RJ Financial
RJ Financial
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Bank Promotions Even I Skip - Not Again!
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Chapters
0:00 Hey
0:21 Degenerate
1:32 Loans
3:59 Brokerages
6:12 Alternative Investments
9:11 Gaming
10:03 Travel
10:55 Free Stocks
12:46 Final Thought
15:08 Bye
Advertiser Disclosure: Some of the products that appear on this website are from companies from which RJ Financial will earn an affiliate commission or referral bonus. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Editorial Note:
Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
zhlédnutí: 1 565

Video

Chase Threatens Fee Hikes + BILT Beta & New Expedia Cards - Weekly RecapChase Threatens Fee Hikes + BILT Beta & New Expedia Cards - Weekly Recap
Chase Threatens Fee Hikes + BILT Beta & New Expedia Cards - Weekly Recap
zhlédnutí 4,9KPřed 6 dny
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:30 Chase BNPL 2:00 Chase Fees 6:02 Marriott Bold 8:16 BILT Beta...
Paying Mortgage Fees With a Credit Card - No Credit For CreditPaying Mortgage Fees With a Credit Card - No Credit For Credit
Paying Mortgage Fees With a Credit Card - No Credit For Credit
zhlédnutí 2,6KPřed 9 dny
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:27 The Process 1:17 Up Front 3:13 In Process 13:38 Post Close 1...
Chase Project Emerald + Robinhood Gold Limitations - Weekly RecapChase Project Emerald + Robinhood Gold Limitations - Weekly Recap
Chase Project Emerald + Robinhood Gold Limitations - Weekly Recap
zhlédnutí 5KPřed 13 dny
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:38 Tour 1:10 Evolve Bank 3:12 Robinhood Gold 5:55 Amex Schwab P...
Credit Cards In My Wallet - Q3 2024 EditionCredit Cards In My Wallet - Q3 2024 Edition
Credit Cards In My Wallet - Q3 2024 Edition
zhlédnutí 6KPřed 16 dny
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:23 Wallets 1:23 Changes 2:25 Denials 4:36 Approvals 9:12 Curren...
Amex Acquisitions + Visa/Mastercard Settlement Blocked - Weekly RecapAmex Acquisitions + Visa/Mastercard Settlement Blocked - Weekly Recap
Amex Acquisitions + Visa/Mastercard Settlement Blocked - Weekly Recap
zhlédnutí 2,9KPřed 20 dny
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:31 Visa/Mastercard 2:35 Escape Lounges 4:01 Chase Pop up 6:10 A...
Too Many Chase Points + The Bank Bonus Drought - Q&AToo Many Chase Points + The Bank Bonus Drought - Q&A
Too Many Chase Points + The Bank Bonus Drought - Q&A
zhlédnutí 4,1KPřed 23 dny
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:36 Q1 Closing Accounts 3:05 Q2 Credit Inquiries 6:09 Q3 Rent vs...
Wells Fargo + BILT Rewards: Verge of Greatness or Disaster?Wells Fargo + BILT Rewards: Verge of Greatness or Disaster?
Wells Fargo + BILT Rewards: Verge of Greatness or Disaster?
zhlédnutí 7KPřed 27 dny
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:36 BILT 2:26 Headlines 5:08 Problems 7:54 Opportunities 12:25 F...
What's A Chase 5/24 Slot Worth? - Take What You Can...What's A Chase 5/24 Slot Worth? - Take What You Can...
What's A Chase 5/24 Slot Worth? - Take What You Can...
zhlédnutí 3,2KPřed měsícem
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:23 5/24 1:35 Factors 4:12 Profit 5:49 Product 7:52 Approvals 8:...
Apple Pay With Points + Chase Freedom Q3 5x - Weekly RecapApple Pay With Points + Chase Freedom Q3 5x - Weekly Recap
Apple Pay With Points + Chase Freedom Q3 5x - Weekly Recap
zhlédnutí 7KPřed měsícem
Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:35 Capital One 1:20 Sapphire Lounge 2:10 Freedom 5x 3:38 Amex White Gold 6:11 Apple Pay 10:58 Bye Advertiser Disclosure: Some of the products that appe...
Venmo Credit Card - Social EarningVenmo Credit Card - Social Earning
Venmo Credit Card - Social Earning
zhlédnutí 2,4KPřed měsícem
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:25 Venmo 2:06 Earnings & Redemptions 2:55 Card 4:45 Any Good? 7...
Wells Fargo Attune Is Legit + American Express Moves - Weekly RecapWells Fargo Attune Is Legit + American Express Moves - Weekly Recap
Wells Fargo Attune Is Legit + American Express Moves - Weekly Recap
zhlédnutí 4,7KPřed měsícem
Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:36 Discover 1:21 Amex vs eBay 3:59 Lounge Buddy 6:45 Curve 10:27 Wells Fargo Attune 15:21 Bye Advertiser Disclosure: Some of the products that appear o...
The Nicest Bank To Ever Throw Me OutThe Nicest Bank To Ever Throw Me Out
The Nicest Bank To Ever Throw Me Out
zhlédnutí 2KPřed měsícem
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:31 Horror Stories 1:45 What Happened 5:08 Make Good 7:56 Though...
Capital One & Walmart Split + Amex Gold Card Price Hike - Weekly RecapCapital One & Walmart Split + Amex Gold Card Price Hike - Weekly Recap
Capital One & Walmart Split + Amex Gold Card Price Hike - Weekly Recap
zhlédnutí 7KPřed měsícem
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:39 Virgin Red 2:37 PayPal 4:02 Amazon Reloads 6:13 Grub Hub 7:4...
The Power of Citi Custom Cash & Underrated 5x Cards - Q&A!The Power of Citi Custom Cash & Underrated 5x Cards - Q&A!
The Power of Citi Custom Cash & Underrated 5x Cards - Q&A!
zhlédnutí 5KPřed měsícem
💳 RJ's Picks: www.cardonomics.com/i/rjfinancial Click "Show More" to see Ad Disclosure. Join this channel to get access to the most profitable community on the internet czcams.com/channels/bioxf-vv5PgonyackdBwog.htmljoin CZcams.com/RunonTheBank www.profitablecontent.com RJ's Gear: www.amazon.com/shop/rjfinancial Chapters 0:00 Hey 0:40 Q1 Biggest Bonus 2:40 Q2 Real Estate 5:13 Q3 Custom Cash 7:3...

