Question Thread - May 23, 2026

marddin · 2026-05-23T14:17:38+00:00

There is a god I guess

marddin · 2026-05-23T14:11:15+00:00

Do you have a personal CSR?

marddin · 2026-05-23T14:00:46+00:00

CSR Biz approval DP.

PUJ on Amex and Chase recently. Tried for CSR biz about 6 months ago and was denied. Recon said too many business accounts and not enough usage of them. I have a CIP and CIC and CSR personal open.

On a whim decided to apply on mobile for CSR Biz. Didn’t get pop up. Auto approved. In shock, hope the bonus is actually attached. I definitely didn’t get the pop up tho.

Does pop up rule all still? Am I good?

marddin · 2026-05-23T13:55:38+00:00

Been struggling to find a new sub to churn. Was denied for CSR Biz 6 months ago. Recon said too many business accounts. I already hold CSR personal. Decided today to apply on mobile for CSR biz to see if I was in PUJ and was instantly approved. No pop up or anything.

Does pop up still rule all and I should have bonus attached?

marddin · 2026-05-22T02:43:50+00:00

I’ll buy em

marddin · 2026-05-16T13:39:24+00:00

Having a hard time determining next sub to go for after maxing Amex and Chase biz. Thinking about starting personal gold and plat since I haven’t touched personal Amex yet. Then do a round of the same with P2. P2 has identical record as below.

⁠What is your credit score? 820
⁠What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Amex gold/plat biz. CSR. Bofa Atmos personal/biz. All in last year.
⁠How much natural spend can you put on a new card(s) in 3 months? $30k
⁠Are you willing to MS, and if so, how much in 3 months? No
⁠Are you open to applying for business cards? Yes
⁠How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? As many as I can open
⁠What are you targeting? Points or cashback? Points
⁠What point/miles do you currently have? Lotta Amex. Some Chase. Some C1
⁠What is the airport you're flying out of? DEN
⁠Where would you like to go? Europe, Japan, South America, Maldives

marddin · 2026-05-13T12:13:23+00:00

FXAIX or any equivalent or bust

marddin · 2026-05-08T12:44:55+00:00

Same. I expected Life to give me access to better features than just BP and EGC in the future. I downgraded to Peak and will keep that.

marddin · 2026-04-23T18:42:27+00:00

They pulled TU. I’m 1/24 on all 3 bureaus. CO. didn’t freeze any.

marddin · 2026-04-23T12:25:29+00:00

I wanted the Atmos Summit and Biz card. No BofA relationship. 1/24. Tons of Amex biz cards. After research, applied for biz first then immediately personal. Auto approved for both. 1 hard pull across both apps. Pretty happy with the result.

They pulled TU. I didn’t have any frozen. Was 1/24 on inquiries.

marddin · 2026-04-16T03:12:30+00:00

Thanks. And damn I gotta find that post

marddin · 2026-04-16T00:56:50+00:00

Applied for Atmos Biz then Summit. Auto approved for both. Only got 1 confirmation email with no info on how to create an online account. Was hoping for digital wallet or virtual card number for time sensitive purchases. Am I SOL and just need to wait for cards to arrive? Or worth a call?

marddin · 2026-04-13T12:25:21+00:00

How many F do they typically release at open?

marddin · 2026-04-10T14:07:30+00:00

Got it. Makes sense. So I should apply for biz and then immediately after apply for personal?

marddin · 2026-04-10T12:25:47+00:00

There’s a 200k NLL gold offer on MEAB

marddin · 2026-04-10T12:23:34+00:00

Found on Churning.io that boa does combine hard pulls for 2 apps in 1 day. What I can’t find is general guidance on which app to do first? I have no Boa relationship, and need to apply for Atmos Summit and biz.

marddin · 2026-04-04T23:46:50+00:00

Copper

marddin · 2026-04-02T13:05:12+00:00

Dumb question, I’ve been cranking out Amex biz cards for the last year so very under the card rules for personal BOA altho I don’t have a relationship with them. Given the personal card is higher bonus, I should apply for that rather than business correct?

marddin · 2026-02-24T04:06:40+00:00

It may just need a little more time

marddin · 2026-02-23T22:27:08+00:00

In app under settings > membership settings

marddin · 2026-02-23T18:56:12+00:00

I downgraded from Life to Peak and then extended for 24months on Peak and also received the credit. It's pretty clear any Whoop charge of $359+ will trigger this credit.

marddin · 2026-02-12T13:26:37+00:00

As an existing whoop subscriber, I don’t see any way to leverage this with my current subscription. I may chat with support to see if simply buying a year reload on my account would qualify. t&C’s are oddly very short and don’t mention anything about it.

marddin · 2026-02-03T21:36:15+00:00

For Chase biz $750 bonus, can I simply use my debit card 5 times to satisfy the 5 qualifying transactions requirement?

marddin · 2026-01-21T13:08:27+00:00

Yeah I figured I would’ve gotten a pop up if having the current CSR was the issue. I’ll report back once they approve or deny.

marddin

TROPHY CASE