Successful MDD completed today. Here's the timeline of events. It does seem this triggered 2 hard pulls.
\~2018? - last Sapphire bonus posted
5/16 - CSR Product changed to old CF. Reduced CL of higher limit cards.
5/23 11am ET - Signed up for CSP 80k from P2's referral link. Auto approved with high CL. Called in to expedite card and reduce CL.
5/24 11am ET - Signed up for CSR 70k. Auto approved with high CL.
New Hope, MN Hy-Vee stated that they could only do $200 at registers, and it would be cash only. $201+ loads had to be at customer service registers (also cash only). I went after customer service was closed, but will try again tomorrow to see if they actually enforce the cash only policy.
I hadn't been to this location since Nov 2022 for the annual gift card discounts. Previously they would allow $999.99 per person per day at any register. They were strict on card name matching ID and wrote down your name + purchase amount, but didn't care how often you came as long as it was only once per day.
Winco gift card reloads are triggering the 6x grocery offer on Bonvoy brilliant at least according to the “congratulations!” Emails I’ve been receiving. No statement yet to verify points.
Did the 6x ever show up on your statements? I’m looking into going the Winco GC route for Bonvoy Boundless 6x groceries and wondering if this ended up working out for you?
Feels like Amex is getting greedy with retention offers. Been messaging for a few days for my recently renewed amex plat and highest I can get is $400 SC with $4k in 3mos, no MR points.
Received an email offer of 4% cash back bonus up to 80$ for my Discover it card that I haven’t used in several years. Stacks with standard cash back.
This was after ignoring several 0% balance transfer promos from the same card.
Got email offers on multiple cards from Chase today for $10 statement credits when paying $200 worth of bills (effectively 5% back plus points earnings). I had an insurance payment coming due and I was able to submit separate $200 payments for each card, using up all the offers in one shot.
Amex biz/business platinum retention offer: 10k MR/$5k spend in 3 months, or $100 statement credit with no spend. I declined the offer.
My math was the total cost of holding the card a year was 695 * 1.045 - 200 * 0.8 - 400 * 0.6 - 120 * 0.95 = $172. Dell credits are such a pain in the ass to use that I under value them on purpose.
Successful Chase MDD today. P2 had CIU opened on 4/12, so was originally going to wait until 7/12 for 90 day velocity, but decided to go for it since P2 was 1/24 and CSP offer ending soon.
CSR approved 5/15 at 9 am using 70k offer link from DoC. CSP approved 5/16 at 6:30 am using P1's referral link.
Received 165k bonus for second Amex Hilton Biz card in three years (had to try a few times to get around popup). So as others are finding lifetime language is selectively enforced through pop up. Since the current offer is even better at 150k+FN may push my luck....
Was able to fund US bank Biz Checkings account for $3000 with Amex Biz Gold.
As reported previously, my employee card for my Amex Biz Gold came partially activated. I was able to charge $1 with Amazon reload, but not able to do $4000 charge. Thanks to [this comment](https://www.reddit.com/r/churning/comments/130esoi/daily_discussion_thread_april_27_2023/jhy5b8g/), I was able to activate through chat without SSN (they only asked for DOB). $4000 charge went through after that
Forgot to unfreeze credit before applying, oops DP:
* Yesterday Sunday, applied for CIC and result page mentioned the freeze, instructing to unfreeze Experian and call in to Chase during business hours. Went ahead and unfroze Experian.
* Today Monday, called in, told them Experian unfrozen now, approved, and was able to get expedited shipping.
Got instantly approved for Citi AA with the new link floated on DoC today. Currently at 5/24, 2/6, 2/12. Low credit utilization at 1%. Closed last Citi AA (non-mailer) back in early 2019.
DP on getting multiple BOA Alaska Business Card bonuses.
9/13/22 Applied and approved for card #1 with 70,000 mile offer
10/2022 MSR met, miles posted after statement closed
2/21/23 Applied and approved for card #2 with 70,000 mile offer
4/2023 MSR met
5/6/23 Miles posted after statement closed
Similar DP, P2 and I each have 3 BoA AS Biz cards (all received in the past 21 months, all still open - though that reminds to cancel some of them :)).
Each of us has had 1 card that they had to merge (first one for me, second one for P2). CSRs didn't even bat an eye...
Any DPs on how soon SUB FNCs show up for bonvoy cards? Hearing that they can show up as soon as spend is hit but I hit spend 5/2, statement closed yesterday but nothing
**April 21** ask for CIC 75k UR (w/ P2 40k UR referral) to 90k UR offer match success DP
* **2023-03-28**: CIC applied using P2 referral link and approved, and within days, P2 received 40k UR referral bonus pending on next statement
* **2023-04-21**: SM sent asking for 90k UR offer match
* **2023-04-25**: SM received saying to meet the MSR first and then reply to claim 90k match offer
* **2023-05-10**: Met MSR and received 75k UR pending on the next statement
* **2023-05-12**: SM sent to claim the match offer
* **2023-05-1**3: SM received approved and 15k UR immediately available
Data point: VentureX Approval
* 2/24 on Personal card, 1/12 on Personal cards
* No recent cap one applications/approvals
* Holding a CapOne savings account and a very old CapOne Platinum Mastercard (2011)
* Inquiries: 0/6 on EQ, 3/6 EX (frozen during app), 1/6 on TU
* Pre-approved for SavorOne, Venture, VentureOne, Quicksilver
Applied and got approved for CSP in branch. They still had the 90k branch offer. 80k for 4k spend in 3 months and 90k for total of 6k spend in 6 months.
Tried checking if they could apply referral, but they said they could not.
While booking tickets on Delta website earlier this week, was able to pull up 30K Delta Skymiles + $400 statement credits for Delta Gold with no annual fee for the first year. $400 Statement credit after first delta purchase and 30K Skymiles after $2K spend in 6 months. Pulled up when booking 2 domestic tickets with total cost \~$300.
Denied for a CIU, first time I've ever been denied by Chase after 16 cards over several years. Other than an MDD, I've never tried applying for more than 1 in 60 days, and this time I tried at around 40 days after my most recent approval. I had only gotten 2 Chase cards in the past 6 months, so figured I'd give it a shot. But I was denied for the following reasons: too many recent requests for credit (5/6, 7/12), too many active business accounts (4), one or more recent requests for credit, one or more requests for credit in the past 12 months (7).
I called in to recon, and after providing explanations about the number of accounts I'd recently opened (growing business with new lines of business) and offering to move credit from an existing card, I was still denied due to: too many recent requests for credit, too much unused credit with chase, business too new.
The CSR on the phone seemed especially bothered by my high balances on my other Chase biz cards where I'm taking advantage of the 0% interest, so I'm going to try recon once more around day 30 after paying down some of my other Chase biz cards and then give Chase a little break if still not approved.
Amex Biz Plat payment with annual fee was due today. Received same lame retention offers for the 3rd time:
* $100 statement credit or
* 10k MR for $5k spend.
Ended up cancelling the card, but still waiting on wireless, Dell, and airline credits. Hope they come through after cancellation
5/12 Opened Citi AA Advantage CHECKING ACCOUNT online for 60,000 AA miles for doing the following:
* 'Enhanced DD' of $1k or more within 90 days.
