Bank Feature Summaries

How to Use VPN to Get Amex Big Offers (2016.12 Update: The Big Offers Are Back Again!)

2016.12.21 Update: Several days ago we published the Chinese Website Method to get AmEx big offers. One day later, AmEx killed this method, and it seemed that all incognito big offers are gone at the same time. Now the incognito offers are back again, VPN method is still alive. The Chinese Website Method is really dead though. In How to…
Read more

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…
Read more

AmEx Incognito Big Offers Now Have Direct Links! (Dead Now)

2016.11.23 22:00 PST Update: all the following links are dead now. The lifetime was 6 hours since the first discovery. Thanks to sirtheta on reddit, now we have direct links to AmEx incognito big offers! No more VPN and failed tries! Use incognito mode to open the following links. Please make screenshots before applying to prepare for possible troubles! BCE $250+$200…
Read more

Now It Is Possible to Get the $350 AF Offer for Citi Prestige in Branch without Citigold!

Let me first summarize the previous consensus about the annual fee (AF) of the Citi Prestige. If you are a Citigold client, you get a $350 AF offer no matter you apply online or in branch; if you are not a Citigold client, then the annual fee is $450. There was one exception: even if you are not a Citigold client, you could go to a…
Read more

Chase 5/24 Rule and Its Solution (Updated 2016.9)

2015.11.18 Updated: You can bypass the 5/24 rule if you get the in branch pre-qualify offer, or a mail offer with RSVP code! Details are in the following post. If you are a credit card lover, you must know that Chase used to be a typical bank which is hard to get the first credit card, but quite easy after the first success of approval. Its…
Read more

Discover + Apple Pay = 22%, 23% or 30% Cash Back!

2015.11.03 Update: People are starting to receive their 10% cashback. You need to wait for the second statement after the purchase to get this cashback, if you still don’t receive the cashback, please be patient. The datapoints show that, Discover really has the ability to distinguish whether you bought gift cards, you won’t get the 10% cashback for gift cards…
Read more

Will Banks Close My Inactive Credit Cards?

People who have many credit cards are often concerned about whether their cards will be canceled if they don’t use them frequently. What kind of negative effects will occur as credit cards are canceled? And do canceled credit cards influence your scores or make you appear on the blacklist? According to laws, banks indeed have the right to cancel your…
Read more

How to Avoid Chase Closing All Your Accounts

Previously, we introduced the risk monitoring method by AmEx: Financial Review (FR), of which many churners are wary of. Today we are going to tell something more nightmare-inducing: Chase may close all your credit card accounts!! A-L-L credit card accounts! We write not to scare you, but instead to help you find the right way to establish a good relationship with banks!…
Read more