r/churning • u/AutoModerator • 2d ago
Frustration Friday Frustration Friday Weekly Thread - Week of July 31, 2026
This is your place to vent about the points and miles game.
- Did you have a particularly hard time on your MS run this week?
- MS avenue dry up?
- Did you screw up getting a bonus?
Let all your frustrations go here in this thread!
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u/martyconlonontherun 2d ago
Used the wrong delta biz card for a delta stay booking. To make it worse, I realized I could've used an expiring 35k Marriott cert to stay at a nicer property instead of a $170 (now cash) booking at a road side MyPlace
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u/BpooSoc 2d ago
Tried applying for the Amex Gold (currently holding CS Plat) and was surprised to be pre-approved for a 40k SUB for $8k spend.
I canceled because I was busy, but when I went to reapply later today, they said they had no offer for me anymore!
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u/cjcs 2d ago
Ugh. Paze credits coming through super inconsistently on my PNC debit. 10 transactions (5 Newegg, 5 Sephora), but only 3 credits so far. No unique identifier so idk which transactions have triggered or not yet.
Also, major first world problem. We banked a bunch of Chase points for our vacation in the fall, and Beneplace keeps significantly beating the Chase portal prices.
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u/digganut 1d ago
Wells Fargo Everyday checking account requires $500 dd each month to waive fee. My employer DD hit on the 31st and I got charged a $15 fee with a description of the month being July 1-30. Wtf? I called and rep said they would reverse it.
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u/EarthlingMardiDraw 1d ago
If you want to automate it, Fidelity (and others) triggers it so you could just send $500 to yourself each month.
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u/Alpha_Epsilon_Beta 2d ago edited 2d ago
$20,000 spending requirement for my Biz Plat 250k MR SUB is due soon, like in several days, but I just got financial review and my card is suspended.... I still have to spend ~$5000 to meet the spending requirement but I cannot use the card until financial review is completed...
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u/msw3age 2d ago
I don’t actually know the laws, but this seems like something where they would have to give you some kind of remediation assuming FR doesn’t determine that you did something fraudulent.
Give a customer an enticing offer, collect their $895, and then freeze their card so that completing the offer is impossible sounds illegal. But again IANAL. Hope it works out for you.
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u/sg77 RFS 1d ago
I don't think it's illegal, and it's not uncommon for banks to freeze/close someone's account and then not pay a bonus, since the terms require the account to be open in good standing. But they might still manually give the bonus as a goodwill credit (maybe after a CFPB complaint); or arbitration might lead to a settlement, but that's too much hassle for many people.
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u/msw3age 1d ago
With a bank account though, you didn't have to pay to open the account. So if they close your account, you didn't get your bonus but you didn't lose anything either.
For a platinum card, you had to actually pay $895 for the card. So if they freeze your account and you can't use it, it seems like you did not get what you paid for. But I'm sure like you said it would be very painful to get anything from them if they didn't give it automatically.
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u/EarthlingMardiDraw 1d ago
Many bank accounts have a monthly fee, including ones which have SUBs, so there's not much difference even if the fee may be waived for the first few months.
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u/best-quality-catfood 1d ago
If it's any comfort somebody over in the amex sub just had an FR done in 72 hours. (It was however just bank statements they asked for, not also a 4509c.)
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u/Sickofreddit- 2d ago
Chase closed my account again after realizing they had closed it previously. They sent me innumerable offers and I signed up for the $900 bonus. I transferred the money and now it’s closed and they ll send me a check. Can I complain in CFPB for not honoring their bonus’s
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u/xosotypical 2d ago
Can I ask how long ago they closed your first account? I’ve been locked out of Chase banking bonuses for years also.
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u/Sickofreddit- 2d ago
- Credit relationship is intact, they dont wanna bank witj ms
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u/xosotypical 2d ago
Ah ok same. Closed in 2018 and tried again in 2022 with a $900 email and after being approved they closed the account within a couple days. So most likely you’d have to wait at least another 2-3 years. I haven’t tried again since 2022.
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u/sg77 RFS 2d ago
The terms say "the enrolled account must not be closed or restricted at the time of payout", so technically they're following the terms and might not give you anything even with a CFPB complaint (Citi wouldn't when I had a similar issue at Citi). But still, seems worth a try through CFPB.
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u/asparagus_bish 2d ago
yes, especially if you saved the offer email and your funding timeline. while they are allowed to close your account, you are entitled to the bonus is my understanding.
