r/churning • u/AutoModerator • 7d ago

Daily Question Question Thread - March 31, 2025

Welcome to the Daily Question thread at r/churning !

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

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u/Agitated_Okra_9356 7d ago

Are there different factors at play for Amex personal vs business card SUBS?

I’ve been in pop up jail for like 2 years but I still get targeted for business SUBS?

3

u/lost_shadow_knight 7d ago

Yes. It's different per card, per offer, and even per application attempt

1

u/SibylTech 6d ago

Business tends to be more lenient for PUJ for some reason (at least in my experience). Maybe biz marketing department has more marketing budget.

Add on to that NLL offers and the lack of family language. Amex biz is easier to churn than personal if you have the spend.

1

u/Agitated_Okra_9356 4d ago

I have the spend but never gone for business. Always stuck with personal cards. I guess t some point I will make the jump.

1

u/butwhhyy 6d ago

I just got approved for delta bus gold after being in PUJ for 6 months. May be worth trying since you’re in PUJ