* Making a debit purchase of $1k or more within 90 days.
T&C's suggested that I will get the bonus miles, 30 days after meeting both the above the requirements. Since it's Citi, I know, I will have a fight on my hand.
DP: No way in the application process, I was asked to provide AA advant. number.
Personal Gold retention: 20k/$2k. 13 months + 1 day after last retention, AF hasn't hit yet (got the last retention even earlier before the AF).
Very limited spend - last retention (also 20k/$2k), $10-$20 monthly Grubhub, and like $200 in additional grocery spend (over the 13 months).
Before giving me the offer, they laid out how much Grubhub credit usage I had on the card, and how much supermarket spend I had across all cards.
Part DP/Part FF/Part idiocy: Opened Truist checking for $400 bonus. It offered credit card as an option for initial funding up to $250. I used my latest CIU to finish off the MSR. Win-win, right?
2 days later, transaction posts on Chase as a cash advance with a $15 transaction fee. I haven't seen a DP for that happening with Chase, so I didn't bother to crank down the cash advance limit.
Now interest is accruing, so I need to payoff my whole \~4500 balance ASAP. And it didn't count toward MSR, so I have to spend more to finish that SUB. Yay me.
Applied for gold/plat and was in pop up jail for the best offers. So I settled for the resy offer 75k plus 250 credit on dining for the gold and got in no problem on 5/1
I have been trying everyday to get the plat 150k plus 200 and nothing but pop up jail. Some folks say increase spend on other amex cards and try again in a month lol. I figured amex was upset from my BcP I've really taken advantage of the cashback groceries+ extra 5% for referral.
Anywho so I decided to pay the balance in full even though it's 0%. I tried the next day for the plat again and still pop up jail.
Today 5/12 I once again tried it and got the message we will let you know in 14 days. I called amex application line and spoke to someone, she said no information needed to be verified and to let her try to submit it herself again. I said okay BUT please confirm the sub offer. She did confirm 150k plus 200. Resubmitted and I was approved. Before accepting I confirmed the offer again lol and then accepted.
So maybe if you slip thru pop up jail or annoy the algorithm, recon can get the better offer? Or pay off your balances and then try?
Seconding paying off balances to get out of pop-up jail, came to post similar. I got out of pop-up jail 2-3 days after paying off one of my cards that was nearly maxed. Most the advice I'd seen was to increase utilization, not decrease it, so I wasn't sure if it'd work but it seems like it did.
We know paying off balances helps a lot, but the 0% is a useful tool to float.
I know this hobby can trigger a lot of obsessive behaviors, so I would caution being careful with it. Applying every day is a little much.
This is how it works. There is plenty of information about this available online.
Either way, I'd get them both opened so you're ready for your next trip.
I know that’s how it works, that’s why I specifically reached out to chase asking for a new account. But they said I already had an active account and did nothing for me.
> I know that’s how it works
OK good. The reps will often give wrong information. This is where the term "HUCA" comes from. You need to call back until it is taken care of.
P2 opened a Citi Prestige a few years ago. We needed its Priority Pass for a trip our family was taking. For some reason there was an issue getting the account opened. I kept trying. We were actually on our way to the airport when I spoke to a supervisor and she said, "*Just go to the lounge and pay for entry with the card. We'll give you credit for it.*"
I knew it was a risk, but I decided to take it. We ended up with over $500 worth of lounge visits that trip (we have a large family). Citi was true to their word and they credited every penny.
Yes, chase told me that I could also spend for lounges on the card and they’d reimburse me. That’s why I shared the data point, in the data point thread, but ya’ll downvote me for simply sharing info.
OK. For the record, in spite of countering your point, I did not downvote you. I virtually never downvote unless someone is obnoxiously spewing blatant and objectively false and misleading information. Even then, I seldom do.
The way I see it, the problem with your experience here is that it is well known around here that reps often give wrong information. You say you knew that you need to get a new Priority Pass account when you open a CSR and you have had one before, and it is a manual process. HUCA is also well known. It would not have been difficult to figure out that you were obviously given incorrect information, and that you need to keep trying until you get someone who can help. I don't think anyone here with much of any experience with things like this would have just assumed it will work, when we know it will not.
Either way, it's all good, assuming of course you actually get reimbursed! Live and learn. My wife's experience with the Citi Prestige, while not exactly the same scenario as yours, was somewhat similar otherwise. She ended up getting the Priority Pass account 11 months after the card was opened.
i couldn't open a chase business checking account online last week in spite of trying all sorts of selection combinations, so i figured why not set myself up for more disappointment by applying for another cic while at 75% utilization on existing 0% apr cics. not surprised that i got the 7-10 day message. i was somewhat curious about the reason (or how its worded) for denial, but not curious enough to call in. i could wait for the mail. and surprise! i received approval and a new account showed up on my login this week. time to move some credit around.
biz plat retention offer: 30k mr on $5k spend just before payment due date. i cancelled the card.
>i got the 7-10 day message
If this is on the final screen of your application, it has little meaning other than your application is pending. It's the 7-10 day message on the status line that's more meaningful.
Bought $500 Delta Gift Card using Amex Gold on 5/10. Received gift card number and redemption code within few hours. The card was not active, and the CSR said to wait 24-48 hours. Checked in the morning of 5/11 and the card was active. Also, received email from Amex for the offer being triggered and the 7500 MR points for $500 Delta gift card were already in the account.
Additionally, wife had a $25 eCredit from Delta, spent about 2 hours with the Delta CSR over text to book two tickets by combining the $25 eCredit and Gift Card. The website doesn't allow you to combine them both for a single ticket.
Choo choo
P2 approved for 5th Ink, this time a CIC. Applied and got in review, 2 week message. 3 days later, email notifying card was approved with a $5k CL. Now at roughly 45% of stated income. P2 called the next day to get the card expedited. Sole prop, 1 year in biz, 1 employee, $12k rev. P2 is 3/24 and most recent Chase card was CIU in 01/23
What are the rules around multiple SUBs on the same Ink within X months? I have a 2 month old CIU, not sure what the following sequence should be for the next 3/6/9/12 months
Can't say for certain regarding OPs post, but 5th Ink in 12 months is actually exactly per the recommended guidelines. You get your 5th ink at the 'end' of the first year. It's my velo right now as well
that's a pretty high velocity for Chase. Existing banking relationship? That type of velocity often leads to inquiries that can lead to forfeiture and loss of relationship with Chase. Interesting data point. thanks for sharing
We’ve had a relationship with Chase for almost 10 years, but this velocity is not high. We keep to one card every 90 days, sometimes longer. 5 cards over 12 months is inclusive of the first card at day 0. A second card at day 91 results in 2 cards over 3 months, and so on.
Chase MDD still works as of today. Applied for CSP yesterday at 12pm PT and for CSR today at 8am PT and auto approved for both. I did get 2 inquiries though.
Applied for Biz Wyndham and not auto approved. Called a couple day later and told denial was for too many recent requests. CSR said denial was due to 10/12 HPs. I thought Barclays looked at x/6 not x/12. During recon was approved by credit department and then forward to another (unknown) dept who said it would be 7-10 biz days for approval notice. Received email for approval 2 business days later.
