Bank Feature Summaries

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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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…
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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…
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Discover + Apple Pay = 22%, 23% or 30% Cash Back! (Expired)

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…
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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!…
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How to Avoid Financial Review (FR) from Amex?

Several days ago Amex finally introduced the 100k offer for the Platinum Card as well as ED and BCE’s 25k/$250, lots of people applied and were approved for these offers. At the same time, however, Amex strengthened their efforts on Financial Review and recent data points show many users going through this process. In this post, we will briefly introduce the…
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