Komentáře

  • @christianjohnson4330
    @christianjohnson4330 Před 19 hodinami

    Hey @RJFinacial Great video! Could you consider doing an update to this video? I'm heavily considering moving abroad (South America)! Also, could you explore doing other videos about what to do with your domestic accounts/cards while living abroad, and financial steps to take before and after moving abroad like International HYSA, Roth IRAs, etc., or their equivalents, Thank you very much!

  • @lovethemetals5164
    @lovethemetals5164 Před 20 hodinami

    Not true about getting a bonus on the two different platinum cards

    • @RJFinancial
      @RJFinancial Před 19 hodinami

      Yep, this one is fairly old now. They're now under the one family rule

  • @wanderingdoc5075
    @wanderingdoc5075 Před dnem

    I think the Tastyworks $2000 for 100k is a no brainer, since you can invest the money as you normally would anyway. Just get an extra $2000

  • @1stKeepFocus
    @1stKeepFocus Před dnem

    Is money transfer still a functioning feature? I was told it's not available since 2015 by call center.

  • @TeslaRoadtrips
    @TeslaRoadtrips Před dnem

    love the t shirt analysis lol

  • @mypriusisfaster
    @mypriusisfaster Před dnem

    This card is great when paired with a WF Autograph for team cashback/no AF. I use this setup for Mexico travel. Both cards are no FTF and cover everything I need when abroad.

  • @Elle-D
    @Elle-D Před 2 dny

    He's very smart and quirky , which is making him cute! 😍😍

  • @mercury187
    @mercury187 Před 2 dny

    Your list and reasons make perfect sense and I came to the same conclusions before seeing this video

  • @jenniferw8963
    @jenniferw8963 Před 2 dny

    I was one that got a TSLA share instead of GOOG with Moomoo :)

  • @98gmill
    @98gmill Před 2 dny

    Great info RJ :)

  • @antiquehealbot6543
    @antiquehealbot6543 Před 2 dny

    I fully understand why banks/non-banks are kinda not willing to pay the promo money. We're taking advantage of the bonuses that aren't meant to be used that way. I started this game last year and earned around 2000$. It was almost free money!

