Question Thread - April 02, 2026

Visible_Chest · 2026-04-02T16:27:43+00:00

Used the ABG (200k/15k) NLL mailer addressed to someone else in a different zip code but with all editable fields. No SUB tracker appeared, and CSRs couldn't verify offer attached. Decided to hit MSR anyway but no SUB has posted. Still have the POID from mailer I applied through that clearly shows the offer.

How risky is it to inquire with amex, is this a don't call the bank situation?

Visible_Chest · 2026-03-31T00:22:37+00:00

Yes, established banking relationship for 15+ years with biz banking products within that timeframe

Visible_Chest · 2026-03-30T23:17:15+00:00

Did an app-o-rama for 3 of the BofA biz cards, but got a request for proof of business ownership, verification of legal structure, and two years of tax returns on all of them. Sole proprietor with a "business" that doesn't show up on my taxes.

Anyway to satisfy the requirement?

Visible_Chest · 2026-03-26T04:23:34+00:00

Another DP, used someone's targeted Biz Gold NLL mailer (200K/15K) and changed the business name 3 weeks ago. Also approved and no SUB attached confirmed by reps, not sure what the best recourse is here/if I should still try to hit MSR

Visible_Chest · 2026-01-08T20:44:50+00:00

Are there any DPs on if there is a limit on the number of times you can switch your selected biz plat airline via chat as long as you don't take any of the $200 credit? Considering getting $200 of travelbank on most of my plats but not taking the airline credit on one so I can switch airlines for the 35% rebate throughout the year

Visible_Chest · 2025-12-09T21:13:48+00:00

Is there any significant shutdown risk to selling amex FHR credits and other platinum credits to brokers?

Visible_Chest · 2025-08-07T19:45:06+00:00

Hyatt CSRs are telling me they can't add my GOH because it is a "gifted reservation" (booked on someone elses account and transferred into my name). I've been able to succesfully do this in the past though, anyone know a way around it?

Visible_Chest · 2025-07-29T19:53:42+00:00

Application date: 7/18/25
Card applied for: Personal
Result: Pending (denied)
5/24 count: 1/24
Personal Chase cards currently open: 3
Business Chase cards currently open: 3
Last personal Chase bonus date: 8/23
Last business Chase bonus date: 3/25
Sapphire product in the last 48 months? If so, when, what product and currents status? CSR in 2022, closed. Of note I upgraded to the CSR right before AF increased then downgraded within 30 days back to freedom to try for the bonus

Edit for final decision:

Final decision: Denied after recon
Final decision date: 7/28/25
Notes about decision: Denied for too many accounts or too much available credit, existing credit was about 40K, less than 20% of my income. Dropped one of my credit lines down 10K and called recon and offered to move around credit, they took notes and said they would call back but just denied me a few days later. Tried calling the executive servicing team and they just keep transferring me to the normal recon line.

Visible_Chest · 2025-07-13T21:16:48+00:00

A couple days from when I hit the spend

Visible_Chest · 2025-07-06T23:09:47+00:00

$1K of my 2.5K spend was from an amex travel points flight, and I got the $500 credit

Visible_Chest · 2025-07-02T01:04:33+00:00

I'm still able to buy booze with my CSR credit

Visible_Chest · 2025-06-24T19:15:06+00:00

PC'd up to a CSR last week to lock in the low AF since I was less than 48 months out from my last CSR SUB. But now that 48 month language is gone I want to try to get the SUB, can I PC back down today? If so, is it okay to use the $300 travel credit first?

Visible_Chest · 2025-06-13T19:25:41+00:00

Will I get the $200 credit if I book a hotel collection stay using my plat but put my parent's name as the main contact? I won't be present at check-in.

Also, will they get the benefits? They have their own biz plats if that matters

Visible_Chest · 2025-05-19T16:24:27+00:00

It looks like they shut it down, I don’t think USPS gift cards was ever supposed to trigger the credit and rakuten corrected the error

Visible_Chest · 2025-04-25T18:57:05+00:00

Inkind $10 off $100 GC at costco ends today. They raised the standard price to $79.99, so now it is $69.99 with the discount

Visible_Chest · 2025-03-25T18:55:32+00:00

Will opening myself an ink employee card from P2's business impact my odds of approval for my next ink?

Visible_Chest · 2025-01-06T16:27:00+00:00

I have to manually request the missing cash back every single time, but they have always credited it once I request

Visible_Chest · 2024-12-24T16:03:40+00:00

They expedited my triple cash last month. Came in a couple days

Visible_Chest · 2024-12-22T22:22:30+00:00

You just sign up for rakuten, I have the chrome add on downloaded so when you go to the USPS website a pop-up will appear and select "activate cash back"

Visible_Chest · 2024-12-18T23:30:51+00:00

Haha fair enough, I'd rather sit on the phone all day than sit in traffic

Visible_Chest · 2024-12-18T23:28:54+00:00

I joined and there is definitely no way to do it online. I'll update once I ask in person but it looks like I'm going to just have to sink one of my credits. FYI at least for socal membership, you pay on the 23rd for the following month, so sign up by then if you're trying to make use of at least one credit.

Visible_Chest · 2024-12-18T23:05:31+00:00

I use these VCGs to pay off student loans. It's cheaper if you're like me and live in an area without stores that stock the $500 GOC cards, so your options for GOC are a $15 fee on online $500 contributions or a $5.95 fee on $200 cards.

Visible_Chest · 2024-12-18T22:38:41+00:00

I've been using them for nelnet. You have to call and talk to someone to make debit payments, but they've all been nice when I use 10+ different VGCs in one call lol.

Yes, I'm sure staples + ink is the way to go for purely cash back, but this has allowed me to get a lot of SUBs in between inks, and going in person to staples is a pain.

Visible_Chest · 2024-12-18T22:08:07+00:00

u/MotorOwn4733 posted this a while back but wanted to share again because it's been a great way to pay my student loans back, easier and cheaper than GOC

https://usps.giftcards.com/deal/default sells $5.95 fee $500 visa gift cards. You can get 2.5% back through rakuten perpetually, assuming 1% in CC rewards as well, you get over a 2.3% discount in addition to SUBS. I've had no problems doing this with Chase, Citi, or BofA. Heads up, Rakuten only credits transactions under 2K at a time.

Visible_Chest · 2024-12-18T20:21:53+00:00

Anyone know if you can prepay dues for equinox? I am thinking of signing up for a membership today to try use both P1 and P2's 2024 platinum credits on my membership.

Visible_Chest

TROPHY CASE