[Wilhelm]

I believe they simply won’t approve you but I’m not sure if they’ll hard pull anyway.

Best to send secure message and ask date of last bonus.

[Wilhelm]

I like both.

If my travel goals involve AA miles, I’ll use the AA shopping portal.

If I need AMEX points, I’ll use Rakuten.

[Wilhelm]

Go through a business banker to bypass.

[Wilhelm]

Spouses should refer one another back and forth to benefit from referral bonuses.

Rules for pooling points vary by program but a very general rule is expect to keep accounts separate.

Everyone should have their own frequent flyer account.