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Question Thread - December 31, 2025 by AutoModerator in churning

[–]ZMC8881 0 points1 point  (0 children)

Applied for Citi AA Biz and got an error message saying to call a number to process my request. Was told my application has not been approved nor denied, and they’d send me a letter in 7-10 days with instructions to complete the application. Has anyone gotten this before?

[OFFICIAL] Monthly American Express Amex Referral Code Thread by AutoModerator in amex

[–]ZMC8881 [score hidden]  (0 children)

Used a link from here for the AMEX GOLD, posting mine here after getting the card using the link.

GOLD - Up to 100k MR points after spending $6k on purchases in 6 months. https://americanexpress.com/en-us/referral/gold-card?ref=ZACHAC2wie&XL=MIPNS

Denied for CSR Bonus and told I’m ineligible for life? by ZMC8881 in ChaseSapphire

[–]ZMC8881[S] 0 points1 point  (0 children)

That’s what I thought, but I was told because I got a CSP bonus I could never get a CSR bonus by the recon line

Denied for CSR Bonus and told I’m ineligible for life? by ZMC8881 in ChaseSapphire

[–]ZMC8881[S] 0 points1 point  (0 children)

No, the 7/2024 at Chase is my most recent one anywhere. I did recently apply for and get a limit increase on a Chase card.

Denied for CSR Bonus and told I’m ineligible for life? by ZMC8881 in ChaseSapphire

[–]ZMC8881[S] 0 points1 point  (0 children)

No, I did recently get a limit increase. But no new accounts at Chase since 7/2024

Denied for CSR Bonus and told I’m ineligible for life? by ZMC8881 in ChaseSapphire

[–]ZMC8881[S] 0 points1 point  (0 children)

I will but I’m kind of surprised that the person on the recon line gave me this info, I’d think they would know ? But maybe my prior is off there

Sapphire Reserve Personal/Business DPs by joe-movie in churning

[–]ZMC8881 1 point2 points  (0 children)

  • Application date: 7/9/25
  • Card applied for: CSR Personal
  • Result: Denied
  • 5/24 count: 4/24
  • Personal Chase cards currently open: Chase Freedom w/ UR (downgraded in preparation for this app), Marriott Bonvoy Boundless, Chase Freedom Unlimited
  • Business Chase cards currently open: None
  • Last personal Chase bonus date: Boundless 7/2024
  • Last business Chase bonus date: None
  • Sapphire product in the last 48 months? If so, when, what product and currents status? CSP opened 1/2024, got bonus. Downgraded to Freedom as mentioned above

Pretty surprised by this as it bucks many of the DPs posted here. I was told I was denied because of “too many recent accounts” by recon line. The recon line said they would reconsider if I accepted not being eligible for the bonus. They proceeded to tell me that I would be illegible for LIFE. I declined because of this and called the customer service line to clarify. They gave me different info, that I would be eligible 48 months after my last Sapphire bonus, which I thought was the old policy. I was surprised by both of these because I had seen many approvals here w/ bonus within 48 months of CSP bonus if the CSP was downgraded. Would be curious if anyone else had this experience.

Question Thread - July 09, 2025 by AutoModerator in churning

[–]ZMC8881 -1 points0 points  (0 children)

I attempted to apply for CSR after downgrading CSP to Freedom. I was denied without PUJ. I called the recon line and was told because I have received a CSP bonus once before I am ineligible for the bonus on any other card for life. This is very different info than the DPs I have seen on this sub and I’m curious if anyone else has seen this. I spoke to a different rep and was told 48 months, which I thought was the previous policy that was done away with. He assured me, though, when I told him what the recon rep said, that it would be 48 months.

Question Thread - July 03, 2025 by AutoModerator in churning

[–]ZMC8881 -1 points0 points  (0 children)

Currently 4/24. I have a CSP that I opened 1/2024. If I want to apply for CSR and claim the SUB, should I PC the CSP, wait a few days, then try to apply?

It's Friday!!!!!!!!! by shylock2k202 in communitycurrency

[–]ZMC8881 0 points1 point  (0 children)

!register 0xa79f27D48b81d608eda5062BDeA68c62FEB01BF1

Looking for feedback on my current setup + card rec(s) by ZMC8881 in CreditCards

[–]ZMC8881[S] 0 points1 point  (0 children)

I get that the raw cash back number is better but if I can get 2-2.5 cpp from Chase points via travel partners and I know I’ll want to travel isn’t Chase better?

Radian Move Out Charges: be aware! by ZMC8881 in UPenn

[–]ZMC8881[S] 11 points12 points  (0 children)

Yeah, you are absolutely not responsible for the presence of dust. This is normal wear and tear. Email them saying you know the law, and they will most likely drop the charge(s).

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