Churners Digest

Companion Post

Disclaimer: I am not a financial advisor. This is not financial advice. This is for entertainment purposes only. Enjoy!

• Shout-out the madman and legend Kleed for being a patreon supporter!

• Soon the site will be ad free!

• Call out Google Podcast, PocketCasts (removes white noise), Apple Podcasts & Overcast 

• Demographics! - See screenshot on companion blog post!

• Revived articles

• 2022 Spending Recap: I Spent Too Much Money

• Can Visa Signature's Roadside Assistance Replace AAA?

• One Card To Rule Them All, But Which Is Better? Curve vs Percents

• Highlighted Article

• Card Designs

• Liberty Bank SUB for $200 DP

• Venmo $5 on $50+ Amazon purchase (targeted, maybe works for GCs?)

• PNC Cash Rewards Increased SUB

• $200 after $1k spend in 3 months, plus double cash back first year if opened in branch

• Wells Fargo Active Cash Increased SUB

• $300 for $1.5k spend in 3m

• Costco removes Discover from online shopping

• Can get around with Curve (my writeup) (podcast episode including Curve info) (DoC discussion on Curve as a way around this)

• No more multiple Citi Custom Cash cards

• Capital One $350 checking SUB

• DD $250 twice in 75 days for $350

• Credit Card Losses Rising At Fastest Rate Since Great Financial Crisis - CNBC & /u/Econ0mist

• Goldman Sachs hurting after Apple Card snafu

• 9/25 free 4 at home COVID tests

• Wesbanco $400 checking bonus (WV, PA, OH, IN, KY, MD)

• DD $500+ in 60 for $400

• AnnualCreditReport.com is now permanently available weekly

• 15% off Uber and other GCs at OfficeDepot/Max

• BofA Double Cash Back Days 10/2-10/6

• Panera 10%, Jamba 10%, HeyDude 10%, Aldo 15%

• Rant: Chase & BofA Offers

• Gone for 2 weeks, abroad episode when I return: cards used, lounges etc

Companion post

Support me on Patreon!

• Shout-out the madman and legend Kleed for being a patreon supporter!

• CFPB complaint successful and Amex acknowledge that I should receive MR on my federal income tax payment and that I also met the SUB MSR with the help of this spend. Precedence set again

• https://reddit.com/r/churning/s/x82xQOXwaG

• $200 BofA SUB - $2k DD in 90, lots count as DD

• https://www.doctorofcredit.com/bank-america-100-checking-bonus-public-nationwide/

• Chase Business Ink 90k - denied

• # of recent apps, business structure, insufficient business relationship

• https://www.doctorofcredit.com/chase-ink-90000-offers-slated-to-end-soon/

• Supplement paid $5 to my PayPal

• https://www.doctorofcredit.com/keurig-coffee-pods-class-action-lawsuit-potential-5-or-36-per-household

• HMBradley remove all requirements for top tier, all you need is a $500 deposit to get 4.7%, 0% otherwise. No CC or positive cash flow required

• https://www.hmbradley.com/APYs-NYCB?utm_campaign=Simplify+APY+Announcement&utm_content=Simplify+APY+Announcement+-+B&utm_medium=email_action&utm_source=customer.io

• $300 travel credit for Venture X is now a coupon applied at checkout

• https://www.doctorofcredit.com/capital-one-launching-premium-venture-x-card-with-100000-points-200-signup-bonus-395-fee-300-travel-credit-10k-annual-bonus/#comment-1692102

• TreeCard is closing their debit card, potentially introducing CC in the future

• https://help.treecard.org/en/articles/8322299-debit-card-closure-guide

• https://www.treecard.org/post/a-letter-from-the-founders

• $200 SUB for $500 deposit, 10 debits & eStatements, $100 CC fund per account

• App went pending

• https://www.doctorofcredit.com/chartway-federal-credit-union-200-checking-bonus-direct-deposit-not-required/

• $200 SUB for $100 DD in 90 days

• https://www.doctorofcredit.com/ny-only-bethpage-credit-union-200-checking-bonus/

• E trade issues with wealthfront

Action items: 500k HMB but FDIC insured up to $250k

Kevin Hart Skit

New! You can now support me on patreon! Completely optional and nothing about the podcast or blog will change but if you want to support me, you can!

Also new, a page dedicated to my referrals! I am trying this out so if you don’t like it please let me know. New referral page: https://invt.co/u/sytvBFfbj

• Would you be interested in a deep dive into an Albert feature (not boosts)?

