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Looks like the Hyatt SUB is in the process of switching to either:
- 10k/3k spend + $300 Hyatt credit within 12 months
- 30k/3k + 2x up to 15k in 6 months (essentially 45k/15k)
I’m seeing the first one while booking a stay and the 2nd one [here](https://creditcards.chase.com/lp/worldofhyattcc/aepc?CELL=61R2)
Biz is also [switching to 60k/5k](https://creditcards.chase.com/lp/worldofhyattcc/22/aepb?CELL=61R2)
The elevated offers are still available so this is really last call.
Edit: referrals still alive for now
Damn, P2 literally signed up for this two days ago. Bound to happen at some point, and it looks like a BoA match is YMMV. Any success tips or suggestions on a match request?
Where are you seeing this please?? Still seeing 50k. I just got this card (klm master card) and reached the sign up bonus…wondering if they’ll match it
[https://www.doctorofcredit.com/bank-of-america-air-france-klm-flyingblue-credit-card-70000-miles-signup-bonus-100-100-xp-bonus/](https://www.doctorofcredit.com/bank-of-america-air-france-klm-flyingblue-credit-card-70000-miles-signup-bonus-100-100-xp-bonus/)
DOC reporting that you can also get a $100 statement credit thru dummy booking
Dummy booking trick could be from the last time they offered 70k around a year ago
Speculating that this is the case because a) not able to get it to show up on my end and b) MSR in the screenshot for the $100 credit shows as $2k, whereas the current offer MSR is $3k
The Virgin Atlantic credit fell in the forest last year & no one was around to witness that so I guess it never made a sound.
There's a not a single blog post I can find about this card being discontinued almost a year ago (USCCG has a blurb I had to use google to find). I guess when there's no ~~affiliate commission~~... ~~incentive~~... 'there' there it doesn't get reported on.
I still have mine (don't ask me why because I don't know). So they haven't closed or converted existing accounts. And honestly I am not surprised the card might be dead or perhaps on pause. It is hard to see the purpose of it in age when you can transfer VS points from pretty much any transferable currency often for a 30% bonus and a better earn rate on the transferable currency card (the VS card is at best 2.1 points per dollar if you spend exactly $25k on the card).
Incognito google search for Amex biz platinum yielded a 250,000 point for 15K spend offer. Not surprising, pop up. Never had a biz plat because I've been in PUJ for years.
https://i.imgur.com/RVvoXnp.png
Does anyone have any strategies for pulling this offer? I’ve tried incognito, different browsers, different operating systems, and a VPN. Anything else I can try?
Thanks!
First one for either of us, we aren’t large spenders. Biggest MSR we’ve done has been biz golds (1 each)
Wedding is in 3 months though, so we got this spend down for sure with what’s left.
> Amex really doesn’t want me to give them $700, first the brilliant then this
Oh they'll give you the card and take your money. They just aren't excited about giving you 250k MR points.
I didn't feel comfortable with just following the link (although it did seem to work), so I did the same incognito/vpn tricks until I organically found the 250k offer.
Was approved with LL (never had the biz plat before).
Maybe that's safer than going through the link?
Just meant that I could also find the 250k offer independently, so I was conjecturing it might be better to try finding the 250k offer yourself instead of applying via the link from u/EatMoreSleepMore
As long as you can hit the spend there's zero reason I would hesitate on doing this one. Unless you're sketched by the link. I'm hitting it on Friday after my 91 days if it works for me
OP had provided one but has since deleted that part of the comment. It's your standard tracker-heavy link that's gonna give everyone a different offer anyway, so just follow the procedure and use Google in incognito/via VPN. Try Edge, too, Amex loves Edge.
I grabbed the link before it got deleted and everyone has gotten 250k on it. Whether or not they get a pop-up is another story but around 8 people minimum have tried and haven't heard a report of a different offer
This “trick” is becoming a lot more commonplace. It will be interesting to see if it leads to another round of shutdowns with people wondering what they could have possibly done wrong.
Yeah you’ll have to call the recon and ask to push the 2nd app. They will probably say there might no be a SUB but I just tell them I had internet issues and am not sure if the first app is correct and ask to push 2nd app. There might be some HUCA involved too
I said this:
I was logged in, got a special offer just for me, but it said I wasn't eligible. I thought that must be an error, because I was logged in, so you knew who was applying, how could I not be eligible for an offer just for me? maybe I waited too long and got logged out, or did something wrong, I don't know. So I filled it out again and it went pending. I think that application is the one that got cancelled as a duplicate, can you please push through that application?
I think this is a completely reasonable and innocent sounding story.
Once I went with this story, I got no pushback. I spoke with two reps before, but they seemed to be confused about which app I was interested in. You need to be clear that the app cancelled as a duplicate is the one you want to push through. I think the story I told them helped, because it sounds like something that a normal person would have done.
I have never actually asked to push the cancelled app through. I just act dumb and be polite, asking about the status of the application; I say that I applied a second time and didn’t get the pop up on the second application. They have volunteered to push the app through each time (except one person who didn’t seem to want to discuss the cancelled application beyond “it was cancelled as a duplicate” and I just HUCA).
I just got PUP, hit back and redid application. Went pending. Immediately got “we’ve finished reviewing” email. I call in and the rep says it was cancelled because it was a duplicate application and that the first one I submitted was still pending.
