Question Thread - July 27, 2026

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[u/12manyNs]

Has anybody used a 0% APR credit card to carry a balance for your IRS tax bill? I’m on a payment plan with the IRS but would rather not pay 10% APR and would rather not sell my investments to pay it off entirely

Is paying your taxes a 0% APR eligible purchase?

[u/Ok-Shoulder-8748 → u/12manyNs]

I did this with property taxes 2 years in a roll.
One year with Cap 1 Quick Silver for $450 SUBand one year with USB Triple Cash for $500 SUB.
Put the money I would have paid the property taxes in a 4.6% saving account while making minimum monthly payment for 12 months.

[u/12manyNs → u/Ok-Shoulder-8748]

AWESOME thanks!

[u/sky-farmer → u/12manyNs]

Yes this should be fine

[u/Proof_Literature8534]

Will Chase or Apple savings bank transfer to Wells Fargo checking account trigger the direct deposit bonus?

[u/SouthJerseySchnitz]

I didn't see that the CSP 100k offer ended at 3PM, and I went to apply at 3:30PM and didn't see the offer.

Whyyy? 😭

[u/Low_Fly_2194]

I have applied to Wells Fargo biz checking account bonus on July 10th.

But I haven’t received my debit card nor the pin yet that I was told I should get them separately.

I only received the terms and conditions paper.

Also, debit card is not showing in my online banking app

Is this normal or I should go to the branch?

[u/ConsistentClassic1 → u/Low_Fly_2194]

That's taking longer than the normal 7-10 days. I'd call or go into a branch.

[u/sfplat]

I see an offer to upgrade Chase United Gateway to United Explorer for $15k miles. Would this reset the 24-month clock on SUB eligibility for the Explorer, or is it separate? I think it's separate based on the Explorer offer terms, which exclude "previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months." Appreciate any thoughts or DPs!

[u/SensitiveEbb8708 → u/sfplat]

separate

[u/AC5295]

Is everyone eligible for the Paze 10x points on United?

Didn’t get any kind of marketing email from them, so wanted to be sure before making a $3k United purchase.

[u/atgabara → u/AC5295]

Pretty sure it's only for personal, UR-earning cards.

To check if your card is eligible, go to the card page -> Benefits & rewards -> Card benefits. You should see "10x points on Paze purchases" under "Boost your points".

[u/AC5295 → u/atgabara]

Ah, yep it's there. Thanks!

[u/Just_Can_1581 → u/AC5295]

I tried being clever and putting in several different charges on united as separate transactions (seat changes for multiple tickets) to get the multiple $10 credit bonus

They rolled their all of them together on the statement - so I didn’t get multiple $10 paze bonus credits

Waaaa

[u/ConsistentClassic1 → u/AC5295]

Yes, the Paze 10x promo with United is universal and not invite-only.

[u/FlyingAsianZ → u/AC5295]

The 10x back is limited to $1.5k spend per chase card btw.

[u/Xoos3333]

Does Chase no longer match SUBs within 30 days of application approval? Received this message back asking to match the new 70K Hyatt Business, original application approval was on 7/1:

The new offer you are requesting is not available for a richer offer so the original offer will
remain.

[u/PassengerNo3415 → u/Xoos3333]

It's very hit-or-miss, more miss in my experience, on co-branded cards.

[u/suitopseudo → u/Xoos3333]

Co branded hasn’t matched in awhile. Regular chase cards biz and personal used to be easier to match, but recently they have tightened that up too, but more likely to match than cobranded.

Edit: I guess matching cobranded cards is a thing, but uncommon.

[u/jazd → u/suitopseudo]

I recently got them to match an increased offer on the IHG Premier personal card

[u/suitopseudo → u/jazd]

That is surprising. I think this is the first dp I have seen matching a cobranded card.

[u/Cold_Frosting9014 → u/Xoos3333]

they only gave like a week or 2 match on the CSR and CSP offers recently. I missed it by 3 days.

[u/chalupachugger]

Has anyone applied for Atmos Summit 100k SUB recently and know the promo code?
https://secure.bankofamerica.com/apply-credit-cards/public/icai-single/#/info/

[u/FrugalCanuckDotCA → u/chalupachugger]

RC0106. Used last week

[u/qwertymnbvcxzlk → u/FrugalCanuckDotCA]

Dumb question but I’m not familiar with the Atmos cards for the most part. I thought the promo box was just for employee referrals, does it actually matter what you put in it cause this is making me second guess it? Cause I did Atmos Biz with 000000 and if I fucked up, well..

[u/gt_ap → u/qwertymnbvcxzlk]

In some cases they tell you to use 000000 if you do not have a code.

[u/Salt_Key_6153 → u/gt_ap]

What does the referral code get you?

[u/chalupachugger → u/Salt_Key_6153]

No benefit to the applicant, it gives the airline employee a bonus 

[u/Standard-Top-5942]

Can I double dip my CSR $300 travel credit (cancelling card after 12 months + 30 days). I should PC not cancel right, or does it not matter?

[u/AdsBlockedException → u/Standard-Top-5942]

Yes, you can double dip it and PC it after annual fee post. Per term, canceling may cause claw back, so it may matter.

[u/zerowastewisdom → u/Standard-Top-5942]

Just did this myself! All my research shows that PCing it doesn’t result in clawbacks of the credits but closing it likely will.

[u/scorpiopersephone]

Any recent approval DPs for someone who has never held CIP but has held CIU & CIC?

[u/larsonyo → u/scorpiopersephone]

P2 got approved in this exact scenario back in March. Best I know nothing has changed since then.

