Credit Card Programs - 132 CCs and counting

In the last year I've opened and closed 132 CC accounts for myself, my wife and my business. Unfortunately my kid is only 10, but I can't wait til he turns 18 so I can apply for him as well!

Most of the miles have been with AA, but also NW, UA, CO, AMEX MP, Delta, Citi TYP, Midwest, Starwood, and Hilton, for a total of over 2 million miles/points.

I am most proud, however, after years of telling my parents about the free business class trips we take all over the word, that my mother finally has the CC churning bug. And driving my father crazy!

Any other tales of CC excess out there?

In the last year I've opened and closed 132 CC accounts for myself, my wife and my business. Unfortunately my kid is only 10, but I can't wait til he turns 18 so I can apply for him as well!

Most of the miles have been with AA, but also NW, UA, CO, AMEX MP, Delta, Citi TYP, Midwest, Starwood, and Hilton, for a total of over 2 million miles/points.

I am most proud, however, after years of telling my parents about the free business class trips we take all over the word, that my mother finally has the CC churning bug. And driving my father crazy!

Any other tales of CC excess out there?

Do you have an inquiry count for us on each bureau? Do you freeze/unfreeze any bureaus? Give us more details! 132 is impressive! :cool:

Sorry, but I haven't really paid any attention to the credit pulls. I have, however, been careful with the Citibank 60 day (2 personal) and 90 day (1 business) limits.

In the last year I've opened and closed 132 CC accounts for myself, my wife and my business. Unfortunately my kid is only 10, but I can't wait til he turns 18 so I can apply for him as well!

Most of the miles have been with AA, but also NW, UA, CO, AMEX MP, Delta, Citi TYP, Midwest, Starwood, and Hilton, for a total of over 2 million miles/points.

I am most proud, however, after years of telling my parents about the free business class trips we take all over the word, that my mother finally has the CC churning bug. And driving my father crazy!

Any other tales of CC excess out there?

132 applications is certainly impressive, but you could have gotten the same amount of miles with a lot fewer applications. Most of the cards you list (NW, UA/CO, DL/*W) rarely produce multiple bonus miles. You may have gotten multiple cards approved, and an occasional multiple bonus may have slipped through, but you mostly received bonus denial letters. Although we exchange information away from this site, our network of hardcore churners does have quite a few data points, enabling us to call BS on your story. Welcome to FT, though!

132 applications is certainly impressive, but you could have gotten the same amount of miles with a lot fewer applications. Most of the cards you list (NW, UA/CO, DL/*W) rarely produce multiple bonus miles. You may have gotten multiple cards approved, and an occasional multiple bonus may have slipped through, but you mostly received bonus denial letters. Although we exchange information away from this site, our network of hardcore churners does have quite a few data points, enabling us to call BS on your story. Welcome to FT, though!

There is no need for calling shenanigans on OP. Did OP SAY he got multiple bonuses on all cards? Perhaps you could ask some specific questions to try and figure out how OP pulled it off? Where do you get off saying what OP did or didn't get? (mostly rec'd bonus denial letters??) Give OP a break, if they are trolling or lying then the truth will eventually come out.

Wow, wasn't expecting such nastiness from an FTer. Yes, I have had some denial letters (about 5 in 2 years) and a few times I didn't get the bonus, but those cards were not included in the 132.

I don't really see what's so unbelievable to my claim. Just opening (and closing) 2 personal cards (myself and my wife) each month, and a business card every 90 days equals 700,000 miles EACH YEAR at 25,000 a pop. Add to that 130,000 Starwood points (before they started refusing the bonus) and two unsolicited 50,000 MP AMEX Gold cards and the 2 million is easy.

I don't know what kind of "data points" you're talking about, but I'll give you a list of the cards and the bonus received for each. Maybe you just aren't as good at this game as you think...

