Well, I guess its a combination of things. I have excellent credit that I don't really want to compromise. And that's primarily because I'm young, and when my husband finishes law school in a few months, buying a house will be in our near future and I wouldn't want to do anything to jeopardize that. And its not so much that Im lazy - I guess I just don't have a firm grasp on the whole churning business and I wouldn't want to screw something up that would prevent me from ever being able to open another Amex or a Chase card, etc. I know Chase has been touchy lately about breaking the rules, and I would be a little upset if our card got cancelled and we got black listed or something like that.

What is a debit card that gives points?? I'm happy with the cards that we have (CSP and Delta Plat are our primary cards at the moment...there are a few others that don't get used, but I'm not sure if I will cancel them). I will probably add Chase Freedom at some point to maximize UR points.