Questions and Answers

Have a travel related question? Post it here, and I’ll do my best to answer it as quickly as possible.

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The beginning of the end?

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AmEx Platinum Timing


United Airlines Card Strategy


Citibank scams


Access to Lufthansa lounges


Spanish credit cards

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Credit Card Bonus

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Amex Plat retention offer


How often do signup offers change?

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Answers (2)

CC Churn

CC Churn

  1. CPTdave New Member

    I posted a question a while back about “Regular Folk” traveling, and I am grateful for all of the tips and advice I’ve received. I’ve built a good base of miles and points with various programs, and my wife and I have a decent stable of credit cards (10 so far) that we find useful for our travel profile.

    Our stash:

    -HHonors: 430K (Gold status through cc)
    -Chase UR: 200K (2xSapphire, 1xOld Freedom)
    -Virgin America: 25K (cc)
    -United: 90K (cc)
    -Hyatt: 17K (Platinum status through cc)

    However, a couple of big trips are in the offing and I can see our stash getting wiped out. I see myself having to start cancelling and re-applying for several cards starting next spring. I don’t travel for work, and I will never obtain status.

    Can anybody relate to this?
    What are your experiences cancelling cards only to re-apply and get the sweet sweet bonus a month or two later?
    How soon is too soon to re-apply after cancelling a card (Chase Sapphire, specifically, or really any Chase card)?
    How do you “churn”?

  2. Gaurav Community Ambassador

    [USER=1806]@CPTdave[/USER], that is a broad based set of questions. I highly recommened a blog called Doctor of Credit. They have a series titled “x things to know about AmEx/Chase/Citi” etc which talks about the unique factors of each issuer.

    WRT to Chase, you can receive a bonus again two years after your last bonus. However this must be weighed by the 5/24 rule for UR earning cards.

    Also keep in mind that you don’t need to hit the same cards again and again quickly. You can use UR to book United flights… but you can also get an AmEx card, transfer to Aeroplan and then book UA flights.

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