United Mileage Plus VISA 20,000 United miles
Citi Platinum Select Aadvantage World MC 20,000 Aadvantage miles
United Mileage Plus VISA 20,000 United miles
Citi Simplicity Rewards Card 10,000 Thank you points
Citi Platinum Select Aadvantage World MC 20,000 Aadvantage miles
Citi Simplicity Rewards Card 10,000 Thank you points
Amazon.com VISA $30 off first purchase
Citi Platinum Select Aadvantage World MC 15,000 Aadvantage miles
CitiBusiness Aadvantage Card (MC) 15,000 Aadvantage miles
Amazon.com VISA $30 off first purchase
AMEX Gold Rewards Plus 50,000 AMEX points
AMEX Gold Rewards Plus 50,000 AMEX points
United Mileage Plus VISA 20,000 United miles
Citibusiness Platinum Select 10,000 Thank you points
Delta Sky Miles Gold (Amex) 15,000 Delta miles
Citi Diamond Preferred Rewards Card 10,000 Thank you points
Citi Aadvantage World Mastercard 15,000 Aadvantage miles
United Mileage Plus Platinum Business VISA 20,000 United miles
AMEX Business Gold Rewards $250 off first purchase
Delta Sky Miles Gold Business Card (Amex) 12,500 Delta miles
Delta Sky Miles Gold (Amex) 17,500 Delta miles
Citi Platinum Select Aadvantage World MC 20,000 Aadvantage miles
World Perks Visa Signature 15,000 Worldperks miles
CitiBusiness Aadvantage Card (MC) 20,000 Aadvantage miles
World Perks Visa Signature 15,000 Worldperks miles
Citibusiness Platinum Select 10,000 Thank you points
CitiBusiness Premier Pass 15,000 Thank you points
Citi PremierPass Card 10,000 Thank you points
Citi Professional Card 10,000 Thank you points
Citi Professional Card 10,000 Thank you points
Citi Diamond Preferred Rewards Card 10,000 Thank you points
Citi Diamond Preferred Rewards Card 10,000 Thank you points
CitiBusiness Aadvantage Card (VISA) 20,000 Aadvantage miles
Bank of America Extra Bases Yankees MC blanket
Midwest Mastercard 5,000 Midwest miles
Midwest Mastercard 5,000 Midwest miles
AMEX Platinum Business FreedomCard 5,000 Freedom Pass points
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest Business AMEX 10,000 Starwood points
AMEX Business Green Card 5,000 AMEX points
Amazon.com Buisiness VISA $30 certificate
United Mileage Plus Platinum Business VISA 16,000 United miles
AMEX Business Gold Rewards $100?, 5,000 AMEX points
Amazon.com Buisiness VISA $30 certificate
AMEX Business Gold Card $100 off 1st purchase
Citi Diamond Preferred Rewards Card 6,000 Thank you points
Citi Professional Card 10,000 Thank you points
Citi PremierPass Card 5,000 Thank you points
CitiBusiness Aadvantage Card (MC) 20,000 Aadvantage miles
Citi Aadvantage AMEX 15,000 Aadvantage miles
United Mileage Plus VISA 21,000 United miles
Starwood Preferred Guest Business AMEX 10,000 Starwood points
Citi Platinum Select Aadvantage World MC 15,000 Aadvantage miles
United Mileage Plus VISA 21,000 United miles
Delta Sky Miles Gold Business Card (Amex) 15,000 Delta miles
Citi Platinum Select Aadvantage World MC 20,000 Aadvantage miles
United Mileage Plus Platinum Business VISA 21,000 United miles
Delta Sky Miles Gold Card (Amex) 15,000 Delta miles
Delta Sky Miles Gold Card (Amex) 15,000 Delta miles
CitiBusiness Aadvantage Card (VISA) 20,000 Aadvantage miles
Citi Aadvantage AMEX 15,000 Aadvantage miles
HiltonHonors AMEX 10,000 HiltonHonors points
HiltonHonors AMEX 10,000 HiltonHonors points
Citi Professional Card 15,000 Thank you points
Citi Professional Card 15,000 Thank you points
CitiBusiness Aadvantage Card (MC) 20,000 Aadvantage miles
Citi Premier Pass AMEX 5,000 Thank you points
Citi Premier Pass AMEX 5,000 Thank you points
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest Business AMEX 10,000 Starwood points
Citi Diamond Preferred Rewards AMEX Card 10,000 Thank you points
Citi Diamond Preferred Rewards AMEX Card 10,000 Thank you points
Citi Platinum Select Aadvantage World MC 40,000 Aadvantage miles
Citi Platinum Select Aadvantage World MC 40,000 Aadvantage miles
AMEX Business Gold Rewards 25,000 AMEX points
AMEX Preferred Rewards Gold Card 10,000 AMEX points
AMEX Preferred Rewards Gold Card 10,000 AMEX points
United Mileage Plus VISA 21,000 United miles
United Mileage Plus Platinum Business VISA 21,000 United miles
CitiBusiness Aadvantage MC 20,000 Aadvantage miles
Citi Aadvantage AMEX 40,000 Aadvantage miles
Starwood Preferred Guest Business AMEX 10,000 Starwood points
Citi Platinum AMEX 15,000 Thank you points
Citi Platinum AMEX 15,000 Thank you points
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest AMEX 10,000 Starwood points
United Mileage Plus VISA 21,000 United miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citi Platinum Select Advantage AMEX 25,000 Aadvantage miles
CitiBusiness Aadvantage Card (MC) 25,000 Aadvantage miles
Citi Premier Pass AMEX 10,000 Thank you points
Continental World Mastercard 20,000 OnePass miles
Starwood Preferred Guest AMEX 10,000 Starwood points
Starwood Preferred Guest AMEX 10,000 Starwood points
Citi Premier Pass AMEX 10,000 Thank you points
Starwood Preferred Guest Business AMEX 10,000 Starwood points
United Mileage Plus VISA 21,000 United miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citi Platinum Select Advantage AMEX 25,000 Aadvantage miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citi Platinum Select Advantage AMEX 25,000 Aadvantage miles
World Perks Visa Business 20,000 Worldperks miles
CitiBusiness Aadvantage Card (MC) 25,000 Aadvantage miles
AMEX Business Gold Rewards 25,000 AMEX points
World Perks Visa Platinum 15,000 Worldperks miles
World Perks Visa Platinum 15,000 Worldperks miles
Citibank Aadvantage Visa 20,000 Aadvantage miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citibank Aadvantage Visa 20,000 Aadvantage miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
United Mileage Plus VISA 25,000 United miles
Delta Sky Miles Gold Card (Amex) 22,500 Delta miles
Delta Sky Miles Gold Card (Amex) 22,500 Delta miles
Delta Sky Miles Gold Business Card (Amex) 22,500 Delta miles
CitiBusiness Aadvantage Card (MC) 25,000 Aadvantage miles
Continental World Mastercard 21,000 OnePass miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
Citi Platinum Select Advantage AMEX 25,000 Aadvantage miles
Citi Platinum Select Advantage AMEX 25,000 Aadvantage miles
Citibank Aadvantage Visa 20,000 Aadvantage miles
Citibank Aadvantage Visa 20,000 Aadvantage miles
United Mileage Plus Platinum Business VISA 25,000 United miles
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles
CitiBusiness Aadvantage Card (MC) 25,000 Aadvantage miles
WaMu VISA $50 gift card
AMEX Preferred Rewards Gold Card 10,000 AMEX points
AMEX Preferred Rewards Gold Card 10,000 AMEX points
Citi Platinum Select Aadvantage World MC 25,000 Aadvantage miles

