I love credit cards so much! v2.0 (see first page for add'l details)

[amalone1013]

I would look on reddit to buy one or just risk the public links.

I've been wondering the past few days where we were at on this... Debating my next card(s).

 

[LuckyMamaInDE]

I’m living vicariously through so many of you. I swear I miss Disney so much I was looking at my food photos from the last time I was there. #sob

I’m so jealous of all the passholder preview SWGE talk and I don’t even like Star Wars (like, not even a little!)

It's been a year since our last trip and we won't be going until March This is the longest break since August 2005-April 2007

 

[miztressuz]

Does BoA have terms on the checking bonus like Chase? I.e. must keep the DD amount in the account for X days and you cannot close the account for X days after getting the bonus? I tried reading the offer details and all I am seeing is that you have to have the $4,000 DD in less than 90 days and then BoA will give you your bonus within 60 days of meeting it. Did I miss something? I am thinking of applying today. Just got paid so I won't have a DD for 2 weeks, but I guess that is fine.

Nope, no need to hold it for BoA, no "gotchas" in the offer details - just what it says. And I don't see any early termination fees so after getting the bonus looks like you can close any time. (you can check your schedules here - https://www.bankofamerica.com/deposits/account-fees/ and here - https://www.bankofamerica.com/deposits/checking/checking-clarity-statement/ - as they ask for zip code so it may change by region.)
As for timing, just make sure you have enough time for the DD to switch and get in enough pays to make the 4k within the 90 days. With hubby's payroll sometimes it's super quick to switch and other times it take a pay cycle to go through.

I'd suggest screenshots with the offercode showing. There has been some reports from the last targeted promotion that BoA claims the promocode wasn't attached, so it'd be useful to have if something should happen. When you start the application the promo code is shown first and I see it up in the URL too.

 

[speedyfishy]

I've been wondering the past few days where we were at on this... Debating my next card(s).

There are DPs on Reddit of public links still working for Biz #2. Maybe try a different offer?

 

[LuckyMamaInDE]

Nope, no need to hold it for BoA, no "gotchas" in the offer details - just what it says. And I don't see any early termination fees so after getting the bonus looks like you can close any time. (you can check your schedules here - https://www.bankofamerica.com/deposits/account-fees/ and here - https://www.bankofamerica.com/deposits/checking/checking-clarity-statement/ - as they ask for zip code so it may change by region.)
As for timing, just make sure you have enough time for the DD to switch and get in enough pays to make the 4k within the 90 days. With hubby's payroll sometimes it's super quick to switch and other times it take a pay cycle to go through.

I'd suggest screenshots with the offercode showing. There has been some reports from the last targeted promotion that BoA claims the promocode wasn't attached, so it'd be useful to have if something should happen. When you start the application the promo code is shown first and I see it up in the URL too.

Hmm, very interesting! This could be a good one for me/us. I think there's enough time to change dh's DD info before the next pay period.

 

[kidsfirsttrip]

It wasn't a knock, it was just looking at the demographics of who actually churns based on our surveys as well as who TPG's markets towards.

Example, if you're 40+, you're an outlier. If you make $160k+, you're an outlier. Around 85% of the people who churn fall between 23-39 and make $140k household or less, with the biggest bulk being in between $80-140k. That comprises 70% of the group. This is also who TPG's target demographic is.

If you fall outside of that, like many of us likely do, we still find value in it and it's worth our time. That's why we're here.

My point was; that I would wager the ABD target market is those who make over $140k household income, although I don't have their numbers, so it was just an assumption. I mean, you want to go to Japan w/ ABD? That's ~$45k for your family of 4, not including flights. Churning allows for aspirational trips that most otherwise couldn't afford.

Wow I’m an outlier for both categories. I’ve never been one before!!!! I’m waging there are a lot less females in rchurning too. Where id say over her I bet the most represented group is 40 something females

Thanks that makes me feel better. Don’t know if they bought the insurance, but they did book through VRBO.
Thanks so much! Very nice of you both to say. I ended up getting them a $100 visa gift card (bought it before I saw your comments @SouthFayetteFan) and gave it to them this afternoon. We don't normally stop in on our renters, but kind of unusual circumstances. They seemed very gracious.
I feel good about the decision. I don't think they expected anything, but I felt really bad that they were without power in a rental for that long.

That was really nice of you. We usually rent s house for a week in Dennisport for a week (first week of aug) and wouldn’t expect anything from the owner. We actually decided this year to do a long weekend at the Red Jacket Resort instead. Hope it’s not too damaged!!!

I have spent at least $3k on dh cards and can’t get him out of pop up jail to save my life.

Me neither! So frustrating. I just took the upgrade in his biz green (to biz plat) to see what happens. They will get plenty on spend and the MRs plus travel credit will outweigh the super high annual fee. Figured it was worth a shot!!

 

[striker1064]

Does BoA have terms on the checking bonus like Chase? I.e. must keep the DD amount in the account for X days and you cannot close the account for X days after getting the bonus? I tried reading the offer details and all I am seeing is that you have to have the $4,000 DD in less than 90 days and then BoA will give you your bonus within 60 days of meeting it. Did I miss something? I am thinking of applying today. Just got paid so I won't have a DD for 2 weeks, but I guess that is fine.

