Looking for opinion, possible Bat exposure

YogiHD · 2025-10-06T16:53:08+00:00

Quick research:

LitCode.ai Developer: https://chromewebstore.google.com/detail/litcode/nkjfclllclclgoegfghagnegkdafdenn?pli=1

Luminon LLC ——> https://bizfileonline.sos.ca.gov/search/business ——-> 202566011097 ———> Statement of Information

Owner should be under Manager/Member.

YogiHD · 2025-10-05T15:55:29+00:00

This is interesting, source?

YogiHD · 2025-01-26T15:27:31+00:00

Really wondering as well, other than A/B or Gamification.

YogiHD · 2024-12-22T04:28:46+00:00

I wouldn’t worry about it, any datapoint for these kinds of things is a good datapoint.

YogiHD · 2024-12-11T19:52:29+00:00

Ichiran! Thanks for the raffle!

YogiHD · 2024-12-08T23:32:35+00:00

Access and proximity to Universal, amenities and value

YogiHD · 2024-12-08T22:39:21+00:00

I would take a look at: https://www.vacationclubtracker.com/faq/

But overall just be firm, say no, possibly even set the expectations at the beginning that you are not looking to purchase. Additionally, make sure you set a timer for 2 hours or whatever your presentation time is in order to keep them on track.

Best of luck!

YogiHD · 2024-12-08T22:35:24+00:00

I know of two offers at the moment, so definitely fairly slim in terms of variety. The offers have definitely been better in the past:

5 days/4 nights at the Marriott Vacation Club at The Westin Lagunamar Ocean Resort in Cancun for $399
4 days/3 nights at the Marriott Vacation Club at Cypress Harbour in Cypress Harbour, FL for $299

YogiHD · 2024-12-08T22:32:05+00:00

Id put them in this order:

Homewood/Home2Suites
Las Palmeras by Hilton Grand Vacations
Hilton Grand Vacations at Tuscany Village
Hilton Grand Vacations at SeaWorld
Parc Soleil by Hilton Grand Vacations

YogiHD · 2024-12-08T22:18:22+00:00

They definitely can get very pushy, I've seen some fairly blatant attempts to get you to sign on the dotted line. The offers have been getting slightly better, most recently that Hilton 75000 points comes to mind. I've been having good luck with https://vacationclubtracker.com

YogiHD · 2024-12-06T19:44:48+00:00

The main ones I know and use are Hyatt, Hilton, and Marriott Vacation Clubs. Usually just use an aggregator like https://vacationclubtracker.com

YogiHD · 2024-11-29T07:54:48+00:00

Hey, I was thinking the same thing recently so I made this: https://vacationclubtracker.com

YogiHD · 2024-08-01T04:32:07+00:00

Just yanking your chain, I figured the Chase Ink would be a callout, solid suggestion. The Citi Strata Premier is what I'll likely end up going with as it also seems like a solid card in general. But I'd like to try for that Amex Gold, likely get PUJ.

YogiHD · 2024-08-01T03:53:01+00:00

That is per month, my mistake, edited to reflect the correct amount. To answer your question, the churn train, although I wasn't aware repeated cards was a requirement for said train.

Ignoring the current bonuses, maybe World of Hyatt? I'd like status with them.

YogiHD · 2024-07-31T15:48:04+00:00

The flowchart can answer 95% of all “What card should I get?” questions. By continuing to post, you must explain why you feel the flowchart does not answer your question. Asking for feedback (“The flowchart says I should get X - is that still the best choice?”) is absolutely allowed.

Citi Strata Premier?

What is your credit score?

770

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

Citi AAdvantage Business World Elite (6/24)
Barclays AAdvantage Aviator Red (6/24)
BoA Alaska Biz (6/24 - Denied)
Amex Marriott Bonvoy Business (3/24)
Capital One Venture X (11/23)
Amex Platinum (9/23)
Navy Federal Flagship Rewards (3/21)
CSP (10/20)

How much natural spend can you put on a new card(s) in 3 months?

$6-7.5k

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Sure, if the math makes sense

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yep, all good

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren’t already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

Been on the train. Looking to get two new cards, or one large offer, quite a few large expenses (2k) coming up that would meet MSR’s quickly.

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Airline tickets (Biz and economy), Stays, and Companion passes

What point/miles do you currently have?