Well, I am impressed. :D

I thought I was doing well keeping 20 or so cards in my wallet at a time--not including the live ones that are sitting in a box waiting for cancellation--because I allready collected the bonuses.

Just typing up that list of cards looks tiring. ;)

Thanks for the info. Care to share your organization methods? :cool:

It is surely an impresive list I have had only like 62 in my whole life (I am 25) and thought I was doing good but WOW

j3brooklyn,
Do you keep an eye on your FICO score? How much has it fluctuated in the last two years?

I enjoy credit card bonus's also, but when my boy turns 18, no way am I cosigning a card for him for more than maybe a hundred bucks.... He's gonna have to show he knows how to pay them off....

Some FTers definitely think way too much of themselves.

Great job j3brooklyn and welcome to FT. We don't all bite.

The list above is just a dump from my Excel spreadsheet that has the following columns:

Card name
Bonus offered
Date applied
Date activated
Spend amount required for bonus
Date spent
Amount spent
Date paid off
Bonus received
Date canceled
Offer source (web site, mail, etc.)

I'm also careful to record any kind of bonus offer # or print a pdf of the web site as when it comes time to get the miles the original offer is often gone. I should probably add columns for initial credit limit and revised limit, but I'm pretty good about reducing the limit (usually from $15,000 to $5000 or less) when I activate the cards.

I also keep a Quicken file for each card so I know what's outstanding and rarely have more than one personal and one business card in my wallet to avoid confusion, though if I'm working an AMEX card I'll have a MC/VISA as well as AMEX is more difficult to use.

