Originally Posted by Dr Jabadski

(Written from a SUB addict, I mean judicious churning advocate*, point of view.)
That … with modification. Apply for biz version now, presuming approval cancel (existing) personal card shortly thereafter. Apply for personal card again in 13-18 months, presuming approval cancel biz card shortly thereafter. Wash, rinse, repeat. SUB and CC TQNs almost every year, occasional CC CAT 1-4, ongoing Discoverist status and 4x for Hyatt charges.

It's all about the SUBs. Kinda like a pro athlete signing a $250,000,000 contract or the victor in a $250,000,000 lawsuit saying “it’s not about the money” … it’s invariably all about the money. Here at FT, it’s invariably all about the SUBs.

(*: Judicious churning requires remaining at or below 4/24 or only being above 4/24 for brief periods.)