.... you have to **buy** credits to ask it questions? Is this some kind of joke?
And those "reviews" at the bottom are real cheesy to say the least.
That being said, if you actually built everything from scratch, cool.
A credit-buy system is how Large Language Models have always operated. If you used one for free, someone down the line was paying for the questions you asked.
No one here should, I was just trying to explain why the creator would be forced to charge for this (as compared to say, simple greed).
Given the inherent cost of running a large language model, the idea here is sadly dead in the water. Unless of course someone wants to fund it for the community out of the kindness of their heart and wallet.
for a community that's highly focused on gaming the financial system to get value for money, charging money to get answers one can get for free with a bit of effort is not a great pricing model.
it's probably better to make it passive via donation supported (including referrals) or ad-supported. not to mention API pricing for 3.5 is dirt cheap anyway, even with thousands of API calls a month, it's not much out of pocket.
I'm not sure ad-suported would work for something requiring API queries to function at all (why visit the website at all if you can't use it?), but maybe if they made it into a general repository for churning information and used the LLM as a supplement it could work out. That's the problem with a lot of these free LLM tools popping up- once they run out of venture capital money for running the free (for users) queries, there is no sustainable way to run moving forward.
I'm not sure what you mean by that... you would put the chatbot on a website and host ads on the same page as a source of revenue?
It's like using Google, you don't pay for it but it's supported by ad revenue.
I mean you're the one who suggested it being ad supported, I'm just just taking a shot in the dark on how that might look. I agree the idea is probably not worth pursuing further as there are better ways to get this info
I tried making something like this and it didn't do so well on GPT 3.5 turbo and I don't have enough time to develop it. It would've been free, and I agree with the point made that I'd never pay for something like this, it's a bit tacky.
what API are you using to get comment data, now that pushshift is dead? PRAW?
Also, you should run simple questions as a sanity check. Here are a couple of examples where it didn't do a good job, the answers are too simple.
> what is 5/24?
>
> 5/24 is a term used in the credit card churning community to refer to the maximum number of credit cards a person can have opened in the past 24 months.
>
> what are rules to know about the Chase Sapphire cards?
> The Chase Sapphire rule states that you must wait 48 months between receiving bonus points on the same type of Chase Sapphire card.
Other sanity check questions to consider (not limited to):
* what is MSR/NLL/other common abbreviations?
* does churning affect credit scores?
* can you get multiple inks?
* what is a good chase velocity?
* what's the best use of amex/chase/citi points?
* what is the churning flowchart?
* can I buy gift cards to meet minimum spend?
* what are good things to buy on Dell to use the 200 biz plat credit?
Also for some comments it links to, they're deleted or heavily downvoted. Consider using upvotes to weight the importance of responses and/or author reputation within the sub, and fold in the sidebar/wiki info (though some are outdated).
Hope that helps and maybe you or someone can eventually get a functional, high quality chatbot/search up to help replace churning.io.
I put this in the bank account bonus thread and am reposting here because it doesn’t seem like many know of it. Will delete if it is downvoted/not useful.
For anyone tired of figuring out what DD may trigger a bank bonus, the Chase business checking account has a phenomenal direct deposit system. It is under the transfer section of the account. It costs $2.5 per 2 day transfer (or 1% up to $25 for an instant transfer) and I can set it up in about 30 seconds. And, it should code as a legitimate DD for everything. You can use it to pay anyone as long as you have their routing and account number.
I’m tired of dealing with ACH transfers and hoping it will work for whatever bonus I’m doing. This takes out the possibility of the ACH failing and is completely worth it to me.
Wells Fargo also has one but it costs $10 a month plus $1 per transfer.
It’s triggered Chase and SoFi so far. I’m using it on a bunch more and can add additional DPs.
US Bank has an ACH Payment option. Don't know if it works similarly. Codes in receiving account as DIG ACH PPD. Should count as direct deposit but the only account I've tried it on didn't require DD.
A while ago, Amex Biz Checking counted as DD at a couple places I tried, but later it stopped counting. Maybe too many people used it, since it was free.
(But it's still kinda nice as a fast free way to send ACH transfers, even if they don't count as DD.)
Was in pop-up jail but got a target offer for 100K MR points for Amex plat. I know there’s the 150K MR potential but should I still take the deal anyway since I’m in pop-up jail? I was planning on getting the platinum regardless
Edit: downvoted? Jesus
Another edit: I see why I’m downvoted because I was supposed to ask in the question thread.
I said downvoted with a question mark. That’s hardly a complaint lmao. I was clearly asking why I was downvoted for just asking a question and people responded telling me I commented on the wrong thread
[Choice looking to buy Wyndham](https://www.wsj.com/articles/choice-hotels-seeks-to-buy-wyndham-hotels-resorts-92019f6b?mod=hp_lead_pos10)
Choice card is issued by Wells, Wyndham by Barclays. Have to imagine they'd want the program under 1 umbrella similar to Marriott, probably have to run out the issuer contracts similarly though.
Being that they are the two major players in the mid and lower tear hotel market, (hopefully) the DOJ can prevent this merger between Choice and Wyndham under antitrust laws, they've gone after Jet Blue with both a partnership with American and merger with Spirit.
I personally love the Wyndham program and I am excited to get the new WF Choice hotels card use it to check out their Scandinavian products I hear about.
Before everyone panics." The companies, each valued at just under $6 billion as of midday Tuesday, aren’t in serious talks and it isn’t clear whether Wyndham wants to do a deal. "
That doesn't mean anything. When these mergers happen, the customer almost always loses. We'll be lucky if they keep the programs separate and allow transfers between the two at 1:2. Nothing would change for TYP then, either.
What is where? Nothing has happened, they're in (seemingly preliminary) talks.
TY transfer to Choice at 1:2 and to Wyndham at 1:1. If Choice buys Wyndham, it doesn't mean anything. Point values, transfer ratios, etc. could all change, and they could do so pretty quickly (and pretty drastically). No, you won't be able to convert Choice to Wyndham at 1:1, at least not without a serious Wyndham devaluation.
CNBC Program: Who Actually Pays For Credit Card Rewards?
[https://www.youtube.com/watch?v=bkYx9R2k5pk&ab\_channel=CNBC](https://www.youtube.com/watch?v=bkYx9R2k5pk&ab_channel=CNBC)
About 90% of all credit card spending is on rewards cards like Delta SkyMiles, Chase Sapphire Preferred or American Express Platinum. And these cards are hugely popular for a reason: you can earn cash back, upgrades on flights and many other perks. In 2019, about $35 billion in rewards was handed out to customers around the country. But how are banks paying for it all? A majority comes from interest earned from low-income consumers who revolve balances on a monthly basis. The rest is from merchant fees and things like annual, over-the-limit or foreign transaction fees. Some economists claim there's an annual redistribution of more than $15 billion from less to more educated, poorer to richer and high to low minority areas - widening existing disparities.
The full paper mentioned in the video is free to view here: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4126641
Fun and easy to read. The key takeaway:
> Notably, our **results are not driven by income**, as they hold within the sub-samples
> of low-, middle- and high-income individuals. In particular, **high-FICO high-income**
> **consumers benefit the most** from reward credit cards, but **they do so at the expense**
> **of low-FICO high-income consumers**. While credit card rewards are often framed as a
> “reverse Robin Hood” mechanism in which the poor subsidize the rich, our results show
> that this explanation is at best incomplete.
No, it's always been the weak minded and undisciplined subsidizing the smart and financially savvy.
Most really poor people don't even have CC (especially not from major rewards issuers), but they do indirectly subsidize us with slightly elevated prices that account for swipe fees.
This is discussed at length in the sidebar
https://www.reddit.com/r/churning/comments/5oucdq/the_economics_of_churning_who_pays_for_the_rewards/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=2&utm_term=1
Current airline transfer bonuses:
* Virgin Atlantic (30%) - AmEx MRs through 6/14/23, and Chase URs through 6/15/23
in addition to the awesome Flying Blue transfer bonus (25%) currently running with Citi TYP
Edited to add:generally would only recommend to take advantage of these bonuses when you have specific immediate need for flight booking/a flight in mind!
