Originally Posted by
ZenFlyer
Anyone reading this thread is a “churner” to a greater or lesser extent, no?
Yes, most likely
. Personally, I've been focusing on churning Amex NLL Biz cards so I have not churned Ink cards at all. I wanted to try and hop on the bandwagon but alas it wasn't meant to be for us to the extent I would have liked. My spouse and I were each approved for a Preferred card in the summer (July/August) when that had the increased bonus after not having signed up for any Chase Ink cards for quite some time (don't recall exactly how long but I think a few years). We both got very generous credit limits on the card. After that, neither one of us were able to get anything more than that even if we said we were agreeable to move credit from another card.
Originally Posted by
ZenFlyer
I agree that it is difficult, if not impossible, to reverse engineer the “secret sauce” recipe. While not an apples-to-oranges comparison, for a datapoint trending in the other direction, I was
recently approved for a second INK card despite having declared $0 business revenue, being at 5/24 in terms of personal apps, 5 other Chase cards, etc. Meanwhile, over at Cap One I had to essentially grovel (and give up a SUB) to get approved for a Savor card with a credit limit of . . . $300. (Yes, that is 2 zeros, not three).
Sounds like my experience with Amex (and to some degree Chase because even if they're not giving me another Ink I do have plenty of their cards both on the personal and Biz side with nice CLs) vs Citi. After being approved for the "nth" Amex Biz card, Citi did me this HUGE favor of approving me for a card with a grand total of $500 - yes, just 2 zeros
. I immediately sock drawered the card and have never used it, that's how insulted I was/am.