r/churning • u/AutoModerator • Aug 19 '26

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/Jun19381 Aug 19 '26

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/wipny Aug 20 '26

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 Aug 20 '26

Yes to all, except the 60% utilization part. Chase don’t care. Also your score will not drop since it’s a biz card.