i was going to write this out myself. if you guys really want to understand and appreciate churning, go read the american blogs/articles/tutorials, sure some of the concepts cant be applied here, and they have 3 instead of 2 CRAs (EQ and TU) but the remainder is mostly same.

Amex plat is something they would love to give away (as long as youre not a completely new client, by that i mean I got a conditional reconsideration but only if I closed one of my amex accounts, unfortunately weird guideline they have in place wont let them do that for me unless i've been a client for atleast 1 year), amex gold is churnable effortlessly as MBNA but you got lucky with chase just because you closed their account less than 90 days ago, I guess they must not have many applicants

also what percentage of cdn's do you guys think actually churn, i was disenchanted going through the RFD finance section where a majority of posters were absolutely clueless, much less likely to be competent enough to go through churning cc's. RFD is the only "big" finance site apart from flyertalk that I know of, and while there are a few threads with alot of posts, theyre mostly capped at 1-2k max posts and sizeable portion of it is recycled material or same posters.

And to add a data point, MBNA was overwhelmed by # of applications presumably all because of traffic of MBNA thread on RFD to the extent they retracted 1 yr to 6 month offer on smartcash and reduced other benefits as well. Also I havent seen cibc publically advertise $400 for their tims visa and whatever bank account etc you need with them, but apparently they too underestimated the demand and once again I think it comes mainly from traffic from RFD. So all of that said, if people at RFD (and here) are basically most of the poeple who churn, that would make like 5-10k people at most (generous exaggeration) from canada's 35 million population