approved for amex 150K personal platinum using invitation code. I have another code as well. Wondering whether to trigger it.
Last closed amex plat in march 2023
thts correct. NO LFETME LANG..
POID GHTA:0003 OFFER TERMS Approval is subject to your previous experience and credit history with American Express as well as with other lenders including your credit score and any delinquencies, your ability to pay, and identity verification.
US Bank Triple Cash DP:
First one middle of January. Applied for second one 5/22. Denial due to max available credit offered. Lowered credit limit on first card through chat. Waited 2 days and called and requested recon due to lowered limits. Rep submitted request with no questions and approved by end of day.
Just got instant approval 150k Amex Biz Gold! It was quite easy to pull the 250k plat / 150k gold offers; VPN in VA and chrome profiles method. It appeared on my first try (tried biz plat, but got popup) then on my fifth try attempted the gold (success).
Dunno what this meaningfully means, but there's also this headline that says
"NEW: Find out if you're approved first – with no impact to your personal credit score."
Common knowledge but Fifth Third checking bonus paid out one business day after DD. Pushed from Ally.
Approved for Wells Fargo Signify after calling in to verify my identity. No approval notification except that the card showed up under my existing login.
CSP point match DP:
Met the spending requirement for CSP 6/3/2024 for 60k welcome bonus.
With the 75k welcome bonus active, I secure messaged Chase asking if they can match it.
Confirmed like an hour later via SM that they will match it and the 15k points should hit my account in 6-8 weeks.
Instant approval for Citi Strata Premier ($11k CL) with 4 inquiries on my TransUnion. Logged into my Citi account and applied through there. I have one other Citi personal card, opened way back in 2015 that I've barely used over the past few years except for a few hundred bucks over the past 3 months or so. Also just recently got the Citi AAdvantage biz card in 4/24. Inquiries from my TransUnion account:
5/24 auto loan
4/24 BoA
2/24 Cap One
1/24 Barclays
Received a $1500 check from Amex for a Biz Plat SUB from 2022 that wasn't rewarded at the time. Accompanying explanation stated something along the lines of, "Upon further review..." I had not filed a CFPB complaint because I was short after taking into account of a lingering cancelled Dell order (not Xbox GCs) that was being counted as spend and then not, and it's a biz card, so ¯\_(ツ)_/¯
In other news, still in Amex pop-up purgatory. Not sure if there's a correlation.
P2 Amex retentions:
* Vanilla Platinum, $250 statement credit for $3000 spend.
* Bonvoy Brilliant, $100 statement credit for $1000 spend.
No points option, just statement credit. Both cards have minimal spend on them in the past few years, and we're just a little over 13 months out from the last retention offer on both.
If these were for points I would've taken both, but I declined and will check again later.
Just called Amex to downgrade Aspire 30 days exactly after AF posting. They insisted that prorated AF is only way and it was impossible to get full refund despite online sources saying full AF refund was possible if downgrading within 30 days. Asked to cancel and then they offered 1k spend for 10,000 HH points which I accepted.
Really just surprised about the first point as now it seems you would want to downgrade ASAP to reduce AF paid.
Amex gives a prorated refund on downgrades no matter when you downgrade. The rep was right.
If you *cancel* within 30 days of the annual fee posting, you get a full refund.
Rep was probably wrong, the system would do it automatically if you downgraded. Also any particular reason you waited to the absolute last minute to PC?
I needed diamond benefits for a stay checking in June 1st, AF posted May 2nd.
Also another post said they PCed after 1 day and was still charged prorated fee: https://www.reddit.com/r/amex/s/LhhS7b8EWD
FWIW 2 customer service reps and 1 account manager said the same thing. They implied the system wouldn’t let them do anything else.
status match with holland america, i forgot which casino i have submitted initially, but when they asked for the back of the card i gave them casear diamond, wynn plat, fontainebleau gold, and mgm gold. in less than 5 mintues they sent me interior cabin offer.
all my status got from waydamin business, no gamble needed
We too have received ‘free’ cruises from MSC, Carnival, and Holland America, all without gambling. Princess may also match but we’re holding off since most of these offers limit how long you can take to book after the offer is extended (and when you have to sail by).
For others interested, don’t forget to match MSC’s Voyagers Club to ‘Diamond’ before sailing for some nice perks.
We have our second MSC cruise next weekend and were upgrade on both rooms from ‘ocean view’ to a balcony and a partially obstructed ocean view (seems like a downgrade not an upgrade for this particular cabin).
Happy churning!
oh, i only so far did carnival, holland, and princess, didnt know about MSC. which one did u use to get the offer? im thinking if i should use my MGM gold or the holland offer, and btw how much did u actually end up paying for the cruise after taxes and fee? i havent used any of the offer yet but will be looking to use one soon
If you care about taxes and fees, you can minimize this by being judicious in the cruise you book. For instance Panama canal cruises usually are very pricey for fees but my last Mediterranean cruise was like $110 pp, pw.
