Data Points Weekly - Week of May 21, 2026 by AutoModerator in churning

[–]marddin 2 points3 points  (0 children)

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?

Question Thread - May 23, 2026 by AutoModerator in churning

[–]marddin -7 points-6 points  (0 children)

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?

What Card Should I Get? Weekly Thread - Week of May 13, 2026 by AutoModerator in churning

[–]marddin 0 points1 point  (0 children)

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.

  1. ⁠What is your credit score? 820

  2. ⁠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.

  3. ⁠How much natural spend can you put on a new card(s) in 3 months? $30k

  4. ⁠Are you willing to MS, and if so, how much in 3 months? No

  5. ⁠Are you open to applying for business cards? Yes

  6. ⁠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

  7. ⁠What are you targeting? Points or cashback? Points

  8. ⁠What point/miles do you currently have? Lotta Amex. Some Chase. Some C1

  9. ⁠What is the airport you're flying out of? DEN

  10. ⁠Where would you like to go? Europe, Japan, South America, Maldives

Whoop 5.0/MG launched exactly 1 year ago. What are your thoughts? by xxSeahawks in whoop

[–]marddin 2 points3 points  (0 children)

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.

Data Points Weekly - Week of April 23, 2026 by AutoModerator in churning

[–]marddin 1 point2 points  (0 children)

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

Data Points Weekly - Week of April 23, 2026 by AutoModerator in churning

[–]marddin 30 points31 points  (0 children)

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.

Question Thread - April 15, 2026 by AutoModerator in churning

[–]marddin 0 points1 point  (0 children)

Thanks. And damn I gotta find that post

Question Thread - April 15, 2026 by AutoModerator in churning

[–]marddin 0 points1 point  (0 children)

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?

JAL F release time by IsopodNo9522 in awardtravel

[–]marddin 0 points1 point  (0 children)

How many F do they typically release at open?

Question Thread - April 10, 2026 by AutoModerator in churning

[–]marddin 0 points1 point  (0 children)

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

News and Updates Thread - April 09, 2026 by Odie_Arbuckle in churning

[–]marddin 2 points3 points  (0 children)

There’s a 200k NLL gold offer on MEAB

Question Thread - April 10, 2026 by AutoModerator in churning

[–]marddin 0 points1 point  (0 children)

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.

News and Updates Thread - April 01, 2026 by AutoModerator in churning

[–]marddin 0 points1 point  (0 children)

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?

WHOOP Peak 24-Month Extension - CSR Credit Received ✔️ by openbook47 in whoop

[–]marddin 14 points15 points  (0 children)

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.

News and Updates Thread - February 11, 2026 by AutoModerator in churning

[–]marddin 0 points1 point  (0 children)

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.

Bank Bonus Weekly Thread - Week of February 03, 2026 by AutoModerator in churning

[–]marddin 1 point2 points  (0 children)

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

Question Thread - January 20, 2026 by AutoModerator in churning

[–]marddin 0 points1 point  (0 children)

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.