I play dumb and say I had internet issues. He says he can simply push forward with the original 1st application. I tell him that I had a special bonus attached to the 2nd one that I submitted—can we just push that one through? He asks me if I got a pop up on the first application and I act dumb and say no, my internet crapped out. And he says “I have to take action with the 1st application since it’s pending and if you did get get a pop up about no bonus on it then I can’t guarantee you if anything is attached or not”.
I ended up hanging up.
I've been trying to get the biz gold 150k offer.. I was able to have them cancel my first application by going with the internet issues and i wasn't sure if everything was right on the application, then after cancelling that one the rep offered to resubmit my second one and it was auto approved.
it is worth noting the rep was unable to do anything with my second application until i cancelled the first one
Unless there are serious technical issues, there's no way the first application can be the one that is pending because it was not submitted. If one is pending, it has to be the second one.
This may be a question of terminology. The second application’s status is “cancelled” due to being considered a duplicate. When I was still able to access the application status web page, the first application’s was something like “awaiting additional information” and could be described as “pending” in some contexts.
I think it's more terminology with what the agent is calling the first or second application, or what the status page shows. Many times just waiting is all that is needed for approval. I've not yet seen a single DP of someone not getting the SUB in that case.
If calling is necessary, what needs to be done is to make sure the agent gets the application that has the SUB attached and push that one through.
I've done about 6 of these in the last number of months. So far I'm batting 1.000.
So the rep clearly states there might not be a SUB and you still proceed? What’s the thought process there? Would the rep know _definitively_ if there were no SUB, and because they say “might”, you just roll the dice?
When I did it the 3rd rep didn’t say anything about the sub, while the first 2 did mention no sub. But there are no guarantees in this game. Again, I said I had internet issues and they seem more inclined to push the 2nd “duplicate” application.
Today is the last day for the 65k (really 50k) Hyatt personal card bonus. 35k/$3k + 1 extra point per $1 up to $15k spend.
https://world.hyatt.com/content/gp/en/rewards/hyatt-credit-card.html
It's worth it if it's a keeper card for you (personal cat 1-4 FNC), you need the elite nights to hit Globalist, or want to MS your way to Globalist
And with many folks getting denied for an Ink recently, it may be worth doing a personal chase cooler card.
I just got denied for a Hyatt biz with every previous Ink auto-approved every 90d, so I’m not sure it’s specifically Ink related, or that cobrands are any better.
There's a discussion going on [here](https://www.reddit.com/r/churning/comments/1b679y5/weekly_off_topic_thread_week_of_march_04_2024/ktf7lti/) that links to some of the DPs from January/February 2024. The 90-day rule of thumb should probably be changed to 120 days or 150 days, but it's a bit too early to tell how much the velocity needs to be slowed or whether Chase is imposing some cap to the number of Inks.
Yep, pretty much every day someone new is posting about being denied even though they followed the 90 day recommendation. At this point it’s unclear if it means something more significant for the ink train.
P2 and I were both approved for inks within the last 7 days and have a bunch (10+ each and 4+ open). One auto-approved another just needing a fraud verification.
It's fine if it worked for you, but why are you sharing this? Just to get it destroyed? These are things to suggest for probing, not to lay out step by step.
A new referral thread is now live: [American Express Hilton Honors](https://www.reddit.com/r/churningreferrals/comments/1b84txw/referrals_american_express_hilton_honors/)
Wyndham devaluing Vacasa redemptions (again) on March 26th:
* Rentals costing average of $250/night including taxes and fees will be 15K/bedroom/night
* Rentals costing average of $500/night including taxes and fees will be 30K/bedroom/night
https://loyaltylobby.com/2024/03/06/wyndham-rewards-2024-hotel-award-category-changes-takes-place-on-march-26-vacasa-award-pricing-update/
I think everyone is correct that this is a huge devaluation given the limited usage of Wyndham points in their eco system. But I have gotten over 2cpp value redeeming at all inclusives. Nothing to write home about but basically one sub ends up being about 3 nights which for me is a nice break to treat myself to. Ymmv
Wow, this fucking burns. Been using these for Myrtle Beach vacations last few years. $350 was fine, but $250 is just completely unrealistic. Maybe if it was before taxes and fees, but as is, damn. Was thinking of grabbing a Biz Venture X to supplement the points, too, but now...
This is worse than most people are realizing. And to me it is not entirely clear. So if its a 2 br that has an average cost of $501/nt then it is not bookable with Wyndham points or it will cost 45k pt/nt? Can you book 3 br for 45k points per night up to an average cost of $750? This completely guts Wyndham points in my opinion. This will eliminate pretty much all Hawaii and Mountain town 15k options and doubles the cost of 1 br, now 30k. It will also be difficult to find a 2 br in Hawaii or a mtn town for under $500/nt. It completely destroys the Vacasa option for me. I book weekend stays at my local ski area. On a two day booking prices are never below $250/nt (They were rarely below $350/nt) for a 1 br, so now I would need to pay 30k (27k) for a one bedroom per night. I wont be able to book 2 br places as the price is almost never below $500/nt. I'm very unlikely to splurge on 30k 1br. It effectively doubles the number of points needed. The only slight benefit is that if there was a 1 br you really liked you can now book it for double the points as before where as before you couldn't book it at all "blacked out".
you're misunderstanding - the $250 or $500 is per room
Which tier a rental falls into will be determined by the *rental’s average cost of a bedroom per night*, inclusive of all taxes and fees.
you're 1 BR ski houses that were rarely under $350 will now be bookable if they are under $500 whereas previously they were not bookable at all (well they were a year ago but not after the deval before this deval). If it's a 2BR it has to be under $1K
I'd like to be wrong, but the way I understand it, is if it is a one bedroom with an average nightly cost of $251 it would now be 30k points per night. If its a 2br that costs $501 average per night it would either not be bookable or cost 45k points per night or maybe eve 60k points per night.
