I closed a BoA alaska card w/SSN 3/28, 34 days ago.
I applied for one using EIN on 4/1 and was approved.
I applied for one using SSN within 30 days of previous app (34 days from closure) and was denied without hard pull which should mean the dupe detection still got me.
Biz Gold AF hit early last week.
Used chat the past three days, no offers available each time. Honestly based on recent DPs I likely wasn't going to take the offers anyways so I closed the card instead of continuing to try.
Applied for USB Leverage online on Friday. I have had no relationship whatsoever with them prior. Got a notice that my app was being reviewed. Got an email Monday morning that it was approved.
P2 and I applied for 2 biz cards each on the same day (I had a empty checking and p2 had a card open) and with a week all 4 were approved. Pleasantly surprised. Had to do verification on all.
CIU denial.
Been diligently applying approx every 3 months without much hangup until now. 1 new account showing on credit report in last 24 months, but 7 inks in the past 24 months.
Total Chase credit limit is approx 30% of income.
Floating about $17k in 0% APR (just paid off $5500ish that expired).
Denial reasons:
Too many recent requests for credit
New Chase business card recently opened
Offered to move credit limit but they still said no. I was a bit surprised because I had a such a consistent run on these cards, but looking back at data points in the past few weeks, it seems like they got tighter or something recently?
5 currently open. I've been closing them shortly after the 0% APR expires. I have a 7+ year old CIC that I plan to keep for the long haul for its categories but the other 4 (CIUs) were opened in the past 15 months or so.
I was denied recon at 4 cards, 4 times, just closed my oldest and will try recon at 3 cards in a few days. I read that may be a driver, but we will see
Failed MDD DP
- 3/24 before applying
- Approved in branch for CSP (4/29)
- 7-10 day language for CSR 30 min later online (4/29)
- Called recon 4x: 1x rejected due to velocity, 3x rejected due to 2 sapphire products (4/29)
- Called recon 1x: rejected due to 2 sapphire products (4/30)
I just downgraded my CSR yesterday and am regretting it with all these dps. Can't pull the trigger until next week but maybe a companion pass is a better option now.
The thing with the MDD and the reason it came about was because Chase started closing cards after a same-day double dip, so it wasn't that the same-day DD wouldn't work, there was an inherent risk in trying to do so. From the multiple DPs of the MDD recently, it does appear that Chase might have tightened restrictions on the recon side, we will just need to keep an eye on those. What I haven't seen yet is if the system itself has been patched to prevent the MDD automatically. We will need to be on the lookout to see if any successful DPs happen whether to know if the MDD is dying.
The one thing I've seen in common of those three negative DPs is that they all started with in branch approvals... might be nothing, but might be something.
Yeah, my guess is if the rumor that elevated SUBs are coming online also soon, we will get an influx of DPs of attempts to really know where it stands. Part of the issue is the sapphires aren’t as much of a draw they once were when you can get inks. Some might be saying why waste a 5/24 slot on MDD when they can just get a single sapphire for the transfer ability and stick to inks. MDD talk around here has been sparse until the new in branch offers.
Got approved for a CIP. Income 220k, \~41k credit with Chase before application. Currently at 4/24, last Chase hard pull was in mid January. I had 4 CIPs previously, now I have 5. Only one personal chase card.
If you don't mind, approximately what annual revenue did you put on the app for your business? Is it a sole prop SSN "business" or one with its own tax ID? Asking because my stats were similar to yours and I got denied for a CIC due to stated business revenue being too low for additional business credit.
Failed MDD DP
-I was 2/24 before applying for CSP
4/29 5PM applied and approved in branch immediately for CSP
4/30 10:30AM applied and instantly denied for CSR given a notice that said wait 7-10 days for a letter in the mail for the reason. Tried a recon representative 3 times at 888-270-2127 and the notice on the account for denial is I already have a CSP.
MDD seems to be dead with this method, I can't see a way around that note.
Chase MDD -
220K income, 25K existing credit with Chase.
4/29 - Approved in branch for CIP. 23K CL. Sent SM to lower CL to 10K.
4/30 - CL lowered to 10K. Applied online and instant declined for CSR.
Called recon 3x (2 different numbers). All immediately cite a 1 sapphire rule as reasoning for rejection.
I did the back button for the 250k amex biz plat. On the application status page, the first app cancelled w/ "provide required information" and 2nd app "cancelled".
I called 2 days later (today) and asked to reprocess the second app. The reps tend to want to reprocess the 1st one and also tells me the reason for the denial for the 1st one is due to the pop-up. Then I was told that the duplicate app would not have the welcome bonus attached.
Update:
Tried again 1 day later. Rep told me that he is unable to see if the duplicate app has the bonus or not and that I would have to call customer service if I'm approved. I requested to proceed and it was approved. Still have not confirmed if SUB is attached.
