You can use this master database of Data Point for credit cards. We are trying to create a common running list of DP’s for easy reference.
We will try to keep this database updated every month. We will add data points shared on our site as well as DP’s we will collect over the internet.
Please suggest if you prefer to see this grouped by Bank or Card type. Currently, this table is sorted by the latest DP’s on the top.
| Bank | Card | Date | DP Details | Status |
| Chase | Ink Cash (CIC) | Sep 25, 2026 | PC’d CIC to CIU. Triggered new 3-month free Instacart+ promo using Dan’s Deals link after deleting old card. | Success |
| BoA | Atmos Biz | Sep 24, 2026 | 1/12 Rule Bypass: Approved for Atmos Biz (85k) despite being 4/12 and 5/24 on personal. Had personal checking relationship. | Success |
| Amex | Biz Platinum | Sep 24, 2026 | A $.01 statement balance left on the card was automatically written off by Amex as “WRITEOFF PURCHASE BAL”. | Success |
| Citi | Strata Premier | Sep 24, 2026 | TYP linking delay: Takes ~2 days after approval before account shows in TYP portal for improved transfer rates. | Success |
| Citi | Premier | Sep 21, 2026 | Received bonus in 2021. Applied Sep 2026 via prequalify tool after LL added. Approved, bonus attached. | Success |
| Amex | Bonvoy Biz | Sep 21, 2026 | Amex Offer: Spend $15 get $6 back (3x). A single $91 transaction triggered two $6 credits instantly. | Success |
| Barclays | Hawaiian Biz | Sep 20, 2026 | Double Dip Timing: Approved for a 2nd Hawaiian Biz card just 2 months after closing the 1st card (which was only open for 12 months). | Success |
| Amex | Biz Platinum | Sep 17, 2026 | Cancelled card on last day for AF refund. Hilton credit triggered by purchase 2 days prior still successfully posted. | Success |
| Capital One | Venture X | Sep 15, 2026 | Churning: Successfully churned VX while holding base Venture. Cancelled original VX in Feb, reapplied in Sept for new SUB. | Success |
| Citi | Strata Premier | Sep 15, 2026 | App-o-rama: Approved for Strata Premier despite being 6/24 and 3/12 on Experian inquiries. | Success |
| Amex | All Personal | Sep 15, 2026 | Limit Rule: Closed 6th CC, applied for new one. Rep stated absolute limit is now strictly 5 CCs for everyone. System blocked 6th. | No |
| Chase | United Biz | Sep 14, 2026 | Applied at 4/24. Auto-approved. Chase automatically reallocated $5k CL from an existing CIC to open the new card without recon. | Success |
| BoA | Atmos Biz | Sep 12, 2026 | Approved for $2.5k CL. 1/12 on personal. Closed Biz UCR recently. | Success |
| Chase | Ink Preferred (CIP) | Sep 10, 2026 | Denied via “Green Star” pre-approval in dashboard due to having held it before (family language). Pre-approvals do not bypass rules. | No |
| Capital One | Venture Biz | Sep 10, 2026 | Underwriting: Approved for 100k SUB as a C-Corp EIN despite multiple personal Venture pre-approval denials. 4/12, 8/24. | Success |
| Citi | Aviator (Legacy) | Sep 10, 2026 | Retention: Offered 3k miles for $500 spend OR $50 SC for $1k spend. | Success |
| Wells Fargo | Signify Biz | Sep 10, 2026 | Underwriting: Approved at 9/24, 5/12. Froze TU & EX to force EQ pull. | Success |
| BoA | Atmos Summit | Sep 10, 2026 | PayPal international payment counts as a foreign purchase, earns 3x points. | Success |
| Barclays | JetBlue Premier | Sep 10, 2026 | Pre-Approval: Instant approval for JetBlue Premier with $5k CL after pre-approval, despite being 11/24. | Success |
| Chase | Sapphire Reserve | Sep 09, 2026 | Upgraded CSP to CSR. The $300 travel credit now explicitly renews on the product change anniversary date (e.g., 10/9/2027), rather than account anniversary. | No |
| BoA | Atmos Biz | Sep 08, 2026 | Denied at 7/12 personal. Even having $8k in deposits was not enough to bypass high velocity. | No |
| US Bank | Triple Cash Biz | Sep 06, 2026 | Software Credit: $100 software credit successfully triggers for MaxMyPoints and Seats.aero subscriptions. | Success |
| US Bank | Triple Cash Biz | Sep 04, 2026 | Velocity Limit: Denied for 3rd active TC biz. Approved for 2nd active TC biz with tiny $3k limit. | Success |
| Chase | Ink Cash (CIC) | Sep 03, 2026 | Frozen Credit Trick – Left EX frozen. App went pending. Called to unfreeze, forcing manual review before automated system could auto-deny. Approved. | Success |