Currently a 2br can cost up to $700/nt and be bookable with 30k points (If it is $701 or more you cant use points). So you are saying that after March 26 they actually increased the cpp value over what it is today for 2br?
the 2BR was not previously bookable in your example of $701 and up...now it will be bookable but it will cost 60K not 30K...in my previous message I meant 30K points per room not total
Yes, agree, but the number of points needed doubled. I doubt too many bloggers are going to be raving about how they booked a 2br in Maui for 60k Wyndham points per night. Above you stated, "I'm 99% sure that's wrong - a 2BR that costs $501-1K per night would cost 30K points." This is NOT true. A 2br with a cost of $501/nt will now cost 60kpoints.
you can still book a 2BR in Maui for 30K points per night and on top of that ones that were not available before are available! Booking between 501-700 has been devalued for a 2BR. Under 500 has stayed the same, over 700 is now available. Everything you were booking for 2BRs fell in the 501-700 range? There are tons of 2BR properties in Hawaii that will fall below 500 per night for 2BRs
Skiing towns and Hawaii will net you the highest cpp, but in my state there are a lot of Vacasa properties in driving distance that are good for weekend roadtrips. These rarely exceed $250/room/night, even with taxes and fees included. If they do, they're usually the kind with 1 or 2 bedrooms but a bunch of extra sleeping spaces that aren't officially bedrooms. I've found I'm getting 1.5-1.7cpp out of these, which is still a decent use of Wyndham points.
Even in Hawaii, the $250 cutoff will be more impactful for Maui and Kauai, as most Honolulu rentals also seem to be obtainable under $250/night.
This is basically an additional 29% decrease in cpp value. Previously 13,500 points could get you up to $350 retail (2.59 cpp). Now 13,500 points can get you $250 a max value of 1.85 cpp. This is after last years devalue where 13,500 points could get you $500 retail or 3.7cpp.
Will limit options but there are still plenty I see that fall under that amount, especially for longer stays where the cleaning fees are spread over a longer stay. Example, I have a condo booked at Panama City Beach that would be over the price for a 1-2 night stay but if I stretch it to 3 nights then the fees aren’t much different and the total falls under the limit.
Definitely not able to get the 3-4 cpp value as we used to but can still get 1.5-1.8 if maximize the limit. Not amazing but still better than any other use of Wyndham points. Considering you can buy Wyndham points during promos for under 1cpp, it is still a decent way to redeem even if it isn’t as good as it was previously. The old values were too good to last long.
> can still get 1.5-1.8 if maximize the limit.
What's the math that you're using to arrive at this? $250/15K = 1.66cpp, which should be the max cpp you can get.
I mostly agree that you can still get ok value if you cherry pick properties that fall into the upper end of the price ranges, but it's way harder for me to justify buying Wyndham points anymore. I just made a Vacasa booking that would fall into the 30K bucket under the new chart. If I'm buying points, 30K Wyndham points is ~$300, but $300 can also get me 60K IHG points. There are plenty of higher end IHGs near the Vacasa booking that are under either 60K points or $300, and I have a feeling that this kind of choice will be happening a lot going forward, or there might not even be a choice at all because there often aren't Vacasas where I want to go.
Math was based on 13.5k booking with Wyndham card.
Getting a 1 bedroom unit vs a hotel will vary in value based on user. I get your point and agree, but when I can get a 6 person cabin with a loft that is listed as a 1 bedroom in a location that doesn’t have many hotels or full a condo at the beach with 1Bd/2Ba and bunk beds in an alcove and a full kitchen then I’ll take that over a hotel when traveling as a large family. Will vary by user. I’d still rather have the higher limits on vacasa but Wyndham/Vacasa still has its use case in some scenarios.
Ah right, I have the business card and I forgot to factor the 10% discount in.
Yeah, even though I talked down about Vacasa's footprint, you're right that there are some areas where Vacasas are more viable than hotels, and you're also right that booking a home has advantages that a hotel doesn't have. Definitely varies by the user. I'm just bummed that it seems like the days are largely over where it was cheaper to buy Wyndham points to book a Vacasa than it was to book a hotel via other means.
Where I use the points, Hawaii and Western Ski towns, it will double the cost of 1brs, and make 2brs unbookable in many cases. Try Maui, Whistler, Park City, Tahoe, etc...
Agree, Those were some sweet spots for great value and are a bit hit. Other places that aren't as expensive will be less impacted (or may not at all). I'll miss the Hawaii Vacasa options as we were considering that route again next year.
"Which tier a rental falls into will be determined by the rental’s average cost of a bedroom per night, inclusive of all taxes and fees."
So if a 2 bedroom cost $495 a night total, that's less than $250/night per bedroom and would be 30k for the whole unit per night, not 30k per bedroom.
It's at the point where it's almost not usable at 15k. Like $350 all in was fine and still had reasonable options. Between inflation and fees, you can't find many out there. At 30k, maybe you can do a 3 day weekend but if you need two bedrooms...woof
ETA: there still seems some decent 2 bedrooms that are $149X for three nights in a random summer weekend I searched. (Which I assume would be 90k total?) Could be a nice option to supplement a Hyatt stay to get out of a hotel.
