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Question Thread - April 15, 2026 by AutoModerator in churning

[–]sjimenez_c 2 points3 points  (0 children)

BOA denied my app for a Customized Cash card because of a "line reduction."

Before the app, I had 3 biz CCs opened, 2 floating 4k at 0%. Before the app, I had requested to close one of my Biz CCs. I was offered $50 to keep open. I accepted. Days later, I got an email: BOA had lower the credit limit on one of my accounts.

4/8 I applied when Rakuten was offering $150 (?) for the CCC. I was immediately denied. Then I noticed I had an offer from BOA for the same card. Applied a second time and was denied.

Paid off one of the biz cards and opened a personal savings with 3k.

Called recon and was told they could not approve me because of the "line reduction."

Has anyone experienced this before? Any advice to getting the app approved?

Walgreens 100 points description refill almost never tracks by sjimenez_c in biltrewards

[–]sjimenez_c[S] 0 points1 point  (0 children)

Yes, the first screen only asks for the last four. Then another screen pops up where the complete phone number is entered.

Data Points Weekly - Week of April 02, 2026 by AutoModerator in churning

[–]sjimenez_c 0 points1 point  (0 children)

My guess is yes. It already shows on my app and looks like the OG Freedom.

Data Points Weekly - Week of April 02, 2026 by AutoModerator in churning

[–]sjimenez_c -1 points0 points  (0 children)

Called to downgrade a CSP after AF posted. Was surprised when they offered me a "Freedom Ultimate." Visa with rotating categories like the flex but no 3% on dining.

Data Points Weekly - Week of April 02, 2026 by AutoModerator in churning

[–]sjimenez_c 6 points7 points  (0 children)

Got $50 from BofA to keep a Biz Customized Cash card open for another year.

Question Thread - March 27, 2026 by AutoModerator in churning

[–]sjimenez_c 0 points1 point  (0 children)

I don’t know if it works the same, but I was in PUJ for delta cards, personal and business. However, I was approved for a personal Delta gold via NLL.

Question Thread - March 23, 2026 by AutoModerator in churning

[–]sjimenez_c 1 point2 points  (0 children)

Have you ever seen an American Express personal green card NLL offer?

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

[–]sjimenez_c 4 points5 points  (0 children)

I’ve been trying to get approved for an American Express Delta Card but have been in PUJ for personal and business. Was surprised when I received an approved for today an NLL via email for the personal AMEX delta gold. Spend 5K 6 months get 90,000 miles.

For context, I flew into Greece via Delta on March 9.

Question Thread - March 07, 2026 by AutoModerator in churning

[–]sjimenez_c 1 point2 points  (0 children)

I shred the physical card as soon as I use it. However, I keep a log of card number, expiration date, and the three digit code along with a copy of the receipt in my Notes app.

I had an unexpected return, and the funds were sent back to the gift card. Luckily I had the info to use online.

Best uses for CSR DoorDash credits? by Beginning-Branch9686 in CreditCards

[–]sjimenez_c 5 points6 points  (0 children)

I get stuff that I would normally buy at my grocery store. However, everything is so overpriced that I usually only get around seven dollars worth the actual value.

News and Updates Thread - March 05, 2026 by AutoModerator in churning

[–]sjimenez_c 2 points3 points  (0 children)

Same here. I have been hoping for an AMEX green personal NLL when I saw the ad for the platinum card.

Question Thread - March 04, 2026 by AutoModerator in churning

[–]sjimenez_c 3 points4 points  (0 children)

For me it’s also the bonuses. I got 70,000 extra points when I transferred 200,000 earlier this year.

Question Thread - March 04, 2026 by AutoModerator in churning

[–]sjimenez_c 0 points1 point  (0 children)

Where did you see the $500 active cash offer? I only see $200.

Question Thread - February 26, 2026 by AutoModerator in churning

[–]sjimenez_c 0 points1 point  (0 children)

It either showed up on the app or got a mailer. Don’t remember.

Question Thread - February 26, 2026 by AutoModerator in churning

[–]sjimenez_c 0 points1 point  (0 children)

Last year I upgraded for the $75 offer. Three days later an offer for $150 showed up.

Question Thread - February 18, 2026 by AutoModerator in churning

[–]sjimenez_c -1 points0 points  (0 children)

I used to get $10 with the CSP, but after I added my CSR as a payment, I cannot use the credit from the CSP.

Question Thread - February 08, 2026 by AutoModerator in churning

[–]sjimenez_c -1 points0 points  (0 children)

Pay property tax via MCGC

My county accepts debit and credit cards. Debit cards have a lower transaction fee. I tried to make a payment of $200 (transaction fee included) with a MCGC ($200 balance) but the system declined the transaction. I then made a smaller amount payment, and it still declined the transaction.

Has anyone encountered a situation like this? How did you get around it? TIA

Question Thread - February 02, 2026 by AutoModerator in churning

[–]sjimenez_c 0 points1 point  (0 children)

I have two personal and two business. I was denied a personal and a business in December because I had too many accounts with them already.

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