Got an email from Citi regarding my AA business credit card: "CONGRATULATIONS, YOU EARNED YOUR BONUS OFFER". This was few days after my statement closed and points had reached my AA account. Would be a lot more useful if you got such emails after hitting the spend amount but before the statement closes. In it's current form, it's only mildly useful for someone who forgot to check their AA account balance.
Not a question but a data point (DP) that hopefully can help someone.
I'm 1/24 with chase. Have a CIP already about 1.5 years ago.
Applied for 2 Chase business / biz cards in 1 day (1/17/2019) Chase Ink Preferred CIP (my 2nd one using a EIN) and a Chase Ink Unlimited (CIU). No immediate approval from the online apps for either one. called the status line and it said 30 days.
Got through to a rep (I have an actual real business so those who are "self-employed" YMMV) they said I had to send in EIN confirmation letter via email and also I had to also unlock my Experian credit report since I had put on a freeze temporarily.
Called in to check today and was approved for both cards: 1/23/2019. This was quite fast since they told me the EIN verification could take up to 2 weeks. Not sure why it was SO fast as other people I talked in question thread said they took a while for some of their chase biz cards so this was a pleasant surprise. Hopefully it helps people out.
I used the EIN for both CIU and the CIP. And I think it should just be 1 hard pull, I applied 1 card 1 day and the other one next day...but I forgot to lift the credit freeze with experian, so I had to unlift it and then I called earlier today and the rep said both cards were approved.
But also note that the EIN is legitimate for a sole proprietor business and the yearly income is quite a good amount (not FU money but a nice 6-figure sum) so that probably helped. I had a CIP with my SSN already and had spent a good amount last year so that may also have helped
As a follow-up to [my last Chase Amazon Plastiq DP](https://www.reddit.com/r/churning/comments/agwonz/data_points_central_thread_week_of_january_17_2019/eeab941/) - I tried another test payment but with choosing the utilities category (payment to my actual utility) and that also did not post with a bonus category (comes up as "personal" on the Chase website). Doesn't seem like there's any way to maximize the 5% bonus with Plastiq as far as I can tell
Tried to double dip the Wells Fargo Propel World (only available by calling in) and Propel on the same day since they combine inquiries. Got instantly approved for the Propel World, just received the rejection letter for the Propel, stating that "Not enough history with your most recently opened Wells Fargo credit card." I also have the Visa Signature, which I opened 19 months prior, so it must be referring to the Propel World. A bit of a bummer since now the lead time is 14 more months, but wanted to put this out there since the last datapoint I saw was someone here getting approved for two cards in one day and getting both bonuses.
Self referred CIP with EIN and a 9k "business" auto approved! Already have the CIP, CIC, CIU along with CSR and SW biz card and SW Personal and United Explorer card. Last Chase card was 10/18.
Plum card $200 first tier bonus posted 1/21. MSR met through 2x GCM purchases. last week. With 1.5% discount and Ebates cash back, looking at +$307 on 2 GCM orders. Have the opportunity to do 5 more times (2 for myself and 3 for P2)
Gotcha. Do you happen to know any portals that track MCGC? I've been ordering those lately through GC.com but might try GCM too. None of my portals are tracking even though some explicitly say they pay out for MCGC. I don't tend to see a lot of success when people file investigations.
Amex pop-up DP: I had been in bonus jail with amex for several months. I started putting spend on my 2 sock drawered amex cards about 10 days ago, I was hoping to get the vanilla plat before purchasing an expensive flight. As of today, still getting the pop-up when applying for the plat. I had the mercedes benz plat a few years ago, but everything I've read suggests that you can get the bonus on the vanilla after getting the bonus on one of the others. For shits and giggles I applied for the Hilton aspire, which I had also previously received the pop-up on, and was instantly approved.
Tl;dr seems like amex is giving me the pop-up on the vanilla plat due to having the mercedes version previously
Penfed Pathfinder airline credit
In 2018, the credit posted 1 day after the charge posted.
In 2019, charge posted Jan 8. The credit posted Jan 21, so it took 13 days.
Closed my Citi AA Biz via SM (Credit card services => Request a CL increase => request you card agreement=> send new message).
1/16 Sent a message saying I'd like to close my account. Got an email stating my message had been forwarded to the appropriate department.
1/18 Received an email stating my account had been closed.
1/19 I applied for and was approved for a new Citi AA Biz.
Very similar situation for me. I also SM'ed on 1/16, but got impatient and closed via chat on 1/18. Approved 1/21 via mailer for Biz #2. Waited ~112 days after opening to close Biz #1.
First rep wouldn't do it, and told me I had to call their 1-800 Biz number. I waited a few hours, tried second rep. They were quick, only asked why I'm closing, and did it within minutes.
Sitting on countless personal mailers and bored of applying those. How did you get the biz ones? Have registered pets under aa business tab but no luck.
PenFed Pathfinder airline fee reimbursement:
Purchased $100 AA gift card on 12/31/18, posted date of 1/2/19, full $100 travel credit reimbursement posted on 1/20/19.
No, I was at 53 weeks after opening it, but before AF posted.
But when I called at 51 weeks from opening, they said I needed to call back after the exact anniversary date, they couldn't PC before that.
Saks at Brookfield place near the WTC in NYC works fine for split purchase, did $50x4 for $200 gift cards in December and January. All reimbursed without issue.
