r/churning • u/AutoModerator • 3d ago
Daily Discussion News and Updates Thread - April 03, 2025
Welcome to the daily discussion thread!
Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.
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3d ago
[deleted]
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u/whatiscardano 3d ago
I had six personal cards and five business cards at once a couple months ago. I have started to close some Inks recently though, so my card count is down from that now.
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u/dyangu 3d ago
For those with $100k at USB brokerage for Smartly: stocks have gone down quite a bit over the last few months. Make sure you keep your average balance above $100k.
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u/toomuchgelatin SCI, ENC 3d ago
I think you mean minutes instead of months
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u/Parts_Unknown- 3d ago
stocks have gone down quite a bit over the last few months
source?
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u/dyangu 3d ago
look at a S&P 500 chart 📉 Down about 10% over the last 3 months. Luckily USBank looks at average 90 day balance so most people should still have time to dump in more $$ to shore up their balance before they drop out of 4%.
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u/EatMoreSleepMore 3d ago
Big if true
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u/dyangu 3d ago
Huh? https://finance.yahoo.com/quote/%5EGSPC/ how is s&p returns this even up for debate. Just look at a chart.
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u/judge2020 3d ago
I think they were joking that OP's source was the literal chart emoji 📉, not a link to the S&P when it would've been easy to link it. Just some light fun.
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u/XPhantomBusterX 3d ago
The CSP 100k offer is now available through Chase's website (i.e. through public non-affiliate links)
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u/MessianicHack 3d ago
Already netting the benefits of this sub. Nearly applied last week but saw the comments about the 100k rewards.
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u/p1223r 3d ago
As rumored, it appears affiliate links (TPG- have not combed through others) are starting to show CSP 100K offer for $5k spend in 3 months.
Have only seen DPs of in bank offers, this saves you a trip.
https://thepointsguy.com/credit-cards/chase-sapphire-preferred-card/
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u/wo_add 3d ago
Oh shoot. If I have a current csr. How do I take advantage of this? Down grade to freedom and then sign up after x days? (I already have 3 freedom cards visa, mc and unlimited)
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u/garettg SEA | PAE 3d ago
Read this to answer all your questions: https://www.reddit.com/user/garettg/comments/u6ss7u/sapphire_fyis/
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u/El_Babayaga69 3d ago
Any ideas how long the elevated sub will last? I’m not eligible till mid May
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u/9kuss 3d ago
You're actually eligible May 1st. 5/24 status changes on the 1st of the month you opened the card.
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u/garettg SEA | PAE 3d ago
OP could be within 48 months until sometime in May, in which case 1st doesnt matter.
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u/El_Babayaga69 3d ago
Yeah it’s 48 months. worst case I’ll apply with locked credit two weeks before it eligible.
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u/ForeverInvestorILL 3d ago
Since this is now available to affiliates, does this mean we should get advanced warning whenever this offer is ending/about to end?
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u/McSpiffin 3d ago
you will get warning when the offer will be pulled for affiliates, not necessarily for referrals and/or public offers
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u/bazingy-benedictus 3d ago
Don't give TPG the referral moneys 😭
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u/dandyline_wine 3d ago
I'm new here - is there something with TPG?
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u/JerseyKeebs 3d ago
They used to be good for comprehensive flight and hotel reviews, but their content is now locked for subscribers only. Just another way they try to take advantage of their readers
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u/liljacuzzivert BIG | TOE 3d ago
TPG is generally shitty and is seemingly written using AI that copies and shits out posts from Frequent Miler, OMAAT, MEAB, this subreddit, etc. Anytime a churning exploit is highlighted by TPG, it quickly gets shut down or Bonvoyed.
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u/dandyline_wine 3d ago
Oh dang, thanks for letting me know! I have some major learning to do...