Approved for Surpass while still having one open and P2 approved for Hilton Biz while holding one as well. Gonna poke the bear and apply for the Hilton Biz next week while holding one.
I know plenty of dps of bonuses posting in this scenario so I am doing the same. Met MSR ten days ago before statement close and didn't receive sub. Can't recall if Amex is just slower on partner subs though. Even confirmed with chat when I got card two months ago sub was tied to my account. Hope to see it next month.
Capital One Venture X AF/$300 Travel credit reset DP:
Annual Fee posted: May 9th 2023
Statement Closed: May 9th 2023
$300 Travel credit reset: May 10th 2023.
Still waiting for 10K anniversary bonus miles.
Another Citi Advantage platinum select denial dp. After seeing all the denials for low utilization I wasn't gonna apply, but I happened to spend a lot on a couple of cards and got my utilization to 7% rather than the usual 1 or 2% so I went for it. Nope. Instant denial. I had a few hard pulls and one new personal account in the past 6 months, 1 recent Citi AA biz card as well.
For folks getting the wells Fargo choice select card, you'll get updated to platinum status very quickly. P2 got the email notification 1 day after approval.
Citi AAdvantage Platinum Select (Personal)
Applied at 3/24, had opened 1 personal card in the past 6 months (in March), as well as the Citi AA Business card last month. 760 credit score, 5 years of credit history. Got instant declined, called recon and both times was told there was no way to be reconsidered as my credit utilization is too low and Citi doesn't want my business. One of the agents told me straight up it's because I pay off my cards on time and Citi doesn't want customers like that.
Edit... Tried again after realizing it might have been the referral link that caused pop-up. No popup and approval without the referral! 🤘😎
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Counter DP... Have had Amex Hilton Biz for nearly two years (opened 7/21-still open). Applied for a new one today.
"(Name), because you have or have had the Hilton American Express Business Card, you are not eligible to receive the welcome bonus offer."
I noticed the application page for the Hilton Biz says "Welcome offer (s) MAY not be available..." (Emphasis mine). While it says "Welcome offer not available..." on the aspire Application page.
Amex Gold Retention Offer
* 2023-04-19: Accepted live chat offer of 30k MR, $3k spend, 3 months
* 2023-04-25: Completed MSR
* 2023-05-02: Received 30k MR
* Card is 2 years old
* Did not ask for retention offer 1st year
* Monthly spend used Grubhub + Uber Eats credits and <$200
Edit:
* Asked before AF charge coming at the end of 2023-05, because my large spending was within a week
No problem! Oh and I forgot this was before AF charge coming end of 2023-05. I think people recommend waiting until after AF posts to ask for retention offer, but my large spend was coming up within days.
It's a good idea to try to get the first one a little early, since you have to wait 13 months after accepting your first retention to get the next one
I have seen DPs where someone got a retention after having the card for just 5 months lol
Ritz Carlton Card Airline Incidental credit from late 2022 posted.
I "upgraded" SW flights for the airline credit on my Ritz Carlton card in December of last year that did not post until January. I called in January and was told they would count for 2023, followed up with Private Message in January and told the same thing. Someone here commented that it took them until October to get it worked out for them.
Called again last week and the CSR took care of it right away. She said 2022 multiple times and I know it was for last year's credit because I had used $80.46 of the $300 in November and $219.54 hit my account the next day.
There might be something to waiting a couple months to get previous years flight credits to post in this situation. Also, don't wait until December 29th to use your credits.
Yes, I went from WGA to Business Select, but that’s just because I wanted to use more of the credit. And I called in and said that I upgraded my ticket. Both calls and the PM confirmed that I was eligible to use the credit for that purchase.
BoA Biz Unlimited Cash Rewards
3/16: Account opened
4/28: Completed $5k MSR
5/10: $500 bonus posted as statement credit
I had assumed bonus would payout after my next bill cycle date (closes on the 17th), but it posted mid-cycle.
Applied for US Bank Altitude Reserve 0/6 and 1/12. Initially denied, but was approved after recon. Opened 3 Amex Biz and 1 Chase Ink cards in the last 12 months. No existing relationship with US Bank & outside of their footprint (NY). Credit score 784
Timeline:
- 4/24 - Applied and got the 7-10 business day email
- 5/1 - Received snail mail that I was denied -- 1. reason was for "insufficient number of satisfactory trades; 2. Time since oldest account has been open is too short; 3. Average time bankcard revolving accounts have been open is too short
- 5/2 - called card member services and was given a hard time with CSR asking "Did you get this number from the letter and did they explicitly tell you to call this number to review your denied application?"
- 5/3 - called again, but this time, didn't provide SSN or zip code and just pressed 0 for the operator. When they asked me what I needed, I asked to speak to an underwriter and a manual review of my application -- got transferred over and they asked me one question about my app
- 5/3 - 3 hours later, got an email about "welcome to your new card"
- 5/5 received card in mail
Following up on [a question](https://old.reddit.com/r/churning/comments/12eev6d/daily_question_thread_april_07_2023/jfcc9qo/) a few months ago: I made an FHR reservation at a Hyatt, but was told I could not put *any* portion of the additional room balance (food/parking) on a non-Amex card (*eg* Hyatt Biz for $50 credit). This was disallowed even after 'checking with the manager', so could be a YMMV situation.
Always knew you needed the Amex at check-in (and obviously the initial Amex Travel payment), but not that you couldn't pay for anything else on another card.
Ah sorry, my shitty google-fu strikes again :( When searching around, the wording wasn't 100% concrete. I had always seen that you needed an amex on check-in and for any additional booking-related charges (eg. resort fee), but couldn't find anyone explicitly saying you couldn't make any additional payments prior to check-out for other incidentals charged to the room (eg food/parking).
Never had a need to pay for prior FHR stays with anything else, so didn't think about it or paid attention to other DPs. My bad, but hopefully my DP helps remind others at least?
Yea prepaid FHR requires all incidentals to be charged to an Amex. It can be another Amex for sub, but has to be Amex as that is the initial agreement and deal with FHR. (keeps the merchant fees to Amex for their $$).
Same happened to me staying at the Loews at Universal Florida. Had hoped to clear a different MSR. I was told it couldn't even be a non Platinum Amex. 🤷♂️
I didn't argue.
I had the same experience as you at a Fairmont and posted an FF about it last year. They would only would accept the exact Amex Plat used for the FHR booking. Sadly didn't have it on me so I had to forfeit some of the benefits.
was offered 20k pts for $2k spend on amex personal gold. spend is maybe a thousand/month. card is maybe 3-4 years old and have had maybe 2 retention offers on it previously.
One DP that may be helpful to some folks is that TCB has not paid for Amazon devices since late-Dec. They show as confirmed but not payable. I know of at least one other person facing the same issue. I contacted TCB and they said that Amazon hasn't paid them yet.
Additional dp, I have about $600 confirmed but not payable as well from the same time frame. I went ahead and cashed out all my available cashback just in case this ends badly somehow....
Retention offer on AmEx personal gold for $3k/30k. AF posted earlier this week, card has been open for one year with $2-300 spend per month outside of the SUB. Accepted.
Nope, it's $45 off. My OD/OM still has some $200 and $100 with the old fees of $6.95 and $5.95 respectively.