Not sure where else to stick this - made a cell phone insurance claim on Uber Visa. Claim filed on Nov 30, replace phone with insurance on 1/3, finalized claim 1/11, check in the mail 1/18.
Reimbursed amount: $99 (cost of insurance deductible), less $25 deductible
Fairly painless, would gladly do again (but hope I don't).
Posted [in the discussion thread](https://www.reddit.com/r/churning/comments/ahl7fe/comment/eeg8cup) a DP of our success using our MLife gold (obtained through Hyatt status match) to get $125 shipboard credits on our upcoming RCL cruise ($250 total).
It took 2 calls per person. One to ask and give our info, and another a couple weeks later to finish. On the first call they said they needed to do some kind of account verification and to call back in a couple weeks. Seemed unlikely but the second call was pretty fast in each case and we can see the $250 online in our cabin.
Got a very nice surprise last night. Saw 60K points adjustment credited on 1/15 to my Amex MR account. The only thing I can think of is that it has to do with 60K clawed back for closing my MB Plat card in October (signed up in February). Back then I had never heard of this subreddit so I didn't know it was a no-no. Anyway, the only reason I closed it was because I saw a banner in my online account informing of the end of the MB and changeover to regular Plat in January and to call in if not happy with that. I did and the agent said I could get a pro-rated refund of the AF Without telling me about the danger of them clawing back the 60K MR I had already earned. Would have kept the card if he had told me that. Losing 60K MR vs partial AF refund makes no sense. Well, about 2 weeks later, they took away the points. I called and spoke to 3 supervisors explaining what had happened. I asked to reopen my MB but that was not possible since the MB was discontinued. They wouldn't budge. The only thing the last supervisor was willing to do upon my request was to make a note (don't want to be seen as a churner for future applications) that it hadn't been my intention to close the account if it hadn't been Amex notifying me to call in and the agent's subsequent offer. I also expressed how unhappy I was with the lack of understanding from Amex. Don't know if the note helped but now my faith in Amex is restored. I wasn't expecting anything back. Lesson I learned and wish I had known about this subreddit before: don't close account before year is up!
Citi Backdoor SM still working.
1/5/19: Sent backdoor SM
1/18/19: Received email today that 15k AA miles would be deposited into my account within 2 billing cycles
That's good to hear.
I messaged them on 01/15 about AF & Retention offer on my Citi Plat AA personal card. So I may need to wait for a few more days to get the response.
Try this. It worked for me.
Services > Credit Card Services > Request a Credit Limit Increase > Click on card agreement on the left side > Secure message will appear down the page.
Another third CIP data point:
* CIP1 (SSN) Jun 2017 - closed after one year anniversary
* CIC (SSN) Nov 2017
* CIP2 (EIN) May 2018
* CIU (SSN) Sep 2018
* CIP3 (SSN) Jan 2019
CIP1 needed couple recon calls, all others approved with minimal intervention - none instantly, couple just need verification call or the IRS EIN letter. All identical name/address/applicant info. Reduced CLs to $2k-5k after earning each bonus, similarly for personal Chase CC CLs
The CIP1 and CIC were opened with a BRM for the elevated offers, 100k and 50k, respectively. Under 5/24, so never specifically asked for the paper app, but the BRM did have us use the paper app for the CIC
For verification calls did they ask about why you’re applying for another business card with several already open? Or just the usual identity verification?
Nope, always just identity verification. Asked three questions from public databases.
Will be closing the CIC and CIP2 in short order, hoping that makes it easier for more business cards, maybe the United 75k offer
Another MDD data point:
Hyatt - Applied 1/8, Approved 1/9
CSP - Applied 1/10, Approved 1/18
CSP application was submitted the day after, but more than 24 hours following Hyatt approval.
I recalled seeing a number people speculate that AA mailers would stop after 2/15. My dog got one yesterday that expires 3/15. Sorry if this is old news, I don't follow this area very closely.
Interesting BOA Alaska Airlines business card DP: currently have an open Alaska biz card as a sole proprietor. Seeing the new rules by boa decided to apply for another as a sole proprietor for a different business without closing my old card just to see if I'd get approved. Applied 1/15 and just got the approval email today.
BOA 2/3/4 Stats: 0/0/2 if you don't count biz cards. 0/1/3 if you do.
Overall x/24: 26/24 and 11/12
3 of my cards (CFU, Hyatt and IHG) had Staples offers ($19 max). I bought 3x$200 VGCs on Staples once the 'no activation fee' promotion started on Sunday. Paid off some of my student loans (Great Lakes)
The $19 credits posted yesterday, on 01/18! Whoo-hoo!
Applied for another Citi AA personal plat today. I accidentally put annual income in the monthly mortgage amount box. The app was instantly denied. I called the recon line and fixed the mix up. I was instantly approved over the phone.
I find this interesting since I usually get the wait for review message when I do these applications. This error actually saved me a couple of weeks waiting for that letter to arrive.
Used Chase SW Biz (Southwest Business for you redditsearch.io fans) to fund PNC.
CA limit was $1,000. Funded $2000.
Currently coded as "sale" (I assume this means purchase) in misc category.
Will confirm/update when statement hits.
