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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Sick Week, Family Visit, And Tire Rescue
- Kai describes getting sick while family visited and a tire puncture rescue during an airport pickup.
- A roadside tire-repair kit fixed the puncture and saved a 40-mile drive home.
Mainstream Coverage Can Be Beneficial
- Major outlets wrote about churning, raising public awareness without revealing play-by-play tactics.
- Kai thinks high-level coverage legitimizes the hobby while avoiding killing niche opportunities.
Citi 4506-C Drama And Resolution
- Kai recounts Citi's 4506-C tax-transcript requests that locked accounts and triggered a Wall Street Journal story.
- Citi subsequently waived the $595 fee and granted bonuses to affected applicants.