    • @RJFinancial
      @RJFinancial Před dnem

      I agree to an extent. For sure on blocking a churn again, if we hit the agreement then they gotta pay. I have had it not go my way in a branch and I knew if I had been a real customer they woulda paid. To your point of not wanting to deal with a fake customer

  • @johnny_ma
    @johnny_ma Před 2 dny

    Tend to not go for things under $100, exception would be if there is CC funding and I need to do it for a card. The renting account which was Baselane was terrible, especially since we were gaming the system and got caught and ended with no payout. Lando couldnt bring it home for his pops... lol

    • @RJFinancial
      @RJFinancial Před dnem

      Too much of a degenerate. I should probably clean it up a bit lol. Baselane wasn't good. It makes sense how they caught us, can't win them all I suppose. Worse is I kinda wanted to use them for the rentals. Can't stay on principal after not getting paid... even if I was wrong

  • @djpuplex
    @djpuplex Před 2 dny

    Gotta be Teachers FCU.

    • @RJFinancial
      @RJFinancial Před dnem

      Ah man, they are the worst. They still send me marketing material to this day

    • @michaelstewart1838
      @michaelstewart1838 Před 21 hodinou

      ​@@RJFinancial😂 gaht dang, what the hell!?...

  • @sha749
    @sha749 Před 2 dny

    .

  • @evangibson8020
    @evangibson8020 Před 2 dny

    Based RJ

  • @davidwilliam9451
    @davidwilliam9451 Před 2 dny

    Lol. I've been doing ALL these garbage bonus lately. I only butchered Sofi and PayPal bonus but still got some. Swagbucks is pretty legit with a good referral program. The $25 MoneyGram bonus and the $75 One Card bonus are good. Brokerage bonuses are pretty easy just watch for fees.

  • @Lifeissorich.
    @Lifeissorich. Před 2 dny

    I've done ground floor, fundrise, sofi and webull but those are meant for once and not churnable. FanDuel and other betting ones are easy since I watch NBA but I stopped after getting my bonus bets.

  • @BRIANDER100
    @BRIANDER100 Před 2 dny

    Has anyone tried groundfloor ?

    • @Lifeissorich.
      @Lifeissorich. Před 2 dny

      Yeah, years ago. You have to invest the $50 and wait for the project to be complete. It can take several months to years. My project kept getting delayed and I finally withdrew my money like a year and a half later. I was doing these during covid during my first year working so wasn't pressed but if I was just doing it now I wouldn't be bothered. I no longer use the account. I should close it but if you want to get into real estate syndicates you're better off just sticking to REITs.

    • @BRIANDER100
      @BRIANDER100 Před 2 dny

      @@Lifeissorich. i think they may have short term projects of 3-6 month's and the returns can be greater than 10%

    • @Lifeissorich.
      @Lifeissorich. Před 2 dny

      @@BRIANDER100 the one I did was 3 months but it kept getting pushed back. It's a projected timeline.

    • @djpuplex
      @djpuplex Před 2 dny

      Read there prospectus carefully.

    • @RJFinancial
      @RJFinancial Před dnem

      I haven't. Thought about it but I only want to get the cash

  • @Lifeissorich.
    @Lifeissorich. Před 2 dny

    I'm glad US Bank finally turned to 1 year cool off now instead of the 2 years. About to open the personal today or tomorrow.

    • @RJFinancial
      @RJFinancial Před dnem

      I noticed that too. Now I need them to bring back the $600 offers

  • @kazi1
    @kazi1 Před 2 dny

    Yo

  • @lopezzepol1
    @lopezzepol1 Před 2 dny

    We need to skip a second term of Biden! Biden as president? Not again!!!