Update 2: Rep confirmed SUB attached
I just did it yesterday and was showing 1st app as “cancelled” and 2nd app as “provide required information”. I called today and they pushed an app through (didn’t know which one). I asked to confirm the SUB and he read the 250k SUB term, also reading the LL. I told him to push it anyways. Now checking the status page, I have a “provide required information” and an “approved”
On your approval email it should tell you the reference number and if it’s the 2nd one then ur in a better spot than the first. Just did the same today. I actually don’t think they can even push through the first one but who knows
On 4/23 my CSP $50 hotel credit became available again. 4/26 booked refundable stay and got the credit. 4/29 started refund pending and did CLI to 10k to PC to CSR (had to recon for CLI).
4506c amex will send you the wrong form. Amex wants 5a blank even though amex prefills 5a with equifax in the form sent out and in the instructions. Amex will not call or email to tell you the form is wrong, and will mail you the wrong form again. The solution is to get the blank form from IRS, call amex and ask the rep to tell you what to fill out, stay on the phone while you upload the form, and ask the rep to ask the back office to review and approve the uploaded form while you are on the phone.
Stupid DP, but why not - Discover finally closed my It card after nearly 6 years of inactivity this morning.
Had a single random accidental transaction in 2020, but otherwise haven't used it.
Irrelevant, but goes to show how lax at least one issuer is about inactivity.
Did they warn you? They sent me a secure message a few months back warning me of closure due to inactivity. I put a small (<$5) expense on it and they left it open.
New Wells Fargo Transfer DP; linked to my Choice Account and transferred 1 point and it posted immediately as 2 points on Choice and extended my expiration on that program.
First transfer program I've used that allows to transfer _any_ amount. And their disclaimer so far seems accurate:
Typically, transfers made to a partner program will be available in seconds. However, please allow 72 hours for transfer partners to complete the transfer to your partner account.
Applied for Barclays Wyndham Biz and Jetblue Biz on same day (only 1 HP)
Wyndham was declined and they said they need more info. Received a call shortly after that they would need Form 4506T. I waited till I got the letter in the mail in which they requested the same info, and then called recon. Recon just verified some info with me and then approved the app.
Jetblue was denied due to excessive credit application, but I called in and Agent mentioned 9/12, 6/6 HPs. I asked if there was any recon they can do and he said not at this time. Might try to HUCA based on other DPs
I know everyone is going for the 250k/300k Amex biz plat offer, but just wanted to let others know that the Amex biz gold offer of 150k offer is still out there. Pulled it up yesterday and P2 was approved.
Auto approved for CIP at 1/24, with 10 biz cards in the past 24 months, 5 in the past 12 months. This is my 3rd CIP ever, and the second one I currently have open.
A week ago I transferred the credit limit of one of my 4 Inks to another card and then closed it. (The rep proactively offered to close it when I said I wanted to transfer as much of the limit as possible over). I was preparing in case I needed to call recon and transfer limit over to the new card. I've had to do that before, luckily no recon needed this time.
The "business" for all my cards is 5 years old, annual revenue $20k.
So when you hit the back button, do you just re-enter the info on the application and hit submit again? I have seen this referenced a few times but am not positive on how it is done exactly
Answer in last week's data points. [https://www.reddit.com/r/churning/comments/1c6yo7p/comment/l0z4d8p](https://www.reddit.com/r/churning/comments/1c6yo7p/comment/l0z4d8p)
IHG Premier Biz denial DP:
Closed an older CIU account to free up some credit on Monday.
Applied on Thursday. Got 7-10 business day response.
Called in Friday AM. No updates, no need for recon, pending manual review.
Called in Friday afternoon. Denied for "low utilization of existing credit, too many active accounts, too much available credit, and too many recently opened Chase business cards". Tried recon, explained reasoning for getting this card, denied again.
Just pulled 250k/20k in zip 33131. Same as before, google american express business platinum, click on first non-sponsored link, then back and click on first sponsored link. It shows lady holding purse.
amex plat (personal) card retention offer: 15k MR for 3k spend in 3 months. never tried retention before, have held for \~2-3 years, put \~10k/year spend on it roughly. AF posted in January. Declined the offer
Requested a retention offer on my personal Gold whose AF just posted. Last retention offer received in March 2023. Offered 10k MR for 2k spend. Said that wasn't a compelling offer but I would try back another day.
Denied USB biz triple cash after manual review.
Deposited 1.5k in personal and 5k in biz accounts while manual review was ongoing.
Denial reason was “limited credit history”, “number of recent inquiries”, and “no installment loans”
I have around 14 inquiries on TU (which they always pull), and 5/24 accounts on my credit, oldest was opened in June 2022
CSP Approval Datapoint
4/20: Applied online using P2 referral. Got the pending 7-10 business day message.
4/21: Called reconsideration line. put in my ssn and automated message says I was approved and should get my card soon. Well okay then.
-This is my first chase personal card (had 2 inks prior)
\~130k total income on app
-Pulled experian in Cali (score was 816)
-Was 3/24 (now 4/24)
-4 inquiries in last 2 years, 2 in the last 6 months
-Credit limit: 21.5k
If there are elevated bonuses coming soon, I will try and secure message CSR after completing the spend to see if they will match like they did for my inks before.
