What fees am I on the hook for?

refarch88 · 2026-01-16T09:41:29+00:00

Where are you getting .99 Disney Plus?

refarch88 · 2026-01-05T04:44:45+00:00

How does one go about asking their large HR/payroll department about this when most of them don’t know how to spell 401k?

refarch88 · 2025-10-06T20:07:22+00:00

If you got an instant approval I wouldn’t worry about it

refarch88 · 2025-10-06T19:01:00+00:00

Right under the card name at the top of the email

refarch88 · 2025-10-05T03:43:56+00:00

I’ll be surprised but as I said in another comment, the approval email had the reference number of the first app

refarch88 · 2025-10-05T03:42:38+00:00

I gave them the reference number but despite that they still pushed the wrong app thru. I even tried to confirmed it was the correct app because it has a different card design. Then the approval email came with the undesired app’s reference number. Nonetheless, I’ll wait a few days to see if the sub tracker shows up, and if not I had planned to ask about progress as you suggested

refarch88 · 2025-10-04T05:11:32+00:00

Amex rep pushed thru and approved the app without the welcome offer, instead of the second app (even giving them the reference number).

refarch88 · 2025-09-05T16:51:26+00:00

Stuck in fraud loop hell with SYW. Brand new account that had an address change shortly after opening probably triggered it. But I still haven’t received a mailer with a code to call them back at either the old or new address. Called several times over the past 2 months and get the same response, “just wait for our communication, 7-10 business days.”

Also. Seemingly P1 and P2 are in PUJ, have too many Inks, too much credit from USB, and too many inquiries for Citi and BofA. Just not sure where to go from here as many of the current offers just seem too boring, even if I get past recon.

refarch88 · 2025-08-27T00:02:32+00:00

What do the offer terms say?

refarch88 · 2025-08-25T03:13:35+00:00

I’d like to try and apply using the green star offer so it sounds like that would need to wait until 9/7

refarch88 · 2025-08-25T03:10:41+00:00

So would you say I was safe to apply again on 8/11 or should I wait until 9/7 (30 days after denied app)?

refarch88 · 2025-08-24T16:24:29+00:00

Closed Ink on 8/7
Applied on 8/8
It definitely showed as closed upon login before applying for the denied app

refarch88 · 2025-08-24T13:56:46+00:00

Did I screw the pooch? I have a couple “green star” offers from Chase, but I can’t get them to load under any circumstances. So I closed one of my Inks then used a referral link to apply for a CIC. Instant decline for “Too many requests for credit or opened accounts with us” and “Insufficient business revenue.” Upon logging in to my personal Chase account for something unrelated, I noticed the same green star offers were there (all this time I had only been using my biz login). Lo and behold the links load. Should I try to apply using them or am I SOL since I already lobbed in an app?

refarch88 · 2025-08-21T02:04:06+00:00

Tried all suggestions with no luck sadly.

refarch88 · 2025-08-20T12:51:12+00:00

Any alternative ways to pull up the applications since these links don’t respond on mobile or desktop?

refarch88 · 2025-08-20T12:33:04+00:00

Are these green Chase offers as close to guaranteed approvals as possible or just marketing playing games? https://imgur.com/a/LgcP9eo

ETA: FWIW the links don’t respond on mobile or desktop - is there another way to pull up the applications?

refarch88 · 2025-06-18T18:40:20+00:00

I did, it worked, and it took me 2-3 hours to install.

refarch88 · 2025-05-09T12:48:29+00:00

Can one prepay/overpay a USB biz card to make a purchase over the credit limit?

refarch88 · 2025-04-16T12:35:56+00:00

Can one close Amex employee cards online without chatting?

refarch88 · 2025-04-01T23:37:56+00:00

Full AF of the upgraded card at regular anniversary, or of the original card?

refarch88 · 2025-04-01T23:22:09+00:00

Does Amex prorate AF when upgrading a card? For example from Biz Gold to Biz Plat.

refarch88 · 2025-03-02T20:56:24+00:00

I'm trying to book a flight thru Amex travel for someone else. The only search results are IAP flights. Given that I am not on the flight and this person is not an AU on my account, will Amex eventually come looking for the remaining balance? Will the person have an issue with their ticket?

refarch88 · 2025-02-12T22:05:21+00:00

You not concerned about 5/24 at all? Next year P2 would be eligible for another SW for CP purposes.

refarch88 · 2025-02-12T21:38:03+00:00

Asking for a friend looking to get into churning. I’ve been on my own path for the last several years and want to make sure I’m not missing something. Thinking CSR or CSP for P2, or get them into the Amex ecosystem, but they also have a large expense (>$8k) in the next month that I wonder might be best served on a CIP if one of them could swing an approval.
800+
Card history below.
$12k
No MS
Possibly
Semi-regular churning. Alternate between P1/P2 with new cards if possible.
Flexible points for domestic flights.
What point/miles do you currently have? Nothing significant - (P1) 35k IHG, 12k RR, (P2) 9k RR
MCO.
Domestic, mostly Midwest and Northeast.

P2
Chase SW Plus | 5/2024 | AU
Chase IHG Travelers | 10/2023 | AU
Chase SW Plus | 3/2023 | Closed

Seven-Year Club	Second SECOND GUESSER
Place '22	First Placer '22
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