| Chase | Chase Freedom | Sep 03, 2026 | Used original Freedom (Visa) to reload mobile Suica. Points posted at 5x for transit, but the 3% Foreign Transaction Fee still hit a week later. | No |
| Citi | AA Plat Select | Sep 01, 2026 | Product Change: Rep confirmed the AF can be refunded if the card is converted/PC’d within exactly 37 days of the fee posting. | Success |
| BoA | Travel Rewards | Sep 01, 2026 | Fast Reporting: Reported as a new account on Experian <1 week after approval, before the physical card even shipped. | No |
| BoA | Atmos Biz | Aug 25, 2026 | Double Dip (Spaced): Approved for 2nd Atmos Biz 3 weeks after the first, using the same hard pull (kept credit frozen). | Success |
| Barclays | Wyndham Biz | Aug 25, 2026 | App-o-Rama: Approved for Wyndham Biz while at 7/24. | Success |
| Citi | AA Biz | Aug 20, 2026 | Retention: Offered $99 statement credit for $100 spend, or 7.5k miles for $1k spend to keep card open. | Success |
| BoA | Atmos Ascent | Aug 15, 2026 | Extreme Churning: Opened two Ascent personal cards exactly 8 days apart. Auto-approved. | Success |
| Barclays | Hawaiian Personal | Aug 15, 2026 | Retention: Waived the $99 Annual Fee completely via chat. | Success |
| Chase | United Biz | Aug 14, 2026 | Underwriter manually corrected false 5/24 denial, but denied on biz revenue, stating 1-yr old Ink was “too recent” to reallocate credit. | No |
| Amex | Delta Biz Gold | Aug 14, 2026 | NLL Loophole: Approved for 2nd Delta Biz Gold within 136 days of the first using SkyMiles for Business NLL link. Held both simultaneously. | Success |
| Capital One | Spark Cash Plus | Aug 13, 2026 | Underwriting: Denied. Explicit reason: “Unable to approve this combination of business size and legal entity type” (Single-Member LLC). | No |
| Wells Fargo | Signify Biz | Aug 13, 2026 | Double Dip: 2nd card approved (different EIN or SSN). Central billing caused issues linking online. | Success |
| US Bank | Triple Dip | Aug 13, 2026 | App-o-rama: Applied for Triple Cash Biz, Leverage Biz, and Altitude Connect Biz spaced 30 mins apart. Approved 3 days later with $3k limits. 3 HPs combined into 1. | Success |
| Chase | United Biz | Aug 13, 2026 | Applied at 4/24 (but with 3 Chase Biz cards open). Explicitly denied for “3 Chase business cards opened in the past 24 months.” | No |
| Amex | Hilton Aspire | Aug 09, 2026 | Upgrade FNC Timeline: Upgraded from Surpass on June 9. The FNC took exactly 61 days to post. | Success |
| Chase | Ink Preferred (CIP) | Aug 06, 2026 | Applied at 4/24. 5/24 Miscount – Rep claimed “pay over time” installment loans (Scratchpay) with HPs count towards 5/24 limit. | No |
| Chase | Sapphire Pref. (CSP) | Aug 05, 2026 | AF Refund: AF hit 6/1. Downgraded to Freedom on 8/5 (Day 65). Received full AF refund. | Success |
| US Bank | Triple Cash Biz | Aug 05, 2026 | Approved for Triple Cash with $14k CL while already holding the identical card approved 1 year prior. | Success |
| Citi | AA Biz | Aug 05, 2026 | Double Dip: Approved for 2nd AA Biz 100 days after first, before hitting the SUB on the first card. Both trackers active. | Success |
| Chase | Instacart+ | Aug 01, 2026 | Re-adding removed cards to IC+ to force another free trial no longer works to trigger the $20 monthly credits. | No |
| US Bank | Biz Altitude Power | Jul 20, 2026 | Speed: Applied Tuesday, approved hours later, card arrived Thursday via UPS Express. | Success |
| Chase | Sapphire Reserve | Jul 20, 2026 | DoorDash Loophole: Linked 4 separate DoorDash accounts to one CSR. Received $5 dining and $10 non-dining credits on all of them. | Success |
| Amex | All Personal | Jul 20, 2026 | Limit Rule Override: Automated system capped at 5 CCs. Rep pushed application to back-office manual review and approved 6th card. | Success |
| Capital One | Venture X | Jul 20, 2026 | Retention: Offered $200 travel credit for $2k spend in 90 days. Stacks with the standard $300 travel credit. | Success |
| BoA | Atmos Biz | Jul 20, 2026 | Deposit Power: Auto-approved for P1 and P2 after holding $15k in business checking accounts for 2.5 months. | Success |