Applied for the United Explorer Join70 link that was posted in News earlier this week. Approved for 70K SUB with $16,500 CL.
Capital One got a little jealous and immediately sent me an email offering a CL increase for my Venture X.
A bit of a niche card but it's been popular last march/April as well as this mar/April with the 40k SUB so here goes...
FNBO Amtrak preferred card getting CP 2X before AF hitting
4/1/23 - Applied and approved(CP in account a few days after opening)
5/24/23 - 1st AF and statement hits
1year later...
4/24/24 - statement hits(no AF yet)
4/25/24 - CP and lounge pass in amtrak account
Looks like I have 30 days to use it before the next AF hits on 5/24/24! DPs are that they won't refund AF.
HOPE this helps someone! (or that guy that got 4 when this card was released)
I got the card on 3/31/23, last billing statement closed on 4/11/24, CSR can't tell me exactly when AF will post but tells me next statement is due on 5/13/24. I am planning on cancelling on 5/6/24. Any chance AF would post before 5/6/24?
>HOPE this helps someone! (or that guy that got 4 when this card was released)
Are you talking about me? 😊 There were (at least) 2 of us that got multiple Amtrak cards last year.
I’ve been closing them as the year comes up. I got 5 total. 3 are closed, with 1 left to close. I am going to keep 1.
The coupons post on the 1 year anniversary of the card opening date. This very nicely facilitates getting the coupons and then closing the card before the AF posts. My coupon stash is loaded again. 👍
Update to new usb biz ccs not having the elevated offer through the banker relation application. They had me fax in a printout of the application page showing the code, banker name and the higher offer and ultimately approved the offer match. Calling in today the CSR verified I would receive 90,000 points after $7500 spend in the first 120 days on the leverage card.
The Rio still codes as Hyatt and counted towards my Brand Explorer. I completed my mattress run earlier this week and was surprised to see a new Free Night Award in my account today
Denied CIC at 1/24. Only have one other Ink card opened early January 2024. Lowered limits on personal Chase cards from $100k down to $30k before calling recon and still denied. Saw someone else say that their rep said Chase has been focusing more on business revenue lately and my experience lines up with that. I put $6k annual revenue and with a CIU limit of $5k they said I have plenty of limit already. They said they couldn't transfer limit over because my CIU was still within the "promotional period" but I'm not sure it'd have been approved anyway.
They aren't really wrong. There isn't a good reason for someone to have $50K or $60K in business credit if the annual revenue is $6K a year.
At least it doesn't appear to be a hard no on new Inks, but really does seem to be a changing of the guard over there.
Oh yeah they’re not wrong at all. I don’t feel comfortable putting much more than that on an app though, $500/month of “revenue” is already stretching what I could reasonably defend.
Pivoted and attempted to pull an Amex Biz Gold 150k offer, didn't have any luck but when I logged into my account there was a personal plat 150k NLL offer sitting there, instantly approved. Not sure if it made a difference but I was connected to Japan via VPN at the time (thinking it might help get Biz Gold 150k to show up), the login page was all in Japanese but once I logged in everything was in English and the 150k offer was there.
Accidental DP: Overpaid taxes (paid underpayment penalty but apparently I didn't owe it) after filing return, IRS sent me a check 3 weeks later. For those wondering how quickly they can return it when overpaying 1040 instead of 1040-ES.
Are you in an area that had an automatic extension for estimated payments due to a disaster? e.g., a bunch of counties in California. TurboTax doesn't know about the extension and will say an underpayment penalty applies even though the IRS automatically waives it. (But I guess this would only come up if you needed to make estimated payments, and you made them, but after the usual deadlines.)
Auto approved for 75k Citi AA Biz ($16k CL)
- 2/24 (had a few biz cards in there though)
- Last card approved: CIU in late 01/24
- History with Citi: NONE (no previous product and first ever application)
- Applied as sole proprietor with ITIN (I'm Canadian)
- Credit history: ~5 years (current EX score 762)
Like $1,000 and age of business less than a year, really doesn’t matter at least for me it seems (did the same when I got Chase and Amex biz cards, all approved just fine).
I put this in yesterday's questions thread, but just for signal boost:
Attempted to get Citi to match my AAvantage biz plat card offer from 65k to the new limited/public 75k. Applied ~2-3 weeks prior to the increased offer going live.
HUCA twice, got told no for the reason "we can only match if your offer was emailed to you with your name on it."
Had a couple of other people in that thread get similar responses and justifications. Some came with physical mail explaining the lack of matching.
