Churn was probably the wrong word, she just took out the cards, made the sign-on bonus, and then kept the card for the free night award. She hadn't cancelled one due to AF in several years. But once she hit signup bonus, then no spend on the two old ones cancelled (they didn't cancel her Freedom Flex which we use modestly).

See took out 2 biz and 2 personal in Feb/Mar, with one biz and one personal with Chase this year and no Chase in the prior 24 months. . 4 non-chase biz card approvals in 2022, no personal applications.