  • @RJFinancial
    @RJFinancial Před 2 dny

    Never skip the promotions at www.profitablecontent.com

    • @J0HN_3_16
      @J0HN_3_16 Před 2 dny

      Your credit card referral links at your website have the lowest bonuses I've seen for those specific cards.

    • @RJFinancial
      @RJFinancial Před dnem

      @@J0HN_3_16 Thanks for checking out the site. Not up to me. Use best offers you can find.

  • @BigCheeseEDC
    @BigCheeseEDC Před 4 dny

    What about the Walmart Store Card? Not the Mastercard..

  • @001looker
    @001looker Před 4 dny

    Chase is not worth it at all. Plenty of citi cards that are as good as Chase.

    • @RJFinancial
      @RJFinancial Před 4 dny

      Straight cash perspective Citi isn’t close. Intro offers aside, yes the core cards are probably in Citi banks favor.

  • @Louislounge78
    @Louislounge78 Před 4 dny

    What if you get it and didn’t activate it you can send it back right

    • @RJFinancial
      @RJFinancial Před 4 dny

      The account is already open and will report to credit. Can cancel if you’d like but it won’t change the credit pull or having a new account show up

  • @Vagkit1
    @Vagkit1 Před 4 dny

    I want to downgrade my Southwest card. Never plan on flying Southwest again.

    • @RJFinancial
      @RJFinancial Před 3 dny

      Can downgrade it to the no annual fee one

  • @juanvalverde9142
    @juanvalverde9142 Před 4 dny

    very through I like it, just to complement the info with a chart at the end would be awesome! thank you.

  • @micahgreene4573
    @micahgreene4573 Před 5 dny

    Completely off topic, but I got my notice today from Capital One. They are converting my Walmart card into a Quicksilver effective Sep 19. Same limit. Different card number. Just wanted to share info

    • @RJFinancial
      @RJFinancial Před 5 dny

      Thank you for the update. That's what we figured, a shame as a power card becomes useless

    • @micahgreene4573
      @micahgreene4573 Před 5 dny

      @@RJFinancial I agree. I wish they would have let me choose!

  • @jimmyjames6492
    @jimmyjames6492 Před 5 dny

    Thanks for the info + video!

  • @Trucker-X
    @Trucker-X Před 6 dny

    I have full service, free personal and business checking accounts as a veteran with Chase. I even received the sign-up bonuses. 🇺🇸

    • @newagain9964
      @newagain9964 Před 5 dny

      @@Trucker-X yeah. Vet is Only reason I kept my Chase accounts after bonuses. Not a good bank and not good products

  • @leokazo5388
    @leokazo5388 Před 6 dny

    Can bank refuese to close your account?

    • @RJFinancial
      @RJFinancial Před 5 dny

      I've never had it happen. They can have rules like zero it out first or you have to come in branch. Maybe if you have a negative balance they wouldn't close it.

  • @callmeNeno
    @callmeNeno Před 6 dny

    My Man; have you lost weight? you look leaner in the face and bod? what are you dong?

    • @RJFinancial
      @RJFinancial Před 5 dny

      Appreciate it brother. Been taking the cardio more seriously over the past year maybe. Down about 20lbs. I think it shows more in this room because of the contrast, as where the old setup I melted into all the black lol

    • @callmeNeno
      @callmeNeno Před 5 dny

      @@RJFinancial that’s awesome man!! Congratulations and keep at it.

  • @thejokerspeaks
    @thejokerspeaks Před 6 dny

    What we need are monthly credits on our debit cards to offset our checking account fees. Maybe we'll get paid to bank with our affective monthly fee.

    • @RJFinancial
      @RJFinancial Před 5 dny

      Oh gosh, you know how much I love an effective annual fee argument... I can see it now when Amex does it

    • @KittyKat-vb1nd
      @KittyKat-vb1nd Před 3 dny

      People really think they have power over banks. Smh

    • @thejokerspeaks
      @thejokerspeaks Před 2 dny

      @@KittyKat-vb1nd You've got to be confident with charisma. I'm the guy who convinced Capital One to pull the Savor card, Amex to make a White Gold edition, and for BILT to add Alaska as a transfer partner.