| Chase | Ink Preferred (CIP) | Jul 16, 2026 | Applied at 4/24. Denied initially. Recon manually recounted to 4/24 and pushed through approval. | Success |
| Amex | Hilton Aspire | Jul 16, 2026 | Retention Denial: Denied retention offer after AF hit. Had card for 3 years, ~$3k spend over last 12 months. | No |
| Amex | Hilton Surpass | Jul 15, 2026 | FNC Timeline: $15K spend FNC appeared in Hilton account exactly one day after the qualifying charge posted. | Success |
| Citi | Strata Premier | Jul 15, 2026 | Retention Eliminated: Called 3x. No retention offers available. PC to Custom Cash is the only option. | No |
| Synchrony | PayPal Cashback | Jul 10, 2026 | Shutdown: Account closed by Synchrony for MS (maxing out $25k limit monthly). | No |
| Chase | Marriott Bold | Jul 10, 2026 | Reversed closure of account 5 days after closing it. Reinstated without a hard pull (coded as “closed in error”). | Success |
| Chase | IHG Biz | Jul 09, 2026 | Auto-approved for elevated 200k SUB at 5/24. Second Chase biz card approved while over 5/24. | Success |
| US Bank | Biz Checking | Jul 05, 2026 | CC Funding: Funded $3k via Spark Cash Plus. Posted as a purchase, avoiding Cash Advance fees. | Success |
| Amex | Biz Platinum | Jul 05, 2026 | Tax Payment (Melio): Funded $5k to NY529 via Melio. Counted towards SUB. The 2x MR points over $5k cuts the 3% fee to ~0.8%. | Success |
| US Bank | Biz Leverage | Jun 25, 2026 | Rewards Cashout: Errors transferring points to checking require calling rewards desk to manually link accounts. | Success |
| BoA | Atmos Biz | Jun 20, 2026 | Recon Bypass: Auto-denied. Called fraud department (888-231-6262) instead of standard recon. Transferred to biz team, approved without questions. | Success |
| Citi | AT&T Wireless Offer | Jun 20, 2026 | Statement Credit: “Earn $50 back on $65+” AT&T wireless offer was successfully triggered by paying an AT&T Fiber internet bill. | Success |
| Amex | Delta Biz Gold | Jun 20, 2026 | Rideshare Credit: The $10/mo rideshare credit triggered successfully for an Uber trip paid via PayPal checkout. | Success |
| Chase | Sapphire Reserve | Jun 20, 2026 | Travel Credit: $300 credit not clawed back after booking a refundable Orbitz hotel on 6/20 and cancelling on 6/24. | Success |
| Amex | Biz Platinum | Jun 16, 2026 | Tax Payment (ACI): Paid $9k tax payment directly on ACI for 1.85% fee. Successfully processed and posted. | Success |
| Chase | Ink Unlimited (CIU) | Jun 15, 2026 | Auto-approved for new 100k offer with legit EIN. Kept one sole prop CIU open. Went pending for fraud verification, approved on call. | Success |
| Synchrony | Virgin Atlantic | Jun 15, 2026 | Underwriting: Denied for previously having card, despite closing it 9 months prior. Cannot be churned quickly. | No |
| US Bank | Triple Cash Biz | Jun 10, 2026 | Double Dip: Applied for two Triple Cash cards back-to-back. 2nd flagged as duplicate. Recon forced manual review. | No |
| Amex | Biz Platinum | Jun 10, 2026 | Hilton Credit: In-hotel Starbucks credit no longer working (specifically blocked at Hilton Avatar & others). | No |
| BoA | Atmos Biz | Jun 08, 2026 | Double Dip (Same Day): Applied for 85k and 80k offers 5 mins apart. Sole Prop instantly denied. C Corp went pending, approved days later. | Success |
| Chase | Ink Cash (CIC) | Jun 08, 2026 | 5/24 Bypass: Denied for Ink at 4/24 using SSN as sole prop. Re-applied using newly formed LLC with an EIN and instantly approved. | Success |
| Capital One | Quicksilver | Jun 05, 2026 | SUB Timing: $200 cash bonus posted immediatelyupon hitting $500 spend, not waiting for statement close. | Success |
| Chase | Paze Promo | Jun 04, 2026 | Paze 10x promo stacked with base multipliers. E.g., United flights on CSR earned 14x UR. | Success |
| Chase | Sapphire Reserve | Jun 02, 2026 | 5/24 Exact Date: Approved for CSR on June 2nd when the 5th card was opened June 4th two years prior (4/24 on 1st of the 24th month). | Success |
| Amex | Delta Biz Gold | May 25, 2026 | Annual Fee Error: AF hitting on first year despite $0 AF language. Required CFPB complaint or persistent Chat to refund. | Warning |
| Barclays | Wyndham Plus | May 25, 2026 | Retention: Waived the $75 AF with no spend requirements for the second consecutive year. | Success |
