Churners Digest

Companion post on my blog

• ~20% Uber Gift Cards

• https://www.doctorofcredit.com/target-circle-15-off-uber-giftcards/

• My recent applications

• Bank of America Premium Rewards Elite elevated 75k points for $5k in 3 months.

• Link here

• See for links on what counts for $300 airline credit (AA gift cards)

• Net value after AF of $1.1k when maxed out due to double dips

• Applied & approved no problem at 10/24 and 6/12 (max for BofA w/ relationship). If you can meet the MS, I recommend this over PR

• $150 lifestyle credit has not tracked for HBO Max $150 payment

• Called CS, rep said it should count and they submitted a request to get it reviewed and manually credited. Will update if it hits

• Applied 6/20/2023, MSR met 7/7/2023, $750 points posted same day

• Keep in mind BofA 12 month rule & others

• https://www.doctorofcredit.com/things-everybody-should-know-about-bank-of-america/

• Chase Amazon Prime Visa $200 no spend

• Referral

• Applied at 10/24, initially sent to pending, called and found correct recon department. Card does not apply to 5/24 rule but will count towards 5/24

• Rep quoted my denial reason (too many new apps OR too high limit with Chase). Explained I opened cards recently for travel coming up and wanted this new card for Amazon prime day. Asked to reallocate credit limits from other cards (have $21.3k with them). Reallocated and approved

• Rep seemed very skeptical of my file but willing to help

• Plan on applying to more cards until I finally get declined since my profile is already LOL

• Bank SUBs hit my account

• bankHometown $250, waiting on $50 EOY

• https://www.doctorofcredit.com/ma-bankhometown-200-checking-bonus/#comment-1650033

• PNC $400

• https://www.doctorofcredit.com/pnc-up-to-250-400-checking-bonus/#comment-1628164

• Will be closing account soon

• Capital One 360 Performance Savings

• 90 day holding period over, will move money out to Juno for 5%

• https://www.doctorofcredit.com/capital-one-100-500-savings-bonus-requires-10000-100000-deposit/

• Capital One Venture 100k points links floating around. If you find one, get it!

• https://www.doctorofcredit.com/capital-one-venture-100000-point-bonus/

• Free $50 with Capital One shopping at Staples

• https://www.doctorofcredit.com/ymmv-capital-one-shopping-50-back-on-staples-purchase/

• I have this but Ink does not work. Be sure to read terms & conditions

• Laurel Road $300 + $20/m SUB

• https://www.doctorofcredit.com/laurel-road-300-checking-bonus-25-per-month-available-nationwide-must-be-a-nurse/

• Wells Fargo $325 SUB

• https://www.doctorofcredit.com/wells-fargo-325-checking-bonus-available-online/

• Expired 75% off DoorDash max $20 value

• https://www.doctorofcredit.com/doordash-promo-codes-25-off-with-25off4u-20-maximum-savings/

• Remove old Chase card then add new one and you can get another 3 months

• Thinking of opening business for this podcast mainly to venture into Business accounts

• Free Slurpee

• https://www.doctorofcredit.com/7-eleven-free-small-slurpee-until-7-10-another-on-7-11/

• Amazon Prime Day coming up

• I will prob buy a Kindle Oasis

• Check YMMV CC points on Amazon promo codes

• https://www.doctorofcredit.com/amazon-shop-with-points-deals-renewed-through-prime-day-up-to-200-in-savings/

• MooMoo referral

• https://invite-code.moomoo.com/share?code=LNMRJFFM&inviter=73494782&global_content=%7B%7D&channel=4&subchannel=

• $320-$460 after parking $5k

• https://www.doctorofcredit.com/moomoo-invest-sign-up-get-a-free-stock-worth-3-200/

• Network Change BofA CCR to MC for Curve support

• PCed PR to CCR. Not allowed to PC and network change in same transaction. Card arrived in mail, called and did network change. Will receive card in 2-4 weeks. AFAIK only available for CCR

• https://fearthez.wordpress.com/2023/05/20/topic-episode-curve-x-bofa-5-25-cash-back-on-all-spend/

