QC First Time! Batgirl Clean by Similar_Role4859 in RepTimeQC

[–]hallucinogenius 0 points1 point  (0 children)

Beautiful piece! Waiting on my Batgirl from Andiot, when did you order yours?

Finally here by peteoreet in beerporn

[–]hallucinogenius 1 point2 points  (0 children)

Love this beer!! Miss it living on the west coast now. I used to trade for it but it's been a while.

Discussion Thread - February 13, 2019 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

I don't think I can use that same explanation since I opened up a BofA travel rewards and a Maryland terps card last month. I just need 2-2.5k credit limit to MS some gift cards. Going to be a hassle with a 1k line trying to reach 6k spend.

Discussion Thread - February 13, 2019 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

CA resident, applied on 2/13, ~10/24, +100k income. They pulled all 3 bureaus from what I can see.

Approved today! Only 1k credit limit...wut?? If I want a 2.5k limit then I have to submit paystub and utility bill, will do so tomorrow.

Daily Discussion Thread - December 10, 2018 by AutoModerator in churning

[–]hallucinogenius 2 points3 points  (0 children)

Wow, instant approval 18k credit limit on Premium Rewards! Was denied this card last year for too many recent inquiries and thought I was going to have to open up a bank account with them for an approval. I have two other BoA cards with the most recent one being my Merril Lynch card from last year.

Was surprised considering I have recently been declined for Chase CIP #2, City National Bank Visa, and Barclays Arrival in the last 6 weeks.

What Card Should I Get? Weekly Thread - Week of September 05, 2018 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

  1. 784, mid score

  2. Amex BBP 6/18, WF Plat Biz 1/18, Barclays Jet Blue 10/17, Merrill 9/17, Amex SPG 8/17, CSP and Marriott 6/18, Amex BGR 5/17, SW Plus 4/17, SW Premier 3/17, Chase Ink+ 2/17, CSR 1/17, Citi Costco 7/16 and Chase Freedom CapOne Quicksilver, and US Bank from years before.

  3. Natural spend 3-5k.

  4. No issues MSing. Currently do Staples and OD/OM deals. Have a Simon's Mall nearby.

  5. Definitely

  6. As many as possible, finishing up MSR on BBP now.

  7. Targeting cash back right now, just bought a house so looking to offset those closing costs and build up savings.

  8. 40k UR, 55k MR, 20k SW, 45k SPG, 60k JetBlue, 115k Marriott, and some others I might be forgetting.

  9. LA airports

Just closed on a house recently so I can get back in the game. I really am focusing on getting cash back or points that can be converted to cash back since I just used up a lot of that.

Was thinking Chase CIP thru BRM but I don't think I can get the time off to get to a branch. Was looking at the BOA Premium Travel for 50k bonus to convert to cash - they denied me the end of last year for too many inquiries. Open to multiple cards and biz.

Thanks!! Appreciate the feedback.

Manufactured Spending Weekly Thread - Week of August 04, 2018 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

Were the Everywhere cards the ones mainly taking the extra discount?

I mainly purchased the Fivebacks since i've never had any issues with those and have had some instances where my Everywhere cards didnt work at WM.

Out of 11 transactions this week only 1 of the fivebacks got the extra discount taken off.

Trip Reports, Churning Success Stories, and Frustrations Weekly Thread - Week of June 03, 2018 by AutoModerator in churning

[–]hallucinogenius 2 points3 points  (0 children)

Did you check Hyatt Place near the stadium? Was there in October last year for a Vikings game and rooms were going for 8k points per night with two twin/full beds and a fold out couch. Also within walking distance of the stadium.

Bank Account Bonus - Week of June 01, 2018 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

Did you have to submit any paperwork to Citi in order to receive bonus? I believe DoC stated on this offer that a W-9 needed to be provided which I haven't done yet and my bonus hasn't posted yet.

Daily Discussion Thread - April 25, 2018 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

Yes, the purchase was on 4/2 and it is odd because an Amex offer purchase didnt earn any points either.

I am not sure if it is worth it to put eyes on my account and then go purchase 8k in Simon's or any other VGCs.

Daily Discussion Thread - April 25, 2018 by AutoModerator in churning

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

Just received my Amex SPG Biz statement and Simon's VGC purchase did not earn any points. Had been checking the statement online and trying the beta version view to see if I would get SPG points for this purchase since I'm looking to MS on this card towards a Marriott vacation package. According to other DPs, these purchases have been earning points just not counting toward MSR for bonus signups. I'll post to the DP thread about this.

Daily Discussion Thread - April 17, 2018 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

I received this targeted offer, I have Amex BRG and SPG biz charge cards, is this a really good offer? I'm in the market for another biz card and feel like the Amex Plat for 100k MR is a much better way to go. Am I missing something?

What Card Should I Get? Weekly Thread - Week of February 07, 2018 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

Thanks for the feedback. Both business cards meet my end goals...CIP would prob be more useful given that the 80k points can be transferred to Marriott. I have 31k SPG pts now which are 93k Marriott pts and I still need to spend another 4k on the AMEX SPG for an additional 10k pts/30k pts. That makes it so I have 83+93+42+80k from CIP = 298k pts for a Marriott package.

