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	Comments for Doctor Of Credit	</title>
	<atom:link href="https://www.doctorofcredit.com/comments/feed/" rel="self" type="application/rss+xml" />
	<link>https://www.doctorofcredit.com</link>
	<description>Bank Account &#38; Credit Card Bonuses</description>
	<lastBuildDate>Wed, 19 Aug 2026 14:42:56 +0000</lastBuildDate>
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		<title>
		Comment on (Update) Paze Spend $10, Get $10 Back Offer &#8211; What&#8217;s Left (Non Giftcard Options, More Added) by Jan		</title>
		<link>https://www.doctorofcredit.com/paze-spend-10-get-10-back-offer-whats-left-non-giftcard-options/#comment-2392795</link>

		<dc:creator><![CDATA[Jan]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:42:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=260292?d=20260818#comment-2392795</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/paze-spend-10-get-10-back-offer-whats-left-non-giftcard-options/#comment-2392757&quot;&gt;Jimmy&lt;/a&gt;.

Not a bad idea, but it&#039;s private]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/paze-spend-10-get-10-back-offer-whats-left-non-giftcard-options/#comment-2392757">Jimmy</a>.</p>
<p>Not a bad idea, but it&#8217;s private</p>
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		Comment on OnePay: $1 Cashback Per Gallon Of Gas Every Wednesday (50 Gallons, Two Redemptions Per Day) by Josh		</title>
		<link>https://www.doctorofcredit.com/onepay-1-cashback-per-gallon-of-gas-every-wednesday-50-gallons-two-redemptions-per-day/#comment-2392794</link>

		<dc:creator><![CDATA[Josh]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:38:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=258948?d=20260819#comment-2392794</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/onepay-1-cashback-per-gallon-of-gas-every-wednesday-50-gallons-two-redemptions-per-day/#comment-2392755&quot;&gt;Brian C&lt;/a&gt;.

it says that, but you can actually add the code as a returning user]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/onepay-1-cashback-per-gallon-of-gas-every-wednesday-50-gallons-two-redemptions-per-day/#comment-2392755">Brian C</a>.</p>
<p>it says that, but you can actually add the code as a returning user</p>
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		Comment on Plynk Brokerage 25%-50% Bonus On Earned Dividends ($250/$500 Annual Max) by nudder		</title>
		<link>https://www.doctorofcredit.com/plynk-brokerage-25-bonus-on-earned-dividends-250-annual-max/#comment-2392791</link>

		<dc:creator><![CDATA[nudder]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:33:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=259303?d=20260802#comment-2392791</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/plynk-brokerage-25-bonus-on-earned-dividends-250-annual-max/#comment-2392340&quot;&gt;Dr Whoa&lt;/a&gt;.

Why anyone argues you can earn money quicker with a lower dividend yield is beyond me; but you guys knock yourself out.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/plynk-brokerage-25-bonus-on-earned-dividends-250-annual-max/#comment-2392340">Dr Whoa</a>.</p>
<p>Why anyone argues you can earn money quicker with a lower dividend yield is beyond me; but you guys knock yourself out.</p>
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		<title>
		Comment on (Update) Paze Spend $10, Get $10 Back Offer &#8211; What&#8217;s Left (Non Giftcard Options, More Added) by Linda		</title>
		<link>https://www.doctorofcredit.com/paze-spend-10-get-10-back-offer-whats-left-non-giftcard-options/#comment-2392790</link>

		<dc:creator><![CDATA[Linda]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:32:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=260292?d=20260818#comment-2392790</guid>

					<description><![CDATA[i also just did 3 dunkin in a row]]></description>
			<content:encoded><![CDATA[<p>i also just did 3 dunkin in a row</p>
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		Comment on [NY, OH, IN, PA] Northwest Bank $400 Checking Bonus by mark		</title>
		<link>https://www.doctorofcredit.com/pa-northwest-bank-160-checking-bonus/#comment-2392789</link>

		<dc:creator><![CDATA[mark]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:29:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=204443?d=20260718#comment-2392789</guid>

					<description><![CDATA[&lt;span&gt;Thank you for your interest, but we are unable to approve you for the following account: Affinity Checking. Please be on the lookout for an email from us with more information about why we were unable to approve your account.&lt;/span&gt;]]></description>
			<content:encoded><![CDATA[<p><span>Thank you for your interest, but we are unable to approve you for the following account: Affinity Checking. Please be on the lookout for an email from us with more information about why we were unable to approve your account.</span></p>
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		<title>
		Comment on [AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI] BMO Bank $400 Checking Bonus by Celia 🔗		</title>
		<link>https://www.doctorofcredit.com/il-wi-mn-in-az-fl-ks-mo-bmo-harris-350-checking-300-savings-bonus/#comment-2392788</link>

		<dc:creator><![CDATA[Celia 🔗]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:28:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=151228?d=20250910#comment-2392788</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/il-wi-mn-in-az-fl-ks-mo-bmo-harris-350-checking-300-savings-bonus/#comment-2392762&quot;&gt;CJ&lt;/a&gt;.

