FlyerTalk Forums - View Single Post - Can someone please explain the art of churning?
Old Oct 3, 2011 | 8:11 am
  #2  
mia
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
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Originally Posted by mike s
...Do you have to cancel the credit card and wait a certain time before applying for another deal? How do you know how long you have to wait?
Welcome to Flyertalk.

In the USA there are five primary issuers of rewards credit cards:

  • American Express
  • Bank of America
  • Barclay's
  • Chase
  • Citi

The answers to your questions are different for each issuer. The art is learning each issuer's system: which credit bureau(s) they pull in your area, how they handle simultaneous applications for multiple cards, if they permit multiple cards linked to the same rewards program, if they disqualify previous holders of the same (or related) card from bonuses, how to appeal declined applications, etc.

Start with this thread to understand how Chase works:

http://www.flyertalk.com/forum/credi...er-thread.html
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