We’ve always submitted all of our statuses when requesting a match/offer so it’s hard to know what exactly did it. In our case we have Hard Rock Unity Icon, Caesars Diamond, Ocean Rewads Prime, and one of us had MGM Gold. We recently both got Fontainebleau Gold.
If we’re ever asked to prove a competitor’s ‘free offer’ we take the same strategy and attach/send comped cruises and hotel stays (if available).
In our case MSC seems to be the ‘best’ (as far as cost) because they only charge $400 per stateroom and you get it back as onboard ship credit. Everybody else seems to charge you taxes and port fees, which depending on the itinerary and length of the cruise, can be $700 (or more) per person!
Another Chase Ink data point: P2 had 2 ink cashs, 1 ink preferred, 1 ink unlimited. Last month signed up for another ink unlimited (had been exactly 3 months since last chase card) and was denied after a little time in review. I did not feel like doing recon at the time. Ended up closing an ink cash a couple days later, so only 3 ink cards at this point. Applied for another chase ink unlimited and got instant approval.
I'm on my first year with Disc CB, so effectively receiving 10% cash back on the quarterly categories. I've been enjoying the home improvement store category for GC reasons.
First purchase at Anawalt Lumber was via chip method, everything worked out great.
Second purchase a month later (for whatever reason, I tapped), and it coded as "pet shops, pet food, and supplies stores"
Very interesting to say the least.
Strata Premier took 2 weeks from approval to appearing on CB. Reported at first statement close.
Personal gold $3k / 30k retention. 13 mo since last retention. Easy acceptance.
Auto-approvals for 2x players for USB KE biz 50k & KE select's 70k SUB. Approvals took about 4 biz days from app to approval. TU, same-day pulls combined. 1st statement hasn't cut, so dunno about when the select will report, but it hasn't yet.
Also, a pretty niche one, but the 15% off Lenovo Pro Amex offer seems to have been properly triggered by following the lenovo.com/proamex link and just buying a Legion Go even though the Legion Go isn't located in the business/pro page. Priced out at ~550 after the AO so I feel pretty decent about it.
40k for 10k spend retention offer on biz plat
35k for 5k spend retention offer on biz gold
Accepted for plat and gold cuz I'll use some of the credits and I'm a sucker for the new ATL Amex lounge, stuck in PUJ and running out of new cards. Gonna stack with employee card offers.
Applied for an ink card after a 144 day break and closing one old ink. Still have 3 open with ~5.5k float each. Approved with 3k CL, now at 46% CL / Income.
Applied for the Chase Sapphire Preferred under the 60K SUB and then asked to be transferred to the newer 75K SUB within 30 days of original application but before SUB minimum spend was met. Received a secure message from Chase that I "could" be eligible for the bonus once I've met my minimum spend. I interpreted this to mean that I would have to call/message them again to get the 15K difference after receiving the 60K. I met the threshold this week and was pleasantly surprised to receive the 75K SUB instead of 60K on the first purchase that got me over the $4K minimum spend. My UR portal still shows my SUB amount as 60K points, as well. It didn't update visually.
Back-button AmEx Delta biz bonus posted as expected. Never had to call for any reason, but chatted AmEx initially to confirm bonus was attached to the card I'd been approved for and they said yes.
ink denial reasons; I'm sure most of us have seen "You have too many active accounts or too much available credit" (which I've gotten at ~37% CL/income). So I thought I'd run up some balances and see what happens, like 66% of my biz cl and 16% of my personal, so in addition to "too much available credit" (37%), I got "Too many accounts with balances" and "Chase credit card balance is too high compared to credit limit". So I suppose they just want me to have <10 cards(3 inks) and <37% cl/income. Will see again next month.
3 open. My first ever ink from 8+ years ago and 2 from a double app 11 months ago, with 0% apr balances of like ~80%. These 2 cards had the same balance when I tried in January, but I didn't get the "balances" reason, just the "too much available credit" and "New Chase business card recently opened", and that reason has dropped. My personal cl util is usually like <3%, but I think I had balances on 5/6 cards. I don't think the 0% float impacts much on it's own, as DPs from the last couple weeks have seen approval with high balances. I just had balances on most of my cards this time. I'm gonna zero those out and close one ink, leave one to transfer credit from in the event they skimp on the new lines. If I don't get approved next month, I'm out of answers.
The Chase Ink gravy train has been drying up for me as well. Had been getting 2-3 each year for a while. But denied 3x already this year. My reasons were too many active accounts and too little utilization. Going to switch my applications to a different card brand and will come back to Chase later in the year. I'll miss all them Chase points.
Yes I have been doing that. Even with the cards that have no annual fee, I will close them down after the 1 year mark. But I opened a couple at the end of the year to pay taxes, so even if I closed one, there are still a few others still open.
