Okay so, I am a "noob" but I have some comments after reading this thread.

1) We were all "noobs" once. It's not very nice to read some of the comments on this thread. I don't feel welcomed.

2) I learned alot about the credit card game from bloggers, and from posters here on FT. They both have their uses. I'm very grateful for the advice I got from posters here. With advice and tips from both sources, my wife and I are taking a month long trip to Asia in Biz/First for almost nothing. The advice I received will pay dividends for our quality of life for years.

3) Even though I'm by no means an expert, after success in (2) I helped a few friends pull their own churn. I do not think "hoarding" knowledge is the mark of a healthy community. Shouldn't the posters here want to gain more like minded posters? How are you going to develop them?