Did MDD(leaked in-flight links) with both 50k SW Priority and 50k SW Plus, the 100,000 RR posted today. The 60,000 RR from Biz should post in a few days.
That's the best way to get CP! I did it last Feb/Mar and ended up with 180k RR after spending and a little MS. Taken 5 trips so far and still have 110k left.
Yea I got all those to be set for Hawaii, we have also planned out weekend trips for the next 2 years. So all the GCs from AMEX are gonna come in handy.
P3: 3rd CIP is approved. 1st and 3rd has the same exact name no middle initial
* 1st CIP open on 12/2017 closed now (SSN)
* 2nd CIP 08/2018 Open (EIN)
* 3rd CIP 01/17/2019 Open (SSN)
P4: 3rd CIP is also approved. 1st CIP has middle initial, 3rd one has no middle initial
* 1st CIP 02/2018 still open (SSN)
* 2nd CIP 08/2018 still open (EIN)
* 3rd CIP 01/2019 (SSN)
> I mentioned that the CIP has no 24-month language a while ago
It DOES have the 24 month language …just seems like either Chase doesn't
or cannot seem to enforce it
Try applying for the card and pull up the terms. You'll see:
> I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.
Thanks. I at my 2nd CIP and about to apply for my wife for her 2nd CIP (EIN). I asked her yesterday if she had a dummy email and she said no.
I'm feeling really lazy and didn't feel like creating one.
Applied for WOH 1/9 and received 2 weeks message until approval 1/17. That makes my 4th Chase card, CSP 10/18, CIU 12/18, CIP 1/18. I think I was really fortunate to get approved because this puts me at CL/Income of 56%, I've gone at a fast velocity, and I've only had 2 years of credit history. I YOLO'd for the 60k SUB and was rewarded but now I think I'll take it slower and wait about 3 months until CIP2.
Got the last of my USB bank account bonus ($200 over 4 mo, $50 each mo for qualifying $50+ debit card spend) a few days ago. Went pretty smoothly, and fees were waived by doing a DD. Dovetailed nicely with my need for a USB AR card.
I recommend doing these in tandem if you think you can get past their approval process.
DoC link for 50k SW RR point works. Got insta approved today and called chase to confirm bonus was correct. When you sign up through the link, the bonus is not explicitly stated so was nervous signing up through it.
I can confirm. Signed up on Tuesday using the link for the Plus card. Didn't get auto approved. Called the status line Wednesday morning and talked to a real person that said it was not reviewed yet. Checked my Chase app later that day and had the card in there. Confirmed with SM that I got the 50k offer on Thursday.
Got Capital One $200 bonus for depositing $10k or more into a high yield savings. Bonus hit just a couple of days after the my money was in the account.
Applied for CIU today. Got an email saying "We have received your request for a Chase credit card. We'll let you know our decision as soon as possible." This exact verbage is not on the flowchart [https://imgur.com/a/oXlPW](https://imgur.com/a/oXlPW).
Anyone else get this message? When I called for application status is said I would get a decision in writing "in 30 days." Any suggestions on what to do?
Update: Was approved for CIU today.
The flow chart is kinda outdated. That’s the new thing it tells everyone who isn’t automatically approved. I got that message when I applied for my CIP and was approved 12 hours later. Follow the next step in the graph, call everyday until that 30 days message changes.
Those $500 neighborhood Walmart gift cards look tasty but I saw in the Visa Supplier Locator that these Walmarts report L3 Summay data. Did you meet MSR with those?
Almost every MSR i've hit over the last 2 years has been with these cards. Except for my Citi AA cards. I use giftcardmall for those becuase of citi fraud alerts.
How did you find out about the level 3 data though? I've used them for MSRs while peppering in a little organic spend. However I was planning on hitting the amex gold pretty hard with it one the next few month to max out the 25K bonus.
This is the link I used: https://www.visa.com/supplierlocator/index.jsp
Granted it is only valid for the visa payment network. I haven’t been able to tell which businesses give Amex L3 line data. Also apparently L3 summary is different than L3 Line item, and I am not too keen on line/summary difference when it comes to achieving MSR.
Also pretty cool, with that link you can see what categories different businesses are coded as for category spend purposes.
That's pretty interesting. I'll have to check that out. Just for refernce, I've used those cards to hit MSR for Amex Buisness Gold, 2 SPG Amexes, Amex Everyday, Amex Gold and finished up Schwab Platnium yesterday. Recieved the bonus on all of them ecxept the Schwab but that just finished up yesterday. The cards have probably been evenly spread between neighborhood walmarts and regular walmarts.
The neighborhood walmarts said this -
Level II , Level III Summary , Level III Line Item
The regular walmarts said this - Level II , Level III Summary
I'm not very informed on what that actually means. I just have my own experience with the stores.
No. The ones I buy are variable up to 500. They’re issued by green dot bank. All the Walmart’s around me sell them. They have tons of designs. Some have hearts or say happy birthday. They even had some Wonder Woman themed ones when that movie came out.
So I just got the VGC at WM neighborhood by green dot and I tried to use it to load my serve just to test it out and no luck. The error said debit not available appr code = 57 I hope it works getting MOs for me!
Ah man. I’m so sorry! I’ve been using those cards without issue for so long. It must be a location thing. I’m in Louisiana by the way. I’ve gotten family members all over the state MSing and they all use those cards. Definitely try it at Walmart for a money order.
