Why Templates? gives you a set of valid reasons on why to use such templates or basic workflow diagrams on a day-to-day basis. To summarize, if you run out of big bonus spend cards (or soon enough you will), the world of category rewards aint so bad. You could make some decent money, though not as much as the 100k or 75k cards. But still, I think it makes sense to pursue this during lull times. The reason to use templates is to simplify your process and think less about which cards and where to spend. I just print them out and put it in my room or car. If you wanna go real agile (software programmers know what I am talking about), you could print it out and paste it in your study room or bed room. Trust me, it just frees up the mental resources down the line. These money loading business could quickly go out of hand with you not knowing where you loaded and how to verify it, which store to go and which card to put the spend on. The best way is to just write it down, the good old-fashioned way. Eventually, it will evolve to just a bunch of templates that you could be tweaking as these rewards structure, the way the prepaid cards are loaded and the credit card programs inevitably change.
In the last post, we saw how to load Amex Bluebird/Serve from American Express Credit Cards. In this post, I am slightly tweaking the template to use other cards such as Chase or Barclay's as well as other American Express cards to load the Serve account offline. The limit is $5000 per month and daily limit is $2000. Though, to not really raise any flags, I tend to keep it in the $500 - $1000 range per day. The modus operandi is pretty similar. Chase Freedom for instance used to give 5% on drugs purchases. Chase Ink+ or Bold gives 2% (not much) or simply have very high sign up bonus spending requirements. Hence, I use these cards using the picture below and just execute them rapidly. For instance, the $5000 minimum spending requirement is entirely attainable within a few days though you have a 90 day limit to get over to that level of spending :).
In the coming days, I plan to put on more templates as well as possibly apps if there is significant interest which would make life easier to accumulate reward points.
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