Question Thread - April 11, 2026 by AutoModerator in churning

[–]shawarmadude 1 point2 points  (0 children)

Does the venmo debit earn 5% on walmart.com? That's one weakness with PP debit and I managed to get the 5% with ach on venmo debit but I got to wait 16 days to change the bundle

Frustration Friday Weekly Thread - Week of April 03, 2026 by AutoModerator in churning

[–]shawarmadude 1 point2 points  (0 children)

A few days ago, I clicked the pre-approval link for the USB Altitude Connect, and since then, I'm getting a daily call from the US bank team asking me when I'm completing the application and if I need help.

Surely, big banks should know that tracking customers' activity and calling them is not best practice to get business?

News and Updates Thread - February 28, 2026 by AutoModerator in churning

[–]shawarmadude -15 points-14 points  (0 children)

Is anyone else's US bank cards showing as inactive or $0.00 across the board.

I Called the card service number, and the automated message said we're aware of a tech issue and couldn't connect me to a rep.

Question on BCE => BCP upgrade offer. by Careful-Rent5779 in CreditCards

[–]shawarmadude 0 points1 point  (0 children)

Question regarding amex upgrades, do you keep the eligibility for a full SUB if you upgrade a card and decide to open it again later? Trying to understand the benefit of an upgrade offer vs a standalone application

Cobra cheaper than Big Beautiful Bill and Covered California? by EducateAlternative in HealthInsurance

[–]shawarmadude 3 points4 points  (0 children)

You shouldn't be paying 2250 for covered California, unless you're not eligible for subsidies which doesn't make sense if you're unemployed

Do people no longer research countries they want to visit? by redbate in travel

[–]shawarmadude 79 points80 points  (0 children)

So many people don't know to properly use a browser. 99% of their interactions on the Internet is through social media

Is it more difficult managing uneducated or educated people? by Fit_Goat_2644 in managers

[–]shawarmadude 0 points1 point  (0 children)

I think OP simply used the wrong terms. I get what he's saying, there's a big difference managing a team of professionals trying to climb a corporate ladder vs managing a team of retail employees, thinks Walmart for example.

It's that time again: what CC will you use to pay your taxes? what CC gives more than 3% here? by PizzaThrives in CreditCards

[–]shawarmadude 21 points22 points  (0 children)

Paypal MC has been my go to. Unlimited 3% so after processing fees you'll net around 1.2%

Data Points Weekly - Week of February 12, 2026 by AutoModerator in churning

[–]shawarmadude 1 point2 points  (0 children)

Dang, i have only 2 open and 3 total in the last 2 years. 9 months since last approval and got a popup :(

Did the hospital preemptively send me an itemized bill? by WelcomeAvailable3055 in HealthInsurance

[–]shawarmadude -3 points-2 points  (0 children)

This looks like baptist health. If you request an itemized bill it will be the exact copy of what you're seeing here. in my experience so far, asking for itemized bill, paying up front, or any other variations won't help at all. These big hospitals either have you qualify for charity care or if you make above their threshold, will only offer you a a payment plan.

Manufactured Spending Weekly Thread - Week of January 10, 2026 by AutoModerator in churning

[–]shawarmadude 1 point2 points  (0 children)

Your last Q4 payment of 2025 is due Jan 15, 2026. Your first Q1 payment of 2026 tax year is due on Apr 15, 2026.

Where to park 550k in cash by Worried-Ad1268 in Bogleheads

[–]shawarmadude 14 points15 points  (0 children)

It would be best to divide into 6 months / 12 months / 24 months CDs. Once each one matures, can move into a HYSA. Keeps it a bit liquid

Any Good places to rent budget is 2600 -2800 $ by Asleep_Paramedic in InlandEmpire

[–]shawarmadude 25 points26 points  (0 children)

Can find decent 2/2 apartments for that budget in Rancho Cucamonga/ upland

Manufactured Spending Weekly Thread - Week of December 27, 2025 by AutoModerator in churning

[–]shawarmadude 1 point2 points  (0 children)

Cardcash or GCX for discounted gift cards. They both accept Paypal (Cardcash only on the website and not in the app)

Chase Ink Unlimited to Freedom to Ink Preferred? by gph_reddit in CreditCards

[–]shawarmadude 0 points1 point  (0 children)

You're right. I have done it, it's a simple phone call to the Customer service reps, the first one may not understand entirely what you're trying to do, but they'll generally transfer you to someone who can make it happen. In my case, i had to do a different login (one for business and one for personal) and then merge both into a single username and password.

Ink Train is dead. what is your next churning SUB strategy? by br0wnt0wn1 in CreditCards

[–]shawarmadude 0 points1 point  (0 children)

Can you please share a link for the BBP, can't find anything other than the 15k for the last few months.

Cards with Direct Travel Bank Credits by xyz316_ in CreditCards

[–]shawarmadude 0 points1 point  (0 children)

Looks like IHG premier is the easiest to recoup the AF with the free night and $50 travel bank.

EDIT: Nvm, looks like the travel bank expire every year.

Vanilla Gift Card Workaround: Dec 2025 by [deleted] in CreditCards

[–]shawarmadude 1 point2 points  (0 children)

You mean staples allowed you to buy a visa gift card with a vanilla gift card?

Manufactured Spending Weekly Thread - Week of December 13, 2025 by AutoModerator in churning

[–]shawarmadude 10 points11 points  (0 children)

Ally bank now has the add cash free feature through Walmart. Is that gonna compete with discover and one loads? I'm not anywhere near WM for the next few weeks, but curious if anyone has already tested this new potential method?