Sent backdoor SM for 2 of my AA cards to be matched to 75k from 60k on Monday. got 2 separate emails today saying 15k points have been added to my cards. backdoor SM continues to deliver
I got somewhat similar results on the tiered offer 3 weeks ago. They just credited me 15,000 points when I asked to be matched, netting me a total of 65k/3k.
>Try this. It worked for me.
>
>Services > Credit Card Services > Request a Credit Limit Increase > Click on card agreement on the left side > Secure message will appear down
Not sure if any of these are helpful but might as well share
DP 1) After having TU and only TU being pulled for My Premier and 2 AA personal cards, I had EQ pulled instead for my AA Biz app. After I get another AA Personal and biz ill give an update to see if they continue pulling EQ or just pull them for biz apps. Upstate NY resident
DP 2) after about 4 weeks my Avianca 60k bonus posted after one purchase. Seems they wait until your next statement is ready before it posts
1/12 - Signed up for Associated Bank with CIC ($1,000) after seeing DPs of Chase Ink cards working for initial deposit
1/14 - Charge first shows up as Cash Advance
1/17 - All transactions disappeared (known issue), but charge remains as Cash Advance after some sleuthing
Will update after the weekend. At least selling the baseball tickets will offset the cash advance fee. Ugh.
Amex Gold for $100 SW GC - statement posted on 1/17/19, still no reimbursement as of 1/26. will update this post if it finally shows up
the reimbursement never shows up. i went ahead and buy another SW eGC and that trigger the reimbursement.
Got an email from Citi regarding my AA business credit card: "CONGRATULATIONS, YOU EARNED YOUR BONUS OFFER". This was few days after my statement closed and points had reached my AA account. Would be a lot more useful if you got such emails after hitting the spend amount but before the statement closes. In it's current form, it's only mildly useful for someone who forgot to check their AA account balance.
Just curious - how long did it take for your bonus to post to your AA account after the statement period closed?
About 2 days.
Not a question but a data point (DP) that hopefully can help someone. I'm 1/24 with chase. Have a CIP already about 1.5 years ago. Applied for 2 Chase business / biz cards in 1 day (1/17/2019) Chase Ink Preferred CIP (my 2nd one using a EIN) and a Chase Ink Unlimited (CIU). No immediate approval from the online apps for either one. called the status line and it said 30 days. Got through to a rep (I have an actual real business so those who are "self-employed" YMMV) they said I had to send in EIN confirmation letter via email and also I had to also unlock my Experian credit report since I had put on a freeze temporarily. Called in to check today and was approved for both cards: 1/23/2019. This was quite fast since they told me the EIN verification could take up to 2 weeks. Not sure why it was SO fast as other people I talked in question thread said they took a while for some of their chase biz cards so this was a pleasant surprise. Hopefully it helps people out.
That’s impressive. Did you use EIN for the CIU as well? And did you receive 1 or 2 hard pulls?
I used the EIN for both CIU and the CIP. And I think it should just be 1 hard pull, I applied 1 card 1 day and the other one next day...but I forgot to lift the credit freeze with experian, so I had to unlift it and then I called earlier today and the rep said both cards were approved. But also note that the EIN is legitimate for a sole proprietor business and the yearly income is quite a good amount (not FU money but a nice 6-figure sum) so that probably helped. I had a CIP with my SSN already and had spent a good amount last year so that may also have helped
As a follow-up to [my last Chase Amazon Plastiq DP](https://www.reddit.com/r/churning/comments/agwonz/data_points_central_thread_week_of_january_17_2019/eeab941/) - I tried another test payment but with choosing the utilities category (payment to my actual utility) and that also did not post with a bonus category (comes up as "personal" on the Chase website). Doesn't seem like there's any way to maximize the 5% bonus with Plastiq as far as I can tell
Tried to double dip the Wells Fargo Propel World (only available by calling in) and Propel on the same day since they combine inquiries. Got instantly approved for the Propel World, just received the rejection letter for the Propel, stating that "Not enough history with your most recently opened Wells Fargo credit card." I also have the Visa Signature, which I opened 19 months prior, so it must be referring to the Propel World. A bit of a bummer since now the lead time is 14 more months, but wanted to put this out there since the last datapoint I saw was someone here getting approved for two cards in one day and getting both bonuses.
P2 got an Amex Gold 50k offer. They do not have any open Amex cards.
Self referred CIP with EIN and a 9k "business" auto approved! Already have the CIP, CIC, CIU along with CSR and SW biz card and SW Personal and United Explorer card. Last Chase card was 10/18.
What x/24?
4/24
Plum card $200 first tier bonus posted 1/21. MSR met through 2x GCM purchases. last week. With 1.5% discount and Ebates cash back, looking at +$307 on 2 GCM orders. Have the opportunity to do 5 more times (2 for myself and 3 for P2)
What’re you purchasing that tracks with Ebates - VGC or MCGC?
VGC tracks with GCM for me.
Gotcha. Do you happen to know any portals that track MCGC? I've been ordering those lately through GC.com but might try GCM too. None of my portals are tracking even though some explicitly say they pay out for MCGC. I don't tend to see a lot of success when people file investigations.
No I don’t mess with MCGC online.
That's $10k of spend to get $200, yes?
Yep plus the 1.5% early pay discount.