I've discovered that most merchants are happy to split charges on as many cards as you want. I (my wife) recently bought a lot of furniture that took 10 weeks from the time of order to delivery. After paying the initial deposit, I called back every couple of weeks with a new card and charged an additional $750. I'm doing the same for a vacation next February.

As for the FICO score, I've never checked, though the credit limits my wife and I are being offered haven't gone down over time. I guess if I start getting rejected I'll look into the FICO scores for a reason.

Sounds like you are on the same plan as me, although my spreadhsheet includes these columns (Retention Miles, username/Password/URL)

And A table that shows me the last applied date +60 days, by card type. So I can see CitiAA Personal + 60 and know when to apply again.

Of course, I have a spreadsheet that only has about 40 cards on it, over 2-3 years....

I've been indicating the Retention miles (or dollars) in the Bonus received column, but lately I've stopped looking for retention bonuses. I've been canceling all my cards by e-mail, as I really can't stand the "Retention" experience. I realize I'm forfeiting some miles, but I can't stand having that conversation once a week and my wife was really balking.

I skip a line between the cards that are active or applied for and then list the next 6 or so cards that I'm planning to apply for with the date to apply. I've considered linking it to my iCal so it sends an e-mail alert on the day, but I realized that I look at the spreadsheet every few days so it isn't necessary.

enabling us to call BS on your story. Welcome to FT, though!


Ouch!!!! Don't know who the "us would be" I think JDPX just has had a bad day.

Way to go!!!!!!!!!!!!!!!!!!

In the last year I've opened and closed 132 CC accounts for myself, my wife and my business. Unfortunately my kid is only 10, but I can't wait til he turns 18 so I can apply for him as well!
I think you're confusing people with the lumping together of cards in your name vs your wife's name vs your business. You may be pooling all the points and miles together or not, I don't know, but as far the banks are concerned, you're two separate people, each with their own inquiry limits, etc.

Would you mind breaking this down into xx in my name, yy in my wife's name, zz in my business name? Thanks.

I'm wondering: How of these cards did you have pay annual fees for?

Also, for others: This was in the past. Keep in mind that Citi limits on inquiries are fairly recent (and they only apply to the last 6 months), so the OP may have applied for many of the Citi cards before that limit went into place and still be "in the last year". So just because the OP did this the past year doesn't mean everyone (who is interested in AA miles more than anything else) can repeat this next year, though.

Very impressive... However, I'd be cautious in this financial environment about having excessive inquires on your credit reports... But hey, you seem to be having good luck, and we all know it's hard to quit while you are ahead :)

Wow! How do you do it? That averages 44 cards each for you, your wife, and your business. I currently have nine business and seven personal cards active. My FICO is high 700's to low 800's and I was rejected by Chase and Citi in July for "too many recent credit inquiries". Those applications were under a second corp. that I have that presently has no credit cards at all, and never has. I have 21 inquires evenly spaced from 2/9/2007 to 7/31/2008 and none since on my Experian report. I have only three on Transunion and six on Equifax.

What am I doing wrong?

Very impressive, what was your FICO before all this started and what is it now?

do you really have a business or do you put your personal income instead.

Simplicity card ceased to exist probably for 2 years.

Diamond Preferred 10K bonus was reduced to 6K also happened in 2oo6, and then to 0 bonus shortly thereafter.

Just the 2 most obvious discrepancies I notice in the long list.

I also agree with Post No.16, especially the last paragraph.

Also, it is thread like this kind eventually killed the opportunities with Chase. I would hate to see such bragging would do the same thing for the last few opportunties that remain out there.

Very impressive if true. I only churn about 5 cards per year.

The OP lists 13 Starwood AMEX sign-up bonuses (between OP, wife, OP's business) over two years.

I thought there was a "lifetime" limit of 1 Starwood AMEX sign-up bonus per entity. Thus, 1 personal + 1 wife + 1 business in your name + maybe 1 business card account applied in wife's name. That is, I thought it was not possible to churn these. Do I misunderstand the program rules?

I do not understand the need for so many CCs. I have only 6 and I think I have too many.

I do not understand the need for so many CCs. I have only 6 and I think I have too many.

The whole point of getting and churning CCs is get rack up the sign up bonuses. Without that incentive why should anyone.

Op can you tell us who sent you the bonus denial letters?

I understand that people want the miles, but I just do not think that it's worth the risk to open and close so many CCs. Moreover, the cards are not free. Is the expense worth it? I do not think so.