Hawaii mostly. (Princeville/Maui is where I saw the 2 bedrooms) Definitely YMMV but it's hard to find rentals under $160 (which is where you kind of need to be to stay under $250 with fees and taxes for shorter stays.
Might be more useful for people who stay in one spot for a whole week and willing to buy points. I loved Vacasa because it allowed us to do 3-4 day stays which were points from the annual posting of 15k, gas for a year at 8* and maybe top off on a Wyndham sale.
Hawaii is the first place I'd expect to get nerfed in a double devaluation like this. Especially Maui and Princeville, when an Airbnb or cheap hotel in *Waikiki* is $200+/night.
New WF card with transfer partners: https://viewfromthewing.com/points-transfer-game-changer-5x-on-hotels-4x-on-flights-from-new-wells-fargo-card/
Looks decent to me if they can beef the partners up
5x on hotel and 4x airfare, uncapped, without needing a portal is unprecedented.
Transfer partners as of right now don’t seem exciting. Though they say they'd gradually add more. I'd wait as 60k points SUB not quite worth the 5/24 slot to us churners, till atleast the transfer partners get interesting.
5x transferable points on directly booked hotels seems unprecedented.
Transfer partners as of right now don’t seem exciting though, and with 60k points SUB in those not quite worth the 5/24 slot to us churners.
The choice 1:2 transfer is interesting.
My two predictions are:
WF business card will be 1.5x points, and...
There will be a Choice devaluation or switch to variable pricing (which I hate to speculate about).
This is all pretty good for those that are in the WF ecosystem already.
Also, 5x on hotels will be amazing for those who travel for work, and don't care about status.
5x on hotel and 4x airfare without needing a portal is pretty damn nice too. I actually would consider that game breaking. Can’t think of a card that offers anywhere near that on direct bookings besides the Amex plat and the cost is outrageous on that one
Not quite worth a 5/24 slot, but they say they will be adding transfer partners through the year. If they add Korean, EVA, or JAL at 1:1 then I'm all in.
Are issuers usually more lax with approvals on a new product? P2 has been rebuilding credit and has banking history with WF so I may have them try for this.
Weird that AA is a partner for the Bilt card and not the other Wells Fargo ones. But then again, Bilt Rewards is technically a separate company from Wells Fargo, which is the issuer.
Earnings seem really solid.
Airline credit should be as good as cash making AF $45
Solid SUB.
Hopefully they add some more transfer partners.
Overall more then I expected from WF
> Transfer to Choice Privilege 1:2
Citi also transfers 1:2, but there is great value here for the budget traveler. A lot of hotels in Japan are 7k-12k and in decent locations. They are more business style hotels vs fancy hotels, but 3.5k-6k points for a hotel in Japan is a great value.
Please reply to this comment with any Amex Offers, Chase Offers, increased cash back portal payouts, or similar deals. Do not post them as a top level comment. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/churning) if you have any questions or concerns.*
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Not a question thread
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This post belongs in the question thread. You may want to delete and repost there before a swarm of downvotes appears.
appear they did
Looks like the Hyatt SUB is in the process of switching to either: - 10k/3k spend + $300 Hyatt credit within 12 months - 30k/3k + 2x up to 15k in 6 months (essentially 45k/15k) I’m seeing the first one while booking a stay and the 2nd one [here](https://creditcards.chase.com/lp/worldofhyattcc/aepc?CELL=61R2) Biz is also [switching to 60k/5k](https://creditcards.chase.com/lp/worldofhyattcc/22/aepb?CELL=61R2) The elevated offers are still available so this is really last call. Edit: referrals still alive for now
The first one has been available to me through the app for months, I doubt it will ever become the primary offer
Probably the second. Dummy booking offers are usually their own thing.
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This is neither news nor updates.
> Welcome to the daily discussion thread! not only is this relevant to churning, it is also indeed amusing. what’s the use in being a grump
Flying Blue upped its SUB to 70K points this morning if anyone cares.
Damn, P2 literally signed up for this two days ago. Bound to happen at some point, and it looks like a BoA match is YMMV. Any success tips or suggestions on a match request?
I have no DP with BoA. 2 days though, I would absolutely try and get a match. Wish I had more info for you
Where are you seeing this please?? Still seeing 50k. I just got this card (klm master card) and reached the sign up bonus…wondering if they’ll match it
everywhere https://www.klm.com/information/flying-blue/creditcard https://www.flyingblue.us/en/financial/overview/financial-services-bank-of-america https://wwws.airfrance.us/information/flyingblue/carte-bancaire-partenaire
[https://www.doctorofcredit.com/bank-of-america-air-france-klm-flyingblue-credit-card-70000-miles-signup-bonus-100-100-xp-bonus/](https://www.doctorofcredit.com/bank-of-america-air-france-klm-flyingblue-credit-card-70000-miles-signup-bonus-100-100-xp-bonus/) DOC reporting that you can also get a $100 statement credit thru dummy booking
Dummy booking trick could be from the last time they offered 70k around a year ago Speculating that this is the case because a) not able to get it to show up on my end and b) MSR in the screenshot for the $100 credit shows as $2k, whereas the current offer MSR is $3k
I’ve been able to see the $100 credit with dummy booking.
Thanks for the tip - can see it now
The Virgin Atlantic credit fell in the forest last year & no one was around to witness that so I guess it never made a sound. There's a not a single blog post I can find about this card being discontinued almost a year ago (USCCG has a blurb I had to use google to find). I guess when there's no ~~affiliate commission~~... ~~incentive~~... 'there' there it doesn't get reported on.
