Templates
Pay once, save for years.
Refund letters, cancellation scripts, negotiation playbooks, and spreadsheets we use ourselves.
Digital templates launch soon. Meanwhile, the free guides are here.
VerifiedEvery offer checked against the bank's own terms page
DatedEvery row shows the date its terms were last checked
IndependentPlacement is never sold to a bank or network
DisclosedRanking uses value to you only, never what we earn
Refund letters, cancellation scripts, negotiation playbooks, and spreadsheets we use ourselves.
Real data points from real people: which bonuses actually paid, how long the cash took, what tripped an account review, and which offers just died. Free to join, no karma requirements, and every post helps the next person get paid faster.