Nope, no need to hold it for BoA, no "gotchas" in the offer details - just what it says. And I don't see any early termination fees so after getting the bonus looks like you can close any time. (you can check your schedules here - https://www.bankofamerica.com/deposits/account-fees/ and here - https://www.bankofamerica.com/deposits/checking/checking-clarity-statement/ - as they ask for zip code so it may change by region.)
As for timing, just make sure you have enough time for the DD to switch and get in enough pays to make the 4k within the 90 days. With hubby's payroll sometimes it's super quick to switch and other times it take a pay cycle to go through.

I'd suggest screenshots with the offercode showing. There has been some reports from the last targeted promotion that BoA claims the promocode wasn't attached, so it'd be useful to have if something should happen. When you start the application the promo code is shown first and I see it up in the URL too.

Just to verify yes, for both DW and I last year I pulled the money out of our BoA accounts as soon as the bonus posted and closed them once the transactions cleared. There are no terms about length of time or anything like that.

BoA mails a letter on account opening and that letter will have the information about the bonus. If you don't get the letter or the bonus isn't there, call them.

 

[jhoannam]

.

 

[PolyRob]

Nope, no need to hold it for BoA, no "gotchas" in the offer details - just what it says. And I don't see any early termination fees so after getting the bonus looks like you can close any time. (you can check your schedules here - https://www.bankofamerica.com/deposits/account-fees/ and here - https://www.bankofamerica.com/deposits/checking/checking-clarity-statement/ - as they ask for zip code so it may change by region.)
As for timing, just make sure you have enough time for the DD to switch and get in enough pays to make the 4k within the 90 days. With hubby's payroll sometimes it's super quick to switch and other times it take a pay cycle to go through.

I'd suggest screenshots with the offercode showing. There has been some reports from the last targeted promotion that BoA claims the promocode wasn't attached, so it'd be useful to have if something should happen. When you start the application the promo code is shown first and I see it up in the URL too.

Thank you! I am going to apply this afternoon. I already screenshotted the offer details. I will be thorough and do the same with the application and promo code!

I was honestly shocked how fast my DD changed for Chase. I did it online Monday, payroll ran Tuesday, and the DD cleared Friday! Hoping this one is just as fast!

 

[SouthFayetteFan]

...Will try to post pics in the Hotel thread.

I've heard of this hotel thread... some jerk that runs it hasn't updated the index in ages...

sorry guys...I promise I'll get around to it eventually! I do love looking at that thread though and thinking about the places I could go!

 

[afan]

Was able to buy 8k in sb today! I'm guessing that it'll stay at 20 for 20 until the swago board is over because one of the squares is to buy sb. People would be livid if they didn't offer at least one of the options at face value. It has to be submitted by 12am on the 30th. So I expect it'll work until then.

 

[PolyRob]

Just to verify yes, for both DW and I last year I pulled the money out of our BoA accounts as soon as the bonus posted and closed them once the transactions cleared. There are no terms about length of time or anything like that.

BoA mails a letter on account opening and that letter will have the information about the bonus. If you don't get the letter or the bonus isn't there, call them.

Great, thank you! Not a big deal to keep money in there for a little, but I have no intentions of actually keeping the account (which I know most here don't) so I will be happy to take my DD money and bonus back

I'll keep an eye out for the letter to ensure it worked!

 

[SouthFayetteFan]

Just back from vacation to Lake Powell, and checked mine as well. I am about 120 pages behind, but happy to see my P2 [REDACTED] points will also post next statement.View attachment 420244

Try to stick with the word "support" We want to embrace that word as much as possible

 

[elgerber]

Wow I’m an outlier for both categories. I’ve never been one before!!!! I’m waging there are a lot less females in rchurning too. Where id say over her I bet the most represented group is 40 something females


Me neither! So frustrating. I just took the upgrade in his biz green (to biz plat) to see what happens. They will get plenty on spend and the MRs plus travel credit will outweigh the super high annual fee. Figured it was worth a shot!!

I am an outlier too I guess, over 40 and female?

DH never even gets upgrade offers on his cards on Amex :-(

 

[SouthFayetteFan]

What's a dischurners link?

PM invite sent

Also...your comment totally made me think of this:

 

[palhockeymomof2]

Do we need ADRs for this place? Considering trying since we’re staying there but we don’t like being too tied down to ADRs. Any discount here other than AAA?

We have made reservations the same day....it never seems too busy and they don’t rush you like some Disney restaurants do...I used tables in wonderland here

 

[SouthFayetteFan]

Wow I’m an outlier for both categories. I’ve never been one before!!!! I’m waging there are a lot less females in rchurning too. Where id say over her I bet the most represented group is 40 something females

Our group here is definitely not the norm among churners. I think the majority of our group here is outliers. Are we the island of misfit churners? Maybe...but we are WAY BETTER than any other churning group I participate in

 

[Lain]

I've heard of this hotel thread... some jerk that runs it hasn't updated the index in ages...

Oh it's good to hear I'm not the only one slacking, because I've got a ton of pics from our stays at the Royal Hawaiian, the Sheraton Waikiki, the Sheraton Universal next to Universal Studios Hollywood, and the Hyatt Carmel Highlands just in the past year that I've got to spin into reviews and stories.

sorry guys...I promise I'll get around to it eventually! I do love looking at that thread though and thinking about the places I could go!

You mean with your million+ Bonbon points?

 

[MrPTato]

Sitting here at the DMV...wishing Swagbucks would work correctly on my phone.

 

[PolyRob]

Ok, just submitted my application for a BoA Advantage Plus account. Put $100 via debit card and declined a new debit card and overdraft protection. It did give me the option to create an online account so I did that and now my application is under review! Hopefully it doesn't take too long like others here have reported.