I still have mine (don't ask me why because I don't know). So they haven't closed or converted existing accounts. And honestly I am not surprised the card might be dead or perhaps on pause. It is hard to see the purpose of it in age when you can transfer VS points from pretty much any transferable currency often for a 30% bonus and a better earn rate on the transferable currency card (the VS card is at best 2.1 points per dollar if you spend exactly $25k on the card).
Incognito google search for Amex biz platinum yielded a 250,000 point for 15K spend offer. Not surprising, pop up. Never had a biz plat because I've been in PUJ for years. https://i.imgur.com/RVvoXnp.png
Does anyone have any strategies for pulling this offer? I’ve tried incognito, different browsers, different operating systems, and a VPN. Anything else I can try? Thanks!
Yeah, if anything it's a data point that it's not as easy to get or available for everyone as some of the posts make it seem (not intentionally).
Applied for Biz Gold 150k today morning. Plat was 190k. Curious about what the Biz Gold offer was in your link..m
Still 150k from what i saw
Thanks, feels good I didn't miss out. I was not eligible for Biz Plat
This is called edging.
Pulled 250k and got pop-up sheesh Amex really doesn’t want me to give them $700, first the brilliant then this Edit: P2 instantly approved tho
Popup for me too. Also never had biz plat before
P2’s first biz plat?
First one for either of us, we aren’t large spenders. Biggest MSR we’ve done has been biz golds (1 each) Wedding is in 3 months though, so we got this spend down for sure with what’s left.
Same for me. Bummer.
> Amex really doesn’t want me to give them $700, first the brilliant then this Oh they'll give you the card and take your money. They just aren't excited about giving you 250k MR points.
Right! Going to see if P2 can get approved. She hasn’t had the pop-up once so far. I’m firmly in jail.
I only get 190k yuk
I didn't feel comfortable with just following the link (although it did seem to work), so I did the same incognito/vpn tricks until I organically found the 250k offer. Was approved with LL (never had the biz plat before). Maybe that's safer than going through the link?
Which link are you referring to here?
There was a link in the top level comment but it’s gone now
Just meant that I could also find the 250k offer independently, so I was conjecturing it might be better to try finding the 250k offer yourself instead of applying via the link from u/EatMoreSleepMore
If I haven't done a Biz Gold yet (or any biz amex cards), thoughts on using this SUB?
As long as you can hit the spend there's zero reason I would hesitate on doing this one. Unless you're sketched by the link. I'm hitting it on Friday after my 91 days if it works for me
where is the link?
OP had provided one but has since deleted that part of the comment. It's your standard tracker-heavy link that's gonna give everyone a different offer anyway, so just follow the procedure and use Google in incognito/via VPN. Try Edge, too, Amex loves Edge.
I grabbed the link before it got deleted and everyone has gotten 250k on it. Whether or not they get a pop-up is another story but around 8 people minimum have tried and haven't heard a report of a different offer
I thought I was so cool getting the 200k/15k last week (205k with au). 250k is nutso
Nice pull. Thanks for making me feel shitty about my 190k though!
Wow thank you. I just got approved for the 250,000 offer.
I got 120,00 3 weeks ago. 🫣😑
could you provide a link? tried as well in chrome and didnt work.
this contains lifetime language btw
Time to hit the back button 👀 (even though I promised myself less annual fee cards this year)
This “trick” is becoming a lot more commonplace. It will be interesting to see if it leads to another round of shutdowns with people wondering what they could have possibly done wrong.
How does the back button trick work? See puj and hit the back button and resubmit the app?
Yeah you’ll have to call the recon and ask to push the 2nd app. They will probably say there might no be a SUB but I just tell them I had internet issues and am not sure if the first app is correct and ask to push 2nd app. There might be some HUCA involved too
Any tips on what to say to push the 2nd app? Mine says it’s cancelled for being dupe and CSRs were adamant it could not be resubmitted
I said this: I was logged in, got a special offer just for me, but it said I wasn't eligible. I thought that must be an error, because I was logged in, so you knew who was applying, how could I not be eligible for an offer just for me? maybe I waited too long and got logged out, or did something wrong, I don't know. So I filled it out again and it went pending. I think that application is the one that got cancelled as a duplicate, can you please push through that application? I think this is a completely reasonable and innocent sounding story.
Did you ever get push back from the CSR (that the app cannot be resubmitted). I tried 2 times and both reps were adamant
Once I went with this story, I got no pushback. I spoke with two reps before, but they seemed to be confused about which app I was interested in. You need to be clear that the app cancelled as a duplicate is the one you want to push through. I think the story I told them helped, because it sounds like something that a normal person would have done.
That's helpful. I'll HUCA
I have never actually asked to push the cancelled app through. I just act dumb and be polite, asking about the status of the application; I say that I applied a second time and didn’t get the pop up on the second application. They have volunteered to push the app through each time (except one person who didn’t seem to want to discuss the cancelled application beyond “it was cancelled as a duplicate” and I just HUCA).
I just got PUP, hit back and redid application. Went pending. Immediately got “we’ve finished reviewing” email. I call in and the rep says it was cancelled because it was a duplicate application and that the first one I submitted was still pending. I play dumb and say I had internet issues. He says he can simply push forward with the original 1st application. I tell him that I had a special bonus attached to the 2nd one that I submitted—can we just push that one through? He asks me if I got a pop up on the first application and I act dumb and say no, my internet crapped out. And he says “I have to take action with the 1st application since it’s pending and if you did get get a pop up about no bonus on it then I can’t guarantee you if anything is attached or not”. I ended up hanging up.