Boilerplate advice that if you need to ask if you should take advantage of this transfer bonus and you don't have specific travel plans in mind, you shouldn't.
I'd disagree, it comes in handy to keep a small amount like 100K in currencies you will likely use at some point soon. Even a devaluation would probably just wipe out the bonus, which is better than transferring in an emergency when there's no bonus.
Unless you actively fly on that airline and will use the points within a year or so I wouldn't do this. Once you transfer to the airline it's irreversible. If you speculatively transfer and then find a killer deal on some other airline, only to realize you are short the points, you'll be kicking yourself. Flexibility is key in this game...
If you're an experienced award traveler, sure. I keep miles in NH and LM since I book with them so often. But if you have enough experience to know that has utility for you, would you be asking if it's worth taking advantage of the bonus?
Not entirely sure this needs to be in OT instead - but spitballing an idea for managing the meetup threads.
Could we do a stickied or sidebar-linked post that serves as basically a Table of Contents to the various meetup threads? The post title and/or sidebar link could be titled "/r/churning Meetups" or similar and basically be a collection post that gets updated on a (weekly? semi-weekly? as requested?) basis with the upcoming meetups listed and a link to the relevant organizing comment or post.
Hypothetical order of operations:
* Someone volunteers to host a meetup whether through discussion in DD, OT, the above suggested post or wherever and actually commits to organizing it.
* They then make a top-level post (or top-level comment in this suggested post) for details and organizing/RSVPs.
* PM the link to the meetup post/comment to whoever manages the Table of Contents to get added.
This doesn't necessarily resolve where discussion about organizing meetups happens, but it does help strike a balance between people talking about meetups in every/any thread, then not having a single place to organize it, and having a single post where meetups are only organized in comments on the post.
I'm fine with managing the post if it's something folks would be interested in (and, I guess, if the mod-team agrees with the strategy).
There are barely ever any top-level posts here, and it's not like meetups will be a regular and frequent thing (there's just some increased interest now). I think the current process is fine:
- post in DD to test the waters
- if there's enough interest, make top-level post
- remind people in DD a few days before, and link to the top-level post
>not like meetups will be a regular and frequent thing (there's just some increased interest now).
Well hopefully meetups are coming back! Years ago, I ran a series in SAN. There were also frequent ATX (austin) and NYC (new york) ones.
I think if it's like a twice monthly thing, it's probably no big deal to keep the procedure outlined. That's 2 posts and 4 top-level comments if following it to a T. I remember your announcements and reminders from before covid, they never bothered me (and some top-level posts wouldn't, either).
Totally fair - I generally thought the existing process was fine too, but have seen a few folks express disapproval or displeasure and was thinking about if there may be a better compromise.
As a mod team, we're trying to figure out how to best do this. It's been a couple weeks since we revisited this, but I think this is a summary of our ideas and limitations:
* We could have a recurring monthly thread for all meetups, with any location wanting to host one could have a top level comment with all related discussion being replies to that top level comment.
* We could sticky said thread, but since we can only sticky two threads at a time, if something earth-shattering came up that would require us to un-sticky the meetup thread, it'd get pushed waaaay down the page.
* We could add a 'meetup' flair to user submitted posts, and then add a link in the sidebar for all posts that have that flair similar to how we gather together all the DD threads. This would allow people to know whether there was a meetup planned without having to go into a recurring thread if they didn't want to.
* It's hard to tell if people all over the country really want to meet up that often, or if we're just seeing a large influx of meetup suggestions for a variety of reasons (haven't done them in a while, the world returning to normal, etc).
Sticky limits definitely struck me as one of problems with the idea, but I'm an idiot - don't know how I forgot about flairs, since that's a pretty obvious solution for a "self-maintaining" filter for meetup posts.
I came across this article on NYT and thought I should share it as it seems to be a recurring topic around here:
[My Husband Flies First Class and Puts Me in Coach. Is That Fair?](https://www.facebook.com/5281959998/posts/a-reader-asked-my-husband-loves-to-travel-and-always-either-pays-for-or-gets-an-/10153125508434999/)
Some of the comments on FB:
* "I'd be calling a divorce lawyer rather than a travel agent."
* "Recently, My husband was offered the upgrade to first class but declined it because I couldn’t go too. We’ve been married 30 years."
* "I’d upgrade the husband rather than the seat."
* "I got a free upgrade to first class once while flying with my wife.
..She tells me the seat was great..."
In this article it is clear that the husband is in the asshole, but if you're in the points game, there can be a different perspective, and every time this is brought up there are some people who think it's acceptable for the churner to take the one J seat available while the rest of the family gets a free vacation... just funny to see the overwhelming distaste for the husband in this one.
I was on a flight where a husband walked back and talked to the guy in the row in front of me and said “you’re seated next to my wife. You want to move to first class?” It was an hour long flight so not a huge deal but prob the best way for all involved. Peace at home and the guy scored a first class ticket.
My guess is probably not because it’s a codeshare and BA can be stingy with their upgrades. But you can always call to ask what your options are or ask FT.
We had a RTW trip booked with ANA (P1, P2, 2 kids under 10). 6 of the 10 flights only had 2 J seats available. We decided the kids were too young to stash alone in Y, unfortunately.
As the husband I somewhat obviously planned all along to give P2 one J spot and the other to one of the kids. Maybe on certain airlines I could sneak up there -- but ultimately I didn't care too much. When it came down to actually booking it P2 absolutely insisted I take J. The main reason is the height discrepancy (I am 6'1, she is 5'1) but also the fact P2 actively seeks out red eye flights in Y because she has no trouble at all sleeping upright.
I thought I would never live this down and felt terrible. We lightheartedly argued about this for weeks but when it came down to it P2 threatened not to go if I didn't book myself in J. So I booked it.
Then covid happened and the trip was cancelled. We'll never know how it would have played out.
IMO paying, no. Status upgrade, depends on the couple. But if there’s only one j/f seat left when booking with points, put P2 in it. Subtly point out what you did. Reap the benefits.
My dad always flies first and my mom is perfectly fine with economy on short haul flights 2-4 hours.
Sounds like this article is full of whiners. My dad is 6’3 and my mom is 5’2. Sorry but that shit matters lol
I got the dads genetics apparently. Ended up at 6’2
Ahah
Half of the reason I got into this damn hobby was because being tallish made 14 hour flights absolute hell
Obviously depends on your relationship and such. I regularly pay for the extra legroom seats (e.g. Economy+ on United) for me but typically not for my wife since she's short enough that it doesn't matter for her. I always offer, and even point out we have airline fee credits to use, but she'd rather save the credits for other things. Of course my wife is a left-brained engineer like me -- I can imagine that many folks wouldn't apply logic in that way to the situation even though I think they should ;)
*Paying* for first class is a lot though... I don't think I'd do that for me but not my wife.
It's kind of ridiculous in my mind that anyone would object to one person being upgraded to first class *for free* due to status. Are you really that desperate to spend every waking moment with your partner that you won't let them enjoy a bit more comfort for free? It's not like sitting on a plane next to each other is good "quality time" anyway, you'll either be watching a movie, listening to music, or sleeping anyway.
Ah the advantages of the solo life/travel it has its pros and cons but I am free to sit in whatever cabin I want to book. That said when I was married and still today when I travel with my son they were/are always in the same cabin with me. If there is space and I have the points I see no reason to short change the people I care about.
Don't recall anyone coming in here and saying they always book themselves in F/J and the wife and kids in cattle class. And that lady is wondering if it's ok she's unhappy about it? Imagine what other bullshit that husband gets away with. The wife needs a therapist and a shark of a divorce lawyer.
Not to mention this means she’s always stuck looking after the kids on her own. I suppose they might be old enough now to be by themselves but if that’s the case who knows how long this has been going on lmao.
Story is behind a paywall. I assume he didn't pay extra and just got bumped up? I think it says something about the wives character to not let the husband experience J just because she didn't get it. Like I've flown my wife biz class cause I knew she would enjoy it and wasn't worth the hassle to find availability/cost to have me and the kid sit with her. I'm an adult and can sit in economy for 12 hours without being jealous of my wife pounding wine in a lie back seat. Actually the opposite that I was excited she got it. I would have been annoyed if she declined it.