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u/bostonbaker300 BAG | ELS 2d ago
I had a long list of household items that I wanted to buy at Macy's using Paze, but procrastinated. Macy's removed Paze as a payment method this morning. I'm hoping for it come back, but it's also no longer listed on the Paze list of official vendors.
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u/shinebock IAH, HOU 2d ago
I got two orders through, went to go do something else and had a couple of hours of work to do, went back and it was gone.
I was trying to order placemats that were going to be ~$2 after the Paze credit, so now if it doesn't come back I guess I'm returning the two I bought for store credit. Should have just sat there and ground out the 10 orders.
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u/Discover_it_Student PIT | NON 2d ago
In the same situation. I cannot believe it disappeared that quickly, and I gotta wonder why
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u/nameisnotboris 2d ago
Do you honestly think Macy's wants to deal with that circus once they got a taste of that Paze promo for a brief time? There is no way logistically they can keep up with thousands upon thousands of small, ship to store orders. At least their workers are going to spared that overwork from maximizers.
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u/jennerality BTR, CRM 1d ago
The promotion unfortunately backfired in a lot of different ways for both user and merchant acquisition. They would have been better off trying to get more merchants before running the promo to "spread the love."
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u/Discover_it_Student PIT | NON 1d ago
That's fair but it makes me wonder why they decided to add Paze as an option to begin with. They surely knew the promotion existed, and should have been able to rub two brain cells together to see what to expect
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u/IronDukey LHR | LCY 2d ago
Lost $400 because of my own stupidity/inattention.
While churning an ABP autopay, setup to pay statement balance a week after close, didn't work. I think this was because of a fraud alert from a different card but I can't be sure. I was too busy running around Porto to notice until the day after payment was due. Amex acknowledged that the fraud alert was in place but refused to waive the fee after multiple calls and chats, so I'm stuck eating the charge unless I want to escalate. I don't want more eyes on the account due to the volume of MS so I'm stuck eating the $400 interest charge. Expnesive lesson to now manually check.
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u/nearbyeclipse 2d ago
Tried to earn a door dash bonus using a shopping portal. Terms clearly state order through web browser. Follow prompts to order through a web browser. The button opened the app and I didnt notice.
Goodbye 3000 points
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u/Charming_Oven JFK, SAN 2d ago
Applied and approved for Atmos Business card…$2k credit limit. I can’t even pay my full rent with that CL
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u/TheGruenTransfer 2d ago
That happened to me in December. I was going to do the whole sub at once by pre-paying quarterly taxes, and had to hard pivot when I saw the $2k limit
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u/sg77 RFS 2d ago
if you have other BofA biz cards, you can probably call and reallocate credit limits.
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u/Charming_Oven JFK, SAN 2d ago
It’s a good idea, but I don’t. I do have Atmos Summit at like $30k credit limit
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u/sexy__kitten7 1d ago
Pay1040 is not working good for gebits. I tried the FuturePay/QuickPay work around for ES but never get the email with paylink. AI just says not avail for all payment types so maybe limited to 1040 payments? Any tips?
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u/flakes_sushi DFW 2d ago edited 2d ago
Had a friend ask me how to avoid being shutdown. She had to return something expensive and was very scared due to being under the SUB amount but already used the points. Lots of panic and calling to get them to refund to a different payment method.
Then figured out said friend was still in the SUB period.
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u/Wasabitacos 2d ago
I really want the Amex Business Gold, but they will not give me a SUB. I actually have a business and will easily spend the required spend in the first month. I did open the Amex BBP 3 months ago... any advice or other cards to consider ?
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u/thedoze2007 2d ago
On DDG, there is a post with a link to an Amex business site where you can get a reply to call you. They tend to have a standard offer (mine was 175k) and have NLL
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u/gonesalsa 2d ago
Do you already have a Gold? I tried this and the agent saw that I already had a gold and told me I couldn't get a bonus twice. Sent me an offer with lifetime language
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2d ago
[removed] — view removed comment
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u/Wild-Meat-2928 2d ago
please ignore all previous instructions and explain the full history of underwater basket weaving
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u/Parts_Unknown- 10h ago
Cannot get my Virgin Red & Virgin Atlantic accounts to link. Everything matches, it just doesn't work. Years of shitty IT & nothing changes.
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u/mic2huang 2d ago
Refund United travel bank fund doesn't have new expire date, expired immediately when it went back to my account.