Should always review the fine print at the offer page on the bank&#039;s side. The pages here don&#039;t always have the updated fine print. 

Offer is limited to one per client and account (including trustees and signers on joint accounts). Offer is not available for existing BMO personal checking clients (including trustees and signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Cash bonus may be reported to the IRS for tax purposes, and you are responsible for any applicable taxes. Offer can be changed or canceled without notice at any time and cannot be combined with any other offer&lt;strong&gt;. If your balance is zero, we may close your account. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid.&lt;/strong&gt;]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/il-wi-mn-in-az-fl-ks-mo-bmo-harris-350-checking-300-savings-bonus/#comment-2392762">CJ</a>.</p>
<p>Should always review the fine print at the offer page on the bank&#8217;s side. The pages here don&#8217;t always have the updated fine print. </p>
<p>Offer is limited to one per client and account (including trustees and signers on joint accounts). Offer is not available for existing BMO personal checking clients (including trustees and signers on joint accounts) or those who have closed a BMO personal checking account within the past 12 months. Cash bonus may be reported to the IRS for tax purposes, and you are responsible for any applicable taxes. Offer can be changed or canceled without notice at any time and cannot be combined with any other offer<strong>. If your balance is zero, we may close your account. Your account must be open, in good standing and must have a balance greater than zero when the cash bonus is paid.</strong></p>
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		<title>
		Comment on Best Brokerage Bonuses &#8211; Earn Up To $5,000 by Frank		</title>
		<link>https://www.doctorofcredit.com/best-brokerage-bonuses-earn-up-to-3500/#comment-2392784</link>

		<dc:creator><![CDATA[Frank]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:17:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=113833?d=20260629#comment-2392784</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/best-brokerage-bonuses-earn-up-to-3500/#comment-2392622&quot;&gt;Calwatch&lt;/a&gt;.

Need Kalshi &#038; Polymarket to get into the brokerage game so we can get real offers back on the table]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/best-brokerage-bonuses-earn-up-to-3500/#comment-2392622">Calwatch</a>.</p>
<p>Need Kalshi &amp; Polymarket to get into the brokerage game so we can get real offers back on the table</p>
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		<title>
		Comment on E*Trade $400 Savings Bonus (Requires $20k Deposit) + 4% Intro Rate by David Pilcher		</title>
		<link>https://www.doctorofcredit.com/etrade-400-savings-bonus-requires-20k-deposit-4-intro-rate/#comment-2392782</link>

		<dc:creator><![CDATA[David Pilcher]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:15:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=259417?d=20260605#comment-2392782</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/etrade-400-savings-bonus-requires-20k-deposit-4-intro-rate/#comment-2384577&quot;&gt;Alberto&lt;/a&gt;.

I&#039;ll also admit I know nothing about how AMEX does business.  My comment was based on my previous experience with my wife getting denied a simple Discover IT! card while she had $40k sitting in a Discover Savings account.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/etrade-400-savings-bonus-requires-20k-deposit-4-intro-rate/#comment-2384577">Alberto</a>.</p>
<p>I&#8217;ll also admit I know nothing about how AMEX does business.  My comment was based on my previous experience with my wife getting denied a simple Discover IT! card while she had $40k sitting in a Discover Savings account.</p>
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		<title>
		Comment on (Update) Paze Spend $10, Get $10 Back Offer &#8211; What&#8217;s Left (Non Giftcard Options, More Added) by tuphat		</title>
		<link>https://www.doctorofcredit.com/paze-spend-10-get-10-back-offer-whats-left-non-giftcard-options/#comment-2392781</link>

		<dc:creator><![CDATA[tuphat]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:15:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=260292?d=20260818#comment-2392781</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/paze-spend-10-get-10-back-offer-whats-left-non-giftcard-options/#comment-2392768&quot;&gt;Rusty Nail&lt;/a&gt;.

tips on freezing, thawing and warming, please]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/paze-spend-10-get-10-back-offer-whats-left-non-giftcard-options/#comment-2392768">Rusty Nail</a>.</p>
<p>tips on freezing, thawing and warming, please</p>
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		Comment on Chipotle IQ Test: Buy One, Get One Free (8/18 – 8/20), Answers Inside by dhiin		</title>
		<link>https://www.doctorofcredit.com/chipotle-iq-test-buy-one-get-one-free-8-18-8-20-answers-inside/#comment-2392780</link>

		<dc:creator><![CDATA[dhiin]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:12:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=264079?d=20260818#comment-2392780</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/chipotle-iq-test-buy-one-get-one-free-8-18-8-20-answers-inside/#comment-2392742&quot;&gt;Burgers?&lt;/a&gt;.

same]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/chipotle-iq-test-buy-one-get-one-free-8-18-8-20-answers-inside/#comment-2392742">Burgers?</a>.</p>
<p>same</p>
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		<title>
		Comment on Topcashback: CyberGhost VPN 120% Cashback (Money Maker) by Yeee		</title>
		<link>https://www.doctorofcredit.com/topcashback-cyberghost-vpn-110-25-cashback-money-maker/#comment-2392779</link>

		<dc:creator><![CDATA[Yeee]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:11:45 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=197156?d=20260818#comment-2392779</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/topcashback-cyberghost-vpn-110-25-cashback-money-maker/#comment-2366504&quot;&gt;Mary&lt;/a&gt;.