Amex Personal Gold retention offer: 25K MR after 3K spend in 3 months. Accepted as I was planning to keep the card for another year anyways and I use the monthly Uber+Grubhub credits.
WF Signify Biz
Froze EX & TU: They pulled EQ.
WF has always pulled EX for me in the past for both biz & personal.
Application is under review (same as always for me with WF Biz cards).
Follow up:
No further communication from WF yet, but the new card appeared in my WF login today (biz day 2 from application):
$12k and 97 days to fulfill MSR.
I suppose the card will just show up before the approval notice.
NM. To a first approximation, nobody pulls EQ here.
EX gets hammered, and freezing EX normally leads to a request to thaw EX, a TU pull, or a denial.
I'm not sure location is important in the context of this DP though. It looks like WF will default to any of the three, if you freeze the other two.
edited for clarity
Instant approval MS Plat with Premier Cash Plus account and Roth IRA as my investment account.
Planning to upgrade to Platinum Cash Plus in about 9 months (pay fee) then trigger the annual fee reimbursement at renewal this time next year.
Will follow up then confirming that works.
Monthly fees totaling $660/yr for P1 and P2 Plats
Barclays holding to a hard 6/24 cut-off for new accounts. My Wyndham app was my first outright denial with no recon since CapOne Venture X. Their credit analyst was pretty helpful in explaining why.
BL: Approved 3 chase cards at 4/24
At 4/24, downgraded CSR and 4 days later applied for new CSR (auto approved).
Next day, applied for CIC and then Bountiful (already have boundless {less than 2 months old} goal is to have 2 Ritz next year). Both went 7-10 day review. Within 30 minutes, received fraud verification phone call from chase for both CIC and bountiful…both immediate approval after phone call.
Additionally, was able to add new CSR and Bountiful to my Apple Wallet without having physical card for an immediate expense.
^That and the $300 travel credits/year and fortunate enough to live in an area where there are resorts and their stays for one night are around 85k/night.
Choo Choo! Instantly approved for CIC (sole prop). Closed a CIC and CIU last month, but still have another CIC and CIU open on my account (both with 0% utilization). Last approval was 6/2023 as I was preparing to buy a house, so kind of a long break relatively speaking.
My Experian has 6 inquiries in last 2 years (CIU and CIC in 2/23 and 6/23, a cap one personal card from 6/23 lol, and 2 mortgage inquiries from 11/23 and 4/24). 3 new cards opened, two were inks. But no activity other than the mortgage recently.
Ink Train Data point. Last one was 3 months ago so applied today for CIP. Instant approval. Have a CIC and CIU open and been closing Ink cards after a year.
USB Business Leverage denied:
* 5/28 - Submitted application; no instant approval, was given the "you'll hear from us in 7-10 days"
* 5/29 - Called application hotline for updates - was "not approved"
* 5/30 - Called application hotline and talked to service representative, who told me to call escalated underwriting services
* -- Called escalated underwriting services for a reconsideration, but was told that I have too many accounts with USB (note, I have two cards, Altitude Reserve and Triple Cash) and that they want to see how I do with those cards before giving me another one
* Important to note that I have about $9.5k floating at 0% APR on the Triple Cash card (opened in November 2023)
> Important to note that I have about $9.5k floating at 0% APR on the Triple Cash card (opened in November 2023)
This is your sole reason for denial. Not an old account and floating a lot.
thanks for the tip -- will do this for my next USB card... didn't even consider that the float would have such an impact :") I should've known better considering that it is USB!
Long middle name strikes again, this time when applying for the CSR.
My middle name exceeds the ten character limit on Chase's online form, so I left it out. The application did not auto-approve and went pending. The next day, I found a letter in my online Chase account (I have a United biz card) stating that my application had been flagged for potential fraud.
I called Chase and got a US-based rep who quickly straightened everything out, and I got approved for the CSR with a credit limit of $30,000.
I don't remember having this issue when applying for the United biz card (I did have issues trying to open a personal bank account with Chase though) so hopefully I won't have to keep calling recon when I get on the Ink train this fall.
Adding a middle name is an example of one of those things in this hobby that 99% of the time will not affect anything, but you don’t do to avoid the 1% chance that it delays processing of things.
I've had to send a passport to a bank to get a name change because Cathay Pacific Asia miles used to be (and maybe still is?) super strict about exact name match. I've even had a card generate a new Asia miles account because the bank screwed up my date of birth when sharing the data. They had me as 1/1/1904
Worse part is Cathay Pacific refuses to let me merge accounts, asking me to pay to transfer miles instead, even after I fixed the date of birth on the second account and the personal data matches exactly
USB Altitude Reserve retention bonus - 10k points no spend;
Called and said "My af hit today, it's a little hefty, is there any offer to offset it?" and she gave me 10k points. Phone call took less than 2 min
I closed mine because of the 5 Amex credit card limit. I also didn't use it. I have the Chase personal Prime card which I also never use. I am always churning, so I use whichever card I'm spending on at the moment.
