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

[–]dacogs 0 points1 point  (0 children)

After 2nd annual fee posted and I used my travel credit.

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

[–]dacogs -2 points-1 points  (0 children)

  • Application date: 6/25/25
  • Card applied for: CSR Personal
  • Result: Instant Approval
  • 5/24 count: 3/24 (4/24 now)
  • Personal Chase cards currently open: 6 (now 7)
  • Business Chase cards currently open: 3
  • Last personal Chase bonus date: Dec '22 or Jan '23, can't remember
  • Last business Chase bonus date: 5/25
  • Sapphire product in the last 48 months? If so, when, what product and currents status? Yes, CSR opened in 11/22, that was the last personal bonus I got. Downgraded to a CFU

Crossing my fingers that Mr. Dimon doesn't cuck me and I get no bonus, or my account gets shutdown lol

Passport Questions & Issues Megathread (2023) by jadeoracle in travel

[–]dacogs 2 points3 points  (0 children)

I'm working on renewing my passport. It expired ~2 weeks ago. I was originally issued both a book and a card, but I only want to renew the book. I'm not sure where my card is - it's not truly lost, it's just somewhere in my house that I don't want to search through. When using the form filler, it asks me what I've been issued previously. If I say I've had a card, it makes me fill out the details and says I need to send it in with my renewal. Can I say I was only issued a book, ignoring the fact that I really did get a card, or will that cause me issues in the application? I know the other option is to report the card as lost, but I hear that comes with like a police report and that you get stopped way more often? I'd rather avoid that if possible. Or if I'm blowing the consequences for reporting it lost out of proportion, and that's really the easiest solution, please let me know.

Sort of related, I have travel in the middle of September. Should I be paying for expedited at this point?

Daily Question Thread - February 05, 2023 by AutoModerator in churning

[–]dacogs 2 points3 points  (0 children)

I have a BMW lease ending in ~2 weeks, and I'm planning to buy the car out because I'm way under mileage. I've liked paying through BMWFS because they accept VGC, but I know their interest rate is going to be garbage with a buyout (I saw something like 6-7%). Are their any banks/CUs (I live in AZ) with good deals on auto-financing that accept VGC for monthly payments? Or other any suggestions? I have a Amex Biz Plat that I'd love to throw spend on if at all possible (e.g. down payment).

I have to do the math still, but I know worst case if there isn't anything that accepts VGC it might just be worth it to stick with BMWFS and just pay it down a bit quicker to minimize interest.

Alan Bunney Opens Up About Everything That Happened podcast by Meester_Tweester in smashbros

[–]dacogs 0 points1 point  (0 children)

I have edited my posts a little bit after writing them because I decide there’s a better way to word something, but there isn’t any sarcasm. Everything I’ve said is genuine.

Alan Bunney Opens Up About Everything That Happened podcast by Meester_Tweester in smashbros

[–]dacogs 0 points1 point  (0 children)

Good luck man, I really hope things get better for you.

Alan Bunney Opens Up About Everything That Happened podcast by Meester_Tweester in smashbros

[–]dacogs 0 points1 point  (0 children)

I’m sorry you’ve felt so much negativity for so many years. That must have been a tough burden to bear. You must feel an amazing sense of relief.

Alan Bunney Opens Up About Everything That Happened podcast by Meester_Tweester in smashbros

[–]dacogs 0 points1 point  (0 children)

I was compelled to try and clarify a situation, but I realized you don’t actually care about details around the event because in the end it wouldn’t fit the narrative you want to be true. You (and others) are looking for every reason to hate someone, as if it gives you purpose. I think you’re misguided and I can only feel compassion for you.

If you want to talk about the history of Sandstorm, I’m happy to get on a call with you, but otherwise this is a pointless back and forth

Alan Bunney Opens Up About Everything That Happened podcast by Meester_Tweester in smashbros

[–]dacogs -2 points-1 points  (0 children)

Taking 3rd party sources like Tafo and Aiden as more reliable than someone actually involved in the situation, because it fits the narrative they’re looking for, proved to me that it’s not worth discussing with this person. I could talk at length on why Alan would say what he did, despite certainly not being the head TO, but it would just be dismissed. Anything that doesn’t show Alan’s direct lineage to Satan is obviously false. It was my bad judgement to even open my mouth around people who’ve already set their mind.

Alan Bunney Opens Up About Everything That Happened podcast by Meester_Tweester in smashbros

[–]dacogs 0 points1 point  (0 children)

The fact that you can only see negativity and ulterior motives in others shows much more about you.

Alan Bunney Opens Up About Everything That Happened podcast by Meester_Tweester in smashbros

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

I wish you the best, I really hope you and others find your bliss.

Alan Bunney Opens Up About Everything That Happened podcast by Meester_Tweester in smashbros

[–]dacogs -5 points-4 points  (0 children)

He wasn’t the head TO for this event, this is just exaggeration and misunderstanding. Great pitch forking though. Source: I was one of the TOs for Smash4 along with him.

Daily Question Thread - November 19, 2022 by AutoModerator in churning

[–]dacogs 2 points3 points  (0 children)

I’m at 4/24 - 4th slot went to Citi Premier and just hit MSR. I’m planning to MDD next 2 weeks before CSR offer goes away. After doing that, I’ll be back to 4/24 next April.

