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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Transfer CapOne points


Citi Prestige Card No longer accepting application


Amex Gold offers free Clear membership

Can you help?

Hilton hotel adds surcharge for using a credit card


Am I Better Off Earning 4x Amex Points or 5x Citi/Chase Points?


Thoughts on Bilt, the new credit card that rewards you for paying rent?


iPhone Outright Purchase

Can you help?

100,000K Marriott points or 3 free nights?


Chase reserve medical evacuation benefit


Amex or JetBlue MasterCard


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Answers (2)

CC Churn

CC Churn

  1. CPTdave

    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

    [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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