• 1 sounds interesting, one maybe. Prob will not cover

• US Bank Altitude Connect Free Mobile Data

• Complimentary 1 GB/15-Day global mobile data plan from GigSky

• New referral page: https://invt.co/u/sytvBFfbj

• TradeStation Bonus

• Deposit and maintain $500 for 30 days for $150 bonus

• My DP

• Info on what account I opened

• New NJ Credit Card Fee Laws

• Business must disclose the credit card fee they will be charging customers before purchasing

• Business are not allowed to make a profit on the credit card fee if they charge one

• 10% off Uber gift card ($100 for $90)

• Staples no fee Mastercard gift card (max 8)

• Disney+ New & Eligible returning customers 3 months basic for $1.99/m

• Disney Trp Bundle $19.99 -> $24.99

• Amex Plat statement credit is $20, this now exceeds the credit

• Disney Bundle Duo Premium costs $19.99 but does not have ESPN

• CapOne Lounge IAD open (will go on 10/21 will cover on pod/blog)

• Flu Shot Deals

• CVS offers a $5 off $20 coupon for no cost flu shot (insurance). 

• Walgreens: Earn $10 in Wags cash when you spend $1+

• Giant eagle: $5 gift card (insurance)

• RiteAid $5 off $25

• Safeway 10% off, up to $20 off

• [IA, IL, IN, KY, MN, WI & MI] Old National Bank $250/$450 Checking Bonus

• High DD requirement

• $50 for Michigan residents funding $1k into a 529

• Seems there is a more broad offer here too

• $15 BestBuy GC when purchasing $100 DoorDash GC

• 170k MR Platinum Links floating around

• Discover Q4 Amazon & Target

• Discounted AAA, can stack with $5 Chase offer (YMMV)

• Dosh $20 off Costco membership

• Referral $10

• Closed Current, gave me a free $0.75

• Mostly moved from Juno to Wealthfront

• Nice debit card & simple app

• Accidentally double paid Discover

• Leaving some $ in Juno just in case

Companion Post

• BofA new categories: Online shopping includes cable, streaming (was already included), internet, and phone plan and gas now includes EV charging

• Old terms

• New terms

• https://www.doctorofcredit.com/bank-of-america-customized-cash-rewards-expands-the-3-categories/#comments

• Albert Genius now $14.99

• Free trial still churnable

• Touch on idea

• Referral link

• Ally bank checking bonus https://www.doctorofcredit.com/ally-bank-200-checking-bonus-get200/

• Does not stack with referral

• Targeted Apple Card 5% back offers

• Generic referral

• Targeted SUB offer

• Ally Referral -  thanks!

• Current fee change

• Inactivity charge of $5 after 12m, closure fee of $10. Note: the minimum to transfer was $1. They credited me a free $0.75 so I could transfer out LOL

• Target 20% back up to $10 Cash App

• Targeted for $15 off $90 spend Target Circle offer

• Maybe use PayPal split to hey 10% back (up to $5) with Albert and $10 with Cash App 

• $100 spend, $25 discount or 25% off

Thought process for new main checking account

• Requirements:

• Checking account

• HYA (>4%)

• ATM network or reimbursement

• Leaving Juno

• Bipass login bug

• Change to $20k for 5%

• Options:

• Robinhood Gold

• 4.9%, ATM network, 3% IRA match (with vesting period), checking, $60/y fee

•  Looking at my spend for last year, if I were to achieve BofA Platinum Honors status, I'd get an extra $196 in cash back per year. Not to mention my BofA spend this year went way up now that I have my ⁠curve strategy. Gold would net me $135 after the AF ($6500 *3% -  $60 = $135 net per year), plus that $135 would not vest for 5 years. 5 years of IRA contributions would get me to Platinum Honors and at that point only one year of my $135 IRA match would be vested 

• My referral

• Wealthfront

• 4.8% w/ .5% boost with referral (up to 6 month stack) & ATM network

• My referral

• Fidelity Bloom

• 5%, cash management account ATM reimbursement, not FDIC insured but SIPC which does not cover SPAXX dropping

• HMBradley

• 4.7%, requires positive cash flow & $500 deposit, & $500 spend on CC, BofA does not support for AutoPay

• Moving all Autopays and DD to Wealthfront

Companion Post

Recent Bank SUBs

• Liberty Bank (CT, MA, RI)

• $1k CC funding

• Any DD or 5 debits in 60 days for $300 

• Turn off eStatements

• First Commonwealth (PA, NJ) 

• $500 CC funding

• Any DD or deposit $1k in 60 days for $300

Update on Save

• The referral $5k isn’t invested into your portfolio but is defaulted to the Save Global Multi-Strategy Portfolio and can't be changed

• Estimated 6% return based on previous performance

• Blend of USD, bonds and 7% S&P500

• Save Referral -  park $1k for 1 year get $6k worth of investments returns if there are any

