Originally Posted by
Father-of-3
Many people on this board are actively commuting fraud, but it would be difficult to prove and closing someone's account is the easier solution.
I've found the truth works well. "Why do you buy so many if these cards?" "I get a ton of points from my credit card for free trips". Seem easy enough to me.
It's the 91 Freeway that drives me to commuter fraud. (pun intended...sorry-- just some good-natured teasing for the typo!)
I agree that the truth is good enough... I want points, points and more points. I just think that flying under the radar is the best way. If you can keep from having to answer any questions, you won't have any 'splaining to do, as Ricky Ricardo would say to Lucy. That's why I prefer chat sessions to phone calls, etc. If you tell the credit card company that you are "getting this third card simply to get more airline points"... you will get denied! So if you have any other reasons for applying... such as "I'm trying to separate spend categories" or "blue cards look great with my black wallet"... you might consider "slanting" your story.