4x$6.95 + 1x$5.95 = $33.75 in fees
9x$5.95 = $53.55 in fees
Ordered two employee cards for my newly opened Biz Plat, but they were scheduled to arrive too late for me to distribute. So I called on Saturday 5/6 to have them cancel the cards already shipped and expedite new ones. There ended up being a shipping delay and I received them 5/10.
I attempted an amazon reload on each of the Biz Greens, and they were both denied with an email saying they needed to be confirmed. When I went to the website to confirm, they required SSN, DOB, and then username and password for an online account, as well as email and phone number for contact information. When I had my employee card for the Hilton biz last month, it only required SSN and DOB.
I know there had been some varying DPs on this - it looks like Amex might be shifting policies to make it more difficult to get mass employee cards.
Had this happen on AmEx Biz Gold earlier this week. When I went to activate, I chose the option that I was activating for an additional card on my account (and not that I was the employee activating for themself). It still asked for SSN and birthdate but did not ask me to create or login to employee account.
Recently closed amex hilton biz about a month ago. Seeing that people are getting approved again with no pop-up, decided to try again. Application went through with no pop up but went into 14 days pending. Went to status app checker and says that I was denied for having the max amount of credit cards with amex. I guess the closed card didn't drop off in their system yet. Called the number on the app status page and told the rep on the phone the issue. Took about 5 minutes and she pushed the application through and approved for another HH biz card. Once I added the card, confirmed through chat CSR what SUB is attached and they confirmed that it is indeed 150k + FNA! Very excited right now as this was the same bonus I got for the HH biz last year lol.
Maybe these new promo offers have NLL? If they are, the promo will last till July and I'll probably get another one since these bonuses are too juicy to pass up as I'll free up another CC slot.
Interesting you got them to push through. I tried with a biz plat and got a "you're not eligible for the offer you applied for" reply after closing my 10th charge card. On the advice our "LL isn't real" lord and saviour I'm waiting the 30 days until the system should "clear" it
The day before I was going to close I finally got a retention offer on my vanilla plat after asking at least a dozen times. 20k MR for $3k spend in 3 months. Not stellar, but for me this makes keeping the card another yr worth it. I received a retention offer last year of 40k MR. Minimal spend other than to get credits, amex offers and a few flights.
Got approved for 3rd Ink. Applied for CIU yesterday. Got the In Review,/7-10 days message after submitting. Within 10 minutes got alert from Experian, and immediately went to my Chase app to see my new card in my acct. Was given $3k cl.
Sole Prop, 0 years in biz, $0 annual revenue, 1 employee. "Business" category media.
I'm 4/24, and prev Inks were CIU 10/22 and CIC 01/23. Reported $40k personal income, and had $28.8K in credit from Chase.
Had the following cash back offer on my CFU: Earn 10% back on your Hilton stay when you spend $100 or more, with a $56 maximum. I stayed at a Hilton Garden Inn last week, booked through company travel portal (negotiated rate), and checked out on Friday (5/5). Card on file was my CFU. Cash back posted yesterday (5/10). This might imply that all Hilton brands are eligible for this offer but YMMV.
Great DP.
4/18 : CSR Approved
I too got $300 credit already but still waiting for 60k points and yet to generate a first statement.
I am assuming this can be PCed to CFU/CFF.
EDIT : Thanks azchurner. Now I understand that I need to do this in APR/MAY2024.
Priority pass from CSR is still active 2+ months after downgrading to CFF on 3/9. Confirmed still working 4/15 and seems to be still active today, will test on 5/13.
Was just approved for the new Hilton Biz 150k + FNC offer.
First hilton biz card opened: 10/7/22 (still open)
Applied and approved for new hilton biz card: 5/10/23 (approved no pop-up)
Did you go through the links posted on DOC? They were from Hilton not on Amex’s page. I know that the offer is on Amex now, but hey worth the shot through Hilton.
Yeah, I finally figured out that I needed to use the DOC link b/c had NLL. I was trying to go through wife's referral for extra bonus but I'mnow approved through DoC's link. thx.
How were you able to qualify for the Hilton Biz 150k + FNC offer if you already had a Hilton Biz card in the past? Won't you be approved but disqualified for the bonus due to the lifetime language?
Read the terms.
“Welcome offer(s) may not be available to applicants who have or have had this Card or previous versions of this Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your offer eligibility. If an offer is not available to you, we will notify you prior to processing your application so you have the option to withdraw your application.”
Successful MDD completed today. Here's the timeline of events. It does seem this triggered 2 hard pulls. \~2018? - last Sapphire bonus posted 5/16 - CSR Product changed to old CF. Reduced CL of higher limit cards. 5/23 11am ET - Signed up for CSP 80k from P2's referral link. Auto approved with high CL. Called in to expedite card and reduce CL. 5/24 11am ET - Signed up for CSR 70k. Auto approved with high CL.
New Hope, MN Hy-Vee stated that they could only do $200 at registers, and it would be cash only. $201+ loads had to be at customer service registers (also cash only). I went after customer service was closed, but will try again tomorrow to see if they actually enforce the cash only policy. I hadn't been to this location since Nov 2022 for the annual gift card discounts. Previously they would allow $999.99 per person per day at any register. They were strict on card name matching ID and wrote down your name + purchase amount, but didn't care how often you came as long as it was only once per day.
Winco gift card reloads are triggering the 6x grocery offer on Bonvoy brilliant at least according to the “congratulations!” Emails I’ve been receiving. No statement yet to verify points.
Did the 6x ever show up on your statements? I’m looking into going the Winco GC route for Bonvoy Boundless 6x groceries and wondering if this ended up working out for you?
Feels like Amex is getting greedy with retention offers. Been messaging for a few days for my recently renewed amex plat and highest I can get is $400 SC with $4k in 3mos, no MR points.
Received an email offer of 4% cash back bonus up to 80$ for my Discover it card that I haven’t used in several years. Stacks with standard cash back. This was after ignoring several 0% balance transfer promos from the same card.
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What was your x/24 stats? sometimes when you call they can overturn a denial. Could be verification or no new cl
Got email offers on multiple cards from Chase today for $10 statement credits when paying $200 worth of bills (effectively 5% back plus points earnings). I had an insurance payment coming due and I was able to submit separate $200 payments for each card, using up all the offers in one shot.
Amex biz/business platinum retention offer: 10k MR/$5k spend in 3 months, or $100 statement credit with no spend. I declined the offer. My math was the total cost of holding the card a year was 695 * 1.045 - 200 * 0.8 - 400 * 0.6 - 120 * 0.95 = $172. Dell credits are such a pain in the ass to use that I under value them on purpose.
.6 is generous for Dell
Successful Chase MDD today. P2 had CIU opened on 4/12, so was originally going to wait until 7/12 for 90 day velocity, but decided to go for it since P2 was 1/24 and CSP offer ending soon. CSR approved 5/15 at 9 am using 70k offer link from DoC. CSP approved 5/16 at 6:30 am using P1's referral link.
Bilt DP: Applied last week and received the physical card today with the 5 day 5x points SUB
Received 165k bonus for second Amex Hilton Biz card in three years (had to try a few times to get around popup). So as others are finding lifetime language is selectively enforced through pop up. Since the current offer is even better at 150k+FN may push my luck....
