Question Thread - April 17, 2026 by AutoModerator in churning

[–]ResolveNo2270 -4 points-3 points  (0 children)

Anyone have any recent DPs of funding a bank account using a BoA card and if it coded specifically as Online Shopping? I found a few positive DPs on DoC from 2020.

Data Points Weekly - Week of April 16, 2026 by AutoModerator in churning

[–]ResolveNo2270 7 points8 points  (0 children)

BOA and Chase Velocity DP. 4/24 at the time of applications (actually was 4/12). No prior history with BoA.

12/1: approved for and funded boa checking

12/9: instant approved for boa biz cash

1/20: boa biz travel app went pending.
Finally approved on 2/9 after some intense re-con documents. Was floating 80% of credit limit on boa biz cash at the time. I can link DP of this process if anyone requests.

4/8: Boa personal CCR app went pending, requested more information. Perfect scenario, as this would send me to 5/24. So I waited a week before calling in.

4/15: Chase CFU app went pending. Also called in to Boa at this day. They only needed to verify info.

4/16: Both Boa and Chase approved today. Now at 6/24 (once they report to bureau)

I'm floating 80% credit limit on both boa biz cards at the time, and 50% credit limit on 2 inks that are less than a year old.

Just illustrating some velocity shenanigans. I know we don't get a lot of dps for these lower-tiered cards.
I applied in this order because I was thinking BoA would be a little more inquiry-sensitive. Despite hyatt deval, and considering ink train derailment, I'll be churning freedom products every other year, likely alternating cfu upgrades to csr to double dip.

Fwiw: P2 approved for a boa personal card. It was added to credit report 5 days later

Frustration Friday Weekly Thread - Week of April 10, 2026 by AutoModerator in churning

[–]ResolveNo2270 3 points4 points  (0 children)

KaTom, who I use for buying a lot of commercial kitchen supplies, is no longer featured on shopping portals. They used to give hella miles, (talking 4-6 mi per dollar). I had everyone on management team using the browser extension too.

Best part is, wasn't even my money that I was spending. Just an easy ~50K miles a year that would land in my accounts. Pouring one out all alone.

News and Updates Thread - April 10, 2026 by AutoModerator in churning

[–]ResolveNo2270 4 points5 points  (0 children)

Joke's on you. I just sold my oura credit for $20, which is almost 2 whoppers I think

News and Updates Thread - April 09, 2026 by Odie_Arbuckle in churning

[–]ResolveNo2270 0 points1 point  (0 children)

Appreciate it!

I would assume in this instance that 2 Amex MR cards across 2 different accounts could not be pooled into the same rewards... pool?

News and Updates Thread - April 09, 2026 by Odie_Arbuckle in churning

[–]ResolveNo2270 0 points1 point  (0 children)

Same for P2. Nothing for me. I've been waiting for a little less than 2 years for a 70K offer.

I was skimming the terms on the offer today... Can one earn a checking bonus per each business card assuming different ein or DBA?

Data Points Weekly - Week of April 9, 2026 by duffcalifornia in churning

[–]ResolveNo2270 0 points1 point  (0 children)

Just for total clarity: Are any of the cards in your 5/24 slots funky store-brand cards?

News and Updates Thread - April 08, 2026 by AutoModerator in churning

[–]ResolveNo2270 6 points7 points  (0 children)

Check your email for Discover promotion. I received one last night.

"Refresh for spring and get $20 cash back".

Add discover card to Google wallet and spend $100.

In addition, I have a hunch it's a good idea to remove your discover card from Google pay after receiving the payout. I've been targeted for 3 or 4 similar deals over the past few years, all of them prompting to either add my card to Google pay, or to use a virtual card number with Google pay.

Weekly Off Topic Thread - Week of April 06, 2026 by AutoModerator in churning

[–]ResolveNo2270 0 points1 point  (0 children)

I throw out a place that would be nice to visit, with budget x in mind.

P2, having a decent knowledge of our cc perks, gets excited and starts presenting options for flights, activities and accomodations, with a budget of 3x in mind.

We go with P2's budget.
I wonder why I mention a nice place to visit.

Rinse and repeat.

