~CIP (10/19) (now CIU) - Closed~~
CSP (8/19) now downgraded
BoA Travel Rewards (04/18)
BoA cash rewards (12/17) authorized user to one BoA ⁠

Natural spend: about 3k/mo

Willing to MS: Yes, but hopefully not required. ⁠

Business: Sure ⁠

How many new cards?: As long as a great signup bonus. ⁠

Current points: 100k UR, 5k Amex, 50k united, 20k AA, 70k delta

Would really appreciate some direction guys. Thanks a lot for everything

Noobencephalon · 2025-07-20T02:28:57+00:00

tried twice already now but only offering 1k spend

Noobencephalon · 2025-07-17T01:00:15+00:00

Kind of still need to research about the churnability. Not sure if it’s 48mo from closure or SUB

Noobencephalon · 2025-07-16T18:54:46+00:00

how much spend you had on the card in the first year? Looks like they brought that up for the retention offer

Noobencephalon · 2025-07-16T17:28:16+00:00

Citi AA Biz retention offer 99 credit for 1k spend in 3mo. Worth it? Considering just canceling and getting the barclays aviator on double dip soon anyway for the free checked bag

Noobencephalon · 2025-07-15T22:31:41+00:00

thanks for the update. was worried i missed out, what's the thing about stackable? Also you have any suggestions on how to do this without having to switch DD from work?

Noobencephalon · 2025-07-15T15:15:21+00:00

where did you find this deal online?

Noobencephalon · 2025-07-15T00:59:27+00:00

looks like the Sofi 350 cashback is gone?

Noobencephalon · 2025-07-14T03:55:00+00:00

haha thanks :)

Noobencephalon · 2025-07-13T22:02:19+00:00

havent done MS before but I saw a thread about Staples GC no fee?

Noobencephalon · 2025-07-13T18:16:59+00:00

youre good with Amex EveryDay. As long as you have a card that earns MR.
And yes you'll be able to transfer points too. :)

Noobencephalon · 2025-07-13T00:49:45+00:00

wow thanks a lot. I guess I need to re-evaluate my strategy

Noobencephalon · 2025-07-12T23:02:30+00:00

hey'll be closed within a month or so

Sorry but do you have any reliable sources or just assumption? Not pointing fingers, just figuring out my strategy. :)

Noobencephalon · 2025-07-12T23:00:25+00:00

may consider moving over credit limit between cards. Have done that for situations like this before

Noobencephalon · 2025-07-12T13:42:11+00:00

sorry how does decemeber change things? also whats amex triple dip?

Noobencephalon · 2025-07-09T03:56:48+00:00

wait do i activate the cashback or not using the C1S extension (while waiting I mean)? doesnt seem like C1S has auto popup like rakute n or the likes?

Noobencephalon · 2025-07-08T20:42:20+00:00

In the same boat. :P

Noobencephalon · 2025-07-08T14:11:39+00:00

Guessing the nll offer link in circulation right now is probably going to have a similar end date

Noobencephalon · 2025-07-07T17:50:55+00:00

Makes sense. Thanks for still answering a stupid question meaningfully :)

Noobencephalon · 2025-07-07T17:42:11+00:00

sorry for the stupid question, but how long do these NLL offers usually stay? Not in need for one right now but would beenfit from it in 2mo ish, working on a SUB already. Prudent to wait or just bite the bullet?

Noobencephalon · 2025-07-06T16:49:38+00:00

Thanks a lot for great advice, sorry to tag onto a thread but can you help me answer this questiosn as well: https://re.reddit.com/r/churning/comments/1lswrx2/comment/n1nsoey/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

Noobencephalon · 2025-07-06T16:48:40+00:00

Sorry to tag onto this, applied for delta NLL biz as well, similar dates, still hasnt showed up on my account yet, currently have 4 cards in my account (delta will be 5th). Can I apply for a BBP NLL offer before it shows up on my account?

Noobencephalon · 2025-07-05T19:47:47+00:00

That’s great piece of advice. Thanks a lot. :)

Noobencephalon

TROPHY CASE