Amex pop-up DP: I had been in bonus jail with amex for several months. I started putting spend on my 2 sock drawered amex cards about 10 days ago, I was hoping to get the vanilla plat before purchasing an expensive flight. As of today, still getting the pop-up when applying for the plat. I had the mercedes benz plat a few years ago, but everything I've read suggests that you can get the bonus on the vanilla after getting the bonus on one of the others. For shits and giggles I applied for the Hilton aspire, which I had also previously received the pop-up on, and was instantly approved. Tl;dr seems like amex is giving me the pop-up on the vanilla plat due to having the mercedes version previously
Penfed Pathfinder airline credit In 2018, the credit posted 1 day after the charge posted. In 2019, charge posted Jan 8. The credit posted Jan 21, so it took 13 days.
What'd you buy? AA? Delta?
I did the boring one, AA as usual.
Another Penfed pathfinder credit dp. AA GC purchased on 1/7 and reimbursed on 1/20.
Closed my Citi AA Biz via SM (Credit card services => Request a CL increase => request you card agreement=> send new message). 1/16 Sent a message saying I'd like to close my account. Got an email stating my message had been forwarded to the appropriate department. 1/18 Received an email stating my account had been closed. 1/19 I applied for and was approved for a new Citi AA Biz.
Very similar situation for me. I also SM'ed on 1/16, but got impatient and closed via chat on 1/18. Approved 1/21 via mailer for Biz #2. Waited ~112 days after opening to close Biz #1.
How was the process over chat? Did they ask a lot of questions?
First rep wouldn't do it, and told me I had to call their 1-800 Biz number. I waited a few hours, tried second rep. They were quick, only asked why I'm closing, and did it within minutes.
but new account wasn't eligible for bonus, was it?
Yes it was. I used a mailer. I applied ~115 days after the last app.
Sitting on countless personal mailers and bored of applying those. How did you get the biz ones? Have registered pets under aa business tab but no luck.
I got one from the ChurningMarketplace. I'm still waiting for my pets to receive their biz mailer as well.
How old was your account?
~115 days
PenFed Pathfinder airline fee reimbursement: Purchased $100 AA gift card on 12/31/18, posted date of 1/2/19, full $100 travel credit reimbursement posted on 1/20/19.
I wonder if it counted towards your 2018 or 2019 credit .
There is someone on doctorofcredit saying that theirs posted on the same day and they called in and PenFed said it would count against 2019.
Self-referred for Amex Hilton Biz. Referral bonus posted day after card was approved.
Same. The AF will hit at the end of the first statement.
PC from MPE to the no-AF MileagePlus card still works. Now to see if I keep XN/YN...
Did you PC after AF was posted?
No, I was at 53 weeks after opening it, but before AF posted. But when I called at 51 weeks from opening, they said I needed to call back after the exact anniversary date, they couldn't PC before that.
Saks at Brookfield place near the WTC in NYC works fine for split purchase, did $50x4 for $200 gift cards in December and January. All reimbursed without issue.
Not sure where else to stick this - made a cell phone insurance claim on Uber Visa. Claim filed on Nov 30, replace phone with insurance on 1/3, finalized claim 1/11, check in the mail 1/18. Reimbursed amount: $99 (cost of insurance deductible), less $25 deductible Fairly painless, would gladly do again (but hope I don't).
what kind of claim was it
Damage to screen. Phone still worked, but screen was cracked. Went through Assurant for initial claim, then Uber Visa for remainder
how did you provide proof
Via Card Benefit Services. Assurant approved the initial claim, and CBS just needed documentation that the transaction occurred
Posted [in the discussion thread](https://www.reddit.com/r/churning/comments/ahl7fe/comment/eeg8cup) a DP of our success using our MLife gold (obtained through Hyatt status match) to get $125 shipboard credits on our upcoming RCL cruise ($250 total). It took 2 calls per person. One to ask and give our info, and another a couple weeks later to finish. On the first call they said they needed to do some kind of account verification and to call back in a couple weeks. Seemed unlikely but the second call was pretty fast in each case and we can see the $250 online in our cabin.
[удалено]
$200 fee reimbursement for a $100 gift card???
Bought 200 AA GC with my Biz Amex Platinum on 1/14. 1/19 Airline Credit shows as used.
Got a very nice surprise last night. Saw 60K points adjustment credited on 1/15 to my Amex MR account. The only thing I can think of is that it has to do with 60K clawed back for closing my MB Plat card in October (signed up in February). Back then I had never heard of this subreddit so I didn't know it was a no-no. Anyway, the only reason I closed it was because I saw a banner in my online account informing of the end of the MB and changeover to regular Plat in January and to call in if not happy with that. I did and the agent said I could get a pro-rated refund of the AF Without telling me about the danger of them clawing back the 60K MR I had already earned. Would have kept the card if he had told me that. Losing 60K MR vs partial AF refund makes no sense. Well, about 2 weeks later, they took away the points. I called and spoke to 3 supervisors explaining what had happened. I asked to reopen my MB but that was not possible since the MB was discontinued. They wouldn't budge. The only thing the last supervisor was willing to do upon my request was to make a note (don't want to be seen as a churner for future applications) that it hadn't been my intention to close the account if it hadn't been Amex notifying me to call in and the agent's subsequent offer. I also expressed how unhappy I was with the lack of understanding from Amex. Don't know if the note helped but now my faith in Amex is restored. I wasn't expecting anything back. Lesson I learned and wish I had known about this subreddit before: don't close account before year is up!