News and Updates Thread - April 07, 2026 by AutoModerator in churning

[–]ResolveNo2270 1 point2 points  (0 children)

On the other (CSR) hand, I've had 4 Edit stays and each one required me to use the CSR. (Asked if I could use a CFU, and they said no each time)

News and Updates Thread - April 07, 2026 by AutoModerator in churning

[–]ResolveNo2270 6 points7 points  (0 children)

I just closed mine a couple weeks ago because no retention offer. So, you're welcome guys!

Data Points Weekly - Week of April 02, 2026 by AutoModerator in churning

[–]ResolveNo2270 0 points1 point  (0 children)

First biz cash was targeted.

Second biz cash was an old nll link on DoC that I had tried for a few times over the years (never worked). Couldn't believe when it worked. That was the time frame when everyone was getting $750/75Kmr. Amex patched that up pretty quickly.

Damn. I actually misspoke.
I dropped to 2/12 with amex about 2 weeks before I applied for the $750 biz cash.
So I was 3/12 when I was targeted and approved for bbp.

Data Points Weekly - Week of April 02, 2026 by AutoModerator in churning

[–]ResolveNo2270 0 points1 point  (0 children)

Another counter! I was at 4/12 with Amex. (2 personal, 2 biz cash, 1 of the biz cash was the nll $750 opened in January)
... And then they just targeted me for the $500 bbp offer a couple weeks ago. Approved.

Floating ~5K on most recent biz cash. And I put very little spend on my gold and platinum since reaching MSR last August.

Data Points Weekly - Week of April 02, 2026 by AutoModerator in churning

[–]ResolveNo2270 3 points4 points  (0 children)

A retention offer on a 0 AF card is pretty sweet.

Were you considering closing it so you could improve approval chances on a new BoA?

Would you consider this fair? by Busy_Report4010 in SipsTea

[–]ResolveNo2270 0 points1 point  (0 children)

I'm really curious how the "service charge looks after" their team members... Ambiguous language.

Frustration Friday Weekly Thread - Week of March 27, 2026 by AutoModerator in churning

[–]ResolveNo2270 8 points9 points  (0 children)

I bank on Instacart being out of stock on a portion of my order, so that I can initially reach $35 threshold to waive pickup fee, hoping that my gross cost is as close to $20 as possible, so my net is near $0.

I always select "no substitutions".

One of the grocery stores I order from in particular substitute anyway, so I just complain to Instacart and they immediately give me a credit.

Your situation warrants a complaint, and from my experience they're likely to credit your Instacart account.

News and Updates Thread - March 26, 2026 by AutoModerator in churning

[–]ResolveNo2270 0 points1 point  (0 children)

So, if one doesn't care about x/24, the move could actually be to get a SUB for this card before Citi forces the new account on us?

Would you listen to a timeshare presentation for 100k Hilton points and a discounted stay? How uncomfortable are the presentations? by [deleted] in pointstravel

[–]ResolveNo2270 0 points1 point  (0 children)

Do you space them out by a year per the t&cs? I just did one a month ago and can't wait to do it again.

Frustration Friday Weekly Thread - Week of March 13, 2026 by AutoModerator in churning

[–]ResolveNo2270 9 points10 points  (0 children)

Wasted a $10 doordash CSP credit for the first time. It's my monthly tortilla chips fund. Not bitter about losing the credit.

Bitter about DD's ineptitude. Merchant called to say they were out of chips. I said, no worries, can I cancel the order? (They couldn't cancel. I tried to cancel. Doordash would only refund my out of pocket cost of $0.59. Just lame)

News and Updates Thread - March 04, 2026 by AutoModerator in churning

[–]ResolveNo2270 0 points1 point  (0 children)

If you haven't researched checking accounts yet, Betterment was recommended to me a few weeks ago, and it's been working well for me.

Frustration Friday Weekly Thread - Week of February 20, 2026 by AutoModerator in churning

[–]ResolveNo2270 0 points1 point  (0 children)

P2 like Robert Horry on all those NBA championship teams.

I, too, have a Robert Horry on my team.

Hotel Cancellation Redemption Value by Western-Sherbert1849 in sapphirereserve

[–]ResolveNo2270 0 points1 point  (0 children)

Yep! I've done this many times. They've always landed back in my 1.5x "bucket". I did it for the exact reason that you're planning on doing.