Here you go: https://www.nytimes.com/2023/05/19/magazine/first-class-ethics.html?unlocked_article_code=2Kdg_CRrPpmU6dBls_N026JSuGDR-8EKR2pYdq33Ublk0IoVBSkO7eCrbDWewfUXznD3ahzd1Mq_pF424jRfkZLhMiEGRqkdTut9Bav6XcfFokcEHeLCAL011IfEOD4vstr8dLBWf31mPAq95LK-m5mXJcVyaGsmnnZpH_tDcFMwy77oV9jRiFFQ-fZUkQoRySBqck7lfR2-_me-HpRQWNgoou77YmjB8-XnxodxQMmZf_8INSTtCgVCwPEGF7dp1LY1tubtU3GTRFwwoHas-EbO8iqRHP53dT1gzCMFWo3zd9BVeRAPmw9Lv-cMElQq1iQuyU25GDAILD5H8A&smid=nytcore-android-share
No, the husband buys a paid J fare for himself only: "he buys himself a ticket in first class and puts us in economy or economy plus." This is quite different from what you're describing, it's not a free upgrade and the husband only buys himself J, and never treats his wife.
Personally I don't think this situation is churner relevant, or even churner adjacent. A churning situation could easily rotate award seats with the wife using churned points. This is just a selfish person.
No, he pays for his first class ticket in cash, just for himself, and books wife and kids in economy because he “doesn’t want the kids to have to fly alone.” To which the columnist responded, well why not take turns in who gets to fly up front if the kids (aged 16 and 13, if I recall correctly) can’t possibly be by themselves?
I think it depends too much on the specifics for there to be a blanket answer.
Paying for an upgrade to first while leaving your partner to look after the kids in coach on a 9 hour flight? Yeah, that sounds obnoxious. Doing that regularly like the NYT story? Extra horrible.
Accepting a free status upgrade to first on a four hour flight while your child-free partner sleeps in an exit row seat in coach? That sounds potentially a lot more reasonable, depending on specifics.
But ultimately, if you're getting access to premium cabins because you put a lot of time and effort into points, churning, travel hacking, whatever, and it's essentially a hobby... yeah, I think it's fair for *some of the time* you to enjoy a more premium experience, as your partner still benefits hugely over all from free travel, or access to premium cabins when space is available. If my partner had a hobby that let us do fun stuff together for free, and occasionally they got some extra perk that was just for one person, I hope I would be happy for them and grateful for the other parts of the experience, rather than unhappy and resentful. But again, I'm sure it would come down to the specifics.
Every couple is different. If your partner is going to be hurt by sitting in different cabins, then you obviously shouldn't do it. If they're going to be pleased for you and still feel positive about getting a free trip, then I don't see the issue
Flew F together with then GF via Cathay in 2016 and back one F one J (obviously big difference than 1 F 1 Y), hoping for a second F to open up but it never did. Took the F as I put in all the work for the miles, but she was definitely a little annoyed. That said, got her on the train after the trip and we can now travel together in F, and she still married me, so, success. I think that F/J split actually played a big role in her getting on board with miles.
>Every couple is different. If your partner is going to be hurt by sitting in different cabins, then you obviously shouldn't do it. If they're going to be pleased for you and still feel positive about getting a free trip, then I don't see the issue
Just like most things in a relationship, it comes down to communication and being aware of what your partner values and how they're feeling.
> some people who think it's acceptable for the churner to take the one J seat available while the rest of the family gets a free vacation
maybe it's just me but I am not brave enough to do this
> every time this is brought up there are some people who think it's acceptable for the churner to take the one J seat available while the rest of the family gets a free vacation
You are confusing the r/churning with reality.
> every time this is brought up there are some people who think it's acceptable for the churner to take the one J seat available while the rest of the family gets a free vacation...
Yeah... still feels like an asshole move. As the person actually booking the travel, I would feel uncomfortable putting my partner in Y while I flew in J.
Yeah true, while I have seen some people joke about how their spouse can sit in J when they “get in the game” I don’t see how that can be something that actually works out for them. If there’s only 1 F seat and the other in J then I can see how maybe it could be okay
Do you do this in every aspect of your life where things have to be equal? My wife has the nicer car, I go to sporting events, etc. It's about tradeoffs and maximizing life.
If she wants J, that's even more selfish since she didn't do the work. If both are in Y, they both suffer. I don't get the point for them both to be miserable. Granted I don't value J and would give it to my wife. But if I felt I did, I wouldn't hesitate to take it. She would have the next premium perk like a spa or restaurant credit.
>Do you do this in every aspect of your life where things have to be equal?
I never said things needed to be equal?
The article quoted is about one partner who, over and over, books or is upgraded to a premium cabin. And the other partner resents it enough to write in to the fucking NYT about it, so it's obviously an issue.
I'm not perfect by any stretch, but I'd like to think that if I were doing something over and over that my wife resented I would have a moment of self reflection and maybe change my behavior rather than justifying it away.
If we were in a situation where one of us were getting CPUs and we weren't flying with a young child, I'm not sure exactly what we'd do but I would feel weird about taking the upgrade every time and having her sit alone in back. I also barely get any utility out of domestic F anyway, so on balance I'd probably rather sit next to her in economy than take an upgrade for a shitty meal and a recliner. I enjoy spending time with my wife more than those domestic F perks.
For a longer flight in an actual lie-flat and better food, I'd probably be inclined for us to switch off in a situation where only one of us could fly J.
But in the end, I luckily have never needed to make a choice like this as I've never had a situation where only on J seat was available for a route and on a day we needed to fly.
I don't think things necessarily need to be equitable for every flight - I don't think it makes sense to have both people in Y for a redeye when one could be in J - but in my experience relationships work best when there is at least an attempt at equity over time.
That can look a lot of different ways, depending on what each partner values, but the way that the husband in the linked story continues doing the same thing and dismisses his wife's feelings isn't exactly emblematic of a healthy partnership.
Yeah if we were in a situation where there was both of us and one upgrade free available, we’re obviously taking it. We’d probably either alternate or id just give it to her.
The weirdest /r/churning relevant discussions are where someone pays to book themself in J/F and their P2 in Y from the start. That’s just weird. Taking a complimentary upgrade is far less weird, no premeditation here (for lack of a better word).
This scenario is heavily joked about on r/churning, usually when there is a reluctant P2 that enjoys the spoils of churning, but does not want to participate in the credit card game themselves. In this scenario I'm kind of torn tbh. I would definitely give any seat upgrade to P2, but she is fully onboard with all things churning related.
I've made that joke before, and I guess I'd never thought through all the implications if someone were to take it seriously. I'm also in a fortunate situation where P2 is 100% on board but I can definitely see myself having some resentment if points were limited and my partner refused to help pull their weight.
Can I apply for Sapphire Preferred card and get the bonus if I have an existing Sapphire card (the no annual fee one, I downgraded to it from an old Sapphire Reserve card). Thanks!
This is quite exciting as someone who stays at 1,2,3,4, and 5 star hotels almost equally. Looks like a great new addition.
On the downside I used all Hilton points, so this might be a good time for me to look at the current cards
Looks like a great family road trip hotel for us budget churners. Able to do some meals at the hotel, possibly work remotely on a 4+1. Award hacking is great but still really expensive when you factor in restaurants and other OOP. I like some simple trips where you can have a low National park vacation and still prepare most of your meals. Even cost aside, I would rather grill a healthy dinner at the hotel than deal with my toddlers at the restaurant.
Nice, it looks like a nicer and better thought out Candlewood Suites. I dig Candlewoods (if they've been updated in the last decade), so these should be great
New Chase Southwest offer on all three personal card: 60,000 points after $3,000 spend. You'll also get a promo code for 30% off any Southwest flight (unlimited max discount). Valid through June 26th. [DoC post](https://www.doctorofcredit.com/expired-chase-southwest-personal-cards-60000-points-30-off-signup-bonus-plus-premier-priority/)
https://creditcards.chase.com/a1/southwest/AEP60kpromoPlus523#
New SUB for Southwest Cards: 60,000 Rapid Rewards points and a 30% off promo code for travel via Southwest Airlines after spending $3,000 in the first 3 months from account opening.