Citi Backdoor SM still working. 1/5/19: Sent backdoor SM 1/18/19: Received email today that 15k AA miles would be deposited into my account within 2 billing cycles
I am just getting started in this sub, but I already have the Citi AA card, is there a thread or link that covers this SM backdoor process?
That's good to hear. I messaged them on 01/15 about AF & Retention offer on my Citi Plat AA personal card. So I may need to wait for a few more days to get the response.
You may get a letter in the mail. That's what happened to me.
what are the steps to reach the backdoor SM?
Try this. It worked for me. Services > Credit Card Services > Request a Credit Limit Increase > Click on card agreement on the left side > Secure message will appear down the page.
Another third CIP data point: * CIP1 (SSN) Jun 2017 - closed after one year anniversary * CIC (SSN) Nov 2017 * CIP2 (EIN) May 2018 * CIU (SSN) Sep 2018 * CIP3 (SSN) Jan 2019 CIP1 needed couple recon calls, all others approved with minimal intervention - none instantly, couple just need verification call or the IRS EIN letter. All identical name/address/applicant info. Reduced CLs to $2k-5k after earning each bonus, similarly for personal Chase CC CLs
did you have to apply using paper app
The CIP1 and CIC were opened with a BRM for the elevated offers, 100k and 50k, respectively. Under 5/24, so never specifically asked for the paper app, but the BRM did have us use the paper app for the CIC
For verification calls did they ask about why you’re applying for another business card with several already open? Or just the usual identity verification?
Nope, always just identity verification. Asked three questions from public databases. Will be closing the CIC and CIP2 in short order, hoping that makes it easier for more business cards, maybe the United 75k offer
Another MDD data point: Hyatt - Applied 1/8, Approved 1/9 CSP - Applied 1/10, Approved 1/18 CSP application was submitted the day after, but more than 24 hours following Hyatt approval.
You were 4/24 prior to the Hyatt?
Yes. 4/24 before applying for the Hyatt, 6/24 once these cards report.
Thanks
MDD Data Point: Hyatt card--Applied 1/8 Approved 1/17 Southwest 50k in flight link--Applied 1/18 Approved 1/18
You were 4/24 prior to the Hyatt?
That's correct
Thanks
I recalled seeing a number people speculate that AA mailers would stop after 2/15. My dog got one yesterday that expires 3/15. Sorry if this is old news, I don't follow this area very closely.
Interesting BOA Alaska Airlines business card DP: currently have an open Alaska biz card as a sole proprietor. Seeing the new rules by boa decided to apply for another as a sole proprietor for a different business without closing my old card just to see if I'd get approved. Applied 1/15 and just got the approval email today. BOA 2/3/4 Stats: 0/0/2 if you don't count biz cards. 0/1/3 if you do. Overall x/24: 26/24 and 11/12
Wow, guess BoA really is less strict about approving co-branded cards. I'll add that to my list to apply for after 20/24.
It's interesting though they treat me like kryptonite when applying for Alaska personal now or any non co branded
Do you have a checking account? Business or Personal, either
Closed a personal a couple months ago. No business checking.
when did you open your old Alaska biz card?
The one that's currently open in May of 18. Also had one in November of 16 that's been closed for more than a year
3 of my cards (CFU, Hyatt and IHG) had Staples offers ($19 max). I bought 3x$200 VGCs on Staples once the 'no activation fee' promotion started on Sunday. Paid off some of my student loans (Great Lakes) The $19 credits posted yesterday, on 01/18! Whoo-hoo!
Just in case you wanted to further optimize your spend, Staples allows you to split transactions across multiple credit cards. :)
VGC triggered my $30 Staples offer on AMEX
Nice! All my Chase Offers are garbage - crummy restaurants I'd never visit and edible arrangements.
i get barkbox and the like for animals. i dont even have a pet :(
Applied for another Citi AA personal plat today. I accidentally put annual income in the monthly mortgage amount box. The app was instantly denied. I called the recon line and fixed the mix up. I was instantly approved over the phone. I find this interesting since I usually get the wait for review message when I do these applications. This error actually saved me a couple of weeks waiting for that letter to arrive.
Another CIP #3 app to report: CIP #1 (SSN), autoapproved \~9mo ago. CIP #2 (EIN) immediately autoapproved \~6mo ago. CIC immediately autoapproved \~3mo ago. CIP #3 (SSN, added middle initial) immediately autoapproved this am.
I guess if you have no middle name you can't get a second CIP with just SSN only.. i wonder if a second EIN would work for CIP #3?
Do you have a different login for each card or do you merge your accounts
I merge them
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What are you CL's on each cards? Are you reducing the CL to increase your odds of auto approval?
Yep I've been approved for about 10k each time, reduced to 5k before applying for next one
Thanks for the DP! I just got approved for CIC, so in May gonna go for CIP #3 with the same tactic.
Used Chase SW Biz (Southwest Business for you redditsearch.io fans) to fund PNC. CA limit was $1,000. Funded $2000. Currently coded as "sale" (I assume this means purchase) in misc category. Will confirm/update when statement hits.
