We got our bonuses from AAII posted today but with date of 11/20. Those who opened accounts on or before 10/31, they should post by today since the last day to put funds and qualify for bonus was 11/15. For those who got approved for three, you may see three $200’s.
$1200 earned on $20K juggled in less than 60 days.
Thank you Discover!
@alanmax I think so. I’ve seen the regular savings promo extended although the threshold to earn $200 was increased to $25K.
@alanmax you’re very welcome!
did you do the BBVA $200 bonus nationwide? last day to register is 11/20 so check details at doc’s site. CAVEAT on using CCs to fund the account unless you have a lot of time to spend dealing with complications.
Breaking News ~ Meijer is now rejecting giftcards as payments for MO seen at reddit posted by alias_max. They now run as credit.
For those who MS at Meijer, make sure to find new ways to MS and don’t get caught with stacks of plastic money with no way to drain them.
FYI, you can now pay a bill using the WM app and enter all your info, payment amount and required IDs. Click the Express Money and follow prompts. You have up to 24 hrs to pay at WM (you will be asked to choose a store but IME, I was able to pay at any WM) using the Money Express lane where there is usually no line. You can pay with meta VGCs up to 4 swipes, no paper receipt prints, it’ll be saved in your app account. Go try it and see!
I made 2 billpays on the 16th and I checked my accounts today to find both of them posted dated 11/21! This is a game changer for me since I input all personal info and avoid cashier error on their end. Hopefully, they’ll allow payment with debit online as well…I know that’s wishful thinking…LOL
BTW, since I’ve always had good experience with WM, I paid $1999 and $1998.99. I was willing to gamble based on my relationship with the cash department when debit payments went wrong and they gave me cash refund.
@lowpricewanted rewards earned in the form of CB, miles, hotel points are considered as rebates and therefore, they are non taxable according to our accountant who does our taxes. Whereas with bank sign up bonuses, the banks make it clear that the customer will pay tax on the bonus(es) they earn.
I don’t think MS rewards have any effect on those who receive gov’t benefits. But then for those who are on welfare, I’m not sure how they can get approved for a lot of CCs and given a substantial credit limit that’ll be enough for them to MS w/o having to cycle their CLs to avoid getting flagged by credit card companies.
Woot! today is my lucky day ya’ll…I did 3 spins on BW spin game and won 10,000 pts three times in a row. Today is the last day to spin, I’m sending ya’ll my good luck and may one of you win the million points!
I recommend Alliant CU for those who do bank churning and use it as main hub for direct deposits. IME, it has also been very user friendly since I have their 3% Visa signature card which I use mainly for manufactured spending. They also gave me a huge credit line to work with. I’ll give 5 stars for this CU.
Early 30’s isn’t too late to make something out of your life. I suggest you make a resume and file applications in your area. However, if you have a history of PTSD, I’d say to stay away from retail. I said this based on someone we know who had untreated PTSD who went ballistic on a grocery store customer who kept “pushing his buttons”. Needless to say he got fired for that and that added to his depression.
There’s a guy in our neighborhood who cuts wood and resells them. We have wood dumped on our property by a tree cutting company, this guy gives me an offer for them which I accept, he cuts them up and sell by the ricks; he says he makes good money out of it since there’s a huge demand now for firewood since propane price has gone up. He knows it’s seasonal but to him, it’s worth the effort.
In other words, if you can’t find a job, look around you for a need and fill it. Good luck!
btw, if you’re good in tinkering with computers, spread word around that you’ll fix issues like removal of virus, retrieving of pictures from ‘dead pc’ or other similar issues. DH loves doing these type of things which costs a lot of money if you have the techies at BestBuy do it but since he does it for friends, he doesn’t even charge for it. He has “brought back to life” laptops that his co-workers were getting rid of. For him, it’s a challenge to fix and repair what others have given up on and he’s really good at it.
@craig10x IME, Citi wants to do a HP when I ask for potential CLI so I decline. I went around it by PCing AA plat and Dividend to Citi so I now have 4 DC cards which are all active. I use them for GC purchase online for the past 3 yrs w/o problems.
btw, I have the PPEMC and I like that the rewards are posted as soon as statement cuts ready for redemption. Synchrony has also come up with featured rewards monthly and when WM GCs are a penny a pt, i.e.,5000 pts = $50 WM gc, I redeem those instead of 6000 pts for $50 cash. Most often I redeem for both cash and WM gc if they’re part of featured GCs for the month.