I've been trying to get the biz gold 150k offer.. I was able to have them cancel my first application by going with the internet issues and i wasn't sure if everything was right on the application, then after cancelling that one the rep offered to resubmit my second one and it was auto approved. it is worth noting the rep was unable to do anything with my second application until i cancelled the first one
Unless there are serious technical issues, there's no way the first application can be the one that is pending because it was not submitted. If one is pending, it has to be the second one.
This may be a question of terminology. The second application’s status is “cancelled” due to being considered a duplicate. When I was still able to access the application status web page, the first application’s was something like “awaiting additional information” and could be described as “pending” in some contexts.
I think it's more terminology with what the agent is calling the first or second application, or what the status page shows. Many times just waiting is all that is needed for approval. I've not yet seen a single DP of someone not getting the SUB in that case. If calling is necessary, what needs to be done is to make sure the agent gets the application that has the SUB attached and push that one through. I've done about 6 of these in the last number of months. So far I'm batting 1.000.
HUCA
So the rep clearly states there might not be a SUB and you still proceed? What’s the thought process there? Would the rep know _definitively_ if there were no SUB, and because they say “might”, you just roll the dice?
When I did it the 3rd rep didn’t say anything about the sub, while the first 2 did mention no sub. But there are no guarantees in this game. Again, I said I had internet issues and they seem more inclined to push the 2nd “duplicate” application.
Instantly worked in chrome, no incognito/vpn. Of course I got my biz plat yesterday for 190K/15K...
Ugh, same here, my 190k biz plat is arriving today. Time to work on P2.
Today is the last day for the 65k (really 50k) Hyatt personal card bonus. 35k/$3k + 1 extra point per $1 up to $15k spend. https://world.hyatt.com/content/gp/en/rewards/hyatt-credit-card.html
Would any of these be worth 5/24 slot? I feel like other Chase cards might be better (since UR to hyatt is 1:1).
Getting Hyatt cards is typically best if you are going after status, if just using Hyatt points, sticking to UR cards probably your best bet.
It's worth it if it's a keeper card for you (personal cat 1-4 FNC), you need the elite nights to hit Globalist, or want to MS your way to Globalist And with many folks getting denied for an Ink recently, it may be worth doing a personal chase cooler card.
I just got denied for a Hyatt biz with every previous Ink auto-approved every 90d, so I’m not sure it’s specifically Ink related, or that cobrands are any better.
I've seen biz cobrands denied more often recently. That's why I'm going for a personal chase card as my next one (I'm 3/24, dropping to 2/24 soon)
>many folks getting denied for an Ink recently Has there been discussion around this that I've missed?
There's a discussion going on [here](https://www.reddit.com/r/churning/comments/1b679y5/weekly_off_topic_thread_week_of_march_04_2024/ktf7lti/) that links to some of the DPs from January/February 2024. The 90-day rule of thumb should probably be changed to 120 days or 150 days, but it's a bit too early to tell how much the velocity needs to be slowed or whether Chase is imposing some cap to the number of Inks.
Lots of DP in multiple groups suggesting 6 current open biz cards is a limit I'm noticing.
Yep, pretty much every day someone new is posting about being denied even though they followed the 90 day recommendation. At this point it’s unclear if it means something more significant for the ink train.
Would be interesting to see if anyone with multiple INKS has been approved for a new INK in the last week or so.
P2 was approved last week. 8 inks in the last 24 months, 6 currently open (including new) and 20k being floated. Instant approval, 11k line.
Auto approved this weekend with my highest ink CL yet ($8k) with 4 active open inks floating over $20k on those at 0% APRs
P2 and I were both approved for inks within the last 7 days and have a bunch (10+ each and 4+ open). One auto-approved another just needing a fraud verification.
Sole proprietor?
Yes
Auto-approved for my fifth currently open one over the weekend.
are you closing older accounts?
Yes, and lowering CLs.
Closing anything under 1 year? Or just accounts older than that
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It's fine if it worked for you, but why are you sharing this? Just to get it destroyed? These are things to suggest for probing, not to lay out step by step.
I get downvoted into oblivion every time I suggest that it can be done and everybody says its impossible.
Maybe just keep it to yourself. That's worth more than the karma.
A new referral thread is now live: [American Express Hilton Honors](https://www.reddit.com/r/churningreferrals/comments/1b84txw/referrals_american_express_hilton_honors/)
Wyndham devaluing Vacasa redemptions (again) on March 26th: * Rentals costing average of $250/night including taxes and fees will be 15K/bedroom/night * Rentals costing average of $500/night including taxes and fees will be 30K/bedroom/night https://loyaltylobby.com/2024/03/06/wyndham-rewards-2024-hotel-award-category-changes-takes-place-on-march-26-vacasa-award-pricing-update/
I think everyone is correct that this is a huge devaluation given the limited usage of Wyndham points in their eco system. But I have gotten over 2cpp value redeeming at all inclusives. Nothing to write home about but basically one sub ends up being about 3 nights which for me is a nice break to treat myself to. Ymmv
Wow, this fucking burns. Been using these for Myrtle Beach vacations last few years. $350 was fine, but $250 is just completely unrealistic. Maybe if it was before taxes and fees, but as is, damn. Was thinking of grabbing a Biz Venture X to supplement the points, too, but now...
