r/churning • u/AutoModerator • 4d ago
Daily Question Question Thread - August 28, 2026
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.
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* 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.
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u/Pleasant-Fisherman71 4d ago
Has anyone successfully downgraded a Citi Strata Elite to the Strata Premiere or plain Strata? Just hit my 1 year anniversary. I called Citi to downgrade to one of the other Strata cards and was told that was not an option. My only options were to PC to a couple different American Airlines card options or an AT&T card. Called a second time with a different rep and was told the same thing.
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u/atgabara 4d ago
Those have been the only options for everyone so far. The AT&T card is a TYP-earning card, so that is what most people have been choosing.
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u/PortofinoBoatRace 4d ago edited 4d ago
Should I open the AAdvantage platinum card now before the 80k offer ends if I currently sit at 3/24 and highly value companion pass which I plan to go for in Oct/nov. Opened my latest card in June 2026 with the other two cards in Jan and March 2025. I can hit the spend requirements but I don’t want the AA card and my overall velocity to prevent me from get approved by Chase for the SW Business and personal cards.
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u/Chase_UR_Dreams 3d ago
Chase is not typically velocity sensitive outside of its own cards. Besides, 3 months between cards is not really a high velocity of churning.
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u/kikis_adventuress 4d ago
I would like to apply for the Capital One BIZ Spark 1.5% Cash Select card, but I used the pre-approval tool and the pop up is only showing I'm pre-approved for the Spark 1% Classic, which I'm not interested in. I currently have the Capital One Venture X card and have a 780+ credit score. I do have a recent inquiry from Chase this last week (a card I was denied for) so am pivoting to this Capital one Spark BIZ 1.5% card. Since the Spark 1.5% card did not pop up in my pre-approvals, does that mean I won't get approved for that card? I have a big purchase coming up in two weeks so would like this card asap to help meet the SUB.
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u/CericRushmore DCA | IAD 3d ago
YMMV.
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u/kikis_adventuress 3d ago
Is is worth trying to apply if it means another hard inquiry?
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u/lenin1991 HOT, DOG 3d ago
Unless you have anything in your plans for the next year that's inquiry sensitive.
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u/ADMIRALS151 2d ago
Same thing happened to me. They pulled all credit bureaus and declined me. Move on.
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4d ago
[deleted]
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u/suitopseudo 4d ago
Technically the AA since there is a 48 month clock to get another card. But the Hawaiian is a good offer at 85k. AA frequently has elevated offers.
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u/manlymatt83 4d ago
I did the SOFI bonuses through Rakuten. All of them show as “$0, pending” under shopping trips in the Rakuten app. It’s been about a week. Is there a chance these will change to the correct bonus amounts or am I likely SOL?
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u/fit_body_ 4d ago
Give them more time. For me, most times I use Rakuten I get the bonus
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u/pkfobster 3d ago
Of the times it did not work, do you know what caused them to fail? I have been iffy about using them since I bought some gift cards through them as a test and it didn't track.
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u/fit_body_ 3d ago
Usually a code that they said was not in their site but it actually was listed. Give it some time then if doesn’t show up reach out to Rakuten.
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u/pkfobster 3d ago
Good to know, I will wait a few days before contacting them next time I make a purchase.
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u/nevermissabeat48 4d ago
Do you have screenshots. I had a similar issue when I did it. I had to wait a while but they fixed it
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u/Glittering_Candle414 3d ago
Can you get this if you've already churned Sofi directly (no portal)?
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u/Mushu_Pork 4d ago
Does USBank Triple dipping take into consideration previous credit lines?
I'm considering dropping the 10k line on my Triple cash to 1000.
But I have a smartly at 25k that I don't want to drop the line on.
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u/sg77 RFS 4d ago
US Bank rejected me with "Maximum amount of unsecured credit already available". I then reduced the limits on my existing US Bank cards, tried again a few months later, and was approved.
But I would guess that you don't need to reduce all of your limits. If you dropped $10k to $1k, I'd think they would give you at least $9k on a new card. But if you want 3 new cards, maybe $9k total isn't enough...
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u/VegetableActivity703 4d ago
Anecdotally yes. My first double dip I got 2x $14K CLs, my second I got 2x $6k CLs. I’ve seen others report similar results.
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u/superdex75 4d ago
I always lower to $1k if there is not a 0% APR running before applying for new cards.
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u/Dry-Enthusiasm3565 4d ago
I did a triple dip recently and $3k limits on all 3. I don’t think it matters much
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u/fire4travel 4d ago
I was targeted for the Chase for Biz Banking bonus. Tried to open via the email sign up link and went through application process — at the end I got “we don’t open this type of business account. Go in a branch to open this type”.
Anyone know what’s triggering this message? Business type has always been the same as my biz CC’s.
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u/sneeze-slayer PIS | SOF 4d ago
Sole prop? Chase biz checking usually requires sole props to open in branch.
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u/notsoluckii 4d ago
Sign up for biz banking with your personal account login instead of your biz login and it should bypass the restriction.
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u/Phishsticks94 4d ago
Do business bank accounts (Sole Prop SSN) report to EWS? Specifically wondering if the "don't close for 6 months if you care about EWS" advice applies for these accounts as well.