The Daily Churn 🫨 Ep 86 - Churning News, Easy C1S Money Makers, Chase Points Boost, SW Companion Pass, My HELOC Update, FICO 8 vs Vantage 3.0/4.0 Deepdive
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Oct 24, 2025 Dive into the latest churning news and credit card updates with intriguing insights on Citi's fee waivers and the Southwest Companion Pass. Discover the impacts of Chase's points boost system on redemptions, along with tips on consolidating Ultimate Rewards. Get the scoop on HELOCs and how they can enhance your churning liquidity. Kai also breaks down credit score models like FICO 8 versus Vantage scores, revealing essential info for smart lending decisions. Plus, learn about savvy discounts through Capital One Shopping and more exciting deals!
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Workaround For Pending Sapphire Reserve
- P3 managed to get approved for a Sapphire Reserve after downgrading a Preferred and reapplying.
- Pending reviews resolved after verifying recent Colorado residency and identity.
Automate 2FA Forwarding With Shortcuts
- Use iPhone Shortcuts to forward authentication codes to partners to avoid login delays.
- Set an automation that forwards texts containing 'code' to the other person's phone.
Stack Sapphire Reserve Credits To Justify Fee
- Consider Sapphire Reserve benefits (Apple, dining, StubHub credits) when judging the $795 fee.
- Stack credits with Capital One Shopping deals to offset the annual fee.