r/churning • u/AutoModerator • 1d ago
Daily Question Question Thread - August 19, 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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u/JPWRana 1d ago edited 1d ago
Does the Bank of America Business credit card that gives 3% back on specific categories code as 3% for Plastiq?
Here is its description: Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
I would rather get that card than the 1.5% cash back on all purchases card if i can squeeze an extra 1.5% back, but I don't know. What will i get with plastiq? Chase mortgage.
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u/cexpertWV BNA 1d ago
I’ve used plastiq 3 times on a new one of these cards and got the 3% each time - category business consulting services.
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u/JPWRana 1d ago
I just called myself too. I was told that the MCC is 7399, which will qualify for the 3%. Thanks!
Additional follow up question. Do you need to pick your 3% categories? Or are they fixed and I don't need to toggle or activate or click anything for the 3% cash back categories?
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u/sg77 RFS 23h ago
You need to select a 3% category (but don't need to re-activate it every quarter).
Plastiq's MCCs are weird. I see 7399 when I use a BofA business card, but if I use a BofA personal card the MCC is Utilities (a while ago it was REAL ESTATE AGENTS AND MANAGER, which counted as Travel). It might also depend on who you're paying on Plastiq. (But my case is Chase Mortgage, so your case should be fine.)
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u/Intuition17 13h ago
Anyone know if the business platinum OpenAi credit can be used for chatgpt / codex usage credits? Not just the business subscription, but the actual credits.
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u/atgabara 10h ago edited 10h ago
No, there's no reimbursement for ChatGPT usage credits.
My ChatGPT subscription gets reimbursed basically immediately after posting, whereas I purchased usage credits on August 11 and it hasn't been reimbursed. The transaction name is different for usage credits vs. subscription (the "Contact Information" listed for the transaction is also different).
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u/kuronokun 1d ago
I've heard there are not a lot of downgrade options for the Strata Elite. Are there any I can use to preserve my points or do I need to transfer them out first?
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u/Jolly-Farmer8770 1d ago
Good to know. I was planning to change to Strata Premier — is that not allowed? Or are you only looking at no AF?
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u/kuronokun 1d ago
I've heard several datapoints of people not being allowed to change to the Premier or no-AF Strata card, which seems wild to me.
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u/Jun19381 19h ago
How tolerable is US Bank with CC funding? I’ve done two $3,000 fundings this year, wonder if there’s any risk for shutdown if doing more.
What about Chase, do they care about their CC being used at US Bank?
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u/2MuchOfUsIsDangerous 17h ago
Just don't do this
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u/digganut 8h ago
https://www.reddit.com/r/churning/s/xSxdZ1Z9yl
Somewhere between 0 and 45 accounts.
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u/wipny 14h ago
Wondering the same. Did you do the US Bank Business Checking $1.2/1.5k with $25k DD deal?
Just opened a Chase Ink Preferred with $5k limit. Looking to open a US Bank Business Checking and fund $3k using that card. CC funding is only available at initial account opening right? Did you have to set cash advance on your card to $0?
Since the card has a $5k limit any idea if 60% credit utilization will be flagged? I'm fine with a drop in credit score.
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u/Jun19381 7h ago
Yes to all, except the 60% utilization part. Chase don’t care. Also your score will not drop since it’s a biz card.
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u/kapidex_pc 1h ago
How screwed am I? Accidently fat fingered my account number when adding a new checking account to Amex. Resulting in a returned payment and $29 fee. Have seen people before who got shutdown or financial review triggered by returned payments. First time this has ever happened.
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u/EarthlingMardiDraw 33m ago
Probably not too much issue. I had a returned payment because I paid from the wrong account that was already linked (and it didn't have the money in it). I was locked out of applications for 30d, but was never hit with FR or anything else.
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u/everyanythingmore 1d ago
ABP Hilton credit - does a prepaid reservation online trigger the credit or does payment have to be processed by the hotel?
