Moved to more appropriate forum.

This may be a battle of futility since their are so many "stories" out there about people's experiences. What works for me won't work for someone else. One thing I've learned is that there are no hard-and-fast rules. Reps tell different stories. And there are so many variables: age of your credit, income, total debt, debt ratio, etc. I wish it were more simple.

Example: Chase is every 2-3 months for me "usually". In the past I have gotten two Chase cards in one month. I couldn't now with two existing Chase cards. The CITI churn is over for most "previous cardholders" (personal cards) but business cards seem to be churnable every 3-4 months. I've read different stories.