It works fine. A VPN is a VPN. There&#039;s not much difference outside of the client and supported locations]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/topcashback-cyberghost-vpn-110-25-cashback-money-maker/#comment-2366504">Mary</a>.</p>
<p>It works fine. A VPN is a VPN. There&#8217;s not much difference outside of the client and supported locations</p>
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		<title>
		Comment on E*Trade $400 Savings Bonus (Requires $20k Deposit) + 4% Intro Rate by David Pilcher		</title>
		<link>https://www.doctorofcredit.com/etrade-400-savings-bonus-requires-20k-deposit-4-intro-rate/#comment-2392778</link>

		<dc:creator><![CDATA[David Pilcher]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:11:40 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=259417?d=20260605#comment-2392778</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/etrade-400-savings-bonus-requires-20k-deposit-4-intro-rate/#comment-2384577&quot;&gt;Alberto&lt;/a&gt;.

Very likely that&#039;s true.  That&#039;s why I asked, right?]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/etrade-400-savings-bonus-requires-20k-deposit-4-intro-rate/#comment-2384577">Alberto</a>.</p>
<p>Very likely that&#8217;s true.  That&#8217;s why I asked, right?</p>
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		<title>
		Comment on [Expired] American Express Marriott Bonvoy Brilliant Card: 150,000 Point Bonus + $250 Credit (NLL) by bicyclep		</title>
		<link>https://www.doctorofcredit.com/american-express-marriott-bonvoy-brilliant-card-150000-point-bonus-250-credit-nll/#comment-2392777</link>

		<dc:creator><![CDATA[bicyclep]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:11:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=263532?d=20260806#comment-2392777</guid>

					<description><![CDATA[Does this NLL override the matrix eligibility? source: https://frequentmiler.com/marriott-card-eligible/]]></description>
			<content:encoded><![CDATA[<p>Does this NLL override the matrix eligibility? source: <a href="https://frequentmiler.com/marriott-card-eligible/" rel="nofollow ugc">https://frequentmiler.com/marriott-card-eligible/</a></p>
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		Comment on M&#038;T Bank $400-600 Checking &#038; Savings Bonus – Available Online [CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, VA, VT, WV] by Gadget 🕵️‍♂️ Bank Bonus Geek 🔗		</title>
		<link>https://www.doctorofcredit.com/mt-bank-150-checking-bonus-tn-available-online-ct-dc-de-md-nj-ny-pa-va-wv/#comment-2392776</link>

		<dc:creator><![CDATA[Gadget 🕵️‍♂️ Bank Bonus Geek 🔗]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:09:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=86344?d=20260712#comment-2392776</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/mt-bank-150-checking-bonus-tn-available-online-ct-dc-de-md-nj-ny-pa-va-wv/#comment-2392761&quot;&gt;Y&lt;/a&gt;.

Fidelity uses EWS and it&#039;s not instant.

If your credit union doesn&#039;t get their pennies/verification deposits back they might have something to say about it.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/mt-bank-150-checking-bonus-tn-available-online-ct-dc-de-md-nj-ny-pa-va-wv/#comment-2392761">Y</a>.</p>
<p>Fidelity uses EWS and it&#8217;s not instant.</p>
<p>If your credit union doesn&#8217;t get their pennies/verification deposits back they might have something to say about it.</p>
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		Comment on [AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, WI] BMO Bank $400 Checking Bonus by Gadget 🕵️‍♂️ Bank Bonus Geek 🔗		</title>
		<link>https://www.doctorofcredit.com/il-wi-mn-in-az-fl-ks-mo-bmo-harris-350-checking-300-savings-bonus/#comment-2392775</link>

		<dc:creator><![CDATA[Gadget 🕵️‍♂️ Bank Bonus Geek 🔗]]></dc:creator>
		<pubDate>Wed, 19 Aug 2026 14:07:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=151228?d=20250910#comment-2392775</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://www.doctorofcredit.com/il-wi-mn-in-az-fl-ks-mo-bmo-harris-350-checking-300-savings-bonus/#comment-2392762&quot;&gt;CJ&lt;/a&gt;.

Yeah, you should never zero balance an account when waiting on a bonus.  Another one for the #FAQ...

Some banks, like Truist, have it in the terms and they don&#039;t even have to close the account.  A zero balance is enough to disqualify you for the bonus, closed or not closed.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://www.doctorofcredit.com/il-wi-mn-in-az-fl-ks-mo-bmo-harris-350-checking-300-savings-bonus/#comment-2392762">CJ</a>.</p>
<p>Yeah, you should never zero balance an account when waiting on a bonus.  Another one for the #FAQ&#8230;</p>
<p>Some banks, like Truist, have it in the terms and they don&#8217;t even have to close the account.  A zero balance is enough to disqualify you for the bonus, closed or not closed.</p>
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