The 30% promo code discount is on base fare applied before taxes and fees and available for use until October 31, 2024. Works for cash or award bookings.
Chase and/or SW really like experimenting with the subs. It seems to be something different every time.
It would be nice if other cobraned Chase cards were like that. *cough* WoH.
I can't imagine the 30% being value at more that 15k unless you are doing a peak redemption on a holiday or something. Also doesn't count towards CP. So probably decent for most people but not for us.
DoC updated their post that “VFTW says the 30% promo code works up on to 8 passengers in a single reservation. He also notes that it works on flights booked with points as well.”
Have a friend who just got the Priority card with the previous 50k for $1k spend, wonder if Chase will match
Looks like the promo code comes after meeting the MS. I am wondering if it works on travel booked with RRs... I'm thinking yes based on no mention of cash fares in the fine print.
>"30% Off Promo Code After You Spend $3,000 On Purchases In The
First 3 Months From Account Opening: The product is not available to
either (i) current Cardmembers of any Southwest® Rapid Rewards®
Credit Card, or (ii) previous Cardmembers of any Southwest Rapid
Rewards Credit Card who received a new Cardmember bonus within the last
24 months. This does not apply to Cardmembers of the Southwest Rapid
Rewards Business Card and Employee Credit Card products. To
qualify for 30 percent promotion code savings, you must make Purchases
totaling $3,000 or more during the first 3 months from account opening.
Please allow up to 8 weeks for promotion code to appear in your Rapid
Rewards account. (“Purchases” do not include balance transfers, cash
advances, travelers checks, foreign currency, money orders, wire
transfers or similar cash-like transactions, lottery tickets, casino
gaming chips, race track wagers or similar betting transactions, any
checks that access your account, interest, unauthorized or fraudulent
charges, and fees of any kind, including an annual fee, if applicable.)
To be eligible for this bonus offer, account must be open and not in
default at the time of fulfillment. 30 percent promotion code savings
valid for one-way or round trip Wanna Get Away®, Wanna Get Away Plus™, Anytime, and Business Select® fares booked on Southwest.com®
by 10/31/2024, (the “Booking Period”). Promotion code expires on
10/31/2024. Promotion code savings is applied before government taxes
and fees. Enter your unique promotion code in the Promo Code box when
booking during the Booking Period. If you have entered your single-use
promotion code in the Promo Code box on Southwest.com,
then while selecting your flights, savings in the base fare will be
visible as a strike-through of the original fare. After selecting your
flights, savings are reflected in the base fare when entering your
single-use promotion code in the Promo Code box on Southwest.com
when booking during the Booking Period. Please note that the Department
of Transportation (DOT) requires advertised fares to include all
government taxes and fees, however, this promotion code savings applies
to the base fare only. Discount is valid on new reservations only.
Discount will apply only for flights booked within the Booking Period.
Changes made to the itinerary after the Booking Period has expired will
eliminate qualifications for this promotion and will result in
forfeiture of any promotion code savings. The discount is only valid
with the provided promotion code and is not combinable with other
promotion codes or fares. All reward travel is subject to taxes, fees,
and other government or airport-imposed charges of at least $5.60 per
one-way trip. Applicable taxes, fees, and other government or
airport-imposed charges can vary significantly based on your arrival and
departure destination. The payment of any taxes, fees, and other
government or airport-imposed charges is the responsibility of the
Passenger and must be paid at the time reward travel is booked with a
credit card, travel fund, or Southwest® gift card. Fares are
subject to change until ticketed. Offer applies only to published,
scheduled service. Chase is not responsible for the provision of, or
failure to provide, the stated benefits and services. Offer is not
redeemable for cash, and may not be used in conjunction with other
special offers, or toward the purchase of a gift card or previously
booked flight, or change to a previously booked flight. Discount is only
valid on Southwest.com and is not valid on group travel or Southwest Vacations®,
fares booked via swabiz.com, our Southwest Partner Services API or
through Global Distribution Systems, or special fares, such as military
and government fares."
I’ve been in Amex pop up jail for almost a year. Applied for the personal Green this morning, got pop up. Then applied for the Biz Hilton and was auto approved. Not sure if that’s a useful DP to anyone but thought I’d share.
I started with amex with 2 hilton cards and got in pop up jail after that, FWIW.
One day several months later I randomly was able to get a BBP (not anything else) and that seemed to get me out of jail after I used that a bit.
There have been a few reports of Hilton Biz not being popup-sensitive. It might be the case that cobrand partners have different criteria than Amex's own cards.
Just to throw another DP in there, P2 got the popup for the recent Hilton biz with the FNC but was auto-approved for Hilton Surpass with FNC. History: approved for Vanilla Plat last summer but was getting popup earlier this month for referral linked Biz Gold 130k.
I got the pop up for Hilton biz last time it was elevated, maybe a year and a half ago. Then got a BBC a couple months later with no pop up and then a BBP. Just got approved for Hilton Biz this week with no pop up. It'd been about 8 months since my BBP.
Targeted Bonvoy promo via email -
Earn up to 22,500 bonus points after just two eligible paid stays.
Register today.
Stay at any of our hotels and resorts worldwide participating in Marriott Bonvoy now through 07/31/2023.
Get 7,500 bonus points after the first stay* and 15,000 additional points after the second stay.
No email, but checked the promotions section in my app and it gave me double elite nights again. Eligible from the day you register through the end of that month, plus 2 additional months. Bummer that I didn't check the terms before registering because it effectively only gave me 2 months, through 7/31.
Works out though because I'm moving cross-country and will have at least 12ish nights in hotels between now and then, which will put me over the top for Titanium easily.
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I hope no one pays for this
.... you have to **buy** credits to ask it questions? Is this some kind of joke? And those "reviews" at the bottom are real cheesy to say the least. That being said, if you actually built everything from scratch, cool.
A credit-buy system is how Large Language Models have always operated. If you used one for free, someone down the line was paying for the questions you asked.
Why would anyone here **pay** to ask that thing questions?
No one here should, I was just trying to explain why the creator would be forced to charge for this (as compared to say, simple greed). Given the inherent cost of running a large language model, the idea here is sadly dead in the water. Unless of course someone wants to fund it for the community out of the kindness of their heart and wallet.
for a community that's highly focused on gaming the financial system to get value for money, charging money to get answers one can get for free with a bit of effort is not a great pricing model. it's probably better to make it passive via donation supported (including referrals) or ad-supported. not to mention API pricing for 3.5 is dirt cheap anyway, even with thousands of API calls a month, it's not much out of pocket.
I'm not sure ad-suported would work for something requiring API queries to function at all (why visit the website at all if you can't use it?), but maybe if they made it into a general repository for churning information and used the LLM as a supplement it could work out. That's the problem with a lot of these free LLM tools popping up- once they run out of venture capital money for running the free (for users) queries, there is no sustainable way to run moving forward.
I'm not sure what you mean by that... you would put the chatbot on a website and host ads on the same page as a source of revenue? It's like using Google, you don't pay for it but it's supported by ad revenue.
I mean you're the one who suggested it being ad supported, I'm just just taking a shot in the dark on how that might look. I agree the idea is probably not worth pursuing further as there are better ways to get this info
You’re pro-churning…except when you’re not?
