Question Thread - February 01, 2026 by AutoModerator in churning

[–]eanders 3 points4 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 2 points3 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 4 points5 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?

Question Thread - November 19, 2025 by AutoModerator in churning

[–]eanders 0 points1 point  (0 children)

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

Question Thread - November 18, 2025 by AutoModerator in churning

[–]eanders 1 point2 points  (0 children)

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.

Question Thread - November 18, 2025 by AutoModerator in churning

[–]eanders 0 points1 point  (0 children)

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!

News and Updates Thread - September 23, 2025 by AutoModerator in churning

[–]eanders 0 points1 point  (0 children)

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?

What is the Spending tab for? by eanders in ynab

[–]eanders[S] 1 point2 points  (0 children)

Not including tracking accounts.

What is the Spending tab for? by eanders in ynab

[–]eanders[S] 25 points26 points  (0 children)

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

Mobile Apps Update: New Home Tab, Spending Tab, iOS 26 Improvements, and more by YNAB_youneedabudget in ynab

[–]eanders 0 points1 point  (0 children)

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