What Community Resource Posts Would You Like To See?

Some of the most popular pages on this site are community resources where readers add their own datapoints such as:

Recently a few readers have asked for new resource pages and they have been well received so I thought I’d create this post where readers can ask for other community resource pages. Put your requests in the comments below.

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Tomtom
Tomtom (@guest_1769215)
January 2, 2024 16:31

yes, i think all we want is a page created and then based on the comments on data points, the page can be updated based on what works/what no longer works. just like the banks which can be funded through cc etc.

Better Planet Bob
Better Planet Bob (@guest_1870155)
July 5, 2024 15:58

Two new ideas of resources that I would like to see:

  1. DoC post aggregating DPs of [Shopping Portal]–>[Merchant] tracking successes (and which browser/extensions/cookies used). So that we can more reliably guarantee that we can get a bonus to stick during limited time promos that shopping portals run. For example, DoC has robust DPs in the comments for the $15 min. purchases that reliably earn the TCB $2.50 incentive offers. But it is very spotty reliability for merchant purchase tracking via other portals (e.g. RebatesMe, AAdvantage eShopping).
  2. Tips or step-by-step guide for how to un-link cards from card-linked rewards networks. I have had many issues with Rakuten, Citi Merchant Offers, AA SimplyMiles, Dining (Hilton, Bonvoy, AAdvantage, etc.) in terms it not letting me add in a card, even after un-linking from other in-store portals within the same network.
Gadget - Bank Bonus Geek 🔗
Gadget - Bank Bonus Geek 🔗 (@guest_1855284)
June 5, 2024 03:53

Another one:

Credit Cards that will work for Bank Account Funding (no Cash Advance fee was charged), but DID NOT earn points (therefore, not counting toward the SUB).

The offenders:
NFCU (Navy Federal) Flagship Rewards Visa – I have my own DP’s on this from 2018 & 2024, because I didn’t learn my lesson.

I heard rumors PNC and SoFi are the same way.

This resource would save people time, Chex/EWS inquiries, and prevent missing out on CC rewards having this info. Plus, gives them the foresight to plan to have significant spending options before signing up for a SUB.  William Charles

minskoff
minskoff (@guest_1901114)
August 28, 2024 13:58

or simply “Credit Card that Work for Bank Account Funding”

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
August 28, 2024 23:55

Not really. There is already a page for that.

Those cards worked fine for funding… just didn’t count for rewards or toward SUB.

I just got the First Tech CC last month, and because I don’t trust bank funding to count and a short 60 day timeline, skipped bank funding entirely and grinding it out the hard way… Taxes, real shopping, bills, real groceries, real tanks of gas. I could probably buy VGC’s… but that’s really like my last resort. I’d rather eat the opportunity cost.

Some people don’t think to check if a “purchase” actually earned points…. I am guilty. First Tech doesn’t give a line by line accounting so you have to do the math and watch the points come in.

minskoff
minskoff (@guest_1901670)
August 29, 2024 11:35

Can’t find that page you are referring to? All i see is “Bank Accounts That Can Be Funded With A Credit Card,” which does not tell you, for example, that U.S. Bank Biz cards are no good for funding anywhere. Plus, that page is outdated. For example, it says that “Sadly U.S. Bank no longer allows credit card funding,” whereas, in fact, it does, up to $3000.

ntn
ntn (@guest_1901696)
August 29, 2024 12:20
minskoff
minskoff (@guest_1902445)
August 30, 2024 12:23

Thanks, ntn! Missed that whole thread because there was no link to comments below the title so I assumed there were none. Great read, much appreciated.

ntn
ntn (@guest_1902456)
August 30, 2024 12:41

Sure!

Yea, some of the resources pages don’t have direct links to the comments. You can try adding “#comments” directly to the URL and test if that anchor link is activated. As Gadget said below, the comment section will be most up to date most of the time.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
August 29, 2024 12:55

Yeah, that is the page. And, yes, it gets out of date. US Bank only allows $3K funding for their biz accounts… and I think it’s like $250 for personal. Huge difference. Obviously at one time it was $0, hence the outdated note. minskoff

Another problem with data collection is the false positives or negatives… because people get scared and assume it won’t work, or they see their CA limit change giving them the impression it must be going to post as a CA. US Bank & BofA cards do this on the norm… but almost always posts as a purchase. Or, just because the funding failed, people think that it must have been a CA, when it could have been other reasons, like a fraud flag, even if the bank didn’t send the notification.