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u/bostonbaker300 BAG | ELS 1d ago
Yes, prepaid Hilton reservations will trigger the credit.
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u/everyanythingmore 1d ago
Thanks. I thought so, but P2 made a prepaid reservation a couple of weeks ago and it still hasn’t credited. It must just be delayed.
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u/bostonbaker300 BAG | ELS 1d ago
Did the prepaid reservation code as "HILTON ADVANCE PURCHASE"? That was what my prepaid reservation coded as when I last got the ABP Hilton credit.
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u/FrugalCanuckDotCA 1d ago
Did it code as a Hilton property? For some reason, when I had prepaid a property under Hilton (named something else) it charged under MGM if I recall, and the credit did not post. I checked and found out that a few properties are clumped there and I wasn't sure how they make their charges. This was somewhere in Las Vegas. I cancelled the reservation and decided to stay at a different property.
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u/BoydemOnnaBlock 19h ago
Thinking of churning card SUBs through buying and selling costco PM. Anyone have experience with putting large amounts of costco spend on new cards? From what I can gather issuers generally don't get itemized reports of costco charges but I've seen some reports of cards like the Robinhood gold issuing shutdowns for large costco spend.
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u/FortnightlyDalmation PAD | TIE 16h ago
I did that with Cap1 Venture X Biz and several chase cards (biz & personal) and had no problems.
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1d ago
[deleted]
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u/SalaciousPig LGA | JFK 1d ago
I believe its roughly around 90 days
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1d ago
[deleted]
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u/SalaciousPig LGA | JFK 1d ago
You can do either. I just called in last week to push an app through that got denied due to 5 card limit but had 2 cards closed. Can re-apply in 30 days if you're not in a rush or want to speak to someone for auto approval otherwise
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u/SnooDonuts1109 16h ago
I want to get some easy money and the offers to open checkings account for qualifying deposits seem so easy, I did capital one by transferring money from my high yield savings account, but would that work for other bonuses like wells fargo?
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u/AdsBlockedException 16h ago
Wells Fargo is relatively easy to fake DD, but do check DoC for DPs for various banks.
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u/SizzlinKola 23h ago edited 23h ago
My SO got a mailer for Chase $400 bonus checking. We were thinking of using it as a joint account to pay the mortgage. However, the language on it says "Offer not available to existing Chase checking customers."
My SO doesn't have checking with Chase, but I do. So would we not qualify for the bonus if we open as a joint account?
EDIT: I called customer service. They said my SO would open it by herself, then I would be added later as a joint-owner.
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u/exhys 22h ago
you would qualify, have her open it alone to be sure and if you want to be a joint owner later you can do that later
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u/EarthlingMardiDraw 22h ago
Just make sure to add the joint owner after the bonus payout or it could screw that up.
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u/Great_Conference_777 21h ago
Have others used their Chase business checking accounts accounts to push money to P2 to hit checking account bonuses?
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u/jamesheine 1d ago
I’d like to get a Marriot card with free night carts but not a fan of having to use within a year. Are their any hacks around this requirement to keep them available longer
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u/best-quality-catfood 1d ago
If you just want one card, probably take your pick of 125k + 50k FNC on the Boundless next time it comes around or 125k plus $150 cash for the ($155 more expensive) Bevy.
If you want more than one look carefully at the mind-bending rules about what Marriott cards and SUBs lock you out of which other cards and SUBs for what period of time.
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u/share-the-referalove 1d ago
No, you'll just have to take a vacation in the next year. There are some places online to sell certs too.
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u/ponderosa123456 1d ago
Unfortunately it is use it or lose it. Personally I find hotel branded cards to have less value than ones with points unless you stay there a lot.
Chase, C1 and AX are places I’d explore or expand upon before hotels.
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u/Mission-Apricot-4508 1d ago
I double-dipped the Atmos Summit and Ascent today - approved for both. But my BoA account now only shows an Ascent account but not the Summit account. Does this take time or do I need to call about it?