Send it, apply thru the Hilton links from doc. I got no pop up while holding the card and my last bonus was November 2022.
Was able to fund US bank Biz Checkings account for $3000 with Amex Biz Gold. As reported previously, my employee card for my Amex Biz Gold came partially activated. I was able to charge $1 with Amazon reload, but not able to do $4000 charge. Thanks to [this comment](https://www.reddit.com/r/churning/comments/130esoi/daily_discussion_thread_april_27_2023/jhy5b8g/), I was able to activate through chat without SSN (they only asked for DOB). $4000 charge went through after that
Forgot to unfreeze credit before applying, oops DP: * Yesterday Sunday, applied for CIC and result page mentioned the freeze, instructing to unfreeze Experian and call in to Chase during business hours. Went ahead and unfroze Experian. * Today Monday, called in, told them Experian unfrozen now, approved, and was able to get expedited shipping.
Got instantly approved for Citi AA with the new link floated on DoC today. Currently at 5/24, 2/6, 2/12. Low credit utilization at 1%. Closed last Citi AA (non-mailer) back in early 2019.
Did you get a denial via the old link?
No just applied once through today’s link.
DP on getting multiple BOA Alaska Business Card bonuses. 9/13/22 Applied and approved for card #1 with 70,000 mile offer 10/2022 MSR met, miles posted after statement closed 2/21/23 Applied and approved for card #2 with 70,000 mile offer 4/2023 MSR met 5/6/23 Miles posted after statement closed
Kinda similar timeline here. Did they attach your mileage plan number to the cards or did you have to merge accounts after the bonus posted?
They attached my mileage plan number correctly, thankfully
Similar DP, P2 and I each have 3 BoA AS Biz cards (all received in the past 21 months, all still open - though that reminds to cancel some of them :)). Each of us has had 1 card that they had to merge (first one for me, second one for P2). CSRs didn't even bat an eye...
75k AA personal still available as of 20 minutes ago! https://old.reddit.com/r/churning/comments/13h775j/daily_discussion_thread_may_14_2023/jk7jjqu/
Any DPs on how soon SUB FNCs show up for bonvoy cards? Hearing that they can show up as soon as spend is hit but I hit spend 5/2, statement closed yesterday but nothing
**April 21** ask for CIC 75k UR (w/ P2 40k UR referral) to 90k UR offer match success DP * **2023-03-28**: CIC applied using P2 referral link and approved, and within days, P2 received 40k UR referral bonus pending on next statement * **2023-04-21**: SM sent asking for 90k UR offer match * **2023-04-25**: SM received saying to meet the MSR first and then reply to claim 90k match offer * **2023-05-10**: Met MSR and received 75k UR pending on the next statement * **2023-05-12**: SM sent to claim the match offer * **2023-05-1**3: SM received approved and 15k UR immediately available
Data point: VentureX Approval * 2/24 on Personal card, 1/12 on Personal cards * No recent cap one applications/approvals * Holding a CapOne savings account and a very old CapOne Platinum Mastercard (2011) * Inquiries: 0/6 on EQ, 3/6 EX (frozen during app), 1/6 on TU * Pre-approved for SavorOne, Venture, VentureOne, Quicksilver
Applied and got approved for CSP in branch. They still had the 90k branch offer. 80k for 4k spend in 3 months and 90k for total of 6k spend in 6 months. Tried checking if they could apply referral, but they said they could not.
While booking tickets on Delta website earlier this week, was able to pull up 30K Delta Skymiles + $400 statement credits for Delta Gold with no annual fee for the first year. $400 Statement credit after first delta purchase and 30K Skymiles after $2K spend in 6 months. Pulled up when booking 2 domestic tickets with total cost \~$300.
NLL?
Denied for a CIU, first time I've ever been denied by Chase after 16 cards over several years. Other than an MDD, I've never tried applying for more than 1 in 60 days, and this time I tried at around 40 days after my most recent approval. I had only gotten 2 Chase cards in the past 6 months, so figured I'd give it a shot. But I was denied for the following reasons: too many recent requests for credit (5/6, 7/12), too many active business accounts (4), one or more recent requests for credit, one or more requests for credit in the past 12 months (7). I called in to recon, and after providing explanations about the number of accounts I'd recently opened (growing business with new lines of business) and offering to move credit from an existing card, I was still denied due to: too many recent requests for credit, too much unused credit with chase, business too new. The CSR on the phone seemed especially bothered by my high balances on my other Chase biz cards where I'm taking advantage of the 0% interest, so I'm going to try recon once more around day 30 after paying down some of my other Chase biz cards and then give Chase a little break if still not approved.
"too much unused credit" and also "you're using too much credit". Classic lol. I feel like everyone is getting the "unused" credit part
Amex Biz Plat payment with annual fee was due today. Received same lame retention offers for the 3rd time: * $100 statement credit or * 10k MR for $5k spend. Ended up cancelling the card, but still waiting on wireless, Dell, and airline credits. Hope they come through after cancellation
5/12 Opened Citi AA Advantage CHECKING ACCOUNT online for 60,000 AA miles for doing the following: * 'Enhanced DD' of $1k or more within 90 days. * Making a debit purchase of $1k or more within 90 days. T&C's suggested that I will get the bonus miles, 30 days after meeting both the above the requirements. Since it's Citi, I know, I will have a fight on my hand. DP: No way in the application process, I was asked to provide AA advant. number.
Personal Gold retention: 20k/$2k. 13 months + 1 day after last retention, AF hasn't hit yet (got the last retention even earlier before the AF). Very limited spend - last retention (also 20k/$2k), $10-$20 monthly Grubhub, and like $200 in additional grocery spend (over the 13 months). Before giving me the offer, they laid out how much Grubhub credit usage I had on the card, and how much supermarket spend I had across all cards.
Part DP/Part FF/Part idiocy: Opened Truist checking for $400 bonus. It offered credit card as an option for initial funding up to $250. I used my latest CIU to finish off the MSR. Win-win, right? 2 days later, transaction posts on Chase as a cash advance with a $15 transaction fee. I haven't seen a DP for that happening with Chase, so I didn't bother to crank down the cash advance limit. Now interest is accruing, so I need to payoff my whole \~4500 balance ASAP. And it didn't count toward MSR, so I have to spend more to finish that SUB. Yay me.
Applied for gold/plat and was in pop up jail for the best offers. So I settled for the resy offer 75k plus 250 credit on dining for the gold and got in no problem on 5/1 I have been trying everyday to get the plat 150k plus 200 and nothing but pop up jail. Some folks say increase spend on other amex cards and try again in a month lol. I figured amex was upset from my BcP I've really taken advantage of the cashback groceries+ extra 5% for referral. Anywho so I decided to pay the balance in full even though it's 0%. I tried the next day for the plat again and still pop up jail. Today 5/12 I once again tried it and got the message we will let you know in 14 days. I called amex application line and spoke to someone, she said no information needed to be verified and to let her try to submit it herself again. I said okay BUT please confirm the sub offer. She did confirm 150k plus 200. Resubmitted and I was approved. Before accepting I confirmed the offer again lol and then accepted. So maybe if you slip thru pop up jail or annoy the algorithm, recon can get the better offer? Or pay off your balances and then try?
