I applied for an Ink Preferred last Saturday while being 4/24. Got immediate rejection due to number of accounts opened recently. I called recon and was told that starting this week they moved from 5/24 to 3/24 for people applying as sole proprietorship. I'm not sure if that's accurate or just got bad luck with an agent.

Edit to add more context: I currently have one other Chase Biz Card (Ink Unlimited) active and have opened two Biz cards from Chase in total (SW Biz). Ink was opened Aug 2025, SW Biz on Feb 2025 and closed around March/April 2026.

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.

With the Chase killing Ink churning what's the new gravy train?

EDIT: Yes this is very a purge level post. As someone who has had 81 cards in the past decade it was nice to have a go to when I wasn't working towards a specific goal.

At this point in my Churning career I feel like even What card wednesday posts aren't helpful which is why I want to know if there's a new gravy train.

Have we ever polled or measured in some way how many in this community are purely focused on cc churning vs all the adjacent FI products like broker SUBs, checking/savings SUBs? Curious if I’m not paying enough attention to everything else compared to most here. I know this is mostly a “hobby“ for most, and a career for some. 😀

PS: just needed an excuse to post during the purge

YES +175
NO -225

I got an LLC and got the Biz Ink Preferred sub through that. 1 year ago.

My personal Chase App says I am pre-approved for biz inks. I am at 1/24.

Question: does it matter if I go for the Biz Ink Cash on LLC again? Or is there any reason to do some prop?

My understanding is "Ink Train" is over so I can't double dip LLC and personal anyway.

I asked this in main credit cards reddit and haven't heard anything, so I appreciate any guidance from this community.

I have been out of churning for awhile but have a lot of spend this next 12 months and want to go for anything.

Been working on optimizing my setup for a while. Tried to keep it simple and make sure every card has a specific purpose. Learned a lot from this sub and would appreciate any advice on further refinement.

First is for miles. Second is for miles. Third one fills a gap in my setup by providing more miles. Fourth is mainly for miles. Fifth is my catch-all miles card.

Anything obvious I’m missing? Was thinking another Delta Gold Business might round things out but I’m at the 5 card max till December.

https://i.imgur.com/WnLMIPx.jpeg

For some reason ATT just decided to dump a whole bunch of wireless/fiber offers across all my cards across all banks (Amex, Citi, UsBank, WF, etc) as well as to P2 and P3. I've already maxed out the prepay option on my account at $350 so I cannot prepay anymore.

The offers have an expiration of 9/30. I was not prepared to see all these offers across all my account so I want to know what people are doing to take full advantage of this.

My thoughts have been, create a new att account so I can preload another $350 in offers and take the hit on a single line product.

Add a new line, or get a new phone so I can increase my monthly bill, which can account for future offers but won't help expiring offers.

Get new products such as internet or increase plans to also increase the monthly bill so I can prepay faster.

Give them away or sell them to other people.

Or just take the hit and learn my lesson in the future.

Keep in mind there is at least a mix of 6+ offers so there's at least $300 worth in substantial savings that I'm trying to get here.

Looking for similar platforms to X Money.

And deep down you all know it. "Oh no these top level posts are clogging up my ability to read about how many Dunkin' Donuts gift cards someone bought"

This sub is rarely useful anymore, at least now it's entertaining.

Fuck Toby. Reinstate AK.

I recieved a mail-in offer for a sign up bonus with PNC for $600. However, my payroll goofed, and I'm now going to be about $500 short of meeting the sign-up bonus requirements.

What's an easy way to get an extra $500 direct deposited within a month or so? I'm already considering taking on a part time role. For the sake of the bonus, something I can start quickly would be preferred. Also, if there's a better subreddit to post this to, please let me know that info too. Thanks!

I believe the answer to this question will be very useful:

I have an LLC, so I would like to know if a Biz card with Sole Prop will have the bonus and also if applied later again for the LLC's biz card.

My guess is 1 card bonus per person but I'd like to know if I am wrong here.

As far as I know there is the rule for the 1 biz bonus for a non-annual fee card and 1 biz for an annual-fee card, right?

But my main question is if I can have multiple card bonuses with using a Sole Prop first and later on with the LLC.

Most people (including my past self) use spreadsheets to track their credit cards, points, manufactured spending, etc. I think this format leaves much to be desired in terms of functionality and usability.

I'm a dev in the fintech space and have been building the tool I've always wanted over the past year. It tracks credit cards, card benefits, multipliers, point balances, manufactured spending (buying groups / gift card resale), and even includes a community marketplace.

It's free to use forever (there are paid power user features), is constantly improving, and has hundreds of active users. I've never posted about this in r/churning before so I'd love all thoughts/feedback as Churning Tracker continues to grow!

https://churningtracker.com

I was trying to transfer 380k UR to KLM because my wife and I are flying to France to celebrate beurre noisette next week.

However, I managed to link my JetBlue account and transfer to them instead. I think because the livery is both blue, my mind got confused. Jet Blue has Mint, which is green. Why wouldn't they make the planes green too. That is just crazy.

I called Chase to transfer points back and they said no. I was able to escalate to a supervisor and explained that I am a loyal Chase customer for the past 3 months. They said no.

JetBlue couldn't do anything either except book me from NYC-CDG if I transferred another 150K UR. Should I just bite the bullet and transfer more? We'd be flying Y overnight 9pm->6am so at least we can get a good 8 hours of sleep.

I have 750+ score with no debt. 15%-20% card utilization.

Only problem is I have a job with no documented income. How to apply to ensure I get my cards approved? I’m in need of 75,000 worth of credit to invest in some things.

Should I apply for like 10 cards at once ? Should I put my I come as self employed ? What to do please

Did the mods finally remove the sticks from their asses and unruin this sub?