The deal is back ~ get $15 off instantly wyb $300 or more Visa GCs. Best to use CCs that give 5% rewards like Chase INK+ and/
or Chase INK. Caution on using Amex Simply Business Cash especially to meet minimum spend requirement because OD/OM submits L3 data and this shows as giftcard purchase which the rats will see and will possibly deny the sign up bonus for these. So far, Chase has given 5% on these GCs during the last promo.
the MS forum at FT is now taken over by newbies, many of whom prefer to be spoonfed or they PM to ask someone to teach them the ropes. While PMs has become the norm for vets, (not necessarily HHs) I’m not too keen on those who just ask for dole-outs while promising they won’t share it with others. 
Why would someone enjoying a loophole/unicorn share it with a stranger who they have to draw arrows and circles for them to fully understand?
@eyj I discussed this not too long ago with a DS manager who also does light MS and asked her if they submitted L3 data and she said NO due to certain HIPPA provisions. I’ll take her word on that (at least for now unless there are new developments). Hopefully we can continue to MS via two major DS chains.
Download the WM app and start adding your receipts under Savings catcher tab. If something you bought the last 7 days are cheaper elsewhere in your area, you’ll get the price difference added to your account. Try it and see.
@fivetalents I’ll try that and see if item is sold by amazon. Thanks!
@fivetalents I tried it as you mentioned and it worked! TYVM
another method that works is type inside the search box sold by amazon and it’ll show you items you may be interested in.
talking about portals, beware of Simply Best Coupons. I registered there a year ago and got the $5 sign up bonus pending which I thought I can’t cash out because minimum amount is usually $25 or more. Fast Forward this year, I bought GCs from Gi ft cards. com and I got approved cashback of $25 so I thought I can now cash out my sign up bonus…WRONG! I was told that since I bought from GC. com, it does not give a sign up bonus… I told them it wasn’t stated that the sign up bonus was coming from the first merchant I purchase from and they said G C. com does not give sign up bonus. Ugh Compared to GoCashBack, I got the sign up bonus soon as my cashback on G C. com were made available. I have good experience with TopCashBack and use it more often for my GC purchases.
@mikk1 good idea!
it’s best for us to be pro-active now before there are issues. knowing what to do next lessens the anxieties. I have been reading a lot of suggestions online and decided to put them together as note to self.
I am a CC and bank sign-up bonus churner so I’m not inclined to freeze n thaw all the time, I am losing a lot of opportunities by doing so. I feel violated by this recent massive breach but remind myself that anger will get me nowhere. I must stay compose all the time so I can think clearly while keeping in mind to make all my communications with companies short, firm and straight to the point. This frame of mind has worked for me a lot of times without having to burn bridges and losing opportunities.
Mods, this didn’t turn out right, can you please format it correctly? TIA
I shared another tried n tested MS venue posted under Grocery/DS deals. Go check it if interested but hurry since exp date is 9/30 but hopefully, it gets extended. It worked for up to $2000 fee-free.
how much do ya’ll think it’ll cost to change citizens’ SSNs? If lots of people encounter problems and citizens band together and demand for this, will the gov’t acquiesce and let Equifax pay for it? just thinking out loud if changing SSNs will solve a lot of potential issues.
@fivetalents you’re right, hackers will be always one step ahead BUT if these agencies to whom we entrust our SSNs are given more just a wrist slap to cause them loss of their business, maybe…just maybe they’d be more careful. PLUS there should be criminal charges lodged against top honchos of these companies or else they just retire with a “measly” few hundred millions in their pocket while all of us are left to suffer the consequences of their actions.
last 2 days to drain your VGCs for free (unless there is an extension). you need another player for this gig and should be someone you trust completely!
Last day tomorrow but I hope they’ll extend the promo. Nothing beats fee free draining of GCs.
Caveat: Be careful whom you send the funds because they ask for ID when picking up the money. For the sender, you enter all your info in the app, they don’t ask for your ID. If by chance, the recipient decides to keep the $, nothing you can do except plead with them because they can always say it was a gift so they’ll keep it. Send only to someone who won’t stiff you.
Yes, I was able to change what I wanted to. Thanks for asking.
by the way, are emails visible to everyone?
@mastroadam debit visa from GCM is what I have lots of that I’ve drained. the ones from GCcom will also work but GCs from those 2 online sites have your names in them which is very useful for those WMs who require that your name be on the card they can match with your DL.
@fivetalents done.
note that I also specified it is the fee free RIA transfer that’s dead.
hopefully, we’ll see MG offers with fee free this last Q, that’ll be AWESOME!
It is best to keep this thread in case there’s new offers for Express Pay and hopefully there will be.
For now, I’m still getting my credits for each sync offer I save to each AU card, the last batch is for $10 on each $200 AGC purchased with AU cards. The verbiage of limit 1 credit per axp account has been there for a long time that I can remember so this isn’t something new.