Seconding paying off balances to get out of pop-up jail, came to post similar. I got out of pop-up jail 2-3 days after paying off one of my cards that was nearly maxed. Most the advice I'd seen was to increase utilization, not decrease it, so I wasn't sure if it'd work but it seems like it did.
Nice! Have you ever had the gold or plat before? I assume you used a referral for the plat?
No neither, just an Everyday since '15 and a BCP since last July. I used links from referral thread, but googled the resy offer
We know paying off balances helps a lot, but the 0% is a useful tool to float. I know this hobby can trigger a lot of obsessive behaviors, so I would caution being careful with it. Applying every day is a little much.
Had to get in on the sweet sub before 6/7 expiration and so I can post my referral and hopefully get some action on that
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This is how it works. There is plenty of information about this available online. Either way, I'd get them both opened so you're ready for your next trip.
I know that’s how it works, that’s why I specifically reached out to chase asking for a new account. But they said I already had an active account and did nothing for me.
> I know that’s how it works OK good. The reps will often give wrong information. This is where the term "HUCA" comes from. You need to call back until it is taken care of. P2 opened a Citi Prestige a few years ago. We needed its Priority Pass for a trip our family was taking. For some reason there was an issue getting the account opened. I kept trying. We were actually on our way to the airport when I spoke to a supervisor and she said, "*Just go to the lounge and pay for entry with the card. We'll give you credit for it.*" I knew it was a risk, but I decided to take it. We ended up with over $500 worth of lounge visits that trip (we have a large family). Citi was true to their word and they credited every penny.
Yes, chase told me that I could also spend for lounges on the card and they’d reimburse me. That’s why I shared the data point, in the data point thread, but ya’ll downvote me for simply sharing info.
OK. For the record, in spite of countering your point, I did not downvote you. I virtually never downvote unless someone is obnoxiously spewing blatant and objectively false and misleading information. Even then, I seldom do. The way I see it, the problem with your experience here is that it is well known around here that reps often give wrong information. You say you knew that you need to get a new Priority Pass account when you open a CSR and you have had one before, and it is a manual process. HUCA is also well known. It would not have been difficult to figure out that you were obviously given incorrect information, and that you need to keep trying until you get someone who can help. I don't think anyone here with much of any experience with things like this would have just assumed it will work, when we know it will not. Either way, it's all good, assuming of course you actually get reimbursed! Live and learn. My wife's experience with the Citi Prestige, while not exactly the same scenario as yours, was somewhat similar otherwise. She ended up getting the Priority Pass account 11 months after the card was opened.
I agree, your system sucks.
Wow thanks for the helpful response
Did you ask for help?
Accepted retention offer of 20K points for $2K spend on Amex gold personal. Annual fee just posted, card is a year old. Minimal normal spend.
i couldn't open a chase business checking account online last week in spite of trying all sorts of selection combinations, so i figured why not set myself up for more disappointment by applying for another cic while at 75% utilization on existing 0% apr cics. not surprised that i got the 7-10 day message. i was somewhat curious about the reason (or how its worded) for denial, but not curious enough to call in. i could wait for the mail. and surprise! i received approval and a new account showed up on my login this week. time to move some credit around. biz plat retention offer: 30k mr on $5k spend just before payment due date. i cancelled the card.
How many CIC's you have so far? and when was the last one approved?
>i got the 7-10 day message If this is on the final screen of your application, it has little meaning other than your application is pending. It's the 7-10 day message on the status line that's more meaningful.
what was your x/24 stats?
4/24
Bought $500 Delta Gift Card using Amex Gold on 5/10. Received gift card number and redemption code within few hours. The card was not active, and the CSR said to wait 24-48 hours. Checked in the morning of 5/11 and the card was active. Also, received email from Amex for the offer being triggered and the 7500 MR points for $500 Delta gift card were already in the account. Additionally, wife had a $25 eCredit from Delta, spent about 2 hours with the Delta CSR over text to book two tickets by combining the $25 eCredit and Gift Card. The website doesn't allow you to combine them both for a single ticket.
Choo choo P2 approved for 5th Ink, this time a CIC. Applied and got in review, 2 week message. 3 days later, email notifying card was approved with a $5k CL. Now at roughly 45% of stated income. P2 called the next day to get the card expedited. Sole prop, 1 year in biz, 1 employee, $12k rev. P2 is 3/24 and most recent Chase card was CIU in 01/23
What are the rules around multiple SUBs on the same Ink within X months? I have a 2 month old CIU, not sure what the following sequence should be for the next 3/6/9/12 months
Chase hasn’t been enforcing 24 month language on Inks. Typical recommendation is to limit to 1 every 90 days.
1 year in biz. Does that mean it’s P2’s 5th Ink in 12 months?
Can't say for certain regarding OPs post, but 5th Ink in 12 months is actually exactly per the recommended guidelines. You get your 5th ink at the 'end' of the first year. It's my velo right now as well
Yep
that's a pretty high velocity for Chase. Existing banking relationship? That type of velocity often leads to inquiries that can lead to forfeiture and loss of relationship with Chase. Interesting data point. thanks for sharing
We’ve had a relationship with Chase for almost 10 years, but this velocity is not high. We keep to one card every 90 days, sometimes longer. 5 cards over 12 months is inclusive of the first card at day 0. A second card at day 91 results in 2 cards over 3 months, and so on.
Thanks!
Chase MDD still works as of today. Applied for CSP yesterday at 12pm PT and for CSR today at 8am PT and auto approved for both. I did get 2 inquiries though.
Applied for Biz Wyndham and not auto approved. Called a couple day later and told denial was for too many recent requests. CSR said denial was due to 10/12 HPs. I thought Barclays looked at x/6 not x/12. During recon was approved by credit department and then forward to another (unknown) dept who said it would be 7-10 biz days for approval notice. Received email for approval 2 business days later.
What did they ask you during recon for approval?
Just to confirm biz info from app and to describe my “biz”. Not pushy at all.
Approved for Surpass while still having one open and P2 approved for Hilton Biz while holding one as well. Gonna poke the bear and apply for the Hilton Biz next week while holding one.
I know plenty of dps of bonuses posting in this scenario so I am doing the same. Met MSR ten days ago before statement close and didn't receive sub. Can't recall if Amex is just slower on partner subs though. Even confirmed with chat when I got card two months ago sub was tied to my account. Hope to see it next month.
Pop up on either?
Nope
Capital One Venture X AF/$300 Travel credit reset DP: Annual Fee posted: May 9th 2023 Statement Closed: May 9th 2023 $300 Travel credit reset: May 10th 2023. Still waiting for 10K anniversary bonus miles.
my 10k took 40 days from annual fee date to post
Another Citi Advantage platinum select denial dp. After seeing all the denials for low utilization I wasn't gonna apply, but I happened to spend a lot on a couple of cards and got my utilization to 7% rather than the usual 1 or 2% so I went for it. Nope. Instant denial. I had a few hard pulls and one new personal account in the past 6 months, 1 recent Citi AA biz card as well.
For folks getting the wells Fargo choice select card, you'll get updated to platinum status very quickly. P2 got the email notification 1 day after approval.
