The Archive
Tips, strategies, and insights on credit card churning, card retention, and protecting your credit score.
Chase's 5/24 rule is the single most important application restriction in churning. Learn exactly how it works, which cards it applies to, and how to sequence your applications to stay eligible.
Credit card churning is the practice of repeatedly opening credit cards to earn sign-up bonuses and rewards. Learn how it works, the potential benefits, and what to watch out for.
When a credit card is closed — whether by you or the issuer — the financial consequences go far beyond losing one account. Discover the true cost of card closures and how to avoid them.
Level up your churning game with five proven strategies for maximizing credit card rewards. From staggered applications to portfolio retention, these tactics help you earn more while protecting your credit.