| BoA | Biz Customized | May 25, 2026 | Retention: Received $50 statement credit to keep a $0 AF Biz Customized Cash card open for another year. | Success |
| Chase | Aeroplan | May 20, 2026 | PYB Cap: Maxed out the 200k annual Pay Yourself Back limit at 1.25 cpp on travel. Credit posted a day later. | Success |
| Amex | Personal Plat (MS) | May 15, 2026 | PUJ Bypass: PUJ for vanilla Plat. Opened ETrade account, transferred assets, waited 1 month. Applied via ETrade link. Instant approval. | Success |
| BoA | Atmos Summit | May 15, 2026 | High Velocity: Approved despite 6/12 personal. Had opened checking account with $4K deposit 3 months prior. | Success |
| Chase | Aeroplan | May 15, 2026 | PYB Clawback: Cancelled a SW ticket used for a PYB move; points were not clawed back. | Success |
| Amex | Biz Platinum | May 10, 2026 | Spending Power Tool: Used Spending Power tool to push a $13k tax payment through after a $20k charge was declined. Approved. | Success |
| BoA | Atmos Biz | May 10, 2026 | 1/12 Hard Rule: Denied specifically for 1/12 rule. Rep confirmed BoA counts personal accounts opened in last 12 months. | No |
| Capital One | VentureOne | May 10, 2026 | AF Proration: Downgraded from Venture Rewards to VentureOne in month 11. Received prorated $15.84 AF refund. | Success |
| Chase | United Club Biz | May 07, 2026 | Auto-approved. 5th open Chase biz card. $80k annual spend on existing cards. | Success |
| US Bank | Biz Altitude Connect | May 05, 2026 | App-o-rama: Applied for Triple Cash and Biz Altitude Connect 10 mins apart. TC instant approval, Connect approved 1 hr later. | Success |
| Chase | Ink Unlimited (CIU) | May 05, 2026 | Approved instantly using a new LLC/EIN combo despite being 6/24 and currently holding 2 CICs. | Success |
| Amex | Biz Platinum | May 05, 2026 | NLL Bypass: Approved for 300k/$20k via incognito Chrome search despite recent PUJ. | Success |
| Chase | Chase Checking | May 01, 2026 | Denied for Biz Checking online (LLC). Re-applied through Personal profile online and was approved. | Success |
| Chase | Ink Preferred (CIP) | Apr 30, 2026 | Approved via recon at 4/24. Had to reallocate credit from another biz card. | Success |
| Chase | Sapphire Reserve | Apr 28, 2026 | Approved at 4/24. Recon approved after reallocating credit from Freedom cards. | Success |
| Amex | Personal Gold | Apr 28, 2026 | Retention: Offered 25k MR for $2.5k spend. A few days later, offered 30k MR for $1.5k spend. Accepted the latter. | Success |
| Capital One | Venture X | Apr 25, 2026 | Venture Family Rules: Applied for VX <6 months after getting Savor. Approved for $30k CL. | Success |
| US Bank | Biz Leverage | Apr 20, 2026 | Retention: Offered 25,000 points with no minimum spend to offset the $95 AF. | Success |
| Chase | IHG Personal | Apr 20, 2026 | Retention: Offered $50 statement credit after year 3 AF posted and statement closed. | Success |
| Amex | Personal Green | Apr 20, 2026 | Sub Eligibility: Held Gold in 2019, cancelled after 7 years. Applied for Green. No PUJ. Approved and SUB tracker showed. | Success |
| BoA | Atmos Biz | Apr 15, 2026 | Application Hold: BofA keeps applications alive for 60 days. 2nd app denied as duplicate, recon pushed it through. | Success |
| Amex | Personal Gold | Apr 15, 2026 | Retention terms: Amex reps confirm retention offers no longer include the 12-month keep-open requirement to avoid clawbacks. | Success |
| Chase | Southwest Priority | Apr 15, 2026 | Retention: Offered $229 credit with no spend requirement to offset the $149 AF. | Success |
| Chase | Sapphire Pref. (CSP) | Apr 10, 2026 | Denied for PUJ (lifetime language) despite last opening the card in January 2020. | No |
| Amex | Biz Platinum | Apr 05, 2026 | Software Credit: ChatGPT $200/mo subscription does not trigger the Biz Plat/Gold software credit. | No |
| Chase | United Biz | Apr 05, 2026 | Auto-approved at 11/24 (Chase Private Client). Banker claimed CPC bypasses 5/24. | Success |
| Chase | Sapphire Reserve | Apr 01, 2026 | 48-Month Rule: Received CSP bonus in 2020. Applied for CSR in 2026. Approved with bonus tracking. | Success |
| Chase | Ritz-Carlton | Mar 15, 2026 | Early Upgrade: PC’d Boundless to Ritz 43 days priorto 3rd anniversary and successfully received the 85k FNC instead of the 35k. | Success |