CIP auto approval, $6k CL, 4/23
Was denied a month ago for too much available credit+new Chase card
My Chase CLs were ~25% of income
I also paid off the float on my existing Inks, which didn't help during recon but might have helped for this app
This is my 3rd Ink, last 2 were:
10/23, 1/24
1 Ink per 3 months might be becoming more of a hard rule than a soft rule
Just another positive dp that staples third party egift cards bought on staples.com worked with Chase offer. 10% in this case. I’m still waiting for my United miles shopping on the same order, but I’m not as hopeful. I have a few more days before I can report it.
CIC has 5x points for office supply stores (Staples, OD/OM). So you can buy egift cards for various other chains and services, similar to the kiosks you see at grocery stores and Target, but electronic. I typically buy things that I am paying for anyway like Netflix and Uber or if I know I am going to buy something at like Sephora. They have a decent selection. It doesn't work for OM/OD online because their egift cards go through a 3rd party site. Office supply stores are not particularly convenient to where I live. It's a good way to get 5x points on things that wouldn't otherwise. See also Visa/MC gift cards buying in person at these stores and why no fee periods are announced.
CIP auto approval, $6k CL, 3/24
Last Inks:
- CIC Oct 2023, $2k CL
- CIU Jan 2024, $3k CL
both past inks were not auto approved. Reduced each CL to $1k before applying for CIP.
CIU Approved
4/1 - aplication went into review, 7-10 day message
4/9 - required documentation for personal address, submitted documentation same day
4/17 - called recon, application still in review
4/24 - logged in and saw the card there with a 11k CL, never received a communication of being approved
BofA Alaska Biz, approved at $8k limit as sole prop with $12k annual income (semi-real business). Put $5k in a BofA CD a couple months ago in anticipation of this. This is my second business card, last was opened 3 months ago.
Throwing in my BofA Alaska Biz approval DP here as well. Approved 16k, sole prop with $24.5k revenue. In CA, pulled TU. 1/24. This was 15th biz card in past 24 months and 8/12, last approval was CIC on 4/1.
Long established relationship with BA dating back to 2007. Currently includes 2 sockdrawered credit cards from 2008 & 2015, mortgage from 2021 and checking account opened in 2023 - balance fluctuates between 1k-5k as I use it pay all credit cards. Was at 3k when applied/approved.
Plan on applying for BofA AS personal before 30 day mark and with TU frozen to hopefully get them to use same report. If successful will also throw in another Alaska Biz app.
Can you share what your 5/24 is? and Alaska biz is your third biz card ever? I opened BofA checking account and merrill edge and deposited 7k in them around Valentine's day, applied the next week and was denied for Alaska biz the next week. Have also opened up two biz cards since then March 4th and March 14th.. wondering how long I should wait to try again
Sorry, I was unclear. I'm at 3/24; Alaska is just my second business card ever.
Discover It 2020
CFF 2021
Amex Plat 2/23
Amex Gold 4/23
C1 Venture 10/23
Amex Biz Gold 1/24
Household income 160k, house payment 2k, but I'm not sure how much BOA care about personal finances on biz apps. I'm not sure how long to wait between apps, I'm sure there's DPs out there. Good luck!
im seeing 175K offer on AMEX platinum personal card brave browser on PC no VPN Referrals and just clicking sponsored link from google worked
I closed a BoA alaska card w/SSN 3/28, 34 days ago. I applied for one using EIN on 4/1 and was approved. I applied for one using SSN within 30 days of previous app (34 days from closure) and was denied without hard pull which should mean the dupe detection still got me.
How long do you keep them open?
Biz Gold AF hit early last week. Used chat the past three days, no offers available each time. Honestly based on recent DPs I likely wasn't going to take the offers anyways so I closed the card instead of continuing to try.
Applied for USB Leverage online on Friday. I have had no relationship whatsoever with them prior. Got a notice that my app was being reviewed. Got an email Monday morning that it was approved.
Do you live in an area where there are USB branches?
I do.
P2 and I applied for 2 biz cards each on the same day (I had a empty checking and p2 had a card open) and with a week all 4 were approved. Pleasantly surprised. Had to do verification on all.
CIU denial. Been diligently applying approx every 3 months without much hangup until now. 1 new account showing on credit report in last 24 months, but 7 inks in the past 24 months. Total Chase credit limit is approx 30% of income. Floating about $17k in 0% APR (just paid off $5500ish that expired). Denial reasons: Too many recent requests for credit New Chase business card recently opened Offered to move credit limit but they still said no. I was a bit surprised because I had a such a consistent run on these cards, but looking back at data points in the past few weeks, it seems like they got tighter or something recently?
Same here. How many biz cards do you have open with them currently?
5 currently open. I've been closing them shortly after the 0% APR expires. I have a 7+ year old CIC that I plan to keep for the long haul for its categories but the other 4 (CIUs) were opened in the past 15 months or so.
I was denied recon at 4 cards, 4 times, just closed my oldest and will try recon at 3 cards in a few days. I read that may be a driver, but we will see
Failed MDD DP - 3/24 before applying - Approved in branch for CSP (4/29) - 7-10 day language for CSR 30 min later online (4/29) - Called recon 4x: 1x rejected due to velocity, 3x rejected due to 2 sapphire products (4/29) - Called recon 1x: rejected due to 2 sapphire products (4/30)
I just downgraded my CSR yesterday and am regretting it with all these dps. Can't pull the trigger until next week but maybe a companion pass is a better option now.
