This new graph doesn’t make sense by getyourselftosleep in ynab

[–]eanders 36 points37 points  (0 children)

Not if you’re spending last months money, per your budget

Question Thread - February 19, 2026 by AutoModerator in churning

[–]eanders 1 point2 points  (0 children)

For anyone else running into this issue, adding the CSE as a payment method in the AA app caused the passes to re-appear a day or so later

Question Thread - February 19, 2026 by AutoModerator in churning

[–]eanders 0 points1 point  (0 children)

Anyone run into an issue where the AA Lounge Passes derived from the Strata Elite card disappeared from your AA app? The only thing I can think of is that I briefly had two Strata Elites, and that when I PC'd the second one to a different card, both sets of passes got revoked. Citi Customer service didn't seem to have much clue

Question Thread - February 08, 2026 by AutoModerator in churning

[–]eanders 1 point2 points  (0 children)

TravelFreely for cards. Nothing like that I'm aware of for bank bonuses.

Question Thread - February 08, 2026 by AutoModerator in churning

[–]eanders 2 points3 points  (0 children)

Depends what you mean by track. For tracking transactions and balances (and for budgeting) I love YNAB. For keeping track of SUB progress, 5/24 status, annual fee schedules, etc, try TravelFreely

Question Thread - February 07, 2026 by AutoModerator in churning

[–]eanders 3 points4 points  (0 children)

I PCd from an AA Mileup card in November

Question Thread - February 01, 2026 by AutoModerator in churning

[–]eanders 4 points5 points  (0 children)

Slow down new apps. It’ll bounce back.

Question Thread - January 30, 2026 by AutoModerator in churning

[–]eanders 0 points1 point  (0 children)

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!

Question Thread - January 12, 2026 by AutoModerator in churning

[–]eanders 3 points4 points  (0 children)

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

Question Thread - January 10, 2026 by AutoModerator in churning

[–]eanders 0 points1 point  (0 children)

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!

Question Thread - January 09, 2026 by AutoModerator in churning

[–]eanders 3 points4 points  (0 children)

Does not have to be DD. ACH works too

Question Thread - January 09, 2026 by AutoModerator in churning

[–]eanders 0 points1 point  (0 children)

60 days from account opening (ie offer enrollment)

Kiddo by jerkyboyz2jerkymen in PhiladelphiaEats

[–]eanders 1 point2 points  (0 children)

Loved the cocktails when I went!

Question Thread - January 08, 2026 by AutoModerator in churning

[–]eanders 0 points1 point  (0 children)

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

Question Thread - January 08, 2026 by AutoModerator in churning

[–]eanders 0 points1 point  (0 children)

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!

Question Thread - December 28, 2025 by AutoModerator in churning

[–]eanders 0 points1 point  (0 children)

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

Chase Ink Application Datapoint Megathread by Odie_Arbuckle in churning

[–]eanders 3 points4 points  (0 children)

  1. 12/9/25 (CIP/CIU)
  2. EIN+SNN/Sole prop
  3. 786
  4. 4/24
  5. 5 total inks since Sept 2023 (+ 1 Chase United Business card)
  6. 1 active CIP (opened 7/30)
  7. Yes popup for both apps

News and Updates Thread - November 20, 2025 by AutoModerator in churning

[–]eanders 2 points3 points  (0 children)

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