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.
Annual fee coming due on a card you no longer use? Don't cancel it. A product change preserves your credit line and account age while eliminating the fee. Here's how downgrades work at every major issuer.
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.