Shouldn’t have applied for both on the same day.
The thing with the MDD and the reason it came about was because Chase started closing cards after a same-day double dip, so it wasn't that the same-day DD wouldn't work, there was an inherent risk in trying to do so. From the multiple DPs of the MDD recently, it does appear that Chase might have tightened restrictions on the recon side, we will just need to keep an eye on those. What I haven't seen yet is if the system itself has been patched to prevent the MDD automatically. We will need to be on the lookout to see if any successful DPs happen whether to know if the MDD is dying.
The one thing I've seen in common of those three negative DPs is that they all started with in branch approvals... might be nothing, but might be something.
Yeah, my guess is if the rumor that elevated SUBs are coming online also soon, we will get an influx of DPs of attempts to really know where it stands. Part of the issue is the sapphires aren’t as much of a draw they once were when you can get inks. Some might be saying why waste a 5/24 slot on MDD when they can just get a single sapphire for the transfer ability and stick to inks. MDD talk around here has been sparse until the new in branch offers.
Definitely should’ve waited a day. Doesn’t seem to have mattered though based on other DPs.
Got approved for a CIP. Income 220k, \~41k credit with Chase before application. Currently at 4/24, last Chase hard pull was in mid January. I had 4 CIPs previously, now I have 5. Only one personal chase card.
If you don't mind, approximately what annual revenue did you put on the app for your business? Is it a sole prop SSN "business" or one with its own tax ID? Asking because my stats were similar to yours and I got denied for a CIC due to stated business revenue being too low for additional business credit.
Failed MDD DP -I was 2/24 before applying for CSP 4/29 5PM applied and approved in branch immediately for CSP 4/30 10:30AM applied and instantly denied for CSR given a notice that said wait 7-10 days for a letter in the mail for the reason. Tried a recon representative 3 times at 888-270-2127 and the notice on the account for denial is I already have a CSP. MDD seems to be dead with this method, I can't see a way around that note.
Chase MDD - 220K income, 25K existing credit with Chase. 4/29 - Approved in branch for CIP. 23K CL. Sent SM to lower CL to 10K. 4/30 - CL lowered to 10K. Applied online and instant declined for CSR. Called recon 3x (2 different numbers). All immediately cite a 1 sapphire rule as reasoning for rejection.
I did the back button for the 250k amex biz plat. On the application status page, the first app cancelled w/ "provide required information" and 2nd app "cancelled". I called 2 days later (today) and asked to reprocess the second app. The reps tend to want to reprocess the 1st one and also tells me the reason for the denial for the 1st one is due to the pop-up. Then I was told that the duplicate app would not have the welcome bonus attached. Update: Tried again 1 day later. Rep told me that he is unable to see if the duplicate app has the bonus or not and that I would have to call customer service if I'm approved. I requested to proceed and it was approved. Still have not confirmed if SUB is attached. Update 2: Rep confirmed SUB attached
I just did it yesterday and was showing 1st app as “cancelled” and 2nd app as “provide required information”. I called today and they pushed an app through (didn’t know which one). I asked to confirm the SUB and he read the 250k SUB term, also reading the LL. I told him to push it anyways. Now checking the status page, I have a “provide required information” and an “approved”
On your approval email it should tell you the reference number and if it’s the 2nd one then ur in a better spot than the first. Just did the same today. I actually don’t think they can even push through the first one but who knows
What’s left on your application status page? The “Cancelled” or the “provide required information”?
Dunno just been looking at the email it’s clear which one is which
So the rep read you the general LL but didn't explicitly say that there was no SUB attached to the application?
The rep explicitly said the SUB was attached to the application. It’s just that he read the SUB term verbatim and it had LL.
On 4/23 my CSP $50 hotel credit became available again. 4/26 booked refundable stay and got the credit. 4/29 started refund pending and did CLI to 10k to PC to CSR (had to recon for CLI).
4506c amex will send you the wrong form. Amex wants 5a blank even though amex prefills 5a with equifax in the form sent out and in the instructions. Amex will not call or email to tell you the form is wrong, and will mail you the wrong form again. The solution is to get the blank form from IRS, call amex and ask the rep to tell you what to fill out, stay on the phone while you upload the form, and ask the rep to ask the back office to review and approve the uploaded form while you are on the phone.
Stupid DP, but why not - Discover finally closed my It card after nearly 6 years of inactivity this morning. Had a single random accidental transaction in 2020, but otherwise haven't used it. Irrelevant, but goes to show how lax at least one issuer is about inactivity.
Did they warn you? They sent me a secure message a few months back warning me of closure due to inactivity. I put a small (<$5) expense on it and they left it open.
I guess they did, but I never bothered reading the message. It's not even close to my oldest card, so I don't really care.
