🚨 Hyatt is sending out emails again to join a Status Challenge with AA and receive Platinum Pro Status for 4 Months with the option to continue obtaining status if you hit certain miles metrics. I believe this is more directed towards Hyatt Status members, so if you have Explorist or Globalist Status currently, i’d check your email and offers tabs in app, although anyone could be targeted so i’d check either way. This usually means AA status members are also being offered the same to reach Hyatt status so you can check your offers if you already have AA status. I am currently in this status challenge which i joined late last year and is how i've had AA Platinum Status all year long. If you have not received an email, The way you get or receive these emails is from having your Hyatt Account also attached to your American Airlines account and vice versa. They have a partnership with one another, and also why i mention you should have an account number with all hotel brands and airlines so you can tap in when they send out status challenges and fast track ways to achieve award nights 🔑 If you want to earn miles within the 4 Months to keep extending status or obtain higher status with American here are the ways you can earn miles 1. Flying on Cash Flights with AA 2. Cash Stays with Hyatt - accounts attached 3. Using AA eshopping portal (easiest way, large mile bonuses for signing up to certain things or purchasing items on certain websites) 4. Using an AA cobranded credit card and earning miles thru spend 5. Participate in Buyers groups and use an AA card (would be a very good complementary activity if you already do it) I personally have gotten Platinum just by using the eshopping portal and opting in to different meal plan services, and other large mile redemptions they have on their site. It's also very similar to Rakuten, so if you have some higher expenses with stores with the upcoming holidays late in Q4, use the shopping portal to see if the stores you shop at have way's to get miles.

BANK OF AMERICA: - 2/3/4 rule: - Maximum of 2 new BOA cards in a 2-month period - Maximum of 3 new BOA cards in a 12-month period - Maximum of 4 new BOA cards in a 24-month period - Double dip opportunity: You can get up to 3 cards in the same day with only one hard pull. - 7/12 rule and 3/12 rule: - If you have a BOA bank account, you may be denied if you have 7 or more new credit cards in the past 12 months. - If you don't have a BOA account, you may be denied if you show 3 or more new cards in the past 12 months. - 24-month rule: If you cancel BOA cards, you'll need to wait 24 months before applying again. - No hard limit on the number of credit cards, but other bank rules apply. - BOA reportedly pulls from EX for personal and soft pulls TU for CLI on personal cards. - Product changes are allowed and do not affect your credit. - BOA likes a banking relationship and having funds in accounts may increase approval odds. - BOA has a "preferred member" status that adds extra credit card rewards for having money in a checking account. - BOA will expedite cards for valid reasons and may waive the annual fee after 180 days. - Moving credit limits around is allowed and requires a soft pull. - BOA business credit cards do not report to personal credit. WELLS FARGO: - Major rule: One welcome offer from any Wells Fargo card per 16 months. - No limit on the number of Wells Fargo cards, but sign-up offers may be affected by the 16-month rule. - Wells Fargo has a prequalify tool that can be used before applying for the BILT card. - Mixed reports on soft pull/hard pull for CLI on cards, best to confirm with a representative. - Wells Fargo hard pulls for moving limits around on cards. - Product changes result in closing the existing card and opening a new one, no hard pull but no account history/age is retained. - Wells Fargo prefers a banking relationship but may not be necessary for the BILT card. - Double dip opportunity confirmed but rare without a banking relationship. - Wells Fargo business credit cards do not report to personal credit.

Native Currency: TY Points (Thank You Points) - Citibank is a good alternative if you have had issues with Chase or Amex. - They partner with American Airlines for their AAdvantage cards. - AAdvantage cards earn AA miles, not ThankYou Points. - American Airlines points are highly valuable. - Citibank is relationship-based, so it's best to apply in-branch with a banker you have built rapport with. - Some people are datamined into Citibank without knowing it by using Citi Costco Card or Citi Best Buy card. PULLS FROM: - Citibank usually pulls from Experian. - On the business side, they hard pull EQ for approvals but CLI's go through Experian. RULES: - 1/8 rule: You can only apply for one Citi personal card every 8 days. - 2/65 rule: You can apply for no more than two Citi personal cards every 65 days. - 1/95 rule: You can apply for ONE Citi business card every 95 days. - 6/6 rule: You'll be declined if there are 6 or more hard inquiries on your credit report in the past 6 months. CLI's: - Citibank offers soft pulls for credit limit increases (CLI's). Directly from the portal. - Good spend behavior can allow for a CLI every 91 days. - It's recommended to wait 6 months between CLI requests. BONUSES: - Citibank has cooldown periods for card bonuses. - Different cooldown periods apply to different groups of cards. - Group 1 (Premier, Preferred, Prestige, Rewards+): 24-month cooldown period. - Group 2 (AAdvantage + Custom Cash Cards): 48-month cooldown period. - Group 3 (Citi Double Cash Card): No specific cooldown period. - Closing an account from a card family resets the cooldown clock for that family. - Account closure does not reset the cooldown clock for individual AA cards. BEST PERSONAL CARD: - The AAdvantage Executive World Elite Mastercard is highly recommended. - It offers Admirals Club membership with lounge access for you and your immediate family or up to two guests. - The annual fee is $595. - It has 10 authorized user card slots, each with a $175 fee.

I’m excited to announce the launch of the Wells Fargo Signify Business Cash credit card, designed specifically for business owners like you. Here are the key details: - $500 Sign-Up Bonus: Earn a generous $500 cash rewards bonus when you spend $5,000 within the first three months of opening your account. - 2% Cash Back: Enjoy a competitive 2% cash back on all purchases made with your card, making it a rewarding choice for your business expenses. - No Annual Fee: This credit card comes with the added benefit of no annual fee, allowing you to maximize your cash rewards without any extra costs. - 0% APR Introductory Offer: Take advantage of a special 0% APR (Annual Percentage Rate) for the first 12 months from the date of account opening on your purchases. - Select Branch Availability: Currently, Wells Fargo is accepting applications for the Signify Business Cash credit card in select branches. Please check with your nearest branch for availability. In addition to these features, the Signify Business Cash credit card also offers Mastercard® World Elite Benefits, providing you with additional perks and privileges. It's worth mentioning that there are other variations of the card that earn points instead of cash back, such as the Business Card and the Business Elite Card. These cards offer bonus points for meeting certain spending thresholds each month. Please note that the application process may require a hard pull from Experian, a credit reporting agency. For more personalized information and to explore the specific benefits and rewards that best suit your business needs, we recommend reaching out to a Wells Fargo representative or visiting your nearest branch. I hope the summary gives you a clearer understanding of the Wells Fargo Signify Business Cash credit card and its attractive features.