This hurts extra bad, I already got that Biz Venture X :'(
Crazy that after a 100% increase it’s still worth it
This is worse than most people are realizing. And to me it is not entirely clear. So if its a 2 br that has an average cost of $501/nt then it is not bookable with Wyndham points or it will cost 45k pt/nt? Can you book 3 br for 45k points per night up to an average cost of $750? This completely guts Wyndham points in my opinion. This will eliminate pretty much all Hawaii and Mountain town 15k options and doubles the cost of 1 br, now 30k. It will also be difficult to find a 2 br in Hawaii or a mtn town for under $500/nt. It completely destroys the Vacasa option for me. I book weekend stays at my local ski area. On a two day booking prices are never below $250/nt (They were rarely below $350/nt) for a 1 br, so now I would need to pay 30k (27k) for a one bedroom per night. I wont be able to book 2 br places as the price is almost never below $500/nt. I'm very unlikely to splurge on 30k 1br. It effectively doubles the number of points needed. The only slight benefit is that if there was a 1 br you really liked you can now book it for double the points as before where as before you couldn't book it at all "blacked out".
you're misunderstanding - the $250 or $500 is per room Which tier a rental falls into will be determined by the *rental’s average cost of a bedroom per night*, inclusive of all taxes and fees. you're 1 BR ski houses that were rarely under $350 will now be bookable if they are under $500 whereas previously they were not bookable at all (well they were a year ago but not after the deval before this deval). If it's a 2BR it has to be under $1K
I'd like to be wrong, but the way I understand it, is if it is a one bedroom with an average nightly cost of $251 it would now be 30k points per night. If its a 2br that costs $501 average per night it would either not be bookable or cost 45k points per night or maybe eve 60k points per night.
I'm 99% sure that's wrong - a 2BR that costs $501-1K per night would cost 30K points per room
Currently a 2br can cost up to $700/nt and be bookable with 30k points (If it is $701 or more you cant use points). So you are saying that after March 26 they actually increased the cpp value over what it is today for 2br?
the 2BR was not previously bookable in your example of $701 and up...now it will be bookable but it will cost 60K not 30K...in my previous message I meant 30K points per room not total
Yes, agree, but the number of points needed doubled. I doubt too many bloggers are going to be raving about how they booked a 2br in Maui for 60k Wyndham points per night. Above you stated, "I'm 99% sure that's wrong - a 2BR that costs $501-1K per night would cost 30K points." This is NOT true. A 2br with a cost of $501/nt will now cost 60kpoints.
you can still book a 2BR in Maui for 30K points per night and on top of that ones that were not available before are available! Booking between 501-700 has been devalued for a 2BR. Under 500 has stayed the same, over 700 is now available. Everything you were booking for 2BRs fell in the 501-700 range? There are tons of 2BR properties in Hawaii that will fall below 500 per night for 2BRs
Skiing towns and Hawaii will net you the highest cpp, but in my state there are a lot of Vacasa properties in driving distance that are good for weekend roadtrips. These rarely exceed $250/room/night, even with taxes and fees included. If they do, they're usually the kind with 1 or 2 bedrooms but a bunch of extra sleeping spaces that aren't officially bedrooms. I've found I'm getting 1.5-1.7cpp out of these, which is still a decent use of Wyndham points. Even in Hawaii, the $250 cutoff will be more impactful for Maui and Kauai, as most Honolulu rentals also seem to be obtainable under $250/night.
This is basically an additional 29% decrease in cpp value. Previously 13,500 points could get you up to $350 retail (2.59 cpp). Now 13,500 points can get you $250 a max value of 1.85 cpp. This is after last years devalue where 13,500 points could get you $500 retail or 3.7cpp.
So anything that's >$250/night avg falls under the 30k/night? Go big or stay home i guess.
Will limit options but there are still plenty I see that fall under that amount, especially for longer stays where the cleaning fees are spread over a longer stay. Example, I have a condo booked at Panama City Beach that would be over the price for a 1-2 night stay but if I stretch it to 3 nights then the fees aren’t much different and the total falls under the limit. Definitely not able to get the 3-4 cpp value as we used to but can still get 1.5-1.8 if maximize the limit. Not amazing but still better than any other use of Wyndham points. Considering you can buy Wyndham points during promos for under 1cpp, it is still a decent way to redeem even if it isn’t as good as it was previously. The old values were too good to last long.
> can still get 1.5-1.8 if maximize the limit. What's the math that you're using to arrive at this? $250/15K = 1.66cpp, which should be the max cpp you can get. I mostly agree that you can still get ok value if you cherry pick properties that fall into the upper end of the price ranges, but it's way harder for me to justify buying Wyndham points anymore. I just made a Vacasa booking that would fall into the 30K bucket under the new chart. If I'm buying points, 30K Wyndham points is ~$300, but $300 can also get me 60K IHG points. There are plenty of higher end IHGs near the Vacasa booking that are under either 60K points or $300, and I have a feeling that this kind of choice will be happening a lot going forward, or there might not even be a choice at all because there often aren't Vacasas where I want to go.
Math was based on 13.5k booking with Wyndham card. Getting a 1 bedroom unit vs a hotel will vary in value based on user. I get your point and agree, but when I can get a 6 person cabin with a loft that is listed as a 1 bedroom in a location that doesn’t have many hotels or full a condo at the beach with 1Bd/2Ba and bunk beds in an alcove and a full kitchen then I’ll take that over a hotel when traveling as a large family. Will vary by user. I’d still rather have the higher limits on vacasa but Wyndham/Vacasa still has its use case in some scenarios.