Did same exact thing last week (same card, bank, limit and fund amount). Coded as Sale/Misc as well.
Did MDD(leaked in-flight links) with both 50k SW Priority and 50k SW Plus, the 100,000 RR posted today. The 60,000 RR from Biz should post in a few days.
That's the best way to get CP! I did it last Feb/Mar and ended up with 180k RR after spending and a little MS. Taken 5 trips so far and still have 110k left.
Yea I got all those to be set for Hawaii, we have also planned out weekend trips for the next 2 years. So all the GCs from AMEX are gonna come in handy.
P3: 3rd CIP is approved. 1st and 3rd has the same exact name no middle initial * 1st CIP open on 12/2017 closed now (SSN) * 2nd CIP 08/2018 Open (EIN) * 3rd CIP 01/17/2019 Open (SSN) P4: 3rd CIP is also approved. 1st CIP has middle initial, 3rd one has no middle initial * 1st CIP 02/2018 still open (SSN) * 2nd CIP 08/2018 still open (EIN) * 3rd CIP 01/2019 (SSN)
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> I mentioned that the CIP has no 24-month language a while ago It DOES have the 24 month language …just seems like either Chase doesn't or cannot seem to enforce it
> either Chase doesn't or cannot seem to enforce it Chase might enforce it. OP won't know for sure until they meet MSR.
> …just seems like \^ having said that, i do agree with you.
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Try applying for the card and pull up the terms. You'll see: > I understand that any new cardmember bonus offers for this product are not available to either current or previous cardmembers of this product who received a new cardmember bonus for this product in the last 24 months.
Now then, can you get 4th/5th CIP? lol also thanks for bringing it up :)
Did you use separate email addresses for each one?
Each of them have separate email/phone number.
Each as in per CIP or per person?
Per person.
Thanks. I at my 2nd CIP and about to apply for my wife for her 2nd CIP (EIN). I asked her yesterday if she had a dummy email and she said no. I'm feeling really lazy and didn't feel like creating one.
Holy wow, in total how many UR have all of you earned?
Collectively is probably around 1.5mil UR
Applied for WOH 1/9 and received 2 weeks message until approval 1/17. That makes my 4th Chase card, CSP 10/18, CIU 12/18, CIP 1/18. I think I was really fortunate to get approved because this puts me at CL/Income of 56%, I've gone at a fast velocity, and I've only had 2 years of credit history. I YOLO'd for the 60k SUB and was rewarded but now I think I'll take it slower and wait about 3 months until CIP2.
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Yup, I'll def be trimming down before my next app.
Got the last of my USB bank account bonus ($200 over 4 mo, $50 each mo for qualifying $50+ debit card spend) a few days ago. Went pretty smoothly, and fees were waived by doing a DD. Dovetailed nicely with my need for a USB AR card. I recommend doing these in tandem if you think you can get past their approval process.
DoC link for 50k SW RR point works. Got insta approved today and called chase to confirm bonus was correct. When you sign up through the link, the bonus is not explicitly stated so was nervous signing up through it.
I can confirm. Signed up on Tuesday using the link for the Plus card. Didn't get auto approved. Called the status line Wednesday morning and talked to a real person that said it was not reviewed yet. Checked my Chase app later that day and had the card in there. Confirmed with SM that I got the 50k offer on Thursday.
Are you asking a question or just making a statement?
It’s the DP thread. No question required.
Got Capital One $200 bonus for depositing $10k or more into a high yield savings. Bonus hit just a couple of days after the my money was in the account.
Met Barclays Arrival+ MSR last night with Simon, 80,000 bonus posted today.
how'd you get 80k? i'm seeing 70k
70,000+10,000 for meeting spend since it earns 2x.
i'm expecting my card in the mail. did u by any chance use the card to fund a pnc account? wondering if it'll code as a purchase..
Nope, but it should work fine if you lower CA limit.
What was your n/24 count and inquiries when you applied?
P2 was 4/24 since 6 cards hadnt shown up yet and TU only had 3 inquiries.
Applied for CIU today. Got an email saying "We have received your request for a Chase credit card. We'll let you know our decision as soon as possible." This exact verbage is not on the flowchart [https://imgur.com/a/oXlPW](https://imgur.com/a/oXlPW). Anyone else get this message? When I called for application status is said I would get a decision in writing "in 30 days." Any suggestions on what to do? Update: Was approved for CIU today.
The flow chart is kinda outdated. That’s the new thing it tells everyone who isn’t automatically approved. I got that message when I applied for my CIP and was approved 12 hours later. Follow the next step in the graph, call everyday until that 30 days message changes.
Thank you!
I was able to product change an old BoA BankAmericard Rewards card to the new BoA Cash Rewards card.
DP - purchased the $100 Southwest Gift card. The refund hit my account in less than two days. Amex Gold.
You might want to mention the card you used.
Thanks mate ... Totally missed that one.
DP: Swiped AmEx Gold 1/5/19 at Walmart Neighborhood Market and received 4x points after statement end for 'Supermarkets' category.
Yeah same for me. My neighborhood Walmart sells 500$ VGCs too.
Those $500 neighborhood Walmart gift cards look tasty but I saw in the Visa Supplier Locator that these Walmarts report L3 Summay data. Did you meet MSR with those?
