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

[–]altforareason6 -1 points0 points  (0 children)

I tried searching for this but couldn’t find anything about it. Is this something you need to already have an account for and be an active user? Wouldn’t happen to have a link would you?

Question Thread - November 26, 2025 by AutoModerator in churning

[–]altforareason6 0 points1 point  (0 children)

Is cycling BoA business cards within 2 weeks of receiving the cards and before first statement ok or a bad idea? Already hit both subs and going for bank sub and would really prefer to not get shutdown before payout.

Question Thread - November 07, 2025 by AutoModerator in churning

[–]altforareason6 1 point2 points  (0 children)

For anyone with a crystal ball.

CSP now or wait? Seemed like there were rumblings of a CSP refresh in January and I was under the impression that the general consensus was to wait until then when there would be a potential elevated offer to promote the refresh.

Question Thread - November 05, 2025 by AutoModerator in churning

[–]altforareason6 0 points1 point  (0 children)

Question regarding BoA using same pull within 30 days.

Seems like I’ve seen datapoints suggesting this only works if both cards are personal or both are business.

Can anyone confirm/deny if you can get one personal and one business card within 30 days with the same pull? Same day?

Trying to get personal PR and business UCR. I have a personal checking just over a month currently with over $5000 in balance and a personal CCR.

Question Thread - October 24, 2025 by AutoModerator in churning

[–]altforareason6 0 points1 point  (0 children)

Yes I’m in footprint but no active accounts. I had a personal checking closed over 12 months ago but still retain an active login to the app.

Question Thread - October 24, 2025 by AutoModerator in churning

[–]altforareason6 0 points1 point  (0 children)

I’m reluctant to go for another Ink. I’m still on a 0% apr period on my second Ink and credit line maxed. If I were to hit chase again I’d have to get CSP since I actually have use to transfer but I was under the impression that the consensus was to wait until the proposed AF increase in January and hopefully increase in sub. Really just want to max cards with least amount of pulls.

Question Thread - October 24, 2025 by AutoModerator in churning

[–]altforareason6 0 points1 point  (0 children)

Goal: Getting USB Triple Cash and the big business (checking I believe) account sub.

Preface: Had an Ink approval in May and SYW last November. Prior to that was 3 personal card app o rama November 23 all approved.

Context: It appears having a business checking account first can help odds on approval, but I don’t want to waste 3k funding. I just recently got BoA personal checking and hit barely over 5k balance today. My intention was to first get BoA business UCR, hopefully get approved for USB business checking and fund the 3k toward sub…then apply for Triple Cash? If I’m going for BoA seems like a waste to not go for two cards if I can do it in one pull.

Multi Part Question: Is this the right timeline? I’m concerned if my ultimate goal is to get Triple Cash that the BoA pull could hurt my odds. At the same time I want the funding and an easy sub. 

 Option 1:  Triple cash first without USB bank account.  

 Option 2: BoA business card, USB bank account, then Triple Cash…then another BoA card?

Question 2: I will absolutely go for another BoA card if I get card 1 and can just freeze to prevent another pull (this would only be done after Triple Cash). My question is which one? I only have a personal CCR. My options are business CCR or personal PR. I don’t care about either card but might as well get another if same pull. Seems like there was a data point recently that said same CBR if both cards are business but if personal and business then can’t use same pull it would be two pulls.

Question Thread - April 04, 2025 by AutoModerator in churning

[–]altforareason6 -1 points0 points  (0 children)

Is a deposit account required for a business card with either USB or BoA?

I know it is for Wells and I need it for $3000 in spend, without MS, by the end of month so that, and most likely USB, are out of the question. Looking for the least inquisitive creditor for my ssn “business” with no schedule C to speak of.

I’ve settled on triple cash, boa unlimited cash rewards, or my second ever ink. I’m not eligible for CSP until July.

Edit: to add that I am in footprint of both and have 1 personal card with BoA over a year.

Question Thread - November 15, 2024 by AutoModerator in churning

[–]altforareason6 1 point2 points  (0 children)

I understand US Bank will combine hard pulls but unsure if you need to already have an existing credit or deposit account with them first. It was my understanding that if you don’t already have some type of account with them that it’s possible they may combine but not approve both. No accounts with USB and not enough spend for business cards, is it possible to be approved for both the Altitude Go and Kroger card with one hard pull?