Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!
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Intro music can be found here!
- Kung Fewer & Kleed SO kleed tier! Welcome Terry as a Spotify Podcast Supporter!
- Fredrick Monzo payout $20
- Points.me
- BILT Changes
- Alleged 6/24 Chase approval
- Onyx shutting down (ht dudekids)
- 5% Q2 Categories
- Chase 5% category history credit u/HappyP2
- Hilton Acquires Graduate Hotels
- My CC mentality surmised perfectly
- Miles E&B Interesting Uber Amex Gold/Plat credit play
- Oxygen correction to closure timeline
- M1 ends M1 Plus membership program and introduces $3/m fee for accounts under $10k (ht Warrdanch)
- Quadruple Stack HBO Max Discounts
- Amex Spend $11 get $11 on Paramount+
- Redstone double pay
- [NJ Only] Columbia Bank $400 SUB
- My DPs
- No churning: “If you have ever received a new account opening bonus of any type in connection with opening a checking or savings account, you are not eligible for either of the cash bonuses even if you open a new Checking Account.”
- Sears Shop Your Way Madness
- Terry in The Daily Churn’s pod discord corrected last episode – Barclay is 4m not 3m so even worse
- SoFi Rakutan/Swagbucks + SUB for $500 total ($5k DD req)
- [Expired/Lightning Deal] TCB $2.50 for $15 spend
- TBoM Saga Continues
- I received $153.94 for refunded AF (99% sure they already refunded this but the app is down so no way to prove it)
- 04/24/2023 Card Opened (check email for subject “Finish setting up your account to receive your Ness Card” to find yours. I had mine written down but this email came two days after)
- $349 AF paid
- 11/15/2023 Card Closed but correspondence from TBoM states 11/14/2023 was date of closure
- 204 days elapsed (excluding 11/14/2023)
- Card terminated 161 days early or 44.11% of the full year
- 44.11% of $349 = $153.9435
- Formula:
- Dused (days used) = 11/14/2023 – Dopened (date card was opened) [use this site with the “Include end date in calculation (1 day is added” ) option turned off]
- Drefund (days you paid for but did not get access to the card) = 365 – Dused
- $refund (amount to be refunded) = Drefund / 365 * $349 (annual fee)
- Two members who signed up under the Ness One $99 AF report receiving refund of ~$200
- I received $153.94 for refunded AF (99% sure they already refunded this but the app is down so no way to prove it)
- [Select States] Keybank $200 SUB w/ 1 $500 DD in 60d
- [Lightning Deal/Ends Today] Uber GC 10% off
- Newegg
- Purchased with BofA CC Online Shopping for ~14% off total
- Targeted additional Newegg offers
- BestBuy
- Fluz
- Newegg
- My Chex Report (get yours here)
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