My wife and I have been following this forum carefully and have followed instructions on how to properly apply with limited credit inquiries. We are both in our mid twenties with very good credit scores. I own a small business and put many of the business expenses on my cards (currently Pres. Plat is my go to card).

I am, like many of you, most intrigued by the signup bonuses and of course by the idea of churning different cards annually (or more). Our cards are all paid off monthly, so hopefully this is helping to further strengthen our credit scores and long term history. Being that in a year or so from now, we want to be in the right position to purchase a house (at the best interest rates), I figured it can't hurt to ask what is TOO much and what will help/hurt us long term. I have done extensive reading in many of the forums related to churning etc. To be honest, I'm still unsure if these various strategies involve canceling accounts (and again, if that effects credit) or if they simply allow you to have multiple of the same account open as once.

Here is what we each have and what we'd like to "safely" apply for.

Wife

Have:

Amex Plat
BA Chase
Chase Saphire

Would like to apply for:

Amex Gold 75K
Citi AA 75k x 3

Me

Have:

Chase CO Presidential Plus (converted from CO Onepass Card via targeted first yr free)
Chase Saphire
Chase Ink Bold Business
Citi AA 75k x 3

Would like to apply for:

Amex Platinum (50k + 50k)
Amex Gold 75k
Hyatt Chase Signature Visa
UA 50k Chase


Your feedback is greatly appreciated. Kudos to all of the "legends" who have helped make this site so informative and up to date.