BofA PRE Lifestyle credit (card discussed here)

• Flyer Talk discussion

• Took two phone calls but finally got the lifestyle credit for the purchase

Shell

• Albert Genius (paid service) free month trial is churnable. Cancel a day or two before the charge hits then sign up again

• Fuel Rewards Referral (free)

• $0.05/g from Gold Status

• $0.05/g from 4 Dunkin purchases

• $0.05/g from 4 fill ups using the Shell app

• $0.20/g from 21st promo

• 10% off with Albert

• Referral link

Curve x Bilt Discussion

• IMO, BofA MC CCRs w/ Preferred Rewards boost is better albeit requires more work to set up

• Topic Episode Link for more info on Curve x BofA

Samsung Money $220 bonus (requires Samsung smartphone)

• DD $1k for $220

SECU Maryland $250 bonus

• My DP (I did each as $500)

• 2DD/m >=$500 total & set up eStatements for $250

NJ Property Tax Relief

Juno 5% now requires $20k in the account

• Referral link

Ally Referrals $50-$100

• Referral link

Santander in branch $400 offer (NH, MA, RI, CT, DE, NY, NJ, PA, FL)

• $5k total DDs in 90 days for $400

• Must not have had an account in the last 12 months (churnable)

Paramount+ & Sportsline 7 months for $0.99

• YMMV 10% back on PayPay up to $300 spend/$30 cash back

• https://www.doctorofcredit.com/ymmv-paypal-get-10-back-on-up-to-300-in-purchases-anywhere/

• CapOne BJs $10 membership

• https://www.doctorofcredit.com/ymmv-capital-one-10-bjs-membership/

• HMBradley $25 routine Targeted Expired promo

• https://www.hmbradley.com/Routines-Funding-Offer-July?utm_campaign=Offer+Test+%232+-+Try+Routines+and+Get+%2425&utm_content=July+Flash+Offer&utm_medium=email_action&utm_source=customer.io

• $300 Liberty Bank SUB (MA, CT, RI only)

• https://www.doctorofcredit.com/ct-ma-ri-only-liberty-bank-300-checking-bonus/

• CC funding allowed, waiting to activate SoFi card to open, apparently $1k funding per account opened

• New CCs

• SoFi $200 for $2k spend CreditKarma offer

• I somehow have two SoFi accounts. Made one years ago then made a new one in 2022 for a $200 banking SUB. CC app was approved but was put under my old account. Had to call, they can’t merge the accounts so now I have two lol

• Wells Fargo Bilt Card

• Deliberated on opening this as it wasn’t really worth it imo. Now that I was 11/24 with 6 in the past 2 months I thought I would try

• Went pending then denied. Called and told to call back when I get the letter

• Got the letter, recon isn’t really recon they only say to call Experian to change things if the report is inaccurate otherwise there is nothing they can do

• Amex Google One targeted offer

• https://www.doctorofcredit.com/targeted-amex-offer-google-one-get-30-back/

• I have Google One and like it. If you order Google devices, their 2TB plan gets you 10% back on the store which is awesome and stack with CC rewards

• When I signed up they have away a free Nest Hub Mini, might still be available

• https://www.androidpolice.com/upgrade-google-one-2tb-annual-storage-plan-free-nest-hub/

• Discover savings account bonus is back. Cumulative deposits still count

• https://www.doctorofcredit.com/discover-savings-150200-bonus-1500020000-deposit-new-exp-103117/

• Targeted $300 SUB for $500 spend on Quicksilver 

• https://www.doctorofcredit.com/target-in-app-capital-one-quicksilver-300-signup-bonus-with-500-spend/

• Target Red is dead

• https://www.doctorofcredit.com/target-redcard-churning-is-dead/

• Upgrade $150 Referral DD $1k in 45 days

• https://upgrade.com/r/Je6X42orBt

• https://www.doctorofcredit.com/upgrade-checking-150-50-referrals/

• https://www.upgrade.com/funnel/borrower-documents/PROMOTION_AGREEMENT?productType=DEPOSIT&rewardProgramCode=DEP_CH_03

• Priority Pass Restaurants

• Used at two different restaurants 2.5 hours apart in the same airport and got the credit both times

• https://www.doctorofcredit.com/know-priority-passes-can-used-every-two-hours-useful-restaurant-options/#comment-1432777

• https://www.doctorofcredit.com/know-priority-passes-can-used-every-two-hours-useful-restaurant-options/#comment-1662319

• I-Bond Selling

• https://www.doctorofcredit.com/212507-2/

• Costco

• https://www.doctorofcredit.com/groupon-buy-costco-membership-for-60-get-bonus-45-shop-card-40-online-discount-more/

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/

• 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

• 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