Bank Feature Summaries

New Chase Application Rule: Auto-Decline for Any New Sapphire Product If You Currently Hold One

UPDATE: According to DoC, in addition to the changes posted below, cardholders now also have to wait 24 months from getting the signup bonus on a Sapphire product before getting another signup bonus on an additional Sapphire product. This clock starts once the bonus is issued. Additionally, there will be no changes to current cardholders with multiple Sapphire products. According…
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Don’t Like the New Amex Account Design? Here’s The Link To A (Very) Old Design!

These days, banks are constantly changing their online account design. The intent is good of course: they want users to have better experiences. However, sometimes new designs are worse. Yesterday (2017.06.12), AmEx changed its design again. I feel that the new design is mainly for mobile users. If you visit on your computer/laptop, the information density is very low. Besides, it’s not…
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Churning the 100k Amex Hilton Upgrade Offer! [2017.5 Update: Third Upgrade Success!]

Update 2017.5.30: I just chatted with an Amex rep and my third upgrade round for 100,000 Hilton points is pending! Hopefully the points will post today so I can try to downgrade and upgrade one more time before the offer expires on May 31. If you haven’t upgraded yet and are eligible via the link below, now is the time! Introduction American Express…
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Chase Ink Preferred Referrals Now Available! 20k UR per referral!

The Chase Ink Preferred business card is now available for participation in the Chase Refer-A-Friend program. The referrer will receive 20,000 Ultimate Reward (UR) points per referral up to 100,000 UR per year. The referred will receive the standard public offer of 80,000 UR after spending $5,000 in 90 days. To generate referrals for an eligible Chase account, click here. Once you…
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How To Get the Best AmEx Sign-Up Bonuses (2017 Update)

American Express (AmEx), with its great service and benefits, as well as the incredible 3x Credit Limit Increase (CLI), is a very popular credit/charge card issuer in the United States. It is recommended to keep at least one AmEx credit card or charge card. However, AmEx has changed it policy in 2014 so that one can only get the sign-up…
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Introduction to Amex Offers

Introduction Amex Offers is a very lucrative discount program for Amex cardholders that provides bonus Membership Rewards (MR) points or cashback in the form of statement credits for shopping at particular merchants. Eligibility The following account types are eligible to register for Amex offers: Amex-issued personal credit and charge card accounts Amex-issued business credit and charge card accounts Authorized user accounts,…
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Credit Card “Refer a Friend” Benefits Explained (2017.9 Update: You can now earn 10k per approval for CSR!)

2017.9 Update: You can now earn 10k per approval for CSR! A lot of credit cards have a “Refer a Friend” benefit for its cardholders. For instance, for each friend you refer who successfully applies for and uses the credit card, you will receive a bonus. In this post, we will explain in detail the steps to take in order to…
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Major changes to the AmEx Platinum cards, and why you should apply for the Schwab Platinum now (Update: You can request metal card now!)

Mar 30th Update: Changes should be in effect today. $15 Uber Credit is now available in your Uber account. And you can request the metal card now. Simply login in to your online account, click ‘Account Services’, then ‘Card Management’, and you should be able to see a card replacement option. Any newly issued or replacement card after Mar 30th will automatically…
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Exclusive: How to get the Chase IHG 80k + 5k + $50 offer (This Method Is Now Dead)

2017.4 Update: According to recent data points, this method is now dead. It worked for about 3 weeks. Chase IHG Credit Card has always been one of the best cards that we recommend to keep, mainly because you can receive an annual IHG Free Night without any category restrictions from the second year after paying $49 annual fee. Using the annual…
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A New Method To Get Amex Best Offers: The Chinese Website Method (Update: Dead)

2016.12.21 Update: The Chinese Website Method is really dead. But the VPN Method is still alive! 2016.12.18 Update: There’s no working data points since Dec 18 16:00 PST. This method is probably already dead. We introduced a way to use VPN to get AmEx best offers. However, it’s not that convenient and easy for some people. Many people report that they…
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