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Answers (2)

What is your best timing advice for my credit ‘card churning’ day?

What is your best timing advice for my credit ‘card churning’ day?

  1. Anonymous

    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?


  2. Anonymous

    @ 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!

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