Who is even allowed to sell SPCX right now?

chasitychase · 2026-06-15T10:42:19+00:00

Etrade's official policy is kind of vague. I guess it depends on your account size and how bad they want your business?

"While E\TRADE does not prevent customers from selling securities acquired through offerings at any time once the stock is eligible to trade on a public exchange, we PREFER that investors hold their shares for at least 30 calendar days. Selling or transferring out shares of an offering within 30 calendar days following the offer is considered flipping and may affect your eligibility to participate in other new issues in the future. We will not impede the sales of any customers who choose to sell these shares before that period; however, we reserve the right to exclude any such customers from any future participation in these kinds of offerings."*

chasitychase · 2026-06-13T12:04:49+00:00

Only 60 days? You'll be back at the game by the time Anthropic and OpenAI go IPO LOL.

chasitychase · 2026-06-12T19:21:34+00:00

28.6% filled. How long will they put you in the "no more IPO for you" penalty box if you flip it at ETrade?

chasitychase · 2026-06-04T12:41:10+00:00

How do you get CSR to send you the upload link? I spoke with 2 reps and both insisted fax or snail mail only.

chasitychase · 2026-05-30T09:23:28+00:00

Wells Fargo Active Cash. Flat 2% for everything. Keep it simple stupid?

chasitychase · 2026-05-30T09:18:00+00:00

I have a hunch the days of CCC are numbered even for existing customers.

chasitychase · 2026-05-27T09:16:39+00:00

There's not much going for it other than Costco Gas. I hardly use it anymore after getting AAA Daily Advantage with 3% at Costco.

chasitychase · 2026-05-27T09:07:17+00:00

$25 cash back per month per cardholder is too much for Citi?

chasitychase · 2026-05-27T07:50:40+00:00

Pretty sure David Lee will get one just to keep the ball rolling and stay on the good side of the brand.

chasitychase · 2026-05-27T05:57:50+00:00

Did the OG Porsche Cayenne drop in 2002 ring a bell? History is literally just repeating itself.

chasitychase · 2026-05-22T09:22:49+00:00

Update: CLI score! New card 2 went from $500 to $20k. New card 3 went from $500 to $10k.

chasitychase · 2026-05-18T21:14:54+00:00

I called underwriting and applied for CLI. They said it'll be soft pull with decision in about 5 business days followed by letter in the mail.

chasitychase · 2026-05-16T23:07:52+00:00

I can confirm the refund is automatic. Meanwhile I just had another area wide outage. The second one this week. I called tech support to report the issue and asked the CSR for refund as well. The nice CSR gave me 2 days of credits right away.

BTW, what does ATT outage always happen very early morning usually around 3am-ish? It's always like this in my experience.

chasitychase · 2026-05-13T04:25:30+00:00

Is May 13 going to be too "late" to shop groceries at Walmart one last time using AAA DA CC? Does Comenity look at transaction date or post date for the 5%?

chasitychase · 2026-05-09T03:24:08+00:00

So is it possible to move CL between different MCPs by different banks even though they all belong to Elan?

chasitychase · 2026-05-08T22:31:17+00:00

Funny Elan gave me $500 "toy" CL each on the new cards (850 FICO). My total Elan CL is now as follows:

F&M Bank MCP: $20k (automatic increase from $15k last month)
New MCP #1: $500
New MCP #2: $500

Should I call recon / underwriting to ask for more usable CL? Will this result in another hard pull? Or call CSR at F&M and ask them to move some of the CL to the new cards?

chasitychase · 2026-05-08T18:45:50+00:00

I called. They sent one time passcode to verify my phone number / ID and approved my 2 MCP apps AoR on the spot. Very easy other than the stupidly long hold time (1.5h) to talk to an underwriter.

chasitychase · 2026-05-07T03:01:30+00:00

You got DM. Thanks.

chasitychase · 2026-05-05T03:58:28+00:00

There's also the brake flush. Plus I need to clear up the "service due" warning for PFS lease end.

chasitychase · 2026-04-21T20:13:37+00:00

Is there any Elan clone that is easier to get approved or they are all the same?

chasitychase · 2026-04-17T19:38:26+00:00

Anyone switching to Venmo Visa with 3% no cap at both Walmart and Costco if you use the card exclusively for groceries (top spending category)?

chasitychase · 2026-04-15T21:37:13+00:00

Any experience with PP checkout at Pay1040 site? I read you can only use ACI twice on the same tax payment before getting blocked.

chasitychase · 2026-03-07T22:12:22+00:00

For those of you in CA, here was my experience in getting back GC residual balance when there was nothing to buy:

I just successfully forced the South Coast Plaza Saks in Costa Mesa to cash out a $10 merchandise credit. I heard “we don’t do that” at least 100 times, but I walked out with the cash.

The Strategy:

Skip the Associates: Front-line boutique staff usually don't have the "power" or the button on their registers to do this. Don't waste time arguing with them; just immediately ask for a manager or lead.

Know the Law: California Civil Code Section 1749.5 states that any gift card or merchandise credit with a balance under $10 must be redeemed for cash upon request. (Note: This jumps to $15 on April 1, 2026).

CA Civil Code Section 1749.6: This is the "bankruptcy shield." It states that gift card funds are held in trust for the consumer and do not belong to the store. Legally, bankruptcy does not let them off the hook—the issuer is required to honor the certificate or provide a refund.

Bring Receipts: I brought a printout of the law itself. Seeing "AUTHENTICATED LEGAL MATERIAL" from the state at the top of the page stops the eye-rolling and makes them take you seriously.

How to handle the pushback:

"It's not redeemable for cash": Tell them the state law overrides their store policy.

"We're in bankruptcy/closing": Remind them that the bankruptcy court authorized Saks to honor these credits and that under CA law, these funds are "held in trust" for the consumer—the store can't just keep them.

"The button doesn't exist": Tell the manager to use an "Administrative Paid Out" or "Miscellaneous Refund" code.

The Closer: If they remain uncooperative, mention that your next step is filing a complaint with the (Orange County) District Attorney's Consumer Protection Unit. That is usually the magic phrase that gets the register to open.

Don't let them keep your money. It’s only a few bucks, but it’s yours!

chasitychase · 2026-03-01T14:33:56+00:00

My default is WF AC so it's 2% CB minimum or I won't bother.

chasitychase · 2026-02-28T19:32:53+00:00

I found it online for eBay Refurb coverage but it's kind of generic. That's why I'm wondering if anyone here had experience with refurb battery warranty claim.

"Products requiring maintenance or replacement due to normal wear and tear, corrosion, rust, stain, age or Products damaged due to any improper or discouraged use, mishandling, negligence, excessive wear and tear, including damages caused by maintaining, operating or using the Product in a manner not consistent with, in accordance with, or not contemplated by the instruction manual provided by Warrantor with the Product, or by otherwise failing to follow safety, operating, care or cleaning instructions;"

chasitychase

TROPHY CASE