Back from Europe Trip - bit sick

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

Shout out Kai of The Daily Churn podcast for the shoutout

25 referrers - welcome! The Kai effect

Latest Episode

Churning Life - latest episode 3

Lesson Learned: Roth income & 401k IRA effects

https://www.irs.gov/retirement-plans/amount-of-roth-ira-contributions-that-you-can-make-for-2023

https://www.irs.gov/retirement-plans/2023-ira-deduction-limits-effect-of-modified-agi-on-deduction-if-you-are-covered-by-a-retirement-plan-at-work

Bilt closed loophole for Curve

New Priority Pass blog post to keep track of my visits

New Amex Gold Business changes

New bank SUB DBs

Save update

George P Save Referral

Chase Freedom Flex 5x on Groceries and Gas is public & via referrals

My Referral

https://www.reddit.com/r/churning/comments/1717fed/daily_discussion_thread_october_06_2023/k3qry74/

https://www.reddit.com/r/churning/comments/16zi5iu/daily_discussion_thread_october_04_2023/k3g8nku/

$200 Airbnb gift card w/ $20 BestBuy gift card [Expired]

Verizon $10 off per line loyalty credit

Google Podcasts gone by 9/24 to be replaced by YouTube Music podcasts

5% of total listens all time

Stay tuned for upcoming Trip Abroad topic episode

Future Accounts Breakdown episode

I have 53 open bank accounts and 25 open credit card accounts. I plan on doing a topic episode about each and their uses!

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

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

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

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

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