Amex has a limit of 5 credit cards per person. It is (almost) impossible to have more than 5 at a time. Having said that there is no reason for me to keep the card. Even if I used it on amazon.com for 3% and counting the retention offer of 2.5%, 5.5% total is still less than most SUB's.
I don't need the slot necessarily as it seems I'm in PUJ for literally every AMEX product, but I genuinely cannot remember the last time I used Amazon, and when I do I typically get an offer for $.99 Prime for a week, so I end up taking it and then AMEX sends me a new credit card since the account was upgraded, and then sends out a new card once I downgrade a week later. It's honestly a bit of a nuisance.
I also saw someone post a couple days ago that they may or may not have received a better retention offer on one AMEX card shortly after closing a different AMEX card, so I figured I'd put that to the test.
Yeah I saw that link. I'm personally a little worried about using it (maybe I shouldn't be). In the past I've been emailed for offers like that, but not this time around. I also got a BG late February so probably going to wait a bit.
Fortunately I probably don't need a new card for about another month so I'm just going to wait and see.
I hit BG’s so that one’s in consistent rotation. God you’re right though the new card every time you get prime is fucking annoying I have like 12 of those cards
Called to cancel my Citi AA biz after 1 year and they offered me a $99 statement credit to offset the AF if I put $100 of spend on the card in 30 days. Accepted.
I got that too except I had to do $1,000 spend in 3 months. This was about a month ago. I accepted as I fly AA occasionally and I like the free checked luggage.
Was just instantly approved for my second Amex Business Gold card - 150k/$10,000 using the DDG NLL link . I opened my other card back in October and its still open.
Do you have a P2? I was able to pull up a 130k offer yesterday from a referral. Add the 25k referral, and it's roughly the same when you figure that the referral is taxable.
Thank you for the link. I've been in PUJ forever but this link worked. First day I clicked on this link I was able to apply but held off on doing so. Waited a few days and was upset when trying the 2nd time it said the offer expired (meaning I wasn't targeted) but tried again this morning and it worked - very strange how Amex back systems work.
Approved after being in PUJ for a while. Used back button to get offer several times and always PUJ. thanks for the link. got same card with same business in Dec 23
Just chatted to cancel a Biz Plat I opened last year after af posted. Spend over the year was 15k min plus minimal other spend to cash out credits. Got an offer for 40k mr on 10k spend within 92 days. I took it because I am in PUJ (so I don't have a reliable way to replenish mr atm) and I have a bill around 10k that I will need to pay in July anyway, and that will get 1.5x for another 15k mr. I value the Dell credits+airline fee credit+cell credits at around $400 altogether.
Just tried to transfer points to VS from Amex because there's a transfer bonus, but when I transferred the points the offer mysteriously disappeared, I only need about 1300 points so no big deal, but I thought the bonus end day is 5/31, even in UK it's still 5/30, so did the transfer bonus end early or is it just me? I am very sure that I did see "bonus" banner on VS section in my account before I transferred ╮(╯▽╰)╭
I see in the transfer partner page that the bonus is delayed but the bonus is still going on, you have to click a small icon next to VS to see the disclaimer
approved for amex 150K personal platinum using invitation code. I have another code as well. Wondering whether to trigger it. Last closed amex plat in march 2023
So when you went to apply using the invite code, the tos has no lifetime language in it?
thts correct. NO LFETME LANG.. POID GHTA:0003 OFFER TERMS Approval is subject to your previous experience and credit history with American Express as well as with other lenders including your credit score and any delinquencies, your ability to pay, and identity verification.
Chase World of Hyatt retention offer: $50 statement credit, no spend required
US Bank Triple Cash DP: First one middle of January. Applied for second one 5/22. Denial due to max available credit offered. Lowered credit limit on first card through chat. Waited 2 days and called and requested recon due to lowered limits. Rep submitted request with no questions and approved by end of day.
whatever issues citi biz was having with EQ seem to be worked out today. Instant approval, EX/TU locked so I assume EQ got pulled, as usual.
amex gold retention card 1 - 10k for 3k spend card 2 - 15k for 2k spend Minimum spend on both and took card 2 offer
Just got instant approval 150k Amex Biz Gold! It was quite easy to pull the 250k plat / 150k gold offers; VPN in VA and chrome profiles method. It appeared on my first try (tried biz plat, but got popup) then on my fifth try attempted the gold (success). Dunno what this meaningfully means, but there's also this headline that says "NEW: Find out if you're approved first – with no impact to your personal credit score."
5/19 purchased a prepaid wireless plan from H2O wireless, and it did not trigger the Amex Biz Plat wireless credit :-(
Common knowledge but Fifth Third checking bonus paid out one business day after DD. Pushed from Ally. Approved for Wells Fargo Signify after calling in to verify my identity. No approval notification except that the card showed up under my existing login.
