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What is your best timing advice for my credit ‘card churning’ day?
Hi, Lucky! I’m new to the miles game. I have read that you should only apply for cards once every 3 months or so and you should apply for 2 or 3 at the same time – churning. End of Feb. and beginning of March I was approved for the CSP, SPG and US Airways MasterCard.I have recently received a targeted offer for the United Mileage Plus card for 50,000 miles. The offer expires 5/31/15, 11 days before I hit my 3 months mark. My question is: should I wait until the last day to apply for this card and use this as my ‘card churning’ day, even though it’s before the 3 month mark? Should I just apply for this card or not apply for it at all?
@ Marisa — The three month date is totally arbitrary. In general I wouldn’t apply for cards too often, but whether it’s two months or three months or four months really shouldn’t make a difference. I’d apply sooner rather than later. Let me know if you have any other questions!