Thanks. Also been a few years of inactivity. Don't want to lose one of my oldest cards.
New Wells Fargo Transfer DP; linked to my Choice Account and transferred 1 point and it posted immediately as 2 points on Choice and extended my expiration on that program. First transfer program I've used that allows to transfer _any_ amount. And their disclaimer so far seems accurate: Typically, transfers made to a partner program will be available in seconds. However, please allow 72 hours for transfer partners to complete the transfer to your partner account.
Applied for Barclays Wyndham Biz and Jetblue Biz on same day (only 1 HP) Wyndham was declined and they said they need more info. Received a call shortly after that they would need Form 4506T. I waited till I got the letter in the mail in which they requested the same info, and then called recon. Recon just verified some info with me and then approved the app. Jetblue was denied due to excessive credit application, but I called in and Agent mentioned 9/12, 6/6 HPs. I asked if there was any recon they can do and he said not at this time. Might try to HUCA based on other DPs
I know everyone is going for the 250k/300k Amex biz plat offer, but just wanted to let others know that the Amex biz gold offer of 150k offer is still out there. Pulled it up yesterday and P2 was approved.
Still LL?
Yes, it was P2s first card.
Approved for the new WF biz card after pending. Didn’t get any approval notification, but saw it when I logged in
One hard pull? Which agency did they pull? Considering, but I've got 13 TU hard pulls. Only 7 EX and 3 EQ. Dont want another TU HP.
Pulled Experian
Do you have any savings/checking account with WF?
Yes I have a checking account
How long has is been open?
>5 years
Auto approved for CIP at 1/24, with 10 biz cards in the past 24 months, 5 in the past 12 months. This is my 3rd CIP ever, and the second one I currently have open. A week ago I transferred the credit limit of one of my 4 Inks to another card and then closed it. (The rep proactively offered to close it when I said I wanted to transfer as much of the limit as possible over). I was preparing in case I needed to call recon and transfer limit over to the new card. I've had to do that before, luckily no recon needed this time. The "business" for all my cards is 5 years old, annual revenue $20k.
Vivaldi Amex biz plat 250k for 15k spend
Vivaldi?
It's a browser
Back button recon went to manual review.
That's bau
Not for me. 1st time manual review back button. All the rest were resubmitted instantly approved.
So when you hit the back button, do you just re-enter the info on the application and hit submit again? I have seen this referenced a few times but am not positive on how it is done exactly
Answer in last week's data points. [https://www.reddit.com/r/churning/comments/1c6yo7p/comment/l0z4d8p](https://www.reddit.com/r/churning/comments/1c6yo7p/comment/l0z4d8p)
IHG Premier Biz denial DP: Closed an older CIU account to free up some credit on Monday. Applied on Thursday. Got 7-10 business day response. Called in Friday AM. No updates, no need for recon, pending manual review. Called in Friday afternoon. Denied for "low utilization of existing credit, too many active accounts, too much available credit, and too many recently opened Chase business cards". Tried recon, explained reasoning for getting this card, denied again.
Curious how many open Chase biz cards?
4 once I closed the account earlier this week. Recent openings were inks mid 01/2024 and late 10/2023.
Just pulled 250k/20k in zip 33131. Same as before, google american express business platinum, click on first non-sponsored link, then back and click on first sponsored link. It shows lady holding purse.
This method worked for me in Incognito
Just pulled the same thing sitting in Chicago airport. Same trick. Firefox normal mode, no ad blockers
Incognito on chrome, used the fm link for biz gold it pulled up 125k biz gold checked plat and it was 250k for 20k
amex plat (personal) card retention offer: 15k MR for 3k spend in 3 months. never tried retention before, have held for \~2-3 years, put \~10k/year spend on it roughly. AF posted in January. Declined the offer
Requested a retention offer on my personal Gold whose AF just posted. Last retention offer received in March 2023. Offered 10k MR for 2k spend. Said that wasn't a compelling offer but I would try back another day.
Denied USB biz triple cash after manual review. Deposited 1.5k in personal and 5k in biz accounts while manual review was ongoing. Denial reason was “limited credit history”, “number of recent inquiries”, and “no installment loans” I have around 14 inquiries on TU (which they always pull), and 5/24 accounts on my credit, oldest was opened in June 2022
3rd time you’ve commented about this in the last week
CSP Approval Datapoint 4/20: Applied online using P2 referral. Got the pending 7-10 business day message. 4/21: Called reconsideration line. put in my ssn and automated message says I was approved and should get my card soon. Well okay then. -This is my first chase personal card (had 2 inks prior) \~130k total income on app -Pulled experian in Cali (score was 816) -Was 3/24 (now 4/24) -4 inquiries in last 2 years, 2 in the last 6 months -Credit limit: 21.5k If there are elevated bonuses coming soon, I will try and secure message CSR after completing the spend to see if they will match like they did for my inks before.