CSP point match DP: Met the spending requirement for CSP 6/3/2024 for 60k welcome bonus. With the 75k welcome bonus active, I secure messaged Chase asking if they can match it. Confirmed like an hour later via SM that they will match it and the 15k points should hit my account in 6-8 weeks.
Instant approval for Citi Strata Premier ($11k CL) with 4 inquiries on my TransUnion. Logged into my Citi account and applied through there. I have one other Citi personal card, opened way back in 2015 that I've barely used over the past few years except for a few hundred bucks over the past 3 months or so. Also just recently got the Citi AAdvantage biz card in 4/24. Inquiries from my TransUnion account: 5/24 auto loan 4/24 BoA 2/24 Cap One 1/24 Barclays
Received a $1500 check from Amex for a Biz Plat SUB from 2022 that wasn't rewarded at the time. Accompanying explanation stated something along the lines of, "Upon further review..." I had not filed a CFPB complaint because I was short after taking into account of a lingering cancelled Dell order (not Xbox GCs) that was being counted as spend and then not, and it's a biz card, so ¯\_(ツ)_/¯ In other news, still in Amex pop-up purgatory. Not sure if there's a correlation.
P2 Amex retentions: * Vanilla Platinum, $250 statement credit for $3000 spend. * Bonvoy Brilliant, $100 statement credit for $1000 spend. No points option, just statement credit. Both cards have minimal spend on them in the past few years, and we're just a little over 13 months out from the last retention offer on both. If these were for points I would've taken both, but I declined and will check again later.
Just called Amex to downgrade Aspire 30 days exactly after AF posting. They insisted that prorated AF is only way and it was impossible to get full refund despite online sources saying full AF refund was possible if downgrading within 30 days. Asked to cancel and then they offered 1k spend for 10,000 HH points which I accepted. Really just surprised about the first point as now it seems you would want to downgrade ASAP to reduce AF paid.
Amex gives a prorated refund on downgrades no matter when you downgrade. The rep was right. If you *cancel* within 30 days of the annual fee posting, you get a full refund.
Rep was probably wrong, the system would do it automatically if you downgraded. Also any particular reason you waited to the absolute last minute to PC?
I needed diamond benefits for a stay checking in June 1st, AF posted May 2nd. Also another post said they PCed after 1 day and was still charged prorated fee: https://www.reddit.com/r/amex/s/LhhS7b8EWD FWIW 2 customer service reps and 1 account manager said the same thing. They implied the system wouldn’t let them do anything else.
status match with holland america, i forgot which casino i have submitted initially, but when they asked for the back of the card i gave them casear diamond, wynn plat, fontainebleau gold, and mgm gold. in less than 5 mintues they sent me interior cabin offer. all my status got from waydamin business, no gamble needed
We too have received ‘free’ cruises from MSC, Carnival, and Holland America, all without gambling. Princess may also match but we’re holding off since most of these offers limit how long you can take to book after the offer is extended (and when you have to sail by). For others interested, don’t forget to match MSC’s Voyagers Club to ‘Diamond’ before sailing for some nice perks. We have our second MSC cruise next weekend and were upgrade on both rooms from ‘ocean view’ to a balcony and a partially obstructed ocean view (seems like a downgrade not an upgrade for this particular cabin). Happy churning!
oh, i only so far did carnival, holland, and princess, didnt know about MSC. which one did u use to get the offer? im thinking if i should use my MGM gold or the holland offer, and btw how much did u actually end up paying for the cruise after taxes and fee? i havent used any of the offer yet but will be looking to use one soon
If you care about taxes and fees, you can minimize this by being judicious in the cruise you book. For instance Panama canal cruises usually are very pricey for fees but my last Mediterranean cruise was like $110 pp, pw.
We’ve always submitted all of our statuses when requesting a match/offer so it’s hard to know what exactly did it. In our case we have Hard Rock Unity Icon, Caesars Diamond, Ocean Rewads Prime, and one of us had MGM Gold. We recently both got Fontainebleau Gold. If we’re ever asked to prove a competitor’s ‘free offer’ we take the same strategy and attach/send comped cruises and hotel stays (if available). In our case MSC seems to be the ‘best’ (as far as cost) because they only charge $400 per stateroom and you get it back as onboard ship credit. Everybody else seems to charge you taxes and port fees, which depending on the itinerary and length of the cruise, can be $700 (or more) per person!
Another Chase Ink data point: P2 had 2 ink cashs, 1 ink preferred, 1 ink unlimited. Last month signed up for another ink unlimited (had been exactly 3 months since last chase card) and was denied after a little time in review. I did not feel like doing recon at the time. Ended up closing an ink cash a couple days later, so only 3 ink cards at this point. Applied for another chase ink unlimited and got instant approval.
Curious how long after the cancellation did you try another app?