  • @SuperVeganShark
    @SuperVeganShark Před 6 dny

    Kinda dumb to announce the Expedia cards on a Friday (7-12) in my opinion. Less chance for it to be talked about on the weekend. And for us, yeah I’d rather spend on Chase Cards for Hyatt points. I’ve probably redeemed 2000$ on 9 nights of Cat1-3 hotel stays this year. Can’t imagine Expedia card offering the same sort of value. Plus, if you book an airline ticket especially foreign on an OTA like Expedia and there are problems you could be up the creek with out a canoe.

    • @RJFinancial
      @RJFinancial Před 5 dny

      I missed it. A reader emailed it in right before I taped this on Saturday. They also gave all the details which is nice but odd. Might as well have done it on a Tuesday, seems to be the big news day

    • @SuperVeganShark
      @SuperVeganShark Před 5 dny

      @@RJFinancial I was referring to the PR company announcing on a Friday, not you at all. Sorry if I wasn’t clearer.

  • @TeslaRoadtrips
    @TeslaRoadtrips Před 6 dny

    lots of gems in here

  • @juniorochoazavalza228

    The other account holders for Bilt were associated with Evolve ( tool involved in the recent financial fiasco)

  • @amardily
    @amardily Před 6 dny

    Wait that SUB on the Marriott Bold card is insane 60K points + a free night up 50K points for 2000 of spend?!?

    • @newagain9964
      @newagain9964 Před 6 dny

      Basically $600. And that’s being generous

    • @RJFinancial
      @RJFinancial Před 6 dny

      creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold

  • @robert8311
    @robert8311 Před 6 dny

    If Chase added fees to there basic checking account I’ll just leave Chase isn’t special for a checking account it offers nothing special

    • @RJFinancial
      @RJFinancial Před 6 dny

      Chase is the worst as far as sensitivity on deposit accounts go. I doubt most people will leave. May not even notice. I think it’s a tough talk but they will find away to get their money

  • @kcihtred2
    @kcihtred2 Před 6 dny

    freeze your credit and apply for bilt. get free 10k points

  • @Ryan31310
    @Ryan31310 Před 6 dny

    Nasa FCU just made checking account fees unavoidable.

    • @RJFinancial
      @RJFinancial Před 6 dny

      They denied me... I wanted that cool debit card too

    • @johntruluck6210
      @johntruluck6210 Před 5 dny

      NASA still does have one free option. Everyday Checking is free with a monthly $500 direct deposit or a $200 average daily balance. Elite and Premium will both have unavoidable fees.

  • @kimoc.4163
    @kimoc.4163 Před 6 dny

    Your video is much brighter and crisper looking. Also I think Chase threats are not that serious. They probably just want more lax regulation.

    • @RJFinancial
      @RJFinancial Před 6 dny

      Appreciate it sir. Think we’ve got it about right now. Besides the cliche CZcamsr plants and what not

  • @keithRR2023
    @keithRR2023 Před 6 dny

    I got one of those Verizon cards and they screwed up the two months I had it, didn’t give me the discounts , I had payments set up with my checking and they said they didn’t go through and charged me late fees , after numerous calls to them and Verizon , Verizon said they would make everything right and raised my monthly bill lol.. needless to say I cancelled the card and fired Verizon after being a customer for over 20 years . The card is horrible the service is horrible and their customer service is God awful . I would highly highly not recommend it

  • @evangibson8020
    @evangibson8020 Před 6 dny

    Based RJ

  • @tbark87
    @tbark87 Před 6 dny

    To put Bilt in perspective I needed to change my phone number. I had to handle it with Wells separately, took 2 minutes. With the Bilt program it took 4 or 5 days and 6 touches with Customer Service to complete. Imagine if you needed something hard or adversarial done. Just for fun, here’s the steps: 1) Attempt to update in App, referred to Customer Service chat in App. 2) Attempted in App, referred to chat on Web. 3) Attempted in Web, sent to email. 4) Email required me to set up my own meeting. 5) Waited for meeting and confirmed all details. Sent an additional email. 6) Confirmed again in email. 7) Phone number updated by Rep.