• $15 back on $25+ w/ GRUBPRIME at GrubHub 7/11-7/12

• https://www.doctorofcredit.com/amazon-prime-free-year-of-grubhub/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Apologies about the mic pops. I’ve got a pop filter on the way :( Companion post: https://fearthez.wordpress.com/?p=1000 Airbnb gift cards https://www.doctorofcredit.com/target-com-purchase-200-in-airbnb-giftcards-get-20-target-giftcard-for-free/ https://www.doctorofcredit.com/best-buy-buy-200-airbnb-giftcard-get-20-free-best-buy-giftcard-2/ Uber Gift Cards https://www.doctorofcredit.com/best-buy-buy-200-airbnb-giftcard-get-20-free-best-buy-giftcard-2/ (active) https://www.doctorofcredit.com/newegg-100-uber-egiftcard-for-90-limit-10/ https://www.doctorofcredit.com/giftcards-com-save-10-15-on-selected-giftcards-uber-petsmart-more/ (active) New CCs Wells Fargo Active Cash $200 $500 spend 3 month 15 month 0% $3k limit Apple Card The link on Apple's site should explicitly mention the $75 on any purchase bonus. Try incognito if it's not showing, I am still able to get it to show https://www.doctorofcredit.com/apple-card-75-signup-bonus-when-you-spend-75-at-nike/ $150 SUB $75 spend + a McChicken $3k limit Weird behavior with Curve and SUB. FNBO Evergreen $200 $1k spend 3 months $22.5k limit Call to apply Card Images page: https://fearthez.wordpress.com/2022/01/23/card-designs/ Ocean First Bank 1099 Abington Bank https://www.doctorofcredit.com/ma-only-abington-bank-200-checking-bonus/ Denied (Chex) People First CU https://www.doctorofcredit.com/pa-only-people-first-federal-credit-union-200-checking-bonus/ No response after sending ID. According to comments mailing online account credentials Lost Wallet Bellroy wallet (10% RetailMeNot) Tile (10% TopCashBack) Top Cash Back BlueApron $75 offer for a box max 5 meals 2 “servings” for $59, $16 money maker Double dip? Doesn’t check email to match TopCashBack account, can churn (I have done this 3 times for $202.76 total and $155 claimed $2.50 incentive for $15 spend https://www.doctorofcredit.com/topcashback-get-3-bonus-when-you-spend-10-today-only/ Can purchase gift cards or double dip on the BlueApron deal https://www.topcashback.com/topcashback-gift-cards/ Referral $10 https://www.topcashback.com/ref/fearthez Epic HBO Incident https://www.doctorofcredit.com/topcashback-73-back-on-hbo-max-stack-with-25-from-amex-offer-for-free-annual-membership/ Google Settlement https://www.doctorofcredit.com/google-search-referrer-headers-class-action-settlement/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Welcome to this weeks episode! This is a topic episode and apologies to those who want churning nes, but it is time for the apartment rant I promised in Episode Three., If you don’t want to hear me complain about my old apartment complex, tune out now. New Churnersd Digest episode coming soon with three CC app DPs, bank churn updates, some GC purchases I made and more. Thanks Kleed for motivation to make this episode - hard time getting motivated so thanks for all your contacts Update on last week, I said BofA business could work but it can’t, different categories. Apologies Disclaimer: I am intentionally trying to not disclose the apartment company in full. Please do not try to find the complex. If you do, I do not condone sending them any hate or messages. I plan on leaving a public review on their pages at some point. This is not intended to be a witch hunt so please do not send any hate to this company. The blog post text is too large to fit here so I will just provide links to the post: https://fearthez.wordpress.com/?p=973 --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

UPDATE: I said that the business version of the CCR would work for this. I failed to notice that the 3% categories on that card are different than the personal so it won't work for the internet category 5.25% flos Welcome new listers from /r/churning! Text companion on fearthez.wordpress.com and blog.simplefinances.net/fearthez Old Percents vs Curve post How to get max Requires Curve card (email me for referral [email protected]) & Bank of America Customized Cash card Customized cash lets you choose your category: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings Online shopping includes all online purchases made online excluding some categories listed in this doc Curve “hack” - all purchases show up as online shopping category for 3% (note the Y for Online Shopping and this was purchased in person with my Curve Card) When using curve, you are not paying directly with your BofA card but with your Curve card first. Then Curve charges BofA which, to BofA, looks like an online purchase because it basically is (kind of like to PayPal or Shopify platform) Preferred Rewards earns you a 25%-75% boost on cash back - 3.75%-5.25% (my brief coverage of this is in this post under Bank of America) Can hold multiple Customized Cash. Each has a max quarterly spend in the category (including the 2% for wholesale and groceries) of $2.5k Caveats: has to be MC variant of Customized Cash because Curve doesn't support Visa at the moment Business variant is MasterCard You can hold multiple Customized Cash cards. List of Customized Cash variants (all Visa now and some no longer available) I was told by CS rep that I could PC my Premium Rewards card to a MC Customized Cash but YMMV I was also told that I could convert my existing Visa Customized Cash to a MasterCard but again YMMV Curve is releasing Visa support “in the coming weeks” which I have little faith in but we shall see Upcoming: Churning for Dummies: very low level basics of churning & intro options to do for beginners Ness Well review Churners Digest Ep 5 Apartment Rant --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Shout out Tom R for the motivation! Discover SUB https://www.doctorofcredit.com/discover-savings-150200-bonus-1500020000-deposit-new-exp-103117/ CapOne SUB https://www.doctorofcredit.com/capital-one-100-500-savings-bonus-requires-10000-100000-deposit/#comment-1581807 Ness card www.nesswell.com https://www.doctorofcredit.com/ness-wellness-credit-card-50000-point-500-bonus-349-annual-fee/ Oxygen https://fearthez.wordpress.com/2022/08/22/oxygen-bank-convoluted-yet-elegant/ https://www.doctorofcredit.com/oxygen-fintech-110-referral-bonus-for-each-party-requires-direct-deposit/ Referral: https://go.onelink.me/vjPj/?af_js_web=true&af_ss_ver=2_1_1&pid=af_app_invites&c=OxygenUserinvites&af_channel=owned&af_sub1=1420461&af_siteid=com.oxygenbank&url_timestamp=2023-04-30_17:19:51&af_referrer_customer_id=1420461&is_retargeting=true bankHometown https://www.doctorofcredit.com/ma-bankhometown-200-checking-bonus/ USBank Business bonus https://www.doctorofcredit.com/u-s-bank-750-business-checking-bonus-2/ Moomoo referral ~$40 value $1k for 60 days https://j.moomoo.com/00xcZv PNC bonus https://www.doctorofcredit.com/pnc-up-to-250-400-checking-bonus/ BBBY bankrupt Albert x Curve Albert: https://fearthez.wordpress.com/2022/01/30/albert-neobank-overview/ Curve: https://fearthez.wordpress.com/2022/11/23/one-card-to-rule-them-all-but-which-is-better-curve-vs-percents-cross-post/ Chase My Bonus https://www.chase.com/mybonus CSP 80k in branch I think it'll go to 100k https://www.doctorofcredit.com/chase-sapphire-preferred-80000-points-signup-bonus-via-referral-link/ KeyBank www.doctorofcredit.com/unknown-location-restrictions-keybank-200-checking-bonus/ Apple purchases Macbook Air M1 256 8 $600 Ebay 3 Apple TV 4k 128gb 3rd gen ~$100 I-Bonds 3.4% +.9% = 4.3% May https://www.doctorofcredit.com/new-i-bonds-rate-announced-4-30-3-40-variable-rate-90-fixed-rate/ I will probably hold through this rate because of no state tax Upcoming: Ness review talking to CEO and Product Manager Moving, post trashing complex --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Paceline update