@bob, have you looked into PayPal debit mastercard? If you’re NOT doing manufactured spending and will swipe them as credit instead of debit, you’ll earn 1% on the transaction. PayPal is NOT a financial institution and quite fragile so make sure you read the T&C before you sign up.
thanks for sharing mikk1, I see lots sold at WM and not paid attention to it until your post.
up to $100 cashback per YEAR on all purchases!!! I’m sure there are MSers who earn more than that CB in one transaction. well, at least that’s better than the Walmart Visa prepaid that offers up to a whooping $75 CB per year!
I signed up 4 AUs for the offer on SPG where for each AU who spends $1K in 90 days, I will receive 2500 starpoints for total of 10,000 starpoints. I added 4 only one is a new one that isn’t AU to my other cards. I tried to create an online acct for the new AU and a message came up to call a rep. When I got a rep, she asked for DOB and SSN of the AU before she activated the card; thereafter, I was able to create an online acct for my new AU. Gone are the days when people used fictitious persons/pets as their AU but now the cards will not be activated unless there is DOB and SSN; without this info, the card becomes invalid and cannot be used for sync offers.
I’ve completed all spend on four Freedoms buying VGCs at WM supercenters. Drained them to WUMOs at the grocery store. The CBs are now posted as pending for statement cut.
this is not sold online but check your WM supercenters for this item.
com/ip/Element-39-Class-1080p-Lcd-Hdtv-W-jbl-S/23740363
this will make good desktop monitors if you’re looking for one that’s cheap. I haven’t looked into reviews though.
@dangeruss yes and so far I’m satisfied with their service.
If one creates a thread and there’s no replies to it, I don’t think it’ll be difficult to ask the mods to just delete it, for whatever reasons. However, if there is at least one reply to it, post should remain. IMO, of course.
@marcopolomle yes it is Doc’s site ~ doctorofcreditdotcom
here’s a tip for those who are just starting to navigate the site:
~ for banks advertised having sign up bonuses and limited to certain states, make sure to check discussions because it has turned out that some banks do not enforce the state limitations. An example is the MandTbank which turned out a huge moneymaker to many until they closed the loophole. Bonuses posted a day or two after ACH push from an external bank posted to account. IINM, the loophole took more than half a year before it got plugged just recently. It is now considered dead but for those who live in the targeted states, make sure to check it and try your luck.
@frugalfreak one of the DTs near me had a cashier who made a similar comment so I asked for the store manager if she could review their policies regarding coupon acceptance. She then told cashier they have started accepting coupons for a while now. From then on, I had no problems using coupons up to $1 in that store or any DT.
@my4mainecoons IIRC, there was an article that said Visa GCs are now sold at Amzn but you’ll not like the fees though. I think highest is $100 but it’s a sure way to turn AmznGCs back to cash, if necessary.
@ritholtz I cannot give you guarantees, just my personal experience where I pulled almost all the funds soon as the full $20K posted to keep account open. The $200 bonus posted on Oct 5. DH opened his first savings a week later than I did and he hasn’t received his bonus, he might get his on the next batch.
@mistercheap IDK whose decision it was to remove the $500 variables but I’ve been to OD/OM in different states and none of them carry the 500 variables so it must’ve been a corporate-wide implementation.
On the positive side, most of them now carry the $200 variables we call the anywhere/everywhere cards (Grocery/Dining/Style) issued by Metabank with fee of $4.95 instead of the regular $6.95 on regular Visa/MC up to $200 variables. The 5Backs had $6.95 fee but they were profitable in the past because they can be used at Lowes to get $10 CB but then most merchants that sold GCs have gone out of the 5B program 
AFAIK, NONE of the OSS carry the $500 GCs now; Staples carry $300 VGCs online, but in-store, only up to $200 for both Visa and MC. Staples do NOT carry the everywhere VGCs I mentioned above, it’s just OD/OM.
@ritholtz DH received his $200 bonus on savings yesterday, 10/20. Today, I checked my AAA savings and $200 has also posted! Suffice it to say that we just juggled the same $20K to open these accounts. So far, we’ve received $600 in bonuses and one $200 for DH which may post later. This is the highest ROI we’ve received so far w/o our money getting tied up. We’re using the same funds applying for more bank bonuses.
you must’ve been out of the game for a while now; it’s been a year since the variable GCs up to $500 have been removed by OD/OM. Sadly, even the instant discount on GCs have been lowered to $15, limit one per transaction which used to be $20/$300, limit 2 so we bought three $200s, and received $40 discount. Good to reminisce the good times…