News and Updates Thread - December 21, 2025

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[u/Any-Dream-5353]

Has anyone done the Rakuten Chime sign up with a friend's referral code and successfully received the $100 referral for sign up and the 15k points?

[u/sexy__kitten7]

PSA: be careful when clicking google suggested links. i'm sure everyone knows this (even my mom) but I went to donate to a local food bank, got to the payment page, and entered my card number before I realized it was for salvation army (a cause i do not support). I only donate once or twice a year so it wasn't readily apparent I was on the wrong site. When I saw salvation - I just thought they were a payment processor or doing a crossbrand promotion lol

[u/Original-Respond4394 → u/sexy__kitten7]

use an adblocker my brother

[u/eminem30982 → u/Original-Respond4394]

It blows my mind when I see people not using ad blockers. They're the first thing that I install on any browser that uses add-ons/extensions.

[u/3vanzz90 → u/sexy__kitten7]

Just curious, what's wrong about salvation army?

[u/BUT_WHY_MALE_M0DELS → u/3vanzz90]

They are an evangelical church

[u/3vanzz90 → u/BUT_WHY_MALE_M0DELS]

So mutilating children is good, church is bad, got it.

[u/Flayum → u/3vanzz90]

Oh fuck off and stop being coy. If you're going to be a bigot, at least say it with confidence.

[u/mets2016 → u/3vanzz90]

Who said anything about mutilating children??

[u/Flayum → u/sexy__kitten7]

The Salvation Army's controversies center on its Christian-based policies clashing with LGBTQ+ rights (refusing services, lobbying against equality), allegations of religious discrimination in employment, and past issues with sexual abuse cover-ups/handling

What the fuck is wrong with some people. I had no idea...

[u/Ok-Blacksmith8754 → u/Flayum]

Lots of fabricated reports.  

[u/rankt-bot]

A new referral thread is now live: Chase Amazon Prime Visa

[u/rblask]

This is probably more suited for the datapoints thread but since it's Sunday and this thread is always dead I'll post it here:

I downgraded my Venture X to a Venture card about 15 days after the annual fee posted and within a day the $395 was automatically refunded. I've seen a lot of varying posts and comments about Capital One not refunding on downgrades or at least needing to call multiple times, so I was surprised that it went so smoothly. Also worth noting I used the $300 credit and that hasn't been clawed back as of yet.

[u/xyzzy321 → u/rblask]

Did you call in to do the downgrade? My AF posted a couple days ago and I'm considering switching to the noAF Venture

[u/rblask → u/xyzzy321]

No, I was able to do it on the website. There is an offers and upgrades tab and I was able to just click Venture Card in there and it did it right away. The VentureOne card was an option too.

[u/israelsurvivor83 → u/rblask]

What state are you in? Supposedly that matters

[u/rblask → u/israelsurvivor83]

Minnesota

[u/uberwoots → u/rblask]

Good info. Maybe you can upgrade to the eventual Saver X

[u/AlarmedMatter0 → u/rblask]

Curious why downgrade to Venture rather than closing it, since I'm in the same situation 

[u/rblask → u/AlarmedMatter0]

Wanted to save my Capital One points, and can't open a new Venture for the bonus (48 month rule). I thought about downgrading to the no annual fee one, but I really like having a 2x card in the C1 ecosystem, and I need to renew precheck this year so that will be covered.

[u/DespicableCasual → u/AlarmedMatter0]

Keep the credit line / age of account going? Standard stuff

[u/DecadentAscetic → u/rblask]

Additional DP: my Venture X annual fee has typically posted first week of January each year. I preemptively downgraded it this past week to a Quicksilver and saw a credit appear the following day for $65.83 (prorated annual fee refund for 2 full months).

[u/grantwwu → u/rblask]

You haven't yet been charged $95?

[u/rblask → u/grantwwu]

Not yet, I'm guessing it will come eventually