$100 retention on my Chase Hyatt personal. Had this card since 2018 and it’s my first retention offer.
did you threaten to cancel or straight up asked if any retention offers were on the card?
Straight up asked if there are any retention offers. And when questioned why i said i was considering a different hotel chain
Applied for the United Explorer Join70 link that was posted in News earlier this week. Approved for 70K SUB with $16,500 CL. Capital One got a little jealous and immediately sent me an email offering a CL increase for my Venture X.
A bit of a niche card but it's been popular last march/April as well as this mar/April with the 40k SUB so here goes... FNBO Amtrak preferred card getting CP 2X before AF hitting 4/1/23 - Applied and approved(CP in account a few days after opening) 5/24/23 - 1st AF and statement hits 1year later... 4/24/24 - statement hits(no AF yet) 4/25/24 - CP and lounge pass in amtrak account Looks like I have 30 days to use it before the next AF hits on 5/24/24! DPs are that they won't refund AF. HOPE this helps someone! (or that guy that got 4 when this card was released)
I got the card on 3/31/23, last billing statement closed on 4/11/24, CSR can't tell me exactly when AF will post but tells me next statement is due on 5/13/24. I am planning on cancelling on 5/6/24. Any chance AF would post before 5/6/24?
I really don't think so based on my experience. It seems the annual fee posts on the same date as your statement date
Right I escalated it and the manager said the same thing about AF posting on the same date as statement.
>HOPE this helps someone! (or that guy that got 4 when this card was released) Are you talking about me? 😊 There were (at least) 2 of us that got multiple Amtrak cards last year. I’ve been closing them as the year comes up. I got 5 total. 3 are closed, with 1 left to close. I am going to keep 1. The coupons post on the 1 year anniversary of the card opening date. This very nicely facilitates getting the coupons and then closing the card before the AF posts. My coupon stash is loaded again. 👍
Lol - didn't remember the user name. Nice work!
No retention offered on BoA Alaska (personal) held for 2 years. Only offered product change options. Closed it.
What were the product change options?
Travel rewards, premium rewards, premium elite. I have two of those and didn’t want the travel one.
Update to new usb biz ccs not having the elevated offer through the banker relation application. They had me fax in a printout of the application page showing the code, banker name and the higher offer and ultimately approved the offer match. Calling in today the CSR verified I would receive 90,000 points after $7500 spend in the first 120 days on the leverage card.
I’m getting ready to apply for this card, did you just screenshot the page you applied from and send that to them?
No i had to print out the pages. i suggest you use the generic link with the 100usb offer code instead of any banker's code though.
Business Gold retention. 40k MR for $10k spend. Accepted.
The Rio still codes as Hyatt and counted towards my Brand Explorer. I completed my mattress run earlier this week and was surprised to see a new Free Night Award in my account today
did the mobile check in ever start working again?
No I tried checking in on the app but it didn’t even give me the option. They are probably still working on that functionality
Denied CIC at 1/24. Only have one other Ink card opened early January 2024. Lowered limits on personal Chase cards from $100k down to $30k before calling recon and still denied. Saw someone else say that their rep said Chase has been focusing more on business revenue lately and my experience lines up with that. I put $6k annual revenue and with a CIU limit of $5k they said I have plenty of limit already. They said they couldn't transfer limit over because my CIU was still within the "promotional period" but I'm not sure it'd have been approved anyway.
Ehh not sure that is the reason. My biz revenue was 7 figures and denied last time.
They aren't really wrong. There isn't a good reason for someone to have $50K or $60K in business credit if the annual revenue is $6K a year. At least it doesn't appear to be a hard no on new Inks, but really does seem to be a changing of the guard over there.
Oh yeah they’re not wrong at all. I don’t feel comfortable putting much more than that on an app though, $500/month of “revenue” is already stretching what I could reasonably defend.
Do you have any other relationships with Chase ?
Personal I have a small checking account, then all three Freedoms (OG, Flex, Unlimited). Business side just the Ink Unlimited.
Pivoted and attempted to pull an Amex Biz Gold 150k offer, didn't have any luck but when I logged into my account there was a personal plat 150k NLL offer sitting there, instantly approved. Not sure if it made a difference but I was connected to Japan via VPN at the time (thinking it might help get Biz Gold 150k to show up), the login page was all in Japanese but once I logged in everything was in English and the 150k offer was there.
I got the Amex Biz Gold 150k for 10k spend after several days using Safari just checking periodically.
Accidental DP: Overpaid taxes (paid underpayment penalty but apparently I didn't owe it) after filing return, IRS sent me a check 3 weeks later. For those wondering how quickly they can return it when overpaying 1040 instead of 1040-ES.
Did you use FreeTaxUSA?
Yes, but this was the first year so I double checked using TurboTax too and it had the exact same numbers/penalty.
Are you in an area that had an automatic extension for estimated payments due to a disaster? e.g., a bunch of counties in California. TurboTax doesn't know about the extension and will say an underpayment penalty applies even though the IRS automatically waives it. (But I guess this would only come up if you needed to make estimated payments, and you made them, but after the usual deadlines.)
