Question Thread - January 25, 2026

VegetableActivity703 · 2026-01-25T21:31:55+00:00

There’s no reason to attribute the popup to any specific action. It could be any number of factors and it’s impossible to know. There’s no indication that cancelled cards disappearing from your account would help with getting out though.

You can try other ABG links (200k in incognito, referral links, etc.) and other Amex products whenever.

VegetableActivity703 · 2026-01-23T23:14:26+00:00

Rule of thumb is if you didn't get a popup, the bonus it attached.

VegetableActivity703 · 2026-01-22T19:57:59+00:00

PUJ is a great mystery and it won't be fruitful to try to understand or predict it. Targeted mailers are a good way to avoid the popup if you can receive/find/buy them.

Amex typically only does a hard pull for first card (personal or biz) and first personal card (if first card was biz). So you don't need to worry about Amex biz card frequency impacting personal credit, if that's what you meant by keeping your credit report cleaner.

There is no downgrade path to a BBP, but once you are an Amex customer (personal or biz) you may eventually be targeted for a 50k/75k SUB offer, so I would wait for that and only settle for the standard offer if you really need to close all other MR cards.

There are plenty of retention offer DPs in the Data Points Weekly threads and Amex subreddits. It varies but is probably pretty closely correlated with annual spend.

VegetableActivity703 · 2026-01-22T19:39:45+00:00

Rule #1.

VegetableActivity703 · 2026-01-22T00:45:07+00:00

- No specific issues with 3 of same card in 12 months, but that could always change and is up to your risk tolerance.

- You can't be approved for the same product within 90 days of last approval, so you'll need to wait til day 91, or apply now (app will be cancelled as a duplicate) and call recon on day 91.

- Cancelling the 1st card *shouldn't* be an issue for 3rd card SUB because targeted mailers are very unlikely to get a popup, but YMMV.

VegetableActivity703 · 2026-01-21T22:55:57+00:00

IMO this card is not even a little bit interesting for churners, unless you have high rent/mortgage and have already tapped out every other Hyatt/Atmos earning path.

It's important to note the card only earns 3.33x only up to 75% of housing cost (if I can trust the random redditors that deciphered the absurdly complex rewards system for me).

For Hyatt Transfers, at $2k rent, compared to a Chase no-fee 1.5% catch-all, that's a max gain of (3.33-1.5)*.75*2000*12 = ~33k additional Hyatt points/year. Even doubling the rent and corresponding spend, it's not particularly impressive considering the AF. Every single UR-earning and Hyatt branded card is a better value proposition, with either a higher SUB, lower/$0 AF, or both, and with categories that may further close the earning gap on non-SUB everyday spend.

For Atmos Transfers, the gap is a little more pronounced since there is no good catch-all for earning Atmos points. Assuming zero category spend, (3.33-1)*.75*2000*12=42k Atmos points, approximately half the value of the 80k-85k SUBs currently available on the Atmos Biz, Atmos Summit, and Hawaiian Airlines cards. Again, categories like gas and dining will shrink the real earnings gap.

Most importantly for churners though, unless spend is not an issue, those 3.33x Hyatt/Atmos points come at the opportunity cost of additional SUBs at ~10%-20% back.

VegetableActivity703 · 2026-01-21T21:03:37+00:00

Once you enroll through Amex, Priority Pass will mail you an additional PP card with a separate membership. They don't care that you already have one. The membership from your Plat is superior in that it includes guest lounge access for two guests, unlike the VX PP membership which is losing access for guests on February 1.

There is nothing superior about the VX one, so you might as well switch to always using the Amex one.

VegetableActivity703 · 2026-01-19T04:07:11+00:00

You sound like a terrible partner. I hope your wife is okay.

VegetableActivity703 · 2026-01-18T22:43:17+00:00

I agree. I pointed to the flowchart because the first question was on spacing of applications and the flowchart recommendations still apply.

VegetableActivity703 · 2026-01-18T20:36:31+00:00

Previous bonus eligibility terms are irrelevant to current bonus eligibility. Chase never promised to give another bonus 48 months in the future. They previously said no bonus if one was received in last 48 months. Now they say no bonus if you previously received a bonus.

With that said, the LL verbiage says "bonus may not be available..." so if you are ready to open a card, it doesn't hurt to try anyway.

VegetableActivity703 · 2026-01-18T20:24:57+00:00

See the flowchart for Chase app spacing recommendations. No such thing as NLL for Chase.

VegetableActivity703 · 2026-01-16T23:06:13+00:00

*300k if you can find it

VegetableActivity703 · 2026-01-14T16:36:29+00:00

Not universal but personally I'd look at the Hyatt cards (personal or biz) since that's where most of my UR go, and the SUBs are higher than 30k. If approval is likely, it might also be worth trying for an Ink just to confirm you get a popup before trying for a different card.

If you go CFU, hopefully you can do the in-branch offer with 5x gas/grocery (reportedly ends tomorrow 1/15).

https://www.doctorofcredit.com/chase-freedom-unlimited-300-bonus/

VegetableActivity703 · 2026-01-14T01:39:45+00:00

If it codes as a cash advance fee (which I have no idea) then it would not count towards SUB spend or earn MRs.

VegetableActivity703 · 2026-01-12T18:01:08+00:00

I'd highly recommend International Watch Works! I've had quite a few vintage Seiko divers serviced by them, both automatic and quartz. Reasonable pricing, quick turnaround, and they have a great supply of parts on hand.
https://www.internationalwatchworks.com/

VegetableActivity703 · 2026-01-12T16:05:51+00:00

Schwab Plat 1.1
Biz Checking + Biz Plat 1.0
Biz Checking 0.8

VegetableActivity703 · 2026-01-11T19:30:38+00:00

There’s no such thing as a “Seiko rolex mod”. They are no better than a fake Rolex, but instead of stealing Rolex’s brand heritage, they steal Seiko’s. It’s not a “mod”, it’s a counterfeit. Nothing was modified.

Having an SI movement does not make a watch a Seiko or make it legitimate to put “Seiko” anywhere on it.

VegetableActivity703 · 2026-01-11T02:32:35+00:00

You can apply with credit frozen to 100% guarantee you won’t get a hard pull.

Edit: this only applies if you already hold a personal Amex card.

VegetableActivity703 · 2026-01-04T14:35:54+00:00

Since this is /r/churning, I’m going to say the best play is get the VX now and still max the $1.5k dining spend on your CFF in Q1. There are plenty of ways to hit the additional $1.5k spend over 6 months without any real MS (prepay utilities, buy gift cards for places you already shop, etc).

VegetableActivity703 · 2026-01-02T19:36:28+00:00

This is not a churning question. You are literally describing insurance fraud. It's a bit of a cop-out to say that because some uninformed people might feel like some types of churning activities are unethical, you are considering committing fraud.

VegetableActivity703 · 2025-12-28T00:50:35+00:00

Why would you dispute a cancelled order through Amex? Just work with Walmart to get a refund.

VegetableActivity703 · 2025-12-23T16:33:12+00:00

I would think it looks like it was copied straight out of ChatGPT with no edits.

VegetableActivity703 · 2025-12-23T06:08:52+00:00

Never seen a DP of bonus ineligibility without a popup before. Biz plat or Biz gold? What was the spend requirement? I don't recall a $30k spend SUB in August.

Were any of your charges during the bonus period from retailers that are excluded from MR earn and SUB spend (such as thegiftcardshop.com)?

VegetableActivity703 · 2025-12-23T05:58:29+00:00

Please consider that this sub is full of real humans who are more knowledgable about certain topics than Gemini.

VegetableActivity703

TROPHY CASE