{"id":1189,"date":"2021-03-19T05:00:00","date_gmt":"2021-03-19T11:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=1189"},"modified":"2023-04-18T14:39:44","modified_gmt":"2023-04-18T20:39:44","slug":"weekend-bit-of-wisdom","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2021\/03\/19\/weekend-bit-of-wisdom\/","title":{"rendered":"Weekend Bit of Wisdom"},"content":{"rendered":"

In the last couple of years American Express has punished people that used their own referral link in various ways, like clawing back points, removing the ability to generate referral links<\/a> for bonuses, or in the worst cases with a shutdown<\/a>. They\u2019ve widened the net in the past few days too. (To be clear, this isn\u2019t for you referring your partner and vice-versa, it\u2019s for you applying for a new card using your own referral link.) This isn\u2019t just a problem with American Express either: AA has done it<\/a>, Chase has done it<\/a>, Stripe and Paypal will ban you for running your own credit card, etc.<\/p>\n

My bit of weekend wisdom: Never charge your own cards directly, never refer yourself directly, never send money to yourself directly; always use a P2 as a firewall (such as a spouse, sibling, parent, or similar). Most of the time you can get away with it for a few months or possibly even years, but the axe almost always comes down. <\/p>\n

Weekend hint<\/em>: There are ways to send money directly to yourself with online payment processors, and a prominent, very old processor will let you send money directly to your self with a credit card. Say it with me though: \u201cIf you\u2019re gonna do it, use a P2.\u201d<\/p>\n

Have a great weekend!<\/p>\n

\n
An old video game screen with pixelated white text on a black background and the words: \"Player 2 Start!\"
Twice the players is twice the fun, but also a way to avoid shutdowns.<\/figcaption><\/figure>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

In the last couple of years American Express has punished people that used their own referral link in various ways, like clawing back points, removing<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":1,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[12,56],"tags":[],"class_list":["post-1189","post","type-post","status-publish","format-standard","hentry","category-ms-hints","category-wisdom"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/1189","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=1189"}],"version-history":[{"count":6,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/1189\/revisions"}],"predecessor-version":[{"id":7332,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/1189\/revisions\/7332"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=1189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=1189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=1189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}