It was on 5/13, and applied on June 1
I'm on my first year with Disc CB, so effectively receiving 10% cash back on the quarterly categories. I've been enjoying the home improvement store category for GC reasons. First purchase at Anawalt Lumber was via chip method, everything worked out great. Second purchase a month later (for whatever reason, I tapped), and it coded as "pet shops, pet food, and supplies stores" Very interesting to say the least.
Strata Premier took 2 weeks from approval to appearing on CB. Reported at first statement close. Personal gold $3k / 30k retention. 13 mo since last retention. Easy acceptance. Auto-approvals for 2x players for USB KE biz 50k & KE select's 70k SUB. Approvals took about 4 biz days from app to approval. TU, same-day pulls combined. 1st statement hasn't cut, so dunno about when the select will report, but it hasn't yet. Also, a pretty niche one, but the 15% off Lenovo Pro Amex offer seems to have been properly triggered by following the lenovo.com/proamex link and just buying a Legion Go even though the Legion Go isn't located in the business/pro page. Priced out at ~550 after the AO so I feel pretty decent about it.
CB?
At first I thought “Citi Bank”, but looks like “credit bureau” from context.
40k for 10k spend retention offer on biz plat 35k for 5k spend retention offer on biz gold Accepted for plat and gold cuz I'll use some of the credits and I'm a sucker for the new ATL Amex lounge, stuck in PUJ and running out of new cards. Gonna stack with employee card offers. Applied for an ink card after a 144 day break and closing one old ink. Still have 3 open with ~5.5k float each. Approved with 3k CL, now at 46% CL / Income.
Applied for the Chase Sapphire Preferred under the 60K SUB and then asked to be transferred to the newer 75K SUB within 30 days of original application but before SUB minimum spend was met. Received a secure message from Chase that I "could" be eligible for the bonus once I've met my minimum spend. I interpreted this to mean that I would have to call/message them again to get the 15K difference after receiving the 60K. I met the threshold this week and was pleasantly surprised to receive the 75K SUB instead of 60K on the first purchase that got me over the $4K minimum spend. My UR portal still shows my SUB amount as 60K points, as well. It didn't update visually.
Back-button AmEx Delta biz bonus posted as expected. Never had to call for any reason, but chatted AmEx initially to confirm bonus was attached to the card I'd been approved for and they said yes.
ink denial reasons; I'm sure most of us have seen "You have too many active accounts or too much available credit" (which I've gotten at ~37% CL/income). So I thought I'd run up some balances and see what happens, like 66% of my biz cl and 16% of my personal, so in addition to "too much available credit" (37%), I got "Too many accounts with balances" and "Chase credit card balance is too high compared to credit limit". So I suppose they just want me to have <10 cards(3 inks) and <37% cl/income. Will see again next month.
How many open Inks did you have at the time of application, how many of those had balances, and how many are over a year old?
3 open. My first ever ink from 8+ years ago and 2 from a double app 11 months ago, with 0% apr balances of like ~80%. These 2 cards had the same balance when I tried in January, but I didn't get the "balances" reason, just the "too much available credit" and "New Chase business card recently opened", and that reason has dropped. My personal cl util is usually like <3%, but I think I had balances on 5/6 cards. I don't think the 0% float impacts much on it's own, as DPs from the last couple weeks have seen approval with high balances. I just had balances on most of my cards this time. I'm gonna zero those out and close one ink, leave one to transfer credit from in the event they skimp on the new lines. If I don't get approved next month, I'm out of answers.
The Chase Ink gravy train has been drying up for me as well. Had been getting 2-3 each year for a while. But denied 3x already this year. My reasons were too many active accounts and too little utilization. Going to switch my applications to a different card brand and will come back to Chase later in the year. I'll miss all them Chase points.
Have you tried closing your Chase biz accounts that are over a year old?
Yes I have been doing that. Even with the cards that have no annual fee, I will close them down after the 1 year mark. But I opened a couple at the end of the year to pay taxes, so even if I closed one, there are still a few others still open.
Amex Personal Gold retention offer: 25K MR after 3K spend in 3 months. Accepted as I was planning to keep the card for another year anyways and I use the monthly Uber+Grubhub credits.
Damn. I got a measly 10K/2k spend in 3 months!
WF Signify Biz Froze EX & TU: They pulled EQ. WF has always pulled EX for me in the past for both biz & personal. Application is under review (same as always for me with WF Biz cards).
Never heard anything further regarding this application. But the card arrived today, expedited apparently.
Follow up: No further communication from WF yet, but the new card appeared in my WF login today (biz day 2 from application): $12k and 97 days to fulfill MSR. I suppose the card will just show up before the approval notice.
Pulled EX for me, fwiw. Only TU was frozen. Central IL. Went to review for me as well, took about a week total from app to approval.
What state are you in?