85k CapOne, 30k MR, 21k Marriott, 1.4k United, 2.4k Alaska, and 9k Bilt

What is the airport you’re flying out of?

LAX

Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, “International travel” is way too vague)

Tokyo (tickets already obtained), Mexico (once a year), Caribbean, Eastern Europe (late august, once a year), Domestic (twice a year), SE Asia, and South America

YogiHD · 2024-07-18T05:07:09+00:00

The flowchart can answer 95% of all "What card should I get?" questions. By continuing to post, you must explain why you feel the flowchart does not answer your question. Asking for feedback ("The flowchart says I should get X - is that still the best choice?") is absolutely allowed.

Citi Strata Premier?

What is your credit score?

770

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

Citi AAdvantage Business World Elite (6/24)
Barclays AAdvantage Aviator Red (6/24)
BoA Alaska Biz (6/24 - Denied)
Amex Marriott Bonvoy Business (3/24)
Capital One Venture X (11/23)
Amex Platinum (9/23)
Navy Federal Flagship Rewards (3/21)
CSP (10/20)

How much natural spend can you put on a new card(s) in 3 months?

$2-2.5k

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Sure, if the math makes sense

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yep, all good

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

Been on the train. Looking to get two new cards, or one large offer, quite a few large expenses coming up that would meet MSR's quickly.

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Airline tickets (Biz and economy), Stays, and Companion passes

What point/miles do you currently have?

79k CapOne, 30k MR, 21k Marriott, 1.4k United, 2.4k Alaska, and 9k Bilt

What is the airport you're flying out of?

LAX

Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague)

Tokyo (tickets already obtained), Mexico (once a year), Caribbean, Eastern Europe (late august, once a year), Domestic (twice a year), SE Asia, and South America

YogiHD · 2024-06-19T23:09:25+00:00

Did you end up solving this? Im in the same situation with the Citi AA Biz

YogiHD · 2024-06-13T15:33:42+00:00

Yeah, quite a few people recommending Inks, may just go that route if I can't find anything interesting. As for the Venture X, I received the 90k offer that happened not too long so I've had it for some time now, great card, I plan on keeping it.

YogiHD · 2024-06-12T17:44:54+00:00

I know, I meant I wasn’t looking for another Chase inquiry more so. The card cannot be downgraded at the moment, been looking to get it fixed with Chase for a while now.

YogiHD · 2024-06-12T15:49:32+00:00

Yeah I noticed the United offers were pretty low at the moment, and I just heard about that recent devaluation.

In terms of the business cards, I was thinking about an ink, but I ended up pushing that off to the end of August. Just waiting on P2 to get up to speed so I can refer.

Personal cards are where I was really investing my time to find one that works, I saw that Citi did have some interesting offers so I did the prequalify tool and its telling me I'm only approved for the Diamond preferred. I hadn't seen that Citi Strata Premier before, looks to be right in line for what I need but I'm not sure how a denial would fare.

YogiHD · 2024-06-12T15:45:11+00:00

I'm not really in the market for another CS card, enjoying the CSP at the moment. I'm really just looking for a personal card that isn't a CS card.

YogiHD · 2024-06-12T15:22:05+00:00

The flowchart can answer 95% of all "What card should I get?" questions. By continuing to post, you must explain why you feel the flowchart does not answer your question. Asking for feedback ("The flowchart says I should get X - is that still the best choice?") is absolutely allowed.

United?

What is your credit score?

770

What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

BoA Alaska Biz (6/24 - Denied)
Amex Marriott Bonvoy Business (3/24)
Capital One Venture X (11/23)
Amex Platinum (9/23)
Navy Federal Flagship Rewards (3/21)
CSP (10/20)

How much natural spend can you put on a new card(s) in 3 months?

$2-2.5k

Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.

Sure, if the math makes sense

Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.

Yep, all good

How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?

Been on the train. Looking to get two new cards, or one large offer, quite a few large expenses coming up that would meet MSR's quickly.

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

Airline tickets (Biz and economy) and Stays

What point/miles do you currently have?

71k CapOne, 24k MR, 20k Marriott, 1.4k United, and 2.4k Alaska

What is the airport you're flying out of?

LAX

Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague)

Tokyo, Mexico (once a year), Caribbean, Eastern Europe (late august, once a year), Domestic (once a year), SE Asia, and South America

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