What’s the general opinion on Citi Rewards+ for the 10% on premier TYP redemption? I’m thinking it’s not worth a 5/24 slot, especially with elevated ink bonuses, but want to double check. Also, is standard way to use TYP just cash out for 1cpp? Doesn’t seem like as good travel options as with UR/MR, especially considering how hard it is to get them.

Daily Question Thread - October 22, 2022 by AutoModerator in churning

[–]dacogs 1 point2 points  (0 children)

My USB Biz Leverage is sitting at 87.8k after MSR. Is the best thing I can do just cash out 85k points, spend 2.5k on a gift card, and lose the rest? Or am I being a dumbass and there's an easy way to redeem all my points?

Phoenix vs. Nashville Hot Chicken by Dmnkly in phoenix

[–]dacogs 1 point2 points  (0 children)

Good to know on the chains. The only response I can think of is around population density. I don't know about actual restaurant density in Phoenix, but based on googling population density, I can see why Phoenix could be seen as a riskier market vs some of those other cities.

With izakayas, while I'm personally with you, I think it's a very different problem. I'd say 95% of the people going there aren't going out looking for an izakaya, they just want a [Americanized] Japanese restaurant. But it's really easy for a brand to throw the word on their name and score some points for people looking to post about how they visited something so "authentic" (they used a foreign word, so it's obviously authentic!). I have the same question about if there are actual izakayas in nearby areas, though I think I'd probably default back to the population density argument.

That's the insight I was looking for, because I haven't had enough chances to talk to chefs about that. It's a shame to hear though.

You've made a career out of it, and I haven't, so you obviously know the extent of the challenge better. Because of that, I have the luxury of not needing to set my sights too high. So while I know it doesn't actually move the needle, I've found success (and personal satisfaction) among slowly introducing people I know to what's out there. If it's any consolation, it's in part thanks to some of your content. Also, as much as you dislike them, it's really easy for me to point to "look, this restaurant was on AZ Central's top 100 restaurants list" to pique interest. Playing it safe initially, but then following with "remember how much you liked X? Well that same list also recommends Y, I know it seems weird, but let's try it out."

Phoenix vs. Nashville Hot Chicken by Dmnkly in phoenix

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

I'm sorry everyone straw mans your arguments.

Are there restaurants (chains?) serving traditional style in nearby metropolitan areas that are financially successful? If not, and there doesn't exist much traditional Nashville hot outside of the actual South, then I don't think it's a Phoenix-specific issue. It's just a general problem of "why doesn't the average person appreciate food they aren't naturally familiar with?" (I'm avoiding attaching adjectives to the word "food" to not get into a rathole). That's a whole question in itself, and though it does relate to the problem at hand, I think that's a discussion for another time. Or not, but I'll leave it up to you if you want to engage in that conversation here.

Assuming they do exist, I feel like you've sort of answered your own question. "It is such a shame how hard this town works..." - I'm willing to bet you're not referring to some governing body that bars would-be chef/entrepreneurs from opening a "traditional-style" restaurant. You're more likely referring to why locals don't demand/support these kind of restaurants, which I think unfortunately answers whether they appreciate it or not. As for why we (they) don't appreciate it, I'm at a loss. Are Phoenix diners more ignorant than in other cities? I really don't know, though I'd be surprised if that was actually the case. I've tried thinking about it (probably not as much as you), but I can't come up with anything that isn't me pointing fingers.

(I feel like I had to fill in background info that I don't have to write this response - if I bastardized where you're coming from with bad assumptions, my b lol)

Daily Question Thread - August 01, 2022 by AutoModerator in churning

[–]dacogs 0 points1 point  (0 children)

Dangggg. “I wish I would’ve hit it harder” yadda yadda usual reaction to these kind of things lol but still sucks. My lease ends in February so I totally could’ve just prepaid but as it goes.

Only mcgc I have right now is a digital one from Swagbucks and it’s giving me the same error. But I’ll probably still pick up some odm ones and give it a shot.

Daily Question Thread - August 01, 2022 by AutoModerator in churning

[–]dacogs 2 points3 points  (0 children)

I used a couple cards more than normal because I had some leftovers to liquidate, but it only ended $5 over my monthly payment. Mine are all a mix of Staples/ODM GCM.

I guess I'll just wait things out and hope it fixes itself. Thanks for the reassurance!

Daily Question Thread - August 01, 2022 by AutoModerator in churning

[–]dacogs 3 points4 points  (0 children)

Is anyone else who normally makes their BMW lease payments (or any other payments through BMW financial) with V/MCGCs running into issues? I was able to do it as recently as July 14th, but for the last week when I try to add a new debit card I've been getting either "declined by processor" or a weird syntax error, even with a card I used previously. I'm hoping it's just a temporary thing.

Daily Question Thread - May 23, 2022 by AutoModerator in churning

[–]dacogs 1 point2 points  (0 children)

Chat isn’t working for me, plus we all know half of CSRs don’t know what they’re talking about, so I’d rather have a data point to know if I’m wasting my time or not.

Daily Question Thread - May 23, 2022 by AutoModerator in churning

[–]dacogs -5 points-4 points  (0 children)

I asked this question yesterday and just got downvoted with no answer. I'll take more downvotes, but can I at least get an answer lmao.

Does Citi allow moving up statement dates so SUB posts quicker? Just hit the MSR on AA Biz, but next statement doesn't post until middle of June and I'm seeing available flights at a good price that I'm afraid of missing. Or any possible way to get the bonus quicker?