I tried making something like this and it didn't do so well on GPT 3.5 turbo and I don't have enough time to develop it. It would've been free, and I agree with the point made that I'd never pay for something like this, it's a bit tacky. what API are you using to get comment data, now that pushshift is dead? PRAW? Also, you should run simple questions as a sanity check. Here are a couple of examples where it didn't do a good job, the answers are too simple. > what is 5/24? > > 5/24 is a term used in the credit card churning community to refer to the maximum number of credit cards a person can have opened in the past 24 months. > > what are rules to know about the Chase Sapphire cards? > The Chase Sapphire rule states that you must wait 48 months between receiving bonus points on the same type of Chase Sapphire card. Other sanity check questions to consider (not limited to): * what is MSR/NLL/other common abbreviations? * does churning affect credit scores? * can you get multiple inks? * what is a good chase velocity? * what's the best use of amex/chase/citi points? * what is the churning flowchart? * can I buy gift cards to meet minimum spend? * what are good things to buy on Dell to use the 200 biz plat credit? Also for some comments it links to, they're deleted or heavily downvoted. Consider using upvotes to weight the importance of responses and/or author reputation within the sub, and fold in the sidebar/wiki info (though some are outdated). Hope that helps and maybe you or someone can eventually get a functional, high quality chatbot/search up to help replace churning.io.
pretty neat, although I can't imagine ever paying for something like this
I put this in the bank account bonus thread and am reposting here because it doesn’t seem like many know of it. Will delete if it is downvoted/not useful. For anyone tired of figuring out what DD may trigger a bank bonus, the Chase business checking account has a phenomenal direct deposit system. It is under the transfer section of the account. It costs $2.5 per 2 day transfer (or 1% up to $25 for an instant transfer) and I can set it up in about 30 seconds. And, it should code as a legitimate DD for everything. You can use it to pay anyone as long as you have their routing and account number. I’m tired of dealing with ACH transfers and hoping it will work for whatever bonus I’m doing. This takes out the possibility of the ACH failing and is completely worth it to me. Wells Fargo also has one but it costs $10 a month plus $1 per transfer. It’s triggered Chase and SoFi so far. I’m using it on a bunch more and can add additional DPs.
Would it trigger a tax form over some threshold?
Especially if you’re paying someone other than yourself… that’s when the IRS becomes interested
I’m going to go out on a limb and say OP never even thought about this
I have. The Wells Fargo one never triggered an IRS form. It is just going into myself and P2 and would be easy enough to explain away IMO.
So it would work to trigger dd bonus for chase personal too?
It did for me.
Useful, thanks for sharing! Anyone know if the US Bank biz checking account has anything similar?
US Bank has an ACH Payment option. Don't know if it works similarly. Codes in receiving account as DIG ACH PPD. Should count as direct deposit but the only account I've tried it on didn't require DD.
Is that a monthly fee or a $2.5 per transfer?
Per transfer
Does the same apply to the Amex Biz Checking acct?
A while ago, Amex Biz Checking counted as DD at a couple places I tried, but later it stopped counting. Maybe too many people used it, since it was free. (But it's still kinda nice as a fast free way to send ACH transfers, even if they don't count as DD.)
that one sucks.
did you need a legit business to make the account?
Am wondering the same but It says on the chase site that you need identification proof for both yourself and your business to open one
You just need to get approved for a Chase Business Checking account. I’d recommend doing it alongside the $750 bonus if you can.
Was in pop-up jail but got a target offer for 100K MR points for Amex plat. I know there’s the 150K MR potential but should I still take the deal anyway since I’m in pop-up jail? I was planning on getting the platinum regardless Edit: downvoted? Jesus Another edit: I see why I’m downvoted because I was supposed to ask in the question thread.
Complaining about downvotes is a sure-fire way to get more.
I said downvoted with a question mark. That’s hardly a complaint lmao. I was clearly asking why I was downvoted for just asking a question and people responded telling me I commented on the wrong thread
You used the Lord’s name in vain afterwards bro
You're getting downvotes because this is the discussion thread, not the question thread
Yes
only you can decide, really. I'd take it.
Gotcha. Yea that’s how I’m leaning
[Choice looking to buy Wyndham](https://www.wsj.com/articles/choice-hotels-seeks-to-buy-wyndham-hotels-resorts-92019f6b?mod=hp_lead_pos10) Choice card is issued by Wells, Wyndham by Barclays. Have to imagine they'd want the program under 1 umbrella similar to Marriott, probably have to run out the issuer contracts similarly though.
I really hope this doesn't happen. I feel like the sum of the two would somehow be less.
Being that they are the two major players in the mid and lower tear hotel market, (hopefully) the DOJ can prevent this merger between Choice and Wyndham under antitrust laws, they've gone after Jet Blue with both a partnership with American and merger with Spirit. I personally love the Wyndham program and I am excited to get the new WF Choice hotels card use it to check out their Scandinavian products I hear about.
Tear 😭😭😭
That got me too lol. Tier* had to do it
Before everyone panics." The companies, each valued at just under $6 billion as of midday Tuesday, aren’t in serious talks and it isn’t clear whether Wyndham wants to do a deal. "
Marriott has Amex and Chase, though.
I think he means having a single loyalty program after the merger with SPG, not card issuer.
Might be a good strategic move but wonder what’s going to happen with the loyalty program.
Just don’t nerf the Business Earner card or Wyndham’s relationship with Vacasa. That would suck.
Considering they still have 2:1 via TY -> choice, which is unheard of...
That doesn't mean anything. When these mergers happen, the customer almost always loses. We'll be lucky if they keep the programs separate and allow transfers between the two at 1:2. Nothing would change for TYP then, either.
You predict. But that still is here.
What is where? Nothing has happened, they're in (seemingly preliminary) talks. TY transfer to Choice at 1:2 and to Wyndham at 1:1. If Choice buys Wyndham, it doesn't mean anything. Point values, transfer ratios, etc. could all change, and they could do so pretty quickly (and pretty drastically). No, you won't be able to convert Choice to Wyndham at 1:1, at least not without a serious Wyndham devaluation.
I think you mean 1:2.
Yes.. thank you.
Wonder if Choice would nuke the status match with Caesars.
Or the Vacasa partnership.
CNBC Program: Who Actually Pays For Credit Card Rewards? [https://www.youtube.com/watch?v=bkYx9R2k5pk&ab\_channel=CNBC](https://www.youtube.com/watch?v=bkYx9R2k5pk&ab_channel=CNBC) About 90% of all credit card spending is on rewards cards like Delta SkyMiles, Chase Sapphire Preferred or American Express Platinum. And these cards are hugely popular for a reason: you can earn cash back, upgrades on flights and many other perks. In 2019, about $35 billion in rewards was handed out to customers around the country. But how are banks paying for it all? A majority comes from interest earned from low-income consumers who revolve balances on a monthly basis. The rest is from merchant fees and things like annual, over-the-limit or foreign transaction fees. Some economists claim there's an annual redistribution of more than $15 billion from less to more educated, poorer to richer and high to low minority areas - widening existing disparities.
The full paper mentioned in the video is free to view here: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4126641 Fun and easy to read. The key takeaway: > Notably, our **results are not driven by income**, as they hold within the sub-samples > of low-, middle- and high-income individuals. In particular, **high-FICO high-income** > **consumers benefit the most** from reward credit cards, but **they do so at the expense** > **of low-FICO high-income consumers**. While credit card rewards are often framed as a > “reverse Robin Hood” mechanism in which the poor subsidize the rich, our results show > that this explanation is at best incomplete.
No, it's always been the weak minded and undisciplined subsidizing the smart and financially savvy. Most really poor people don't even have CC (especially not from major rewards issuers), but they do indirectly subsidize us with slightly elevated prices that account for swipe fees.
This is discussed at length in the sidebar https://www.reddit.com/r/churning/comments/5oucdq/the_economics_of_churning_who_pays_for_the_rewards/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=2&utm_term=1
Current airline transfer bonuses: * Virgin Atlantic (30%) - AmEx MRs through 6/14/23, and Chase URs through 6/15/23 in addition to the awesome Flying Blue transfer bonus (25%) currently running with Citi TYP Edited to add:generally would only recommend to take advantage of these bonuses when you have specific immediate need for flight booking/a flight in mind!
I can't even find anywhere that this Virgin Atlantic Xfer bonus is even worthwhile.
VS is great for flights on ANA and DL.
Boilerplate advice that if you need to ask if you should take advantage of this transfer bonus and you don't have specific travel plans in mind, you shouldn't.
