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