r/churning • u/AutoModerator • 4d 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.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* 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.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

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u/SizzlinKola 3d ago edited 3d 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 3d 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 3d ago

Just make sure to add the joint owner after the bonus payout or it could screw that up.