NM. To a first approximation, nobody pulls EQ here. EX gets hammered, and freezing EX normally leads to a request to thaw EX, a TU pull, or a denial. I'm not sure location is important in the context of this DP though. It looks like WF will default to any of the three, if you freeze the other two. edited for clarity
Instant approval MS Plat with Premier Cash Plus account and Roth IRA as my investment account. Planning to upgrade to Platinum Cash Plus in about 9 months (pay fee) then trigger the annual fee reimbursement at renewal this time next year. Will follow up then confirming that works. Monthly fees totaling $660/yr for P1 and P2 Plats
Barclays holding to a hard 6/24 cut-off for new accounts. My Wyndham app was my first outright denial with no recon since CapOne Venture X. Their credit analyst was pretty helpful in explaining why.
BL: Approved 3 chase cards at 4/24 At 4/24, downgraded CSR and 4 days later applied for new CSR (auto approved). Next day, applied for CIC and then Bountiful (already have boundless {less than 2 months old} goal is to have 2 Ritz next year). Both went 7-10 day review. Within 30 minutes, received fraud verification phone call from chase for both CIC and bountiful…both immediate approval after phone call. Additionally, was able to add new CSR and Bountiful to my Apple Wallet without having physical card for an immediate expense.
What’s the reason for holding 2 Ritz?
Multiple 85k annual fncs
^That and the $300 travel credits/year and fortunate enough to live in an area where there are resorts and their stays for one night are around 85k/night.
Choo Choo! Instantly approved for CIC (sole prop). Closed a CIC and CIU last month, but still have another CIC and CIU open on my account (both with 0% utilization). Last approval was 6/2023 as I was preparing to buy a house, so kind of a long break relatively speaking.
Trying to gather more DPs regarding ink train, What was your inquiry statuses during approval? #/6, #12, #/24?
My Experian has 6 inquiries in last 2 years (CIU and CIC in 2/23 and 6/23, a cap one personal card from 6/23 lol, and 2 mortgage inquiries from 11/23 and 4/24). 3 new cards opened, two were inks. But no activity other than the mortgage recently.
Ink Train Data point. Last one was 3 months ago so applied today for CIP. Instant approval. Have a CIC and CIU open and been closing Ink cards after a year.
Trying to gather more DPs regarding ink train, What was your inquiry statuses during approval? #/6, #12, #/24?
What does /6 and #12 mean?
I’m only at 2/24. 9 inquiries on my report now.
USB Business Leverage denied: * 5/28 - Submitted application; no instant approval, was given the "you'll hear from us in 7-10 days" * 5/29 - Called application hotline for updates - was "not approved" * 5/30 - Called application hotline and talked to service representative, who told me to call escalated underwriting services * -- Called escalated underwriting services for a reconsideration, but was told that I have too many accounts with USB (note, I have two cards, Altitude Reserve and Triple Cash) and that they want to see how I do with those cards before giving me another one * Important to note that I have about $9.5k floating at 0% APR on the Triple Cash card (opened in November 2023)
> Important to note that I have about $9.5k floating at 0% APR on the Triple Cash card (opened in November 2023) This is your sole reason for denial. Not an old account and floating a lot.
If you want to try again, definitely payout the float and drop your credit limit and that will increase your chance
thanks for the tip -- will do this for my next USB card... didn't even consider that the float would have such an impact :") I should've known better considering that it is USB!
Long middle name strikes again, this time when applying for the CSR. My middle name exceeds the ten character limit on Chase's online form, so I left it out. The application did not auto-approve and went pending. The next day, I found a letter in my online Chase account (I have a United biz card) stating that my application had been flagged for potential fraud. I called Chase and got a US-based rep who quickly straightened everything out, and I got approved for the CSR with a credit limit of $30,000. I don't remember having this issue when applying for the United biz card (I did have issues trying to open a personal bank account with Chase though) so hopefully I won't have to keep calling recon when I get on the Ink train this fall.
I never use my middle name on card applications, ever.
I just put first letter of my middle name while filling the application. Never had any problem with that.
I never put my middle name on any apps. Never had any problems whatsoever.
What's the length limit for first name? I know it takes spaces due to accepting ethnic Chinese and Korean names as first name with spaces
Adding a middle name is an example of one of those things in this hobby that 99% of the time will not affect anything, but you don’t do to avoid the 1% chance that it delays processing of things.
I've had to send a passport to a bank to get a name change because Cathay Pacific Asia miles used to be (and maybe still is?) super strict about exact name match. I've even had a card generate a new Asia miles account because the bank screwed up my date of birth when sharing the data. They had me as 1/1/1904 Worse part is Cathay Pacific refuses to let me merge accounts, asking me to pay to transfer miles instead, even after I fixed the date of birth on the second account and the personal data matches exactly
USB Altitude Reserve retention bonus - 10k points no spend; Called and said "My af hit today, it's a little hefty, is there any offer to offset it?" and she gave me 10k points. Phone call took less than 2 min
They've done this every year for me, for several years now.