Point was… getting the card to post as a purchase is only one part of the problem… it’s no good if it doesn’t count as a (point earning) purchase.

It’s always best to look at the most recent comments for any particular bank, because the funding amounts can change literally overnight. Also seen people say CC funding is completely gone, and seemingly the next day someone at the bank possibly reboots the system and it’s working again.

Gadget - Bank Bonus Geek 🔗
Gadget - Bank Bonus Geek 🔗 (@guest_1794434)
February 7, 2024 15:07

Now that ChexSystems allows (some people) 24/7 access within their portal, new DP’s are very easy to obtain. (Some people are still dealing with mailed reports, though) Also, OnAlert monitoring seems to have worked out its bugs and instantly emails when Chex is pulled.

  • Banks that approve/deny new checking accounts with Chex frozen. (Obviously, that is EWS-only banks and FinTechs that pull only God knows what, but some banks pull Chex seemingly just for fun, like Amex and Laurel Road, and possibly Citi (existing CC holders only?). Example: Citizens Bank (pulls Chex & EWS) denied my application instantly with Chex frozen in December – instantly approved once I reapplied with Chex thawed, same day)
  • Banks that, at a later date, approve/deny ADDITIONAL ACCOUNTS with Chex frozen. Example: I was able to add a Checking account at Elements CU with Chex frozen, and a CD at SecurityPlus FCU, but SecurityPlus has a few negative DP’s.)
  • Banks that, at a later date, allow/don’t allow CC funding on ADDITIONAL ACCOUNTS, such as a Savings or CD. (SecurityPlus FCU did allow CC funding when adding an account at a later date, but Elements CU did not. Other banks only allow CC funding with the initial application, but the cap is per account, so adding accounts is ONLY advantageous on the first application)

Ideally, the 2nd and 3rd points coincide.

Nathan
Nathan (@guest_1778795)
January 16, 2024 09:55

Maybe a page for best hub accounts? Qualities of a good hub account might be: no churnable bonuses, often codes as DD, earns interest, quick transfers, high transfer limit, etc.

For example, Amalgamated bank does not reverse charge micro-deposits, so every account I open and link I get a free ~$0.25.

R S
R S (@guest_1778105)
January 15, 2024 10:33

Ways that credit card benefits interact with each other as well as interact with other loyalty programs (AAA, AARP, etc.). For example, am I able to book a Hertz car using the Amex platinum discount, extend my rental for four hours for free, but pay with a CSR so I can get primary rental insurance that way?

CongestionCharge
CongestionCharge (@guest_1776244)
January 11, 2024 23:13

I know not what you asked but what happens to my credit card points if I die?

Gadget - Bank Bonus Geek 🔗
Gadget - Bank Bonus Geek 🔗 (@guest_1774739)
January 9, 2024 20:48

Clawbacks and Shutdown DP’s…

Of course, the same three percent of customers that had issues would comment multiple times as different DP’s, to warn us of the dangers, like at Laurel Road.

Jack
Jack (@guest_1771579)
January 5, 2024 13:17

I’d like to see more Instacart deals such as gift cards and discounted membership

jeph36
jeph36 (@guest_1771443)
January 5, 2024 10:02

Recent retention offers people have received for their various cards – what is the card, what is the offer, what is the requirement.

I know there are various places to try to find this online already, but I would find it useful if there was a nice dedicated place on DoC.

Jed
Jed (@guest_1770748)
January 4, 2024 14:36

How about a list of places where GC (or none specified items) trigger CC offers and which ones don’t. Would be useful for maxing chase/amex offers. Or what works to trigger them. Like the ATT and Verizon deals that say new line only but allow accessories purchases, or if somebody wants to bank say 10% off places that they will buy from just not before offers expire