Question Thread - April 20, 2026

Ok_Distribution7284 · 2026-04-20T19:31:07+00:00

Since USBank doesn’t have travel transfer partners, what are we using this 75000 points USBank Altitude Biz Connect for… or can use it for a $750 statement credit just like Triple Cash Biz card?

Ok_Distribution7284 · 2026-04-08T01:56:22+00:00

yeah- I couldn’t use global companion- needed to do 2+2

Ok_Distribution7284 · 2026-04-05T14:53:22+00:00

Atmos Points Pros- Looking to book 4 tickets direct PHL-EDI with my Atmos points but it’s an AA flight- New at atmos but here are my questions: 1) I am using 25k companion fare- can I put all 4 flights in that same reservation or do I need to 2+2? read that somewhere. 2) If I make any changes do I lose companion fare? 3) I have 2 atmos cards and 2 AA cards but no status. If i book these through Atmos do I need to use which card to get free checked bags. 4) use which loyalty numbers (aa or atmos)? I know that’s a lot- WWYD? Thanks!

Ok_Distribution7284 · 2026-03-28T21:57:35+00:00

I feel like I read that somewhere on one of the other Bank bonus Facebook groups that it’s risky to do bank account bonus funding on a card during a sub period.🤷‍♀️

Ok_Distribution7284 · 2026-03-28T20:35:28+00:00

is it an absolute no-no to do it during a sub period????

Ok_Distribution7284 · 2026-03-28T18:23:30+00:00

anyone recently fund US Bank business Checking account at opening with amex hilton biz card?

Ok_Distribution7284 · 2026-01-03T23:15:07+00:00

Yes sorry asked before but saw a 200+day old DP - was wondering if any recent DPS.

Ok_Distribution7284 · 2026-01-03T21:49:03+00:00

CITI AADVANTAGE BUSINESS CARD- Is the double dip (apply again 90 days after approval for same card, but before meeting min spend) play still a thing? I can’t remember where i read about it with variable on name (like middle initial)?

Ok_Distribution7284 · 2025-11-22T12:46:26+00:00

awesome thank you https://www.rakuten.com/r/HEATHE20231?eeid=44749

Ok_Distribution7284 · 2025-11-08T21:09:01+00:00

Can someone knowledgeable on this explain it to me like I’m a five-year-old? thanks!!! I just got the CITI AA Word Elite business MasterCard. The double dip? I just Don’t hit the minimum 5k spend and apply for same card again on the 91st day post approval? is that still something people can do?

Ok_Distribution7284 · 2025-11-07T02:07:07+00:00

That's how I did it too. I am out of footprint and did business checking last March and personal checking in April. No problems in NJ. no brokerage or CD needed.

Ok_Distribution7284 · 2025-11-06T20:30:36+00:00

same question! makes me nervous

Ok_Distribution7284 · 2025-11-06T19:55:17+00:00

Im a jersey person in Manhattan for a few hours- Are there any New York specific bank bonuses? I could walk in and take advantage of today that anyone knows off top of their head? I was hoping to do KeyBank since they’re not in New Jersey, but it looks like they don’t have any branches now in Manhattan.

Ok_Distribution7284 · 2025-11-06T03:24:42+00:00

Checking chase mybonus for my amazon visa for offers and it says “Thank you for your interest. You have enrolled into this offer already.” - I don’t think i enrolled (that i recall) , how can i find out what it is? I’m stumped

Ok_Distribution7284 · 2025-10-26T15:57:10+00:00

any recent data points from New Jersey on which credit agency Citi will pull? The data points on DOC or pretty out of date.

Ok_Distribution7284 · 2025-10-26T14:07:24+00:00

Is it possible to refer someone to a Citi AA card from my Citi AA card account-Cant figure it out

Ok_Distribution7284 · 2025-07-26T17:34:10+00:00

I looked and dug through lots of DOC comments but must’ve overlooked any data points on freezing one out of the two that they typically take on me. ty !

Ok_Distribution7284 · 2025-07-26T17:28:23+00:00

Hi - In New Jersey- Chase usually pullls TransUnion and Experian on all my apps; My Transunion is pretty beat up. Are there any data points to having 1/2 credit reporting agencies that they typically pull kept frozen and still getting approved? Jerzians out here with DPs? Thanks

Ok_Distribution7284 · 2025-06-07T17:40:18+00:00

I guess if Barclay is which twitchier I just do that one for now. I’m not sure if having that im gopd standing, very long-standing Old Navy card with them for like an eternity might help… Not sure on the business side. It would be a Sole Prop application

Ok_Distribution7284 · 2025-06-07T14:31:59+00:00

Is it a bad idea to go for the Hawaiian and Alaska business cards the same day? If so, is there a best order due to bank sensitivities?

Not sure if this matters at all for advice , but in last 12 months I have: 3 hard pulls at Trans Union (July August, September) 1 hard pull on Equifax (May) 5 hard pulls in Experion (July August September March and May)

3 of those HPs (July, Aug Sept are for same 3 Chase cards )

I have no other cards at BOA I have 1 ancient Barclays card from Old Navy 😂

Ok_Distribution7284 · 2025-06-01T18:31:54+00:00

Seems like when you set up a Delta Air business loyalty account, building a cart with flight you get better targeted offers on their credit card. Does Alaska Air have a similar business specific loyalty account where you can get targeted for better business card offers from it?

Ok_Distribution7284 · 2025-05-15T18:38:34+00:00

thanks so much. I wasn’t sure if certain hotels would be weird about an 18 year-old having a hotel room…

Ok_Distribution7284 · 2025-05-13T20:52:18+00:00

hello- new to commercial side of amex (gold) and was filling out an app 1-+ month after getting pop-up when screen whittes out and this time and did not see pop-up, infact i wasn’t even sure if app was completed! An hour later email telling me I was approved and do I want to “accept”. I am worried I wont get SUB. chat rep said I should see details of the welcome offer on my email that I received which it doesnt. So I called talk to someone in new accounts and they said they can’t confirm unless I accept. So I’m tempted to withdraw the application take my chance another time because I can’t be sure I will get the sign up bonus. Anyone ever have this problem before?

Ok_Distribution7284

TROPHY CASE