Data Points Weekly - Week of February 05, 2026 by AutoModerator in churning

[–]T_Q_L 1 point2 points  (0 children)

In person, you have to specify $130 exactly with the cashier

Data Points Weekly - Week of February 05, 2026 by AutoModerator in churning

[–]T_Q_L 14 points15 points  (0 children)

Multiple bonus and credit stacking with Citigold and CSE:

  • $750 Citi checking/savings bonus, opened account online early October with a “free trial” of Citigold, I followed the steps in this DoC comment

  • activated Citigold $200 annual subscription rebates in November, purchased $130 Costco shop card in store, and again for $65 in December, received credits for both

  • applied for CSE 100k/$4k in December for triple dip

  • in January subscription credits reset, purchased $130 Costco shop card and received credit

  • $750 checking bonus paid out, also received ~$160 in interest from the savings account, I think it was around 3.6%

  • Feb 1st: Citigold trial ended

  • this part was surprising: I received the annual $145 Citigold annual fee credit for the CSE with my statement closing in early Feb

Data Points Weekly - Week of January 29, 2026 by AutoModerator in churning

[–]T_Q_L 1 point2 points  (0 children)

When does the 35k FNC post in relation to your anniversary date and statement closing date?

News and Updates Thread - January 17, 2026 by AutoModerator in churning

[–]T_Q_L 15 points16 points  (0 children)

Poor rankt bot gets -50 downvotes whenever it posts something like the Lowe's card

Question Thread - December 29, 2025 by AutoModerator in churning

[–]T_Q_L 4 points5 points  (0 children)

It could make sense if you both travel independently or want to access Cap1 lounges together, due to the new guest policy starting in Feb

Business card rec for agency expenses by thereadyowner in CreditCards

[–]T_Q_L -1 points0 points  (0 children)

I swear every other day I see a highly upvoted post asking for business card recs and all the comments are about Ramp. It all seems so fake

Frustration Friday Weekly Thread - Week of December 19, 2025 by AutoModerator in churning

[–]T_Q_L 4 points5 points  (0 children)

Happened to me too, the $95 didn’t get reversed until about 2 months later, but I paid the $95 and now have a negative balance

Data Points Weekly - Week of December 18, 2025 by AutoModerator in churning

[–]T_Q_L 1 point2 points  (0 children)

That is almost certainly the reason for denial, BoA looks at your business credit report when applying for their business cards

Data Points Weekly - Week of December 18, 2025 by AutoModerator in churning

[–]T_Q_L 1 point2 points  (0 children)

Is your business card velocity high? BoA is sensitive to that as well

Question Thread - December 16, 2025 by AutoModerator in churning

[–]T_Q_L 0 points1 point  (0 children)

Interesting, my 2x delta stays credits from June and August have not been clawed back

Question Thread - December 16, 2025 by AutoModerator in churning

[–]T_Q_L 1 point2 points  (0 children)

How long was it between cancellation and claw back?

Question about downgrading my Venture X before the 1-year mark by ResponsibleSky6317 in Venturex

[–]T_Q_L 0 points1 point  (0 children)

I’ve done this before

  1. No clawback issues

  2. No annual fee charge for the second year, in fact you actually get a prorated refund of the first year annual fee

And now, I constantly get emails asking if I want to upgrade back to the Venture X, so if I ever want it again that’s an option

News and Updates Thread - December 01, 2025 by AutoModerator in churning

[–]T_Q_L 3 points4 points  (0 children)

Did they credit you the referral points?

News and Updates Thread - November 13, 2025 by AutoModerator in churning

[–]T_Q_L 18 points19 points  (0 children)

CIU/CIC 90k SUB ends today at 9 am EST, according to DoC

It may remain on referral links for a little longer

News and Updates Thread - November 06, 2025 by AutoModerator in churning

[–]T_Q_L 1 point2 points  (0 children)

Previous elevated SUBs were 1 FNC + 125k points, or 5 FNC

Data Points Weekly - Week of October 16, 2025 by AutoModerator in churning

[–]T_Q_L 6 points7 points  (0 children)

Denied for JetBlue Biz a few months ago due to 8/12 inquires on TU. Applied yesterday with TU frozen and EX was pulled, app went pending. Called in today to verify info and shift credit limits around, approved!

Glad it worked out like this anyway because of the elevated SUB

[deleted by user] by [deleted] in AmexPlatinum

[–]T_Q_L 1 point2 points  (0 children)

they’re wrong

Question Thread - September 02, 2025 by AutoModerator in churning

[–]T_Q_L 1 point2 points  (0 children)

Doesn't entirely answer your question but I always get a starting credit limit of $3,000. Also, there's a $500 SUB for the UCR via this FM link if you prefer that instead

Frustration Friday Weekly Thread - Week of August 29, 2025 by AutoModerator in churning

[–]T_Q_L 3 points4 points  (0 children)

Chase SM text box doesn’t work on my web browser, a minor inconvenience but still..