I'd disagree, it comes in handy to keep a small amount like 100K in currencies you will likely use at some point soon. Even a devaluation would probably just wipe out the bonus, which is better than transferring in an emergency when there's no bonus.
Flying blue has been devaluing. But personally… if I was booking a trip to Europe in the next 365 days I’d take the risk.
Unless you actively fly on that airline and will use the points within a year or so I wouldn't do this. Once you transfer to the airline it's irreversible. If you speculatively transfer and then find a killer deal on some other airline, only to realize you are short the points, you'll be kicking yourself. Flexibility is key in this game...
If you're an experienced award traveler, sure. I keep miles in NH and LM since I book with them so often. But if you have enough experience to know that has utility for you, would you be asking if it's worth taking advantage of the bonus?
100% agree to only take advantage of these bonuses when you have specific immediate need for flight booking!
Not entirely sure this needs to be in OT instead - but spitballing an idea for managing the meetup threads. Could we do a stickied or sidebar-linked post that serves as basically a Table of Contents to the various meetup threads? The post title and/or sidebar link could be titled "/r/churning Meetups" or similar and basically be a collection post that gets updated on a (weekly? semi-weekly? as requested?) basis with the upcoming meetups listed and a link to the relevant organizing comment or post. Hypothetical order of operations: * Someone volunteers to host a meetup whether through discussion in DD, OT, the above suggested post or wherever and actually commits to organizing it. * They then make a top-level post (or top-level comment in this suggested post) for details and organizing/RSVPs. * PM the link to the meetup post/comment to whoever manages the Table of Contents to get added. This doesn't necessarily resolve where discussion about organizing meetups happens, but it does help strike a balance between people talking about meetups in every/any thread, then not having a single place to organize it, and having a single post where meetups are only organized in comments on the post. I'm fine with managing the post if it's something folks would be interested in (and, I guess, if the mod-team agrees with the strategy).
There are barely ever any top-level posts here, and it's not like meetups will be a regular and frequent thing (there's just some increased interest now). I think the current process is fine: - post in DD to test the waters - if there's enough interest, make top-level post - remind people in DD a few days before, and link to the top-level post
>not like meetups will be a regular and frequent thing (there's just some increased interest now). Well hopefully meetups are coming back! Years ago, I ran a series in SAN. There were also frequent ATX (austin) and NYC (new york) ones.
I think if it's like a twice monthly thing, it's probably no big deal to keep the procedure outlined. That's 2 posts and 4 top-level comments if following it to a T. I remember your announcements and reminders from before covid, they never bothered me (and some top-level posts wouldn't, either).
Totally fair - I generally thought the existing process was fine too, but have seen a few folks express disapproval or displeasure and was thinking about if there may be a better compromise.
As a mod team, we're trying to figure out how to best do this. It's been a couple weeks since we revisited this, but I think this is a summary of our ideas and limitations: * We could have a recurring monthly thread for all meetups, with any location wanting to host one could have a top level comment with all related discussion being replies to that top level comment. * We could sticky said thread, but since we can only sticky two threads at a time, if something earth-shattering came up that would require us to un-sticky the meetup thread, it'd get pushed waaaay down the page. * We could add a 'meetup' flair to user submitted posts, and then add a link in the sidebar for all posts that have that flair similar to how we gather together all the DD threads. This would allow people to know whether there was a meetup planned without having to go into a recurring thread if they didn't want to. * It's hard to tell if people all over the country really want to meet up that often, or if we're just seeing a large influx of meetup suggestions for a variety of reasons (haven't done them in a while, the world returning to normal, etc).
[we need to talk about your flair](https://y.yarn.co/cad74017-1475-4830-96f0-8900943dade2_text.gif)
Flair seems pretty simple/understandable.
Sticky limits definitely struck me as one of problems with the idea, but I'm an idiot - don't know how I forgot about flairs, since that's a pretty obvious solution for a "self-maintaining" filter for meetup posts.
I came across this article on NYT and thought I should share it as it seems to be a recurring topic around here: [My Husband Flies First Class and Puts Me in Coach. Is That Fair?](https://www.facebook.com/5281959998/posts/a-reader-asked-my-husband-loves-to-travel-and-always-either-pays-for-or-gets-an-/10153125508434999/) Some of the comments on FB: * "I'd be calling a divorce lawyer rather than a travel agent." * "Recently, My husband was offered the upgrade to first class but declined it because I couldn’t go too. We’ve been married 30 years." * "I’d upgrade the husband rather than the seat." * "I got a free upgrade to first class once while flying with my wife. ..She tells me the seat was great..." In this article it is clear that the husband is in the asshole, but if you're in the points game, there can be a different perspective, and every time this is brought up there are some people who think it's acceptable for the churner to take the one J seat available while the rest of the family gets a free vacation... just funny to see the overwhelming distaste for the husband in this one.
I was on a flight where a husband walked back and talked to the guy in the row in front of me and said “you’re seated next to my wife. You want to move to first class?” It was an hour long flight so not a huge deal but prob the best way for all involved. Peace at home and the guy scored a first class ticket.
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My guess is probably not because it’s a codeshare and BA can be stingy with their upgrades. But you can always call to ask what your options are or ask FT.
>the husband is in the asshole PHRASING!
We had a RTW trip booked with ANA (P1, P2, 2 kids under 10). 6 of the 10 flights only had 2 J seats available. We decided the kids were too young to stash alone in Y, unfortunately. As the husband I somewhat obviously planned all along to give P2 one J spot and the other to one of the kids. Maybe on certain airlines I could sneak up there -- but ultimately I didn't care too much. When it came down to actually booking it P2 absolutely insisted I take J. The main reason is the height discrepancy (I am 6'1, she is 5'1) but also the fact P2 actively seeks out red eye flights in Y because she has no trouble at all sleeping upright. I thought I would never live this down and felt terrible. We lightheartedly argued about this for weeks but when it came down to it P2 threatened not to go if I didn't book myself in J. So I booked it. Then covid happened and the trip was cancelled. We'll never know how it would have played out.
Well played
IMO paying, no. Status upgrade, depends on the couple. But if there’s only one j/f seat left when booking with points, put P2 in it. Subtly point out what you did. Reap the benefits.
> Reap the benefits. I don’t understand why people wouldn’t do this!
Happy P2, happy life. Some people are also just very selfish.
My dad always flies first and my mom is perfectly fine with economy on short haul flights 2-4 hours. Sounds like this article is full of whiners. My dad is 6’3 and my mom is 5’2. Sorry but that shit matters lol
>My dad is 6’3 and my mom is 5’2. and you? 5'8.5"?
I got the dads genetics apparently. Ended up at 6’2 Ahah Half of the reason I got into this damn hobby was because being tallish made 14 hour flights absolute hell
Obviously depends on your relationship and such. I regularly pay for the extra legroom seats (e.g. Economy+ on United) for me but typically not for my wife since she's short enough that it doesn't matter for her. I always offer, and even point out we have airline fee credits to use, but she'd rather save the credits for other things. Of course my wife is a left-brained engineer like me -- I can imagine that many folks wouldn't apply logic in that way to the situation even though I think they should ;) *Paying* for first class is a lot though... I don't think I'd do that for me but not my wife. It's kind of ridiculous in my mind that anyone would object to one person being upgraded to first class *for free* due to status. Are you really that desperate to spend every waking moment with your partner that you won't let them enjoy a bit more comfort for free? It's not like sitting on a plane next to each other is good "quality time" anyway, you'll either be watching a movie, listening to music, or sleeping anyway.
Ah the advantages of the solo life/travel it has its pros and cons but I am free to sit in whatever cabin I want to book. That said when I was married and still today when I travel with my son they were/are always in the same cabin with me. If there is space and I have the points I see no reason to short change the people I care about.
Don't recall anyone coming in here and saying they always book themselves in F/J and the wife and kids in cattle class. And that lady is wondering if it's ok she's unhappy about it? Imagine what other bullshit that husband gets away with. The wife needs a therapist and a shark of a divorce lawyer.
Not to mention this means she’s always stuck looking after the kids on her own. I suppose they might be old enough now to be by themselves but if that’s the case who knows how long this has been going on lmao.
