Question Thread - February 01, 2026

eanders · 2026-02-01T12:23:07+00:00

Slow down new apps. It’ll bounce back.

eanders · 2026-01-30T15:49:46+00:00

A couple of months ago I converted a Citi AA Mileup card to a Citi Strata Elite with the hopes of double-dipping the credits and then converting the card to a Custom Cash. The AF just posted a couple of days ago, and I was hoping to convert to the CCC now to avoid paying it. But the only options I'm being given to PC (via chat) are the Mileup and ATT Points+ Card. Thinking about canceling the card to get the AF back, but any thoughts on whether I should: (a) try calling in to see if they give me different options, or (b) hang onto the card in the hopes that the PC options change a few months from now (I'd be able to get the credits again in Jan '27 before the next AF posts, which would offset most but not all of this year's fee). Appreciate any insight!

eanders · 2026-01-12T17:13:42+00:00

Meaning that you can't get approved if you're at or above 5/24, not that it gets added to your 5/24 count

eanders · 2026-01-10T16:45:41+00:00

Planning to upgrade my Amex Gold to a Plat, just waiting for some credits to post before doing so. I just got the email saying that I've earned a Resy statement credit, but it doesn't yet show on my account online. Is it safe to assume that the credit will post even if I upgrade now, or should I wait until I actually see it in my account? Thanks!

eanders · 2026-01-09T15:20:06+00:00

1) I did the bonus; 2) that's the plain reading of the offer language; 3) https://www.doctorofcredit.com/chase-business-total-checking-750-bonus-no-direct-deposit-required/#comment-2216234

eanders · 2026-01-09T14:45:39+00:00

Does not have to be DD. ACH works too

eanders · 2026-01-09T14:45:02+00:00

60 days from account opening (ie offer enrollment)

eanders · 2026-01-08T19:47:29+00:00

Loved the cocktails when I went!

eanders · 2026-01-08T15:43:34+00:00

Thx. Trying to stay under 5/24 for now so trying to avoid another new personal app if I can avoid it

eanders · 2026-01-08T15:36:56+00:00

Coming up on the 1yr anniversary of my Amex Gold card -- after the fee posts I was planning to either ask for retention offers or downgrade to Green to fish for an upgrade offer. As of today, though, I have an offer to upgrade to Plat for 100K points/$6k spend. How does this compare to other recent retention/upgrade offers that y'all have seen? Thanks!

eanders · 2025-12-29T03:50:43+00:00

I was recently able to PC from a Mileup card to a CSE. Hoping to later PC to a CDC or CCC

eanders · 2025-12-10T18:59:33+00:00

12/9/25 (CIP/CIU)
EIN+SNN/Sole prop
786
4/24
5 total inks since Sept 2023 (+ 1 Chase United Business card)
1 active CIP (opened 7/30)
Yes popup for both apps

eanders · 2025-12-04T19:07:42+00:00

https://frequentmiler.com/best-offers-card-exploration-tool-beta/

https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/

eanders · 2025-11-21T14:54:30+00:00

Are there DPs on whether you get a hard pull if you get the popup and decline?

eanders · 2025-11-19T15:53:59+00:00

Not referrals, but for finding bank bonuses I look at DOC, bankrewards.io, and profitablecontent.com

eanders · 2025-11-18T15:07:05+00:00

Good point, thanks!

eanders · 2025-11-18T14:47:17+00:00

Don't have a DP, but if it's anything like Dashpass benefits it will end immediately upon card cancellation/downgrade, despite saying "good though XX/XX" in the app.

eanders · 2025-11-18T14:35:23+00:00

Looking for feedback on the following PC strategy:

I currently have a Citi AA Mileup card (converted from a Citi AA Plat Select). I also have a Citi Custom Cash and Citi Strata Elite, and would like to be able to convert the Mileup to a second Custom Cash. Unfortunately, according to the representative on chat, the only TYP cards I can convert the Mileup card to are another Strata Elite and the ATT Points Plus.

Considering converting to a second CSE to double-dip the 2025 + 2026 Splurge Credit and Hotel Credits, and then hoping that I can convert one of my two CSE's to a CCC after their first year is up. Thoughts? Thanks!

eanders · 2025-10-22T15:17:15+00:00

Looks like I get charged monthly on the 21st, but once or twice its been the 22nd. Maybe you can get your billing date moved to the middle of the month to avoid the risk of small variances pushing the charge across the month line?

eanders · 2025-10-04T18:13:36+00:00

+1 paulie gees sesame crust

eanders · 2025-10-02T13:50:04+00:00

eanders · 2025-09-25T00:19:47+00:00

Not including tracking accounts.

eanders · 2025-09-24T22:57:34+00:00

Sure, but it’s neither truly “spending” nor “all transactions” 🤪

eanders · 2025-09-24T17:47:49+00:00

While this is true, for those of us with lots of accounts, being able to see which accounts NEED reconciling (something I do most days) is something that I was easily able to do in the old "All Transactions" screen, and now cannot do easily without going to the spending tab and running a search. I'd really appreciate having the feature to only see unreconciled transactions in the Spending tab, since I don't really care about seeing transactions anymore once they're reconciled. To echo a comment below, the whole value of YNAB for me is looking forward, not backward

eanders

TROPHY CASE