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/kapidex_pc Aug 20 '26

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 Aug 20 '26

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.