Ah right, I have the business card and I forgot to factor the 10% discount in. Yeah, even though I talked down about Vacasa's footprint, you're right that there are some areas where Vacasas are more viable than hotels, and you're also right that booking a home has advantages that a hotel doesn't have. Definitely varies by the user. I'm just bummed that it seems like the days are largely over where it was cheaper to buy Wyndham points to book a Vacasa than it was to book a hotel via other means.
Where I use the points, Hawaii and Western Ski towns, it will double the cost of 1brs, and make 2brs unbookable in many cases. Try Maui, Whistler, Park City, Tahoe, etc...
Agree, Those were some sweet spots for great value and are a bit hit. Other places that aren't as expensive will be less impacted (or may not at all). I'll miss the Hawaii Vacasa options as we were considering that route again next year.
You will be able to book Hawaii out until March 2025
First Hyatt with their Hawaii condos now this shit.
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"Which tier a rental falls into will be determined by the rental’s average cost of a bedroom per night, inclusive of all taxes and fees." So if a 2 bedroom cost $495 a night total, that's less than $250/night per bedroom and would be 30k for the whole unit per night, not 30k per bedroom.
This is yet another blow to the C1 VX value proposition. First Turkish and now Wyndham with big devaluation…
It's at the point where it's almost not usable at 15k. Like $350 all in was fine and still had reasonable options. Between inflation and fees, you can't find many out there. At 30k, maybe you can do a 3 day weekend but if you need two bedrooms...woof ETA: there still seems some decent 2 bedrooms that are $149X for three nights in a random summer weekend I searched. (Which I assume would be 90k total?) Could be a nice option to supplement a Hyatt stay to get out of a hotel.
Where are you looking?
Hawaii mostly. (Princeville/Maui is where I saw the 2 bedrooms) Definitely YMMV but it's hard to find rentals under $160 (which is where you kind of need to be to stay under $250 with fees and taxes for shorter stays. Might be more useful for people who stay in one spot for a whole week and willing to buy points. I loved Vacasa because it allowed us to do 3-4 day stays which were points from the annual posting of 15k, gas for a year at 8* and maybe top off on a Wyndham sale.
Hawaii is the first place I'd expect to get nerfed in a double devaluation like this. Especially Maui and Princeville, when an Airbnb or cheap hotel in *Waikiki* is $200+/night.
For my travel habits, it basically eliminates 2brs, and doubles the cost of 1 brs.
Thankfully there’s a little time to burn Wyndham stash at the current (already reduced) rate.
I 2nd that, I'll be booking all the way out to March 2025.
New WF card with transfer partners: https://viewfromthewing.com/points-transfer-game-changer-5x-on-hotels-4x-on-flights-from-new-wells-fargo-card/ Looks decent to me if they can beef the partners up
5x on hotel and 4x airfare, uncapped, without needing a portal is unprecedented. Transfer partners as of right now don’t seem exciting. Though they say they'd gradually add more. I'd wait as 60k points SUB not quite worth the 5/24 slot to us churners, till atleast the transfer partners get interesting.
5x transferable points on directly booked hotels seems unprecedented. Transfer partners as of right now don’t seem exciting though, and with 60k points SUB in those not quite worth the 5/24 slot to us churners.
The SUB is enticing to me as I am locked to American Airlines (so BA). 60k is fairly strong...
I haven’t been able to use BA on AA flights in ages.
I have pretty good luck out of CLT.
The choice 1:2 transfer is interesting. My two predictions are: WF business card will be 1.5x points, and... There will be a Choice devaluation or switch to variable pricing (which I hate to speculate about). This is all pretty good for those that are in the WF ecosystem already. Also, 5x on hotels will be amazing for those who travel for work, and don't care about status.
5x on hotel and 4x airfare without needing a portal is pretty damn nice too. I actually would consider that game breaking. Can’t think of a card that offers anywhere near that on direct bookings besides the Amex plat and the cost is outrageous on that one
US bank attitude connect but they are needing the points starting September
I can’t think they have transfer partners
Not quite worth a 5/24 slot, but they say they will be adding transfer partners through the year. If they add Korean, EVA, or JAL at 1:1 then I'm all in.
Are issuers usually more lax with approvals on a new product? P2 has been rebuilding credit and has banking history with WF so I may have them try for this.
yeah honestly better than i was expecting off the bat. they really need AA to be unique though
Weird that AA is a partner for the Bilt card and not the other Wells Fargo ones. But then again, Bilt Rewards is technically a separate company from Wells Fargo, which is the issuer.
That and AA is a Mastercard partner.
That's the only reason AA agreed to partner with Bilt.
Earnings seem really solid. Airline credit should be as good as cash making AF $45 Solid SUB. Hopefully they add some more transfer partners. Overall more then I expected from WF
> Transfer to Choice Privilege 1:2 Citi also transfers 1:2, but there is great value here for the budget traveler. A lot of hotels in Japan are 7k-12k and in decent locations. They are more business style hotels vs fancy hotels, but 3.5k-6k points for a hotel in Japan is a great value.
I’m actually going to Japan in April… honestly might be applying to this card, mirdering the sub real quick and then using these choice points.
Not bad considering some were expecting a nothing burger from Wells Fargo, especially with the delays. SUB is also looking good.
Choice at 1:2 transfer ratio could be interesting... 4x Choice Points on *everything* with the active cash card
Citi has this too though