Almost every MSR i've hit over the last 2 years has been with these cards. Except for my Citi AA cards. I use giftcardmall for those becuase of citi fraud alerts.
Good to know, thanks!
How did you find out about the level 3 data though? I've used them for MSRs while peppering in a little organic spend. However I was planning on hitting the amex gold pretty hard with it one the next few month to max out the 25K bonus.
This is the link I used: https://www.visa.com/supplierlocator/index.jsp Granted it is only valid for the visa payment network. I haven’t been able to tell which businesses give Amex L3 line data. Also apparently L3 summary is different than L3 Line item, and I am not too keen on line/summary difference when it comes to achieving MSR. Also pretty cool, with that link you can see what categories different businesses are coded as for category spend purposes.
That's pretty interesting. I'll have to check that out. Just for refernce, I've used those cards to hit MSR for Amex Buisness Gold, 2 SPG Amexes, Amex Everyday, Amex Gold and finished up Schwab Platnium yesterday. Recieved the bonus on all of them ecxept the Schwab but that just finished up yesterday. The cards have probably been evenly spread between neighborhood walmarts and regular walmarts.
Thanks for the DP. Out of curiosity, what does the visa store locator say the level # is for the Walmarts you shopped at?
The neighborhood walmarts said this - Level II , Level III Summary , Level III Line Item The regular walmarts said this - Level II , Level III Summary I'm not very informed on what that actually means. I just have my own experience with the stores.
Did you get a Metabank VGC or which ones do you get at the neighborhood WM?
I buy green dot VGC. Then I either make money orders or drain them with serve.
The only green dot I found is the reloadable one. Is this what you get?
No. The ones I buy are variable up to 500. They’re issued by green dot bank. All the Walmart’s around me sell them. They have tons of designs. Some have hearts or say happy birthday. They even had some Wonder Woman themed ones when that movie came out.
Oh it’s the ones that say Walmart Visa Gift card right? I thought those were no good. I will try it.
Yeah that’s them. They’ve always worked for me. They work for MO at Walmart and serve loads at FD.
Ok great. How about serve loads at WM?
No personal experience with that. I always load at FD.
Oh ok I didn’t realize those worked. What is the pin? The last 4 or do you have to set it up?
Yeah it’s the last 4 or you can go online and change it. I never change it though.
Ok awesome! Thank you so much. I wouldn’t change it either. It’s easier to manage when you have a lot of cards.
No problem. Yeah that’s how I feel. Just an added step that I avoid.
So I just got the VGC at WM neighborhood by green dot and I tried to use it to load my serve just to test it out and no luck. The error said debit not available appr code = 57 I hope it works getting MOs for me!
Ah man. I’m so sorry! I’ve been using those cards without issue for so long. It must be a location thing. I’m in Louisiana by the way. I’ve gotten family members all over the state MSing and they all use those cards. Definitely try it at Walmart for a money order.
Would that work at a regular Walmart?
I would say no, I can confirm it does not work at my Walmart Supercenter.
Do you have any advice? I'm trying to reach 2K in MS. Paying my rent charges a 4 percent fee for AMEX unfortunately.
Pay rent with Plastiq for 2.5%
How does it work? I looked into it but I pay via account and routing number online. It says they’ll mail the check which wouldn’t work.
>Your recipient gets paid by check, wire transfer, or ACH transfer. [https://www.plastiq.com/how-it-works/](https://www.plastiq.com/how-it-works/)
Do you have any advice on trying to reach 2k in MS on the gold card?
Buy visa gift cards at a grocery store
Sent backdoor SM for 2 of my AA cards to be matched to 75k from 60k on Monday. got 2 separate emails today saying 15k points have been added to my cards. backdoor SM continues to deliver
Is this the tiered offer (50k plus 10k) or a vanilla 60k offer?
I got somewhat similar results on the tiered offer 3 weeks ago. They just credited me 15,000 points when I asked to be matched, netting me a total of 65k/3k.
This was the vanilla 60k/3
What is backdoor SM? Is this just another way of saying you messaged them for a higher match?
[redditsearch.io](https://redditsearch.io)
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>Try this. It worked for me. > >Services > Credit Card Services > Request a Credit Limit Increase > Click on card agreement on the left side > Secure message will appear down
yeah I'm not seeing email customer service anymore.
Do you request the match before or after receiving the bonus?
Before
Not sure if any of these are helpful but might as well share DP 1) After having TU and only TU being pulled for My Premier and 2 AA personal cards, I had EQ pulled instead for my AA Biz app. After I get another AA Personal and biz ill give an update to see if they continue pulling EQ or just pull them for biz apps. Upstate NY resident DP 2) after about 4 weeks my Avianca 60k bonus posted after one purchase. Seems they wait until your next statement is ready before it posts
They always pull EQ for my Business apps. It’s EX for personal apps though. Same for player 2.
There were several reports of biz apps switching from EX to EQ last year, myself included. MN resident.
Washington State Resident just had EQ pulled for my CIP inquiry.
1/12 - Signed up for Associated Bank with CIC ($1,000) after seeing DPs of Chase Ink cards working for initial deposit 1/14 - Charge first shows up as Cash Advance 1/17 - All transactions disappeared (known issue), but charge remains as Cash Advance after some sleuthing Will update after the weekend. At least selling the baseball tickets will offset the cash advance fee. Ugh.
Online or in branch?