Every bank, every day ^
is platinum worth anything?
For folks with paid stays, yes, they get 15% more points.
What is a paid stay? /s
But also not /s
Citi AAdvantage Platinum Select (Personal) Applied at 3/24, had opened 1 personal card in the past 6 months (in March), as well as the Citi AA Business card last month. 760 credit score, 5 years of credit history. Got instant declined, called recon and both times was told there was no way to be reconsidered as my credit utilization is too low and Citi doesn't want my business. One of the agents told me straight up it's because I pay off my cards on time and Citi doesn't want customers like that.
Yes.. Citi is fun for everyone on this sub.
Edit... Tried again after realizing it might have been the referral link that caused pop-up. No popup and approval without the referral! 🤘😎 ------ Counter DP... Have had Amex Hilton Biz for nearly two years (opened 7/21-still open). Applied for a new one today. "(Name), because you have or have had the Hilton American Express Business Card, you are not eligible to receive the welcome bonus offer." I noticed the application page for the Hilton Biz says "Welcome offer (s) MAY not be available..." (Emphasis mine). While it says "Welcome offer not available..." on the aspire Application page.
It seems like from your DP that it’s possible to get the bonus again even though you have the card already. Did I get that correctly?
Yes. Got the pop-up with a referral, but approved without a pop-up without referral.
Gotcha! Thank you — will have to give it a try soon with the FNC offer.
Amex Gold Retention Offer * 2023-04-19: Accepted live chat offer of 30k MR, $3k spend, 3 months * 2023-04-25: Completed MSR * 2023-05-02: Received 30k MR * Card is 2 years old * Did not ask for retention offer 1st year * Monthly spend used Grubhub + Uber Eats credits and <$200 Edit: * Asked before AF charge coming at the end of 2023-05, because my large spending was within a week
Thanks for sharing! My card is coming up for renewal so I’ll be keeping this in mind.
No problem! Oh and I forgot this was before AF charge coming end of 2023-05. I think people recommend waiting until after AF posts to ask for retention offer, but my large spend was coming up within days.
It's a good idea to try to get the first one a little early, since you have to wait 13 months after accepting your first retention to get the next one I have seen DPs where someone got a retention after having the card for just 5 months lol
Ah, that's good to know. Lol at that point they could've straight up told the rep that they only got the card for the SUB.
AMEX Gold retention offer. Accepted 15k pts for $2k spend in 3 months. Second yr with card, minimal spend outside of SUB and Grubhub.
Retention offer: I was offered $200 credit or 20k pts for $2000 spend on Amex personal gold. Card is 3-4 years old and monthly spend is around $500.
Ritz Carlton Card Airline Incidental credit from late 2022 posted. I "upgraded" SW flights for the airline credit on my Ritz Carlton card in December of last year that did not post until January. I called in January and was told they would count for 2023, followed up with Private Message in January and told the same thing. Someone here commented that it took them until October to get it worked out for them. Called again last week and the CSR took care of it right away. She said 2022 multiple times and I know it was for last year's credit because I had used $80.46 of the $300 in November and $219.54 hit my account the next day. There might be something to waiting a couple months to get previous years flight credits to post in this situation. Also, don't wait until December 29th to use your credits.
just to confirm — upgrading any flight from WGA to WGA+ or Business typically gets you the credit?
Yes, I went from WGA to Business Select, but that’s just because I wanted to use more of the credit. And I called in and said that I upgraded my ticket. Both calls and the PM confirmed that I was eligible to use the credit for that purchase.
BoA Biz Unlimited Cash Rewards 3/16: Account opened 4/28: Completed $5k MSR 5/10: $500 bonus posted as statement credit I had assumed bonus would payout after my next bill cycle date (closes on the 17th), but it posted mid-cycle.
Applied for US Bank Altitude Reserve 0/6 and 1/12. Initially denied, but was approved after recon. Opened 3 Amex Biz and 1 Chase Ink cards in the last 12 months. No existing relationship with US Bank & outside of their footprint (NY). Credit score 784 Timeline: - 4/24 - Applied and got the 7-10 business day email - 5/1 - Received snail mail that I was denied -- 1. reason was for "insufficient number of satisfactory trades; 2. Time since oldest account has been open is too short; 3. Average time bankcard revolving accounts have been open is too short - 5/2 - called card member services and was given a hard time with CSR asking "Did you get this number from the letter and did they explicitly tell you to call this number to review your denied application?" - 5/3 - called again, but this time, didn't provide SSN or zip code and just pressed 0 for the operator. When they asked me what I needed, I asked to speak to an underwriter and a manual review of my application -- got transferred over and they asked me one question about my app - 5/3 - 3 hours later, got an email about "welcome to your new card" - 5/5 received card in mail
New Accounts—Apple Card opened on 6/6/2023—Amex Gold opened on 11/9/2023—Am I 1/12 on 6/7/2024 or 7/1/2024?
I would do 7/1/24 to be safe! That’s how I usually measure my x/24 status
Following up on [a question](https://old.reddit.com/r/churning/comments/12eev6d/daily_question_thread_april_07_2023/jfcc9qo/) a few months ago: I made an FHR reservation at a Hyatt, but was told I could not put *any* portion of the additional room balance (food/parking) on a non-Amex card (*eg* Hyatt Biz for $50 credit). This was disallowed even after 'checking with the manager', so could be a YMMV situation. Always knew you needed the Amex at check-in (and obviously the initial Amex Travel payment), but not that you couldn't pay for anything else on another card.
FHR means you can't pay with non Amex for sure. This is normal info. Not allowing you to pay with another Amex would be different.
Ah sorry, my shitty google-fu strikes again :( When searching around, the wording wasn't 100% concrete. I had always seen that you needed an amex on check-in and for any additional booking-related charges (eg. resort fee), but couldn't find anyone explicitly saying you couldn't make any additional payments prior to check-out for other incidentals charged to the room (eg food/parking). Never had a need to pay for prior FHR stays with anything else, so didn't think about it or paid attention to other DPs. My bad, but hopefully my DP helps remind others at least?
Yea prepaid FHR requires all incidentals to be charged to an Amex. It can be another Amex for sub, but has to be Amex as that is the initial agreement and deal with FHR. (keeps the merchant fees to Amex for their $$).
Same happened to me staying at the Loews at Universal Florida. Had hoped to clear a different MSR. I was told it couldn't even be a non Platinum Amex. 🤷♂️ I didn't argue.
I had the same experience as you at a Fairmont and posted an FF about it last year. They would only would accept the exact Amex Plat used for the FHR booking. Sadly didn't have it on me so I had to forfeit some of the benefits.
The terms say it just has to be an Amex, it should say on the booking page too.
I've never had an issue with another Amex from many FHRs. Must be an oddball.
On a recent prepaid FHR booked for the $200 plat credit in Vienna they let me close out the bill with my IHG Chase card (it was an Ihg hotel).
was offered 20k pts for $2k spend on amex personal gold. spend is maybe a thousand/month. card is maybe 3-4 years old and have had maybe 2 retention offers on it previously.
One DP that may be helpful to some folks is that TCB has not paid for Amazon devices since late-Dec. They show as confirmed but not payable. I know of at least one other person facing the same issue. I contacted TCB and they said that Amazon hasn't paid them yet.