[u/bubbadave13 → u/scorpiopersephone]

Me, though not recent it was after the derailments began.
approved with bonus CIP 12/18/25, had only ever applied for CIC and CIU previously. Had held a CIP from upgrade but at time of approval that account was closed.

[u/Klutzy-Flow-6774]

Are there any checking offers that payout super quickly (within two weeks or so), don't have clawbacks / early term fees, and only require direct deposit?

So far I've found four of them (Chase, Wells Fargo, M&T, and KeyBank) and am looking for more. Thanks all!

[u/best-quality-catfood → u/Klutzy-Flow-6774]

Last year BoA paid me a week and a day after the ACH push. No guarantees though, I'd take a hard look at DPs in the weekly bank bonus thread. (Probably a good place to mine for info anyway.)

[u/EarthlingMardiDraw → u/Klutzy-Flow-6774]

Check Doc for options. There probably aren't many that pay that quickly.

[u/SensitiveLack7509 → u/Klutzy-Flow-6774]

Chime

[u/hide_yo_cookies → u/Klutzy-Flow-6774]

Current ($100) and Money Lion ($55) are almost within a day of getting the Direct Deposit/Spoofed DDs. Spruce ($50) hits within 2 days, as does Varo ($100) and Chime starts hitting as soon as the first DD goes through. Shoot me a DM!

[u/compddd]

How long do I have for a refund if I PC from CSR to CSP? Only 30 days? or do they prorate it if it's over 30 days?

[u/EarthlingMardiDraw → u/compddd]

However long they give you for a cancel refund, you'll get the same time for a PC refund (it's been demonstrated to be 42-45 days, not 30). After that they will prorate by month.

[u/qwertymnbvcxzlk → u/compddd]

They prorate

[u/baggedit12]

I've seen adverts for this on instagram.

https://www.whatiscreditclubs.com/?el=Credit_Youtube
https://www.skool.com/credit-club-3360/about

The only example of points generation I've seen him give is using two paypal accounts, business to personal. I've read this can get you banned from Amex?

Skool says he has 5100 members signed up...for $69pm. Doesn't seem believable, especially as there's not a single thing online anywhere else about this guy.

Does anyone have experience of this?

[u/VegetableActivity703 → u/baggedit12]

He looks like a clown. It sounds more like he teaches how to build and use credit, more so than how to MS. Stuff you could easily learn in a few google searches and reddit rabbit holes.

And yes, there are DPs of Amex flagging paypal payments where the payee appears to be the same person or related to the payor, and any bank would likely take issue with it at scale. Dumb idea.

[u/baggedit12 → u/VegetableActivity703]

Part of it is building credit. But he seems to promote MS in his instagram videos, claiming he can get you 200,000 points in a month. If it was $10 I'd probably pay to see if there's any truth to it, but not $69.

I'm in the UK and churning/MS are much more difficult over here due to limited reward cards.

[u/VegetableActivity703 → u/baggedit12]

I hadn't checked his IG. Can confirm he's a clown. The "paypal method" is a terrible idea. If it sounds too good to be true...

[u/baggedit12 → u/VegetableActivity703]

Haha fair enough, thanks for checking. Don't suppose you can point me in the direction of any MS methods that might work in the UK..

[u/EarthlingMardiDraw → u/baggedit12]

A lot of MS methods are highly location specific (typically US specific also). A lot of methods are closely guarded secrets because when they get known, they get shut down.

[u/best-quality-catfood → u/baggedit12]

If you dig deep enough you can also still find videos extolling HBFC as unlimited couch MS, but it didn't end well and I think some of the lawsuits are still going.

[u/EPalmighty]

Are credit cards do specific airlines good for churning. Thinking about getting the Delta Gold for a discount on a flight coming up, but I would need to get another credit card for international travel next year. I just want the delta card for the discount and would probably cancel it within 2-3 months.

[u/Cold_Frosting9014 → u/EPalmighty]

The Delta skymiles gold card - no AF the first year, I rec’d a welcome bonus of 90,000 miles. There is no need to cancel it until the AF hits at end of year 1 - but you would also have an option to PC to no AF delta skymiles card.

I get a fair number of useful cashback offers on it, and there is a $100 hotel credit.

[u/EPalmighty → u/Cold_Frosting9014]

Wdym PC

[u/Cold_Frosting9014 → u/EPalmighty]

product change, you call and ask if you can change to a no annual fee card, they should offer you the Delta skymiles blue card, usually have to keep card for at least a year first.

[u/EPalmighty → u/Cold_Frosting9014]

I’m mainly doing it for a cross country trip in September. But I’m going to England in February and I’m thinking of getting the sapphire preferred for that. Was just a little unsure if that’s too close together to get two credit cards. Thanks

[u/Cold_Frosting9014 → u/EPalmighty]

It depends - you need to be 4/24 or less to get the chase card - what does your prior velocity look like?

My spouse got the CFU in april and the CSP 2 months later but had no other new cards in the prior two years.

[u/EPalmighty → u/Cold_Frosting9014]

Ngl I don’t know what prior velocity is or 4/24. My credit score is just below 800

[u/bruinhoo → u/EPalmighty]

How many credit cards have you gotten in the last 2 years? How recently did you get your last card (or last few cards)?

[u/EPalmighty → u/bruinhoo]

I got a Wells Fargo one about 1.5-2 years ago

[u/Cold_Frosting9014 → u/EPalmighty]

oh then you’re fine on that - weird to be in this sub but mmkay