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u/TheSultan1 ERN | BRN 3d ago
They're also among the worst when it comes to shilling for the banks (e.g. gushing about credits and benefits, using unreasonable valuations), and keeping readers in the dark when it comes to things they can't make money on (e.g. increased SUBs if not available through affiliate links).
My go-to sources are r/churning, Doctor of Credit, and Frequent Miler. Danny the Deal Guru is also pretty good, and active here - e.g. he just posted a direct, non-affiliate link to the 100k offer in this thread.
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u/dannydealguru 3d ago
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u/Will09994 3d ago
Is this still a referral link?
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u/iiStormBringer 3d ago
Referral links typically have some sort of unique identifier in the URL itself. If you check the TPG link, there is a long string of characters that uniquely identifies who is referring. This one however, is just a chase link with no identifier attached and is not a referral link.
If you are worried about a hidden referral, you can hover over the link and see the full URL. In this case the displayed link is the exact same as the actual URL so you have nothing to worry about. And if you really don't want to trust anyone, just copy the text, rather than clicking on the link.
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u/Ok-Anywhere6998 3d ago
DoC posted about seeing UR points redemption at 2.25cpp through the Chase travel portal for premium cabins at United, Delta and Qatar for CSR: https://www.doctorofcredit.com/chase-sapphire-cards-redeem-points-on-premium-travel-for-2-25-cents-per-point/
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u/celiacsunshine 3d ago
This must be a targeted offer. I have a CSR and Chase Travel is only offering me the usual 1.5 cpp. ☹️
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u/FlacidFalcon 3d ago
I’m not getting it to show on my account. Looks like it’s targeted.
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u/findmepoints 3d ago
In a way I am glad to see these reports. I always feel like everyone gets the targeted bonuses except me. We can wallow in sorrow together.
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u/xja1389 3d ago
If they start doing random promotions like this I would not complain. I regularly have to reposition out of ATL for high value redemptions because Skypesos/Delta not releasing premium seats to partners.
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u/findmepoints 3d ago
honestly at this moment in my life, redeeming 2.25 cpp for premium eco without having to reposition is a great deal.
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u/xja1389 3d ago
For real. Not everything is a bucket list redemption.
2.25 would be good for comfort+ coast to coast for example.
Trying to take my kid to Disney Paris, shorter trip so I would prefer not to stop somewhere but from ATL it's only Delta/AF/KLM
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u/findmepoints 3d ago
Especially factoring trips with kids. Looking for 3+ seats requires some planning and lots of compromising. I hope these opportunities become just as common as bonus transfers, and also that I get targeted for them.
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u/lankyyanky 3d ago
Lmk where those high value flights from ATL are because I'm local and don't see them
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u/mets2016 3d ago
He's repositioning AWAY from ATL because there aren't high value redemptions originating in ATL
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u/xja1389 3d ago
I mean things like Delta being the only airline to offer direct flights to some places from ATL.
2.25 is not the best CPP to be sure, but there is some value in not having to stop somewhere if I want to go to JNB for example. Having to factor in connection points or reposition flights always adds complexity
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u/scooby-dum 3d ago
The problem is Delta knows they're the only option for nonstops and prices those routes accordingly. ATL->JNB nonstop in J is ~8k plus round trip for the entire calendar. Adding a stop basically halves the price for many routes.
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u/e1tm 3d ago
Seeing 2 cpp on premium hotels as well
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u/samson7256 3d ago
I have hotel offer for 2cpp on my CSR. It works for many "non premium" hotels. For example, when I search in Orlando for hotels, the offer is available on 94 area hotels, including Marriott Courtyards, Fairfield Inns etc.
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u/Hot-Signature-5618 3d ago
Can't wait to tell my wife we're going to stay at a premium hotel and then rock up to the Fairfield Inn 😂
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u/Toothcloset 3d ago
Let me know how that goes for you. lol!
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u/Hot-Signature-5618 3d ago
Looking at the drop in my RSU value today and it might be all we can afford anyway haha
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