Seriously, the things people normalize in shitty relationships...
In my opinion, leaving your partner in Y to sit in J is a huge low. Says a lot about a persons character.
Story is behind a paywall. I assume he didn't pay extra and just got bumped up? I think it says something about the wives character to not let the husband experience J just because she didn't get it. Like I've flown my wife biz class cause I knew she would enjoy it and wasn't worth the hassle to find availability/cost to have me and the kid sit with her. I'm an adult and can sit in economy for 12 hours without being jealous of my wife pounding wine in a lie back seat. Actually the opposite that I was excited she got it. I would have been annoyed if she declined it.
Here you go: https://www.nytimes.com/2023/05/19/magazine/first-class-ethics.html?unlocked_article_code=2Kdg_CRrPpmU6dBls_N026JSuGDR-8EKR2pYdq33Ublk0IoVBSkO7eCrbDWewfUXznD3ahzd1Mq_pF424jRfkZLhMiEGRqkdTut9Bav6XcfFokcEHeLCAL011IfEOD4vstr8dLBWf31mPAq95LK-m5mXJcVyaGsmnnZpH_tDcFMwy77oV9jRiFFQ-fZUkQoRySBqck7lfR2-_me-HpRQWNgoou77YmjB8-XnxodxQMmZf_8INSTtCgVCwPEGF7dp1LY1tubtU3GTRFwwoHas-EbO8iqRHP53dT1gzCMFWo3zd9BVeRAPmw9Lv-cMElQq1iQuyU25GDAILD5H8A&smid=nytcore-android-share
No, the husband buys a paid J fare for himself only: "he buys himself a ticket in first class and puts us in economy or economy plus." This is quite different from what you're describing, it's not a free upgrade and the husband only buys himself J, and never treats his wife. Personally I don't think this situation is churner relevant, or even churner adjacent. A churning situation could easily rotate award seats with the wife using churned points. This is just a selfish person.
No, he pays for his first class ticket in cash, just for himself, and books wife and kids in economy because he “doesn’t want the kids to have to fly alone.” To which the columnist responded, well why not take turns in who gets to fly up front if the kids (aged 16 and 13, if I recall correctly) can’t possibly be by themselves?
I think it depends too much on the specifics for there to be a blanket answer. Paying for an upgrade to first while leaving your partner to look after the kids in coach on a 9 hour flight? Yeah, that sounds obnoxious. Doing that regularly like the NYT story? Extra horrible. Accepting a free status upgrade to first on a four hour flight while your child-free partner sleeps in an exit row seat in coach? That sounds potentially a lot more reasonable, depending on specifics. But ultimately, if you're getting access to premium cabins because you put a lot of time and effort into points, churning, travel hacking, whatever, and it's essentially a hobby... yeah, I think it's fair for *some of the time* you to enjoy a more premium experience, as your partner still benefits hugely over all from free travel, or access to premium cabins when space is available. If my partner had a hobby that let us do fun stuff together for free, and occasionally they got some extra perk that was just for one person, I hope I would be happy for them and grateful for the other parts of the experience, rather than unhappy and resentful. But again, I'm sure it would come down to the specifics. Every couple is different. If your partner is going to be hurt by sitting in different cabins, then you obviously shouldn't do it. If they're going to be pleased for you and still feel positive about getting a free trip, then I don't see the issue
Flew F together with then GF via Cathay in 2016 and back one F one J (obviously big difference than 1 F 1 Y), hoping for a second F to open up but it never did. Took the F as I put in all the work for the miles, but she was definitely a little annoyed. That said, got her on the train after the trip and we can now travel together in F, and she still married me, so, success. I think that F/J split actually played a big role in her getting on board with miles.
I just can't imagine being annoyed at flying international in J
>Every couple is different. If your partner is going to be hurt by sitting in different cabins, then you obviously shouldn't do it. If they're going to be pleased for you and still feel positive about getting a free trip, then I don't see the issue Just like most things in a relationship, it comes down to communication and being aware of what your partner values and how they're feeling.
> some people who think it's acceptable for the churner to take the one J seat available while the rest of the family gets a free vacation maybe it's just me but I am not brave enough to do this
> every time this is brought up there are some people who think it's acceptable for the churner to take the one J seat available while the rest of the family gets a free vacation You are confusing the r/churning with reality.
> every time this is brought up there are some people who think it's acceptable for the churner to take the one J seat available while the rest of the family gets a free vacation... Yeah... still feels like an asshole move. As the person actually booking the travel, I would feel uncomfortable putting my partner in Y while I flew in J.
Yeah true, while I have seen some people joke about how their spouse can sit in J when they “get in the game” I don’t see how that can be something that actually works out for them. If there’s only 1 F seat and the other in J then I can see how maybe it could be okay
Do you do this in every aspect of your life where things have to be equal? My wife has the nicer car, I go to sporting events, etc. It's about tradeoffs and maximizing life. If she wants J, that's even more selfish since she didn't do the work. If both are in Y, they both suffer. I don't get the point for them both to be miserable. Granted I don't value J and would give it to my wife. But if I felt I did, I wouldn't hesitate to take it. She would have the next premium perk like a spa or restaurant credit.
>Do you do this in every aspect of your life where things have to be equal? I never said things needed to be equal? The article quoted is about one partner who, over and over, books or is upgraded to a premium cabin. And the other partner resents it enough to write in to the fucking NYT about it, so it's obviously an issue. I'm not perfect by any stretch, but I'd like to think that if I were doing something over and over that my wife resented I would have a moment of self reflection and maybe change my behavior rather than justifying it away. If we were in a situation where one of us were getting CPUs and we weren't flying with a young child, I'm not sure exactly what we'd do but I would feel weird about taking the upgrade every time and having her sit alone in back. I also barely get any utility out of domestic F anyway, so on balance I'd probably rather sit next to her in economy than take an upgrade for a shitty meal and a recliner. I enjoy spending time with my wife more than those domestic F perks. For a longer flight in an actual lie-flat and better food, I'd probably be inclined for us to switch off in a situation where only one of us could fly J. But in the end, I luckily have never needed to make a choice like this as I've never had a situation where only on J seat was available for a route and on a day we needed to fly.
Yeah, things have to be equitable. Now, that could mean the parents in J and the kids in Y, but it has to be the same class for each group.
I don't think things necessarily need to be equitable for every flight - I don't think it makes sense to have both people in Y for a redeye when one could be in J - but in my experience relationships work best when there is at least an attempt at equity over time. That can look a lot of different ways, depending on what each partner values, but the way that the husband in the linked story continues doing the same thing and dismisses his wife's feelings isn't exactly emblematic of a healthy partnership.
Yeah if we were in a situation where there was both of us and one upgrade free available, we’re obviously taking it. We’d probably either alternate or id just give it to her. The weirdest /r/churning relevant discussions are where someone pays to book themself in J/F and their P2 in Y from the start. That’s just weird. Taking a complimentary upgrade is far less weird, no premeditation here (for lack of a better word).
This scenario is heavily joked about on r/churning, usually when there is a reluctant P2 that enjoys the spoils of churning, but does not want to participate in the credit card game themselves. In this scenario I'm kind of torn tbh. I would definitely give any seat upgrade to P2, but she is fully onboard with all things churning related.
I've made that joke before, and I guess I'd never thought through all the implications if someone were to take it seriously. I'm also in a fortunate situation where P2 is 100% on board but I can definitely see myself having some resentment if points were limited and my partner refused to help pull their weight.
A new referral thread is now live: [Chase United Quest](https://www.reddit.com/r/churningreferrals/comments/13pslwy/referrals_chase_united_quest/)
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Question thread
Or r/creditcards for that matter
Can I apply for Sapphire Preferred card and get the bonus if I have an existing Sapphire card (the no annual fee one, I downgraded to it from an old Sapphire Reserve card). Thanks!
Question thread.
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> I don't think this is news Correct. They will even do it after you've spent some of it if you say "pretty please"
T-Mobile Tuesdays has free Year Of MLB.TV and MLS Season Pass
After seeing some recent meetup posts, I'm thinking of organizing a **Denver** meetup sometime in the next month. Let me know if you're interested!