I understand that people want the miles, but I just do not think that it's worth the risk to open and close so many CCs. Moreover, the cards are not free. Is the expense worth it? I do not think so.

What risk? If you have a high FICO you may suffer a slight ding, but not enough to cost you anything. Also, most cards are fee free the first year. I only have 16 active cards but with good organization (Quicken and EXCEL)it requires very litttle effort and substantial payoff. YMMV.

YMMV

+ your conform level.

Open Jaw,

This may not your cup of tea but it help many people to benefit including me with nominal cost.

CCs are great but one always has to keep an eye them. It is very easy to steal someone's identity, and with 132 cards the risk increases even more.

Yes, many cards are free for the first year, but closing an account after a year does not help one's credit score. In fact, many banks will use the large number of CCs against someone when they want a mortgage....

I love my two airline cards (DL AMEX & AA MC) but I would never want to have any more because of the annual fee.

I love my two airline cards (DL AMEX & AA MC) but I would never want to have any more because of the annual fee.

both have the annual fee waived in the first year.

I know that the fees can be waived for the first year. But after that one must pay the fee. IMHO, it does not make sense to have too many CCs with annual fees.

I perfer to put all my spending on one or two cards in order to maximize the miles earned with the airlines I fly most often.

OJ, for every card you open you get the equivalent of a free flight. The minor ding to your credit score should be worth that.

many banks will use the large number of CCs against someone when they want a mortgage

IMHO, there are not too many mortgages being applied for, or gotten, these days. Perhaps when the Bush collapse is over this will change. But, it might be a while. :D

Meantime, gather ye miles while ye may. ^

Many people are unable to obtain mortgages because they have too many CCs and to much debt on said cards.

Of couse an offer by a CC may lead to a "free" trip, but that should not be the reason why someone obtains a CC.

Many people are unable to obtain mortgages because they have too many CCs and to much debt on said cards.

Of couse an offer by a CC may lead to a "free" trip, but that should not be the reason why someone obtains a CC.

Open Jaw, from http://www.myfico.com/CreditEducation/ImproveYourScore.aspx

Have credit cards - but manage them responsibly. In general, having credit cards and installment loans (and paying timely payments) will raise your credit score. Someone with no credit cards, for example, tends to be higher risk than someone who has managed credit cards responsibly.

Having many credit cards does NOT mean you are in debt. Churning CCs is profitable if you pay in full ever month. Clearly you are not a fan, but it works for many of us. To each his own. :D

Schutzee, I agree with you completely. I just believe most people are not that responsible with their credit. The stats seem to prove that. The average American has about $8,000 in CC debt.

Earlier in this thread it was asked how you (productive churners) are getting multiple bonuses by churning if the application clearly states only one bonus per cardmember. How are you getting around that? Are the companies bad at keeping records?

I have 4 UA 30,000 direct mail offers in my desk and would be happy to churn them but they all say there is only one first time bonus and I have already done it once.

I appreciate your thoughts.

Many people are unable to obtain mortgages because they have too many CCs and to much debt on said cards.

Of couse an offer by a CC may lead to a "free" trip, but that should not be the reason why someone obtains a CC.

I'm glad you have an opinion on this matter, and that we now know it. However, you really don't need to keep replying against this activity in this thread. It has great benefits and great risks. One should understand both fully before undertaking this sort of behavior. I do it, but I don't really recommend it for anyone else.

OP,
Thx for sharing your successful methodology. I learned lots due your willingness to spell out your system. Many FTers are so secretive that a newbie can't figure out their jargon, let alone their "trick". I understand their paranoia is based in fear of losing their special advantage. I appreciate your openness.

Earlier in this thread it was asked how you (productive churners) are getting multiple bonuses by churning if the application clearly states only one bonus per cardmember. How are you getting around that? Are the companies bad at keeping records?

I have 4 UA 30,000 direct mail offers in my desk and would be happy to churn them but they all say there is only one first time bonus and I have already done it once.

I appreciate your thoughts.

They don't apply those rules. Chase & AMEX, however do. Chase used to allow churning but stopped in late 06. They are all aware of churning but let it happen.

OP can you tell us who sent the denial letters?

ALso since you joined FT only this sep, how did you know about churning and how many times did NW let you churn.

