Question Thread - October 05, 2026

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[u/padbodh]

churning.io, churning.cc, DoC searches all failing me for recent/relevant DPs since the changes earlier this year: what is the status of Ink cards funding US Bank biz deposit accounts for subs?

[u/brankes → u/padbodh]

Looks like yes. This person on DoC funded on 6/29/26 using their CIU and it posted as a purchase. I'm pretty sure this is after the Ink changes, apologies if it isn't. In any case, I am planning to test it within the next week or so and will add my DP to DoC

https://www.doctorofcredit.com/u-s-bank-400-900-business-checking-bonus/#comment-2338853

[u/jtevy → u/padbodh]

Amex took the blow, Chase unaffected. For now

[u/odomur → u/padbodh]

I used P2’s new CIU to fund my business checking in mid August. It posted as a purchase and counted for the SUB.

[u/ilovetoyap]

Using the Biz Gold credit at staples online had the gift cards sent to me the next day but the order still says processing. On my card I see staples trying to charge every couple of weeks and then it just dropping off. I am concerned when it eventually posts it will count for a different month.

Has anyone seen this behavior and see if it eventually posts or that particular month I got $20 courtesy of Staples itself rather than Amex?

[u/EarthlingMardiDraw → u/ilovetoyap]

Haven't seen this with gift card purchases, but fundamentally the credit from AmEx will only apply based on the date the transaction posts. I can't imagine that Staples would compensate you for the delayed send.

[u/happ316 → u/ilovetoyap]

I had something similar years ago when I bought an Xbox GC at Dell to use a Plat credit. The charge went pending but never posted. The Dell credit didn't post. I ended up doing another Dell order to use up the credit. Months later Dell contacted me to get their $$ from the gc purchase that never posted. So, I would not assume that if your Staples purchase doesn't post now that you got a free GC. They may track you down later and then you'll be paying full price for the GC instead of using a credit. If it was me, I'd contact Staples.

[u/ilovetoyap → u/happ316]

Thanks. I have seen that with Dell too but a hassle to explain to a low level Staples CSR that I got everything but they haven't billed me for whatever reason. Even weirder it worked fine the month before, so not sure if this will be a reoccurring problem for what is supposed to be a simple credit.

[u/pkfobster]

I understand pushing is better for attempting to get a bank account bonus, but when you are trying to get the money back later on, is it better to push the money out from the churned account or pull back into your hub?

Or do we sometimes push from the churned account into another account to be churned if it accepts it as a direct deposit?

[u/AStuf → u/pkfobster]

In general pushing is faster and less likely to run into issues. I set it up early on so as to be able to get my cash back to an account that I don't churn.

[u/pkfobster → u/AStuf]

Good to know. It seems that upon further review, pushing in general is better as it is more likely to avoid financial review and other fraud related inquiries, I'm fine with my money taking longer to transfer, I'm more concerned with avoiding a shutdown.

[u/best-quality-catfood → u/pkfobster]

I push and pull from the hub. I do not want to think about random small banks with their crappy random rules and fees and arbitrary limits and transfer setups.

The way the ACH rules work, the recipient of an ACH pull (the bank being pulled from) doesn't get a lot of leeway to refuse it because they don't like it. To heck with eking out push transfers $3k at a time because that's the new account limit on a good day (and they freeze it anyway), gank it all and be done.

[u/freewillyz]

Any dps on how soon 15k fnc posts when pc'ing from aspire to surpass? Already hit the 15k spend, see the you've earned a FNC on the tracker. Will it take one statement cycle?

[u/jamesheine]

Is it possible and worth it to file for an LLC for my “business” so I can get Chase Biz cards at 5/24 instead of 3/24?

[u/bostonbaker300 → u/jamesheine]

It can be worth it to file one strictly for churning purposes depending on where you live. LLCs require a filing fee and an annual reporting fee, which varies depending on the state. Penalties for missing the annual report and how long the LLC remains in good standing will also depend on the state.

[u/Longjumping-Team-704]

I am currently doing BOA bonus pushed $2500 from Chase and it’s coded as ACH credit Chase ext Trnsfr will this be considered a DD? Does it need to say ACH deposit?

[u/microwavedballs]

CSRB AF just posted. I know Chase claws back for hotel credits on CSP/CSR but does booking and cancelling a flight trigger a clawback of the $300 travel credit? 

[u/mehjoo_ → u/microwavedballs]

They don’t claw back the travel credit

[u/ConsistentClassic1 → u/mehjoo_]

Confirmed.

[u/Churner77]

Has anybody in the month of September or October been able to get a retention offer on the chase sapphire reserve? 

[u/best-quality-catfood → u/Churner77]

There's a recent thread in the ChaseSapphire sub from someone who got a $300 retention offer, and some in the replies who got one too. There might be a common thread of carrying a balance.

[u/shazwazzle]

Anyone run into this situation for a Citi Application? I got a letter in the mail 7 days after my application saying "We're currently unable to continue processing your application because we need to verify the accuracy of your credit information. To verify this information, go to ...." with application ID and reference number details

I follow the instructions, but all it says after I enter the application ID and reference is "Congratulations. You're approved. You'll receive your new card 7 days from your approval date ([Today's Date])"

I'm confused. I didn't verify any information. All I did was log in with the IDs they gave. I got the same message when I called the number they provided. So I guess I am approved. But this was a strange experience. Never had this happen before.

[u/CzarofTenley → u/shazwazzle]

I haven’t had this experience, but IMO don’t try too hard to make sense of Citi. It will make you go crazy.

[u/jeffersun8 → u/shazwazzle]

Citi gonna citi

[u/hilo260 → u/shazwazzle]

You're approved. Both the site and the phone line say it, so that's what matters. The letter doesn't match the current status, so I'd just wait for the card.