• https://www.doctorofcredit.com/paceline-credit-card-to-shut-down-apple-watch-statement-credits-ending/

Nation wide SUB Wells Fargo

• https://www.doctorofcredit.com/wells-fargo-325-checking-bonus-available-online/

$525 WellsFargo in branch savings bonus

• https://www.doctorofcredit.com/wells-fargo-525-savings-bonus-with-25000-deposit-in-branch/

Target Circle Week

• https://www.doctorofcredit.com/target-circle-week-march-5-11-get-free-year-of-tripadvisor-plus-99-value/

RED card churning 

• https://www.doctorofcredit.com/apply-for-a-new-target-redcard-debit-credit-and-get-40-off-40-shopping-trip-11-1-12-26/

Amex SUBs

• https://www.doctorofcredit.com/american-express-excellent-increased-offers-via-referrals-for-both-referrer-new-member-platinum-gold-blue-cash-preferred/

SVB

• https://www.fdic.gov/news/press-releases/2023/pr23016.html
• https://www.reddit.com/r/OutOfTheLoop/comments/11n88pd/what_is_the_deal_with_silicon_valley_bank/jbm60a7/

Chase higher SUBs ending

• https://www.doctorofcredit.com/a-number-of-chase-credit-card-bonuses-get-lowered-on-march-19th-freedom-united-slate-ink/

CSP 90k in branch SUB

• https://www.doctorofcredit.com/starts-3-19-chase-sapphire-preferred-90000-in-branch-signup-bonus/

Enzo no cash back?

MA Sports Betting Legal, get SUBs

• https://sportsbook.draftkings.com/r/sb/fearthez/US-MA-SB
  • Two “no brainer” bets bet $50 win $100 Nuggets to hit a 3 and Celtics to score a point

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

• Percents RIP
  https://www.allyourcardsinone.com/
• Curve Metal
• ICONIC shutting down 2/22
  https://www.heyiconic.com/
• Oxygen 1099
  https://www.doctorofcredit.com/oxygen-bank-account-review-cashback-boosts/#comment-1555629
• Enzo debit bill pay cash back
  www.joinenzo.com
  https://usa.visa.com/content/dam/VCOM/download/merchants/visa-usa-interchange-reimbursement-fees.pdf
• Chase CLI in app no hard pull
  https://www.doctorofcredit.com/chase-allowing-credit-limit-increases-via-app-without-hard-credit-pull/
• Paceline shutting down
  https://www.doctorofcredit.com/paceline-credit-card-to-shut-down-apple-watch-statement-credits-ending/
• CapOne 1099s
  https://www.doctorofcredit.com/capital-one-counts-tsa-precheck-credits-other-courtesy-credits-on-form-1099-misc/
  https://www.doctorofcredit.com/capital-one-counts-tsa-precheck-credits-other-courtesy-credits-on-form-1099-misc/#comment-1557193
• Chicken lawsuit
  https://www.doctorofcredit.com/chicken-class-action-settlement-january-1-2012-july-31-2019/
• Celsius lawsuit
  https://www.celsiusclassactionsettlement.com/
• Juno Crypto 10k JCOIN promo
• Juno JCOIN gift cards
  https://juno.finance/jcoin-explorer

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support