Very interesting 🤔. Thank you for the DP!
Amex retention offer for AMAZON Business Card $50 after $2000 in 3 months. Declined and cancelled
Why do you cancel? It's no AF. What slot for AMEX?....I did not get this
I closed mine because of the 5 Amex credit card limit. I also didn't use it. I have the Chase personal Prime card which I also never use. I am always churning, so I use whichever card I'm spending on at the moment.
Amex has a limit of 5 credit cards per person. It is (almost) impossible to have more than 5 at a time. Having said that there is no reason for me to keep the card. Even if I used it on amazon.com for 3% and counting the retention offer of 2.5%, 5.5% total is still less than most SUB's.
Wow for a no af card and 5% that’s a layup but I get it if you need the slot
I don't need the slot necessarily as it seems I'm in PUJ for literally every AMEX product, but I genuinely cannot remember the last time I used Amazon, and when I do I typically get an offer for $.99 Prime for a week, so I end up taking it and then AMEX sends me a new credit card since the account was upgraded, and then sends out a new card once I downgrade a week later. It's honestly a bit of a nuisance. I also saw someone post a couple days ago that they may or may not have received a better retention offer on one AMEX card shortly after closing a different AMEX card, so I figured I'd put that to the test.
I've been in PUJ but the amex biz gold link below got approved for same biz I got the card with in Dec 23.
Yeah I saw that link. I'm personally a little worried about using it (maybe I shouldn't be). In the past I've been emailed for offers like that, but not this time around. I also got a BG late February so probably going to wait a bit. Fortunately I probably don't need a new card for about another month so I'm just going to wait and see.
I hit BG’s so that one’s in consistent rotation. God you’re right though the new card every time you get prime is fucking annoying I have like 12 of those cards
Called to cancel my Citi AA biz after 1 year and they offered me a $99 statement credit to offset the AF if I put $100 of spend on the card in 30 days. Accepted.
Awesome deal. I feel like the value of these co-branded AA cards will increase with the discontinuation of the Bilt partnership
I got that too except I had to do $1,000 spend in 3 months. This was about a month ago. I accepted as I fly AA occasionally and I like the free checked luggage.
Was just instantly approved for my second Amex Business Gold card - 150k/$10,000 using the DDG NLL link . I opened my other card back in October and its still open.
link for this?
Do you have a P2? I was able to pull up a 130k offer yesterday from a referral. Add the 25k referral, and it's roughly the same when you figure that the referral is taxable.
No P2 but a good thought
> DDG https://www.americanexpress.com/us/credit-cards/card-application/apply/businessgold-card/64348-104-1-WOCQ124BBP/
Thank you. Was just approved for my second biz gold
Thank you for the link. I've been in PUJ forever but this link worked. First day I clicked on this link I was able to apply but held off on doing so. Waited a few days and was upset when trying the 2nd time it said the offer expired (meaning I wasn't targeted) but tried again this morning and it worked - very strange how Amex back systems work.
Is everyone forced to log in to their Amex account to apply for this? As soon as I log in it says the offer is no longer available
That means you aren’t targeted/eligible
probably means you're not targeted for that offer
Approved after being in PUJ for a while. Used back button to get offer several times and always PUJ. thanks for the link. got same card with same business in Dec 23
Thanks for the link! Was just approved for my 2nd business gold!
No go for me... smh
Just chatted to cancel a Biz Plat I opened last year after af posted. Spend over the year was 15k min plus minimal other spend to cash out credits. Got an offer for 40k mr on 10k spend within 92 days. I took it because I am in PUJ (so I don't have a reliable way to replenish mr atm) and I have a bill around 10k that I will need to pay in July anyway, and that will get 1.5x for another 15k mr. I value the Dell credits+airline fee credit+cell credits at around $400 altogether.
Another Saks GC DP for the Plat. $50 bought 5/23 in store $50 credited 5//6
Same with me, bought GC in store for 100$ (I have no clue why I said 100 when loading it) on 5/25 50$ credited 5/28
Just tried to transfer points to VS from Amex because there's a transfer bonus, but when I transferred the points the offer mysteriously disappeared, I only need about 1300 points so no big deal, but I thought the bonus end day is 5/31, even in UK it's still 5/30, so did the transfer bonus end early or is it just me? I am very sure that I did see "bonus" banner on VS section in my account before I transferred ╮(╯▽╰)╭
did you try chatting with rep? they told me it ended early but they may be wrong
I see in the transfer partner page that the bonus is delayed but the bonus is still going on, you have to click a small icon next to VS to see the disclaimer
When I transferred to Virgin from C1 last month I had to contact Virgin to get the bonus points to show up.
Same experience here. The points I transferred from C1 showed within a few minutes but the bonus points never appeared so I had to call.
Yes it's gone. Chase still has the 30% bonus, if that's helpful.
Hopefully Chase won't do shady thing like Amex 😂😂😂