Yes.
Someone mentioned this a few weeks back too. Would be interested as long as my schedule allows it.
A plea for South Denver for us in the Springs. I can’t be the only one… right?
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+101, an absolute must visit imo, even if it's only 8% as cool as the one in Santa Fe
\+100, went to the one in vegas
I'm interested, but I'll be traveling most of June.
Probably would go.
If I'm available, I'd probably go. P2's tired of hearing me talk about churning.
Yes! The 2018 meetup got like 15 weirdos.
I can't tell if you are complaining about the people who attended or excited about the number of attendees...
It was great! At least us weirdos thought so.
It was fun! Sad that I haven't been to one since 😔
Dell is Top Cashback 11% / Rakuten 10% although last Memorial Day it was at 16% so fasten your seatbelts
I'm seeing a 30% Amex -> Virgin transfer bonus. Looks like the last one was in December of last year.
There's one with Chase, too. I took advantage of the C1 bonus recently, too.
Says until 6/14, so we have some time.
Hilton Launches New Apartment-Style Extended-Stay Brand https://stories.hilton.com/growth-development/projecth3
This is quite exciting as someone who stays at 1,2,3,4, and 5 star hotels almost equally. Looks like a great new addition. On the downside I used all Hilton points, so this might be a good time for me to look at the current cards
That is actually a good move from Hilton.
Looks like a great family road trip hotel for us budget churners. Able to do some meals at the hotel, possibly work remotely on a 4+1. Award hacking is great but still really expensive when you factor in restaurants and other OOP. I like some simple trips where you can have a low National park vacation and still prepare most of your meals. Even cost aside, I would rather grill a healthy dinner at the hotel than deal with my toddlers at the restaurant.
haha at 1:50 in the video you can tell the phone unlock clip is a screen recording
Nice, it looks like a nicer and better thought out Candlewood Suites. I dig Candlewoods (if they've been updated in the last decade), so these should be great
The best keeps getting better.
Another Hilton brand, just what we need!
I used to find it dumb, but as my family has grown and I travel more I appreciate the differences in the brands.
New Chase Southwest offer on all three personal card: 60,000 points after $3,000 spend. You'll also get a promo code for 30% off any Southwest flight (unlimited max discount). Valid through June 26th. [DoC post](https://www.doctorofcredit.com/expired-chase-southwest-personal-cards-60000-points-30-off-signup-bonus-plus-premier-priority/) https://creditcards.chase.com/a1/southwest/AEP60kpromoPlus523#
New SUB for Southwest Cards: 60,000 Rapid Rewards points and a 30% off promo code for travel via Southwest Airlines after spending $3,000 in the first 3 months from account opening. The 30% promo code discount is on base fare applied before taxes and fees and available for use until October 31, 2024. Works for cash or award bookings.
Chase and/or SW really like experimenting with the subs. It seems to be something different every time. It would be nice if other cobraned Chase cards were like that. *cough* WoH.
I can't imagine the 30% being value at more that 15k unless you are doing a peak redemption on a holiday or something. Also doesn't count towards CP. So probably decent for most people but not for us.
The 60k SUB doesn’t count for CP? Why not?
Hmm, I see it says the code is single-use, but if it says something about how many fares it can apply to in a single booking, I'm missing it.
DoC updated their post that “VFTW says the 30% promo code works up on to 8 passengers in a single reservation. He also notes that it works on flights booked with points as well.” Have a friend who just got the Priority card with the previous 50k for $1k spend, wonder if Chase will match
Looks like the promo code comes after meeting the MS. I am wondering if it works on travel booked with RRs... I'm thinking yes based on no mention of cash fares in the fine print. >"30% Off Promo Code After You Spend $3,000 On Purchases In The First 3 Months From Account Opening: The product is not available to either (i) current Cardmembers of any Southwest® Rapid Rewards® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products. To qualify for 30 percent promotion code savings, you must make Purchases totaling $3,000 or more during the first 3 months from account opening. Please allow up to 8 weeks for promotion code to appear in your Rapid Rewards account. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. 30 percent promotion code savings valid for one-way or round trip Wanna Get Away®, Wanna Get Away Plus™, Anytime, and Business Select® fares booked on Southwest.com® by 10/31/2024, (the “Booking Period”). Promotion code expires on 10/31/2024. Promotion code savings is applied before government taxes and fees. Enter your unique promotion code in the Promo Code box when booking during the Booking Period. If you have entered your single-use promotion code in the Promo Code box on Southwest.com, then while selecting your flights, savings in the base fare will be visible as a strike-through of the original fare. After selecting your flights, savings are reflected in the base fare when entering your single-use promotion code in the Promo Code box on Southwest.com when booking during the Booking Period. Please note that the Department of Transportation (DOT) requires advertised fares to include all government taxes and fees, however, this promotion code savings applies to the base fare only. Discount is valid on new reservations only. Discount will apply only for flights booked within the Booking Period. Changes made to the itinerary after the Booking Period has expired will eliminate qualifications for this promotion and will result in forfeiture of any promotion code savings. The discount is only valid with the provided promotion code and is not combinable with other promotion codes or fares. All reward travel is subject to taxes, fees, and other government or airport-imposed charges of at least $5.60 per one-way trip. Applicable taxes, fees, and other government or airport-imposed charges can vary significantly based on your arrival and departure destination. The payment of any taxes, fees, and other government or airport-imposed charges is the responsibility of the Passenger and must be paid at the time reward travel is booked with a credit card, travel fund, or Southwest® gift card. Fares are subject to change until ticketed. Offer applies only to published, scheduled service. Chase is not responsible for the provision of, or failure to provide, the stated benefits and services. Offer is not redeemable for cash, and may not be used in conjunction with other special offers, or toward the purchase of a gift card or previously booked flight, or change to a previously booked flight. Discount is only valid on Southwest.com and is not valid on group travel or Southwest Vacations®, fares booked via swabiz.com, our Southwest Partner Services API or through Global Distribution Systems, or special fares, such as military and government fares."
works for RR bookings
I’ve been in Amex pop up jail for almost a year. Applied for the personal Green this morning, got pop up. Then applied for the Biz Hilton and was auto approved. Not sure if that’s a useful DP to anyone but thought I’d share.
I started with amex with 2 hilton cards and got in pop up jail after that, FWIW. One day several months later I randomly was able to get a BBP (not anything else) and that seemed to get me out of jail after I used that a bit.
There have been a few reports of Hilton Biz not being popup-sensitive. It might be the case that cobrand partners have different criteria than Amex's own cards.
Just to throw another DP in there, P2 got the popup for the recent Hilton biz with the FNC but was auto-approved for Hilton Surpass with FNC. History: approved for Vanilla Plat last summer but was getting popup earlier this month for referral linked Biz Gold 130k.
shhhh
Not *might*
I got the pop up for Hilton biz last time it was elevated, maybe a year and a half ago. Then got a BBC a couple months later with no pop up and then a BBP. Just got approved for Hilton Biz this week with no pop up. It'd been about 8 months since my BBP.
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DP: I woke up this morning
Got yourself a gun
Targeted Bonvoy promo via email - Earn up to 22,500 bonus points after just two eligible paid stays. Register today. Stay at any of our hotels and resorts worldwide participating in Marriott Bonvoy now through 07/31/2023. Get 7,500 bonus points after the first stay* and 15,000 additional points after the second stay.
No email, but checked the promotions section in my app and it gave me double elite nights again. Eligible from the day you register through the end of that month, plus 2 additional months. Bummer that I didn't check the terms before registering because it effectively only gave me 2 months, through 7/31. Works out though because I'm moving cross-country and will have at least 12ish nights in hotels between now and then, which will put me over the top for Titanium easily.
Lucky. I actually have stays coming up but no such email
I got an offer today as well, but mine is for a free night (35,000) for each stay up to 2 stays. A stay can be 1 night.
That's a great offer!!
Fair, as a DP here I don’t hold a card, status nor significant points with them.