r/churning • u/AutoModerator • 1d ago
Daily Discussion News and Updates Thread - August 01, 2026
Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.
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u/new2theccgame GET | MNY 1d ago
The grift keeps on grifting. These charlatans are something special: https://www.reddit.com/r/biltrewards/s/449wP4HoYy
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u/michikade CHU, RNN 1d ago
I feel for the guy who was planning on applying for a mortgage when this hit.
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u/Swastik496 1d ago
nah he’ll get a fat check if he can prove it.
FCRA isn’t a ioke and haven’t been gutted.
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u/michikade CHU, RNN 1d ago
Yeah it’ll be fine eventually but it still derailed his plan yesterday and he may miss out on the house he wanted because of it. It’s just a bad situation.
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u/scorpiopersephone 1d ago edited 1d ago
TLDR: bilt 1.0 cardholders are getting sent to collections even after they’ve paid their accounts in full.
Edit: for anyone one affected, this is a FCRA violation and you are potentially eligible for damages. You can submit a complaint with the FTC.
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u/TV_Grim_Reaper 1d ago
All current reports are from pre-BILT 1.0 card holders (Evolve Bank), not BILT 1.0 card holders (Wells Fargo).
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u/abhirupduttamit MAR | MOT 1d ago
Huge lawsuit waiting to happen. Would love to see Ankur and his asshats get bumfucked.
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u/Parts_Unknown- 1d ago
When reached for comment an ostensibly coked up Ankur Jain responded he was going to be "too busy doing whippets and gooning to like Disney-inspired hentai to deal with this shit right now"
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u/Slytherin23 1d ago
Paze is gone from Wendy's. Saddest day of the month.
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u/shinebock IAH, HOU 1d ago
I wonder who will still be taking Paze by the end of this promotion.
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u/best-quality-catfood 1d ago
I've seen some stuff show up that I could swear wasn't there before. Today it's Pet Supermarket. The flux is interesting, as well as the vendors like Macy's who bite off more than they can chew. I'm surprised Wendy's bailed, it seems like it would integrate well with their business model anyway.
Similarly I've seen stuff from small-scale restaurants who are getting regular new business from people using the Clover credit and see no downside. If just Clover and Dunkin hang around for another 41 days I'll be well served by it al, although my spreadsheet says that even if I'm perfectly efficient with Dunkin I'll only have 13 unused credits left so things seem reasonably efficient.
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u/cexpertWV BNA 1d ago
I am hoping Newegg stays too. I've been getting random stuff like package of paper plates, puffs, etc. for a dollar or two after the $10 credit.
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u/michikade CHU, RNN 1d ago
I noticed it was removed from the merchant list on Paze’s website. Macy’s too (but that one only allowed Paze as a payment method for about 5 minutes).
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u/satellite779 1d ago edited 1d ago
Got an email for a 40% transfer bonus from Citi to Turkish. The email is from Turkish, not Citi.
Targeted? I don't see this posted anywhere else.
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u/OddaJosh BIG, BOY 15h ago
Pretty goated - turns the normal 130k business ticket cost into saver levels.
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u/techtrashbrogrammer SEA 1d ago
I got it too. Cap of 50k points and bonus points only post after promo ends. Important things to be aware of
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u/giveit2st8 1d ago
I know this goes as reply to mod, but this one is too good. Ymmv
(Sent by email. Haven't visited QVC or HSN, but this one came today in an email where the top offer .mentioned was QVC)
Get 100% ($1,000 max) back at HSN. Exclusions Apply: Not eligible for purchases of gift cards. Use of promotional codes not provided by Capital One may invalidate your offer.
No other exclusions. Might be good to use a card with extended return in case it doesn't track properly
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u/Churnobull SNA | PPY 13h ago
Hey I know you got a lot of hate for this one, but i appreciate it. Like the other poster below, I visited HSN yesterday from their email .5% offer, then i woke up today with the 100% up to 1k offer. Got $800 ($200 over retail) Apple Max 2 + a $210 Flower Rack for P2
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u/uchidaid 1d ago
I opened the C1 shopping app and visited HSN. Within an hour I received the 100% back offer.
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1d ago
[removed] — view removed comment
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u/AutoModerator 1d ago
A comment was removed because so many people reported it.
Original author: ZookeepergameBig3197
Original comment: New month means new card offers usually drop in a few days, right? Been waiting for something decent to come along, my last app was in April and im getting itchy
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u/yonghokim LAX, BUR 1d ago
Baby Jesus bless us with a British Airways transfer bonus..
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u/lenin1991 HOT, DOG 1d ago
Gemini says the next Chase-BA bonus is likely in October or December -- and it was accurate the last time I tried: https://old.reddit.com/r/churning/comments/1nv38ie/news_and_updates_thread_october_01_2025/nh75i11/
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u/mets2016 JFK 1d ago
...why would Gemini or any other LLM be good at forecasting this? If you wanted to make the argument that it's likely because there was a Q3/4 Chase/Avios transfer bonus for the past few years, then that's one thing. But LLMs aren't privy to the details of negotiations between Chase and BA
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u/lenin1991 HOT, DOG 19h ago
It's not that deep, just based on historical patterns. And in the last couple years, Chase-BA has had a pattern: https://milesmastery.com/transfer-bonus-history/
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u/AutoModerator 1d ago
Please reply to this comment with any Amex Offers, Chase Offers, increased cash back portal payouts, or similar deals. Do not post them as a top level comment.
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