Schutzee, I agree with you completely. I just believe most people are not that responsible with their credit. The stats seem to prove that. The average American has about $8,000 in CC debt.

The Stats also have been rather consistent, that 50% of the cardholders pay in full every month, while the other 50% of the cardholders carry balances - some are much larger than the others, especially when you think about that 50% of the cardholders carry 0 balance.

Needless to say, the 50% cardholders have no problem using credit cards. Yours truly have not paid 1 penny of finance charge for 2 decades of card usage, fyi.

If you cannot handle CC spending and fearful of having more than a couple cards would tempt you to spend more than you can afford, then Yes, dont get extra CC. However, you really do not need to preach the peril of owning CCs because this thread is clearly not for that purpose. :)

They don't apply those rules. Chase & AMEX, however do.


Who is "They" . Isn't the UA card a Chase product? So can I churn it?

Who is "They" . Isn't the UA card a Chase product? So can I churn it?

You can get as many UA cards as Chase approves you, but you will only get ONE bonus for each product (personal and business).

If you do a search on United card you would find quite a number of posts about this well-known bit of info.

I'm not impressed. Disputing inquiries is stupid. I have opened quite a few accounts since I filed for bankruptcy. I wish I wouldn't have burnt Amex. I really want a Delta skymiles card.

It has been my experience that Amex is very sloppy in enforcing the one bonus rule, as has US Bank. Chase has a memory like an elephant! Citicard and Citibusiness allow you to churn away!

Happy, I also pay my cards off every month and have done so for almost 20 years. I could open 200 CCs if I wanted to, but that would not make sense to me.

Preach? I did not preach. I asked a question and got many answers. Moreover, this thread is the perfect place to discuss the pros and cons of having many CCs. The title (132 CCs and counting) speaks for itself.

Who is "They" . Isn't the UA card a Chase product? So can I churn it?

Credit card companies.

Earlier in this thread it was asked how you (productive churners) are getting multiple bonuses by churning if the application clearly states only one bonus per cardmember. How are you getting around that? Are the companies bad at keeping records?

I have 4 UA 30,000 direct mail offers in my desk and would be happy to churn them but they all say there is only one first time bonus and I have already done it once.

I appreciate your thoughts.
The policy on churning varies from to bank. The vast majority of churning discussion here is about Citi, the one bank (that partners with a popular airline) that allows really heavy churning. But Citi only partners with AA, so that's the only airline that works with. (Citi applications don't typically say one bonus per member, they say one bonus per account, and it appears they mean by credit card account, not by frequent flyer account!)

One poster has reported that churning also works with two banks that currently have cards for US Air (but it's not clear to me whether it's as heavy churning as AA that they allow). But those banks don't have any cards for any other airlines, and US Air seems to be the least popular of the "big 6" legacy airlines based in the USA.

At other bankds, there may be a little churning allowed, but it requires loopholes. For example, some other banks may only allow one bonus per type of card, but have several types of cards and may allow you to get one bonus on each (at the very least, one personal card and one business card, but maybe even one person "Signature" card and one personal "World" card, etc). UA, at best, seems to maybe fall into this category, as far as I can determine, but exactly which cards they consider "different" enough I'm not absolutely clear on. (In my case, I had some fee-based UA card a few years ago, but for the last few years have only had a Bronze UA card. I have no clue which, if any, of the current UA personal cards they would consider "different" enough from what I have or had to give me another bonus.)

Then there may be "very slow" churning, ie, those banks'airlines that let you get another bonus, but only after enough years have gone by and their primary records of your previous bonus have "rolled off" or whatever...

...Citi, the one bank (that partners with a popular airline) that allows really heavy churning. ...The Chase Southwest Visa can be churned. There are also reports that the UA card can be churned again, but I can't say personally.

I read somewhere on these forums that you could only get the bonus from Starwood one time per person. I got the bonus last Dec(2007), closed all cards, and then reapplied this June. I did receive the bonus again on all cards in my name and my husbands name ( and the businesss). Not sure if I was just
lucky, or if I read incorrect info.:D

I read somewhere on these forums that you could only get the bonus from Starwood one time per person. I got the bonus last Dec(2007), closed all cards, and then reapplied this June. I did receive the bonus again on all cards in my name and my husbands name ( and the businesss). Not sure if I was just
lucky, or if I read incorrect info.:D

It is a very YMMV thing with SPG. I have known of people who are denied, and one received it.

At least since July the answer is negative.