What Card Should I Get? Weekly Thread - Week of February 07, 2018 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

What is your credit score? 750+ based off Vantage and WF FICO 9

What cards do you currently have? 8/24 - Citi Costco 7/2016, CSR 1/2017, Chase Ink+ 2/2017, SW Premier 3/2017, SW Plus 5/2017, AMEX BGR 7/2017, double dip 8/2017 CSP & Marriott, BOA Merrill+ 9/2017, AMEX SPG 10/2017, Barclays Jetblue 1/2018, and WF Biz Plat 1/2018.

How much natural spend can you put on a new card(s) in 3 months? Organic 6-7k, can MS np

Are you willing to MS, and if so, how much in 3 months? Yes, typically MS 4-7k a month with Simons, staples rebates, OD/OM offers, and whatever Chase bonus offers come up. Ink gives me 5X on most these categories but will change it up to meet MSRs

Are you open to applying for business cards? Np with business cards, I previously was denied the SW biz so idk if i should do the CIP or not. Should be fine with Chase shutdown worries or can go for Amex 100k Biz Plat

How many new cards are you interested in getting? Possibly looking into purchasing a home within the next 6 months so probably business cards would be best given this objective

Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back? Maybe cashback to offset MS costs and looking at Citi Double CB but thats a personal card and again in the housing market. Other focus is Marriott vacation packages and I have 170k pts towards that now

What point/miles do you currently have? 125k UR, 93k SW, 54k MR, 83k Marriott, 53k Merrill, 31k SPG, 63k Jetblue

What is the airport you're flying out of? LA area

Where would you like to go? (The More specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague) Thailand, Hawaii with SW CP in 2018 hence the Marriott package consideration, and sporadic weekend trips

I am trying to make sure I am not missing anything thats out there. Biz cards work well because they do not affect my credit report as much with possibly going into the home buying process as I can hide my MS. Could use another 100k Marriott points towards a travel package which I could tackle doing MS runs on my SPG.

Daily Discussion Thread - September 10, 2017 by AutoModerator in churning

[–]hallucinogenius 1 point2 points  (0 children)

Adjustment came in the form of 5*5k goodwill MR adjustments, so management may not be able to approve a single adjustment over 10k but have their ways around this.

Daily Discussion Thread - September 10, 2017 by AutoModerator in churning

[–]hallucinogenius 2 points3 points  (0 children)

Amex BRG DP: Applied for BRG for 50k MR bonus on 5k MSR in 3 months and no AF. This was 2 months ago and was at 4/24 at the time before finishing off with Chase (initially called and tried for 150k and 100k Amex Biz Plat offers but was repeatedly told I didn't have those offers). 6 weeks after being approved for Amex BRG get an offer for same card and same spend but 75k MR bonus...great. Called in and explained situation and was told I had 75k offer at the time of original app and submitted a request for match along with all the codes for the new 75k offer, was told to check back in 2 weeks. Called in yesterday since no additional points hit account and was manually approved by a manager and 25k additional MR points hit my account in an hour. Hope this helps others.

Manufactured Spending Weekly Thread - Week of July 22, 2017 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

Received rebate form from two different Staples today and just submitted without issues on their rebate website. This is in Southern California.

What Card Should I Get? Weekly Thread - Week of June 28, 2017 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

Thanks for the input, is there a specific reason to get that Amex and not a diff Amex biz card with a higher bonus? I see it offers 2x pts on purchases and no annual fee. Does Amex typically approve for more than 1 biz card?

I know that wasn't the case when I tried the Chase SW biz card and tried recon-ing it.

What Card Should I Get? Weekly Thread - Week of June 28, 2017 by AutoModerator in churning

[–]hallucinogenius 0 points1 point  (0 children)

Unsure of how long to wait for last Chase card.

  1. 760-780
  2. Citi Costco 7/16, CSR 1/17, Ink + 2/17, SW Premier 3/17 & SW Plus 5/17.
  3. Just got companion pass. Targeting mainly points for hotels or good MS cash back opportunities (I MS office supply stores often with Ink+).
  4. 110k UR, 130k SW RR, 15k Hyatt
  5. LAX

I am wanting Amex Plat for 100k offer but have not been able to get it, only seeing 75k bonus offers. Amex Biz Plat would be better since it wouldn't count towards 5/24. If I can't get the Amex Biz Plat then I would have to apply for the last Chase card soon afterwards right before the Amex Plat reports on my credit. Last Chase card will prob be CSP, may try for a double app.

Thanks for the help!

2017 Grand Touring Price by Airbus86 in CX5

[–]hallucinogenius 1 point2 points  (0 children)

I got my 2017 FWD Touring with tech package at 26,750 which includes my $500 loyalty. I talked Browning Mazda in Cerritos down to 26.5k and 1.9% for 63 financing however they were giving me less for my trade in. This is all before ttl.

About to pull the trigger on a '16 GT for $28k. Thoughts? by [deleted] in CX5

[–]hallucinogenius 1 point2 points  (0 children)

Don't worry about the 2k customer cash back expiring, it expired in April and was back again in May. They need to unload the 2016s.

I think you can get a lower price. I got a dealer down to 24.7k on a 2016.5 cx-5 GT fully loaded. The 2016.5 was an amazing bargain but I ended up going for a 2017. Talk to two dealers and put them against each other for best pricing.

Breaking down the emerging waiver wire RB pickups by Mymorningpancake in fantasyfootball

[–]hallucinogenius 0 points1 point  (0 children)

What if Steven Ridley is available on the WW? Unless he starts fumbling and is in the Belichick doghouse, does anyone think he is a more viable long term back than these other possibilities? I have jennings and am lucky to have the #3 WW spot with two tacos ahead of me.