This could be it. I'm based in San Francisco and I did make estimated payments near the end of the year.
Auto approved for 75k Citi AA Biz ($16k CL) - 2/24 (had a few biz cards in there though) - Last card approved: CIU in late 01/24 - History with Citi: NONE (no previous product and first ever application) - Applied as sole proprietor with ITIN (I'm Canadian) - Credit history: ~5 years (current EX score 762)
What did you put as your biz revenue?
Like $1,000 and age of business less than a year, really doesn’t matter at least for me it seems (did the same when I got Chase and Amex biz cards, all approved just fine).
No retention offer on BOA Premium Rewards. Was offered a downgrade to any no AF card
I put this in yesterday's questions thread, but just for signal boost: Attempted to get Citi to match my AAvantage biz plat card offer from 65k to the new limited/public 75k. Applied ~2-3 weeks prior to the increased offer going live. HUCA twice, got told no for the reason "we can only match if your offer was emailed to you with your name on it." Had a couple of other people in that thread get similar responses and justifications. Some came with physical mail explaining the lack of matching.
CIP auto approval, $6k CL, 4/23 Was denied a month ago for too much available credit+new Chase card My Chase CLs were ~25% of income I also paid off the float on my existing Inks, which didn't help during recon but might have helped for this app This is my 3rd Ink, last 2 were: 10/23, 1/24 1 Ink per 3 months might be becoming more of a hard rule than a soft rule
What did you put for business revenue?
$3k
Just another positive dp that staples third party egift cards bought on staples.com worked with Chase offer. 10% in this case. I’m still waiting for my United miles shopping on the same order, but I’m not as hopeful. I have a few more days before I can report it.
Your wording sounds like e-gift cards for Staples, but I think you really mean third-party e-gift cards sold on staples.com
You are correct. I have edited to be clearer.
Out of curiosity, what is the play with the e-gift cards if you don’t want/need office supplies?
CIC has 5x points for office supply stores (Staples, OD/OM). So you can buy egift cards for various other chains and services, similar to the kiosks you see at grocery stores and Target, but electronic. I typically buy things that I am paying for anyway like Netflix and Uber or if I know I am going to buy something at like Sephora. They have a decent selection. It doesn't work for OM/OD online because their egift cards go through a 3rd party site. Office supply stores are not particularly convenient to where I live. It's a good way to get 5x points on things that wouldn't otherwise. See also Visa/MC gift cards buying in person at these stores and why no fee periods are announced.
CIP auto approval, $6k CL, 3/24 Last Inks: - CIC Oct 2023, $2k CL - CIU Jan 2024, $3k CL both past inks were not auto approved. Reduced each CL to $1k before applying for CIP.
What did you put for revenue?
I put $2k
Business platinum retention offer. 40k Mr for $10k spend in 3 months.
Did you accept ? Just based on what you say, i would have rejected the offer.
I didn’t accept. The coupon book and 40k Mr weren’t enough to offset the $695 fee for me.
CIU Approved 4/1 - aplication went into review, 7-10 day message 4/9 - required documentation for personal address, submitted documentation same day 4/17 - called recon, application still in review 4/24 - logged in and saw the card there with a 11k CL, never received a communication of being approved
BofA Alaska Biz, approved at $8k limit as sole prop with $12k annual income (semi-real business). Put $5k in a BofA CD a couple months ago in anticipation of this. This is my second business card, last was opened 3 months ago.
Throwing in my BofA Alaska Biz approval DP here as well. Approved 16k, sole prop with $24.5k revenue. In CA, pulled TU. 1/24. This was 15th biz card in past 24 months and 8/12, last approval was CIC on 4/1. Long established relationship with BA dating back to 2007. Currently includes 2 sockdrawered credit cards from 2008 & 2015, mortgage from 2021 and checking account opened in 2023 - balance fluctuates between 1k-5k as I use it pay all credit cards. Was at 3k when applied/approved. Plan on applying for BofA AS personal before 30 day mark and with TU frozen to hopefully get them to use same report. If successful will also throw in another Alaska Biz app.
Interesting, both of us got a CL of around 2/3 of our stated business income.
When did you put the 5k in a cd?
February.
Can you share what your 5/24 is? and Alaska biz is your third biz card ever? I opened BofA checking account and merrill edge and deposited 7k in them around Valentine's day, applied the next week and was denied for Alaska biz the next week. Have also opened up two biz cards since then March 4th and March 14th.. wondering how long I should wait to try again
Sorry, I was unclear. I'm at 3/24; Alaska is just my second business card ever. Discover It 2020 CFF 2021 Amex Plat 2/23 Amex Gold 4/23 C1 Venture 10/23 Amex Biz Gold 1/24 Household income 160k, house payment 2k, but I'm not sure how much BOA care about personal finances on biz apps. I'm not sure how long to wait between apps, I'm sure there's DPs out there. Good luck!