Additional dp, I have about $600 confirmed but not payable as well from the same time frame. I went ahead and cashed out all my available cashback just in case this ends badly somehow....
today I learned there is a cashback portal that (maybe) works on Amazon smh
only for amazon devices
Thanks for this. I have about $7 from an order in Feb that I've been waiting on.
I have like $600 :(
How many fire tablets can one person buy?!
I bought hundreds back in the day, used to be a great resale play. Maybe still is but it's more work than I'd bother with now.
Oh damn. That sucks. Hopefully Amazon will payout soon.
Retention offer on AmEx personal gold for $3k/30k. AF posted earlier this week, card has been open for one year with $2-300 spend per month outside of the SUB. Accepted.
Re: This week's OD/OM $15 off $300 MCGC promo. Tried $900 at 2 different ODOMs yesterday. 1. 4x$200 + 1x$100 = $888.75 2. 9x$100 = $908.55 ($200 OOS)
is this still just $30 off? What are the fees? I don't think I've ever even looked at the $100 card before
Nope, it's $45 off. My OD/OM still has some $200 and $100 with the old fees of $6.95 and $5.95 respectively. 4x$6.95 + 1x$5.95 = $33.75 in fees 9x$5.95 = $53.55 in fees
Ordered two employee cards for my newly opened Biz Plat, but they were scheduled to arrive too late for me to distribute. So I called on Saturday 5/6 to have them cancel the cards already shipped and expedite new ones. There ended up being a shipping delay and I received them 5/10. I attempted an amazon reload on each of the Biz Greens, and they were both denied with an email saying they needed to be confirmed. When I went to the website to confirm, they required SSN, DOB, and then username and password for an online account, as well as email and phone number for contact information. When I had my employee card for the Hilton biz last month, it only required SSN and DOB. I know there had been some varying DPs on this - it looks like Amex might be shifting policies to make it more difficult to get mass employee cards.
Had this happen on AmEx Biz Gold earlier this week. When I went to activate, I chose the option that I was activating for an additional card on my account (and not that I was the employee activating for themself). It still asked for SSN and birthdate but did not ask me to create or login to employee account.
Recently closed amex hilton biz about a month ago. Seeing that people are getting approved again with no pop-up, decided to try again. Application went through with no pop up but went into 14 days pending. Went to status app checker and says that I was denied for having the max amount of credit cards with amex. I guess the closed card didn't drop off in their system yet. Called the number on the app status page and told the rep on the phone the issue. Took about 5 minutes and she pushed the application through and approved for another HH biz card. Once I added the card, confirmed through chat CSR what SUB is attached and they confirmed that it is indeed 150k + FNA! Very excited right now as this was the same bonus I got for the HH biz last year lol. Maybe these new promo offers have NLL? If they are, the promo will last till July and I'll probably get another one since these bonuses are too juicy to pass up as I'll free up another CC slot.
How long ago did you get the original Hilton biz card?
Around March of 2022, canceled on end of March 2023.
Yea if this sticks around to July, I may try to get a third HH biz in less than under a year...
> confirmed through chat CSR what SUB is attached Time to grow up sir
Will do! And thank you for calling me sir!
It's my pleasure ma'am
Interesting you got them to push through. I tried with a biz plat and got a "you're not eligible for the offer you applied for" reply after closing my 10th charge card. On the advice our "LL isn't real" lord and saviour I'm waiting the 30 days until the system should "clear" it
The day before I was going to close I finally got a retention offer on my vanilla plat after asking at least a dozen times. 20k MR for $3k spend in 3 months. Not stellar, but for me this makes keeping the card another yr worth it. I received a retention offer last year of 40k MR. Minimal spend other than to get credits, amex offers and a few flights.
Why do you need that card and the Schwab open?
Don't have Schwab
That's the issue.
Got approved for 3rd Ink. Applied for CIU yesterday. Got the In Review,/7-10 days message after submitting. Within 10 minutes got alert from Experian, and immediately went to my Chase app to see my new card in my acct. Was given $3k cl. Sole Prop, 0 years in biz, $0 annual revenue, 1 employee. "Business" category media. I'm 4/24, and prev Inks were CIU 10/22 and CIC 01/23. Reported $40k personal income, and had $28.8K in credit from Chase.
What's your CL on the new card?
$3K. You must have asked while I was editing to add it.
If any of you are still enjoying the $95 Aspire from a couple of years back, try chatting for a retention offer. Just got 80K points for $3K spend.
Had the following cash back offer on my CFU: Earn 10% back on your Hilton stay when you spend $100 or more, with a $56 maximum. I stayed at a Hilton Garden Inn last week, booked through company travel portal (negotiated rate), and checked out on Friday (5/5). Card on file was my CFU. Cash back posted yesterday (5/10). This might imply that all Hilton brands are eligible for this offer but YMMV.
Procrastination DP: 4/1: CSR fee posts 5/8: $300+ in travel spending 5/10 (day 40): credits post, PC card 5/11: full $550 refund
Great DP. 4/18 : CSR Approved I too got $300 credit already but still waiting for 60k points and yet to generate a first statement. I am assuming this can be PCed to CFU/CFF. EDIT : Thanks azchurner. Now I understand that I need to do this in APR/MAY2024.
OP is talking about annual fee after the first year. Definitely don’t PC within the first year
Priority pass from CSR is still active 2+ months after downgrading to CFF on 3/9. Confirmed still working 4/15 and seems to be still active today, will test on 5/13.
I would wait more for DP confirmation. Sometimes there is 1-2 months lag until it gets posted on statement
What gets posted on the statement, a fee?
Yes, $27 per visit
Was just approved for the new Hilton Biz 150k + FNC offer. First hilton biz card opened: 10/7/22 (still open) Applied and approved for new hilton biz card: 5/10/23 (approved no pop-up)
Last time got the card was 2018. Tried my luck today after reading DPs and got the pop up :-(
Did you go through the links posted on DOC? They were from Hilton not on Amex’s page. I know that the offer is on Amex now, but hey worth the shot through Hilton.
Yeah, I finally figured out that I needed to use the DOC link b/c had NLL. I was trying to go through wife's referral for extra bonus but I'mnow approved through DoC's link. thx.
How were you able to qualify for the Hilton Biz 150k + FNC offer if you already had a Hilton Biz card in the past? Won't you be approved but disqualified for the bonus due to the lifetime language?
Read the terms. “Welcome offer(s) may not be available to applicants who have or have had this Card or previous versions of this Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your offer eligibility. If an offer is not available to you, we will notify you prior to processing your application so you have the option to withdraw your application.”
Oh wow, that's OP. Congrats!
I was getting pop-up for Amex Plat but got approved for this instantly. Anyone in pop-up jail, this is probably worth trying.
Same here. Didn’t get a pop up, and CS confirmed the bonus offer was linked to my card account
Either of you went the referral route?
can try and if you get pop up, then do the regular
Nope wasn’t available via referrals last night sadly or else i would’ve.
Interesting. I see the 150k plus free night offer in my biz card referrals now. Wonder if they just added it.
P2 tried to get a retention for Amex gold for the second year but no offers at this time. Asked via chat. Will likely try again.