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Old Nov 14, 2012 | 10:13 am
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funtrainsf
 
Join Date: Oct 2008
Location: DFW
Programs: AA (EXP), HH (Diamond), SPG (Platinum), HGP (Diamond), National Car (Exec Elite)
Posts: 153
Churnability?

I wanted to seek expert advice on my ability to churn credit cards (churnability) based on my credit scores.

Current Scores:
Equifax (via myFICO): 722
Experian (official Vantage Score): 835
Experian (via Credit Sesame): 766
Transunion (via myFICO): 717

I have one negative on my credit report (charge off in May 2009). Result of a joint account unpaid by spouse after divorce (can't do anything about this (please don't ask); letting it die eventually).

According to myFICO I use only 4% utilization.

Do you think I am in good shape to make a first churn? The reason I want to churn is that I travel a lot for work charging airfare, car rentals, hotel and food on the road. And then I like to travel in my free time. Until now I have accumulated a lot of miles by flying on business, hotel points on business and amex rewards on the rest. I think I can do better with better credit cards.

Thanks!

Last edited by funtrainsf; Nov 14, 2012 at 11:43 am Reason: update TransUnion
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