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-   -   General Churning Guidelines? (https://www.flyertalk.com/forum/credit-card-programs/1281902-general-churning-guidelines.html)

muirhejsff Feb 23, 2012 6:14 pm


Originally Posted by wise2u (Post 18069760)
If too much info is shared and deals start dying then this will become the way to kill the blogs that have no original ideas....which is basically most of them.

It is an interesting question.. I've found the blogs to be very helpful as someone just learning the ropes, but am leveraging them after pouring through 1000s of threads here trying to build a foundation. To me, they're a great place for reference material more than anything. If the blogs become too public do you really think this will cause good opportunities to dry up more quickly? I'm guessing yes.

- John

8mpg Feb 24, 2012 2:23 am


Originally Posted by mnscout (Post 18060282)
Boy, oh, boy! All those pretzels make me chuckle.

Every "dark artist" here who thinks you can just "shush" information in this day and age, I have a few words for you: "THE CAT IS OUT OF THE BAG", and it ain't going back in, either. This secret society thinking is simply laughable to say the least.

Do you really, honestly believe that banks do not know about our little shenanigans? After all the exposure on CNN, WSJ, NYT, not even counting who knows how many bloggers - who the hell does not know about credit card churning? If they wanted to shut it down, they would, and they still might, but not because a few or a few dozens of Flyertalk members decide to share their wisdom with outsiders. Credit card churners will ALWAYS remain a tiny minority - a mere pimple on the face of the faceless population for giants like Citi, Amex, or Chase. You want to know why - think how many of your own friends and relatives have taken on churning after you told them. In my experience the number is ZERO.

So, please don't worry. You can yell about it from the Empire State Building or Oprah Show - that wouldn't change a thing. Most people are lazy, conservative, and most of all scared silly to try unconventional things. As to those who are more adventurous - how many of them, do you think, have the credit needed to go in this game? How many have the cash flow or stamina to play with gift cards in order to meet spending requirements?

Our secret is perfectly safe or it would be if there was really a secret. There is not! Please keep sharing:D

And Dr. Jabadski - great job. Thanks for the list. Helped me a couple times already.

While this thread is specifically about churning guidelines, there are many other secrets not spoke about on the board because it does ruin it. There are ways to manufacturer miles with little/no out of pocket costs. These are the things people will not give out freely as it is something they do not risk lose. These secrets can lose a person 50,000 miles a year or more with a single method.

8mpg Feb 24, 2012 2:25 am


Originally Posted by oldmantravel (Post 18061507)
I think this attitude is a little cavalier.

I've been through this argument several times in various communities. In my view, it boils down to this:
The more people that know, the higher the risk that it'll be fixed quickly.
The US Mint is a good example. Once that method got national attention, it was fixed within weeks and now can't be used.

In my experience, the most prudent approach is to work on a barter type of system. The focus should be on trading information, not giving it away for free. That way you get out of it what you put in. The more research and investigation you do, the more valuable your knowledge becomes and the more you can leverage that knowledge to trade with others.

There will always be folks that want everyone to share information. Sometimes these are beginners who don't have any secrets of their own and are trying to learn. Sometimes it's folks that have a certain ideology about giving back to their community. Sometimes there are folks who haven't thought through the long-term consequences of their actions. Sometimes it's folks that stand to profit from sharing the information i.e. bloggers.

Either way, they are frequently the most vocal ones on the forums and it makes sense to be vocal. If you have very few secrets of your own or you benefit from sharing those secrets then it's in your best interest to try and get everyone else to tell you theirs.

However, it's not in the best interest of the community to widely share information in the long run. If everything was shared quickly and widely then everything would be fixed quickly and no one would be able to gain much benefit.

If, however, you focus on research and trading information then those who put in the time and effort to discover these methods are primarily the ones who benefit from them. This seems to be a much more sustainable model to me.

My two cents.

This is a great mentality and is why I started my own forum. There is a section for only certain people to get in. People who bring ideas to the table. You dont get in freely and take from of everyone else. Much like the book an Ayn Rand "Atlas Shrugged".

AlohaDaveKennedy Feb 24, 2012 3:37 pm

You way underestimate the ability to manufacture miles. 50,000 miles is the take on a slow day. Think millions annually. But you do have to have capital and credit to play the game.

Best tip is manage your credit score - make it look pretty for the banks. Then do the high bonus low spend card signups. After that you have to be crafty.


Originally Posted by 8mpg (Post 18073164)
While this thread is specifically about churning guidelines, there are many other secrets not spoke about on the board because it does ruin it. There are ways to manufacturer miles with little/no out of pocket costs. These are the things people will not give out freely as it is something they do not risk lose. These secrets can lose a person 50,000 miles a year or more with a single method.


8mpg Feb 24, 2012 4:03 pm


Originally Posted by AlohaDaveKennedy (Post 18076646)
You way underestimate the ability to manufacture miles. 50,000 miles is the take on a slow day. Think millions annually. But you do have to have capital and credit to play the game.

Best tip is manage your credit score - make it look pretty for the banks. Then do the high bonus low spend card signups. After that you have to be crafty.

you, my friend, are one crazy person. I completely respect your methodology but like most others here, we dont make that many miles in a year.

AlohaDaveKennedy Feb 24, 2012 4:07 pm

Actually, you need to take barter a step further as the harvesters among us bring in way many more miles than we can use. Some of us do lend-lease, but it would be nice to swap this for that on occasion as the limitless ability to fly free and stay free in hotels does get old. The first 100 countries are exciting, then they start to look alike. Eighty percent of the world just ain't a tourist hotspot and there are no refer magnets for many of the places I have been to lately.:cool:



Originally Posted by 8mpg (Post 18073168)
This is a great mentality and is why I started my own forum. There is a section for only certain people to get in. People who bring ideas to the table. You dont get in freely and take from of everyone else. Much like the book an Ayn Rand "Atlas Shrugged".


8mpg Feb 24, 2012 6:21 pm


Originally Posted by AlohaDaveKennedy (Post 18076771)
Actually, you need to take barter a step further as the harvesters among us bring in way many more miles than we can use. Some of us do lend-lease, but it would be nice to swap this for that on occasion as the limitless ability to fly free and stay free in hotels does get old. The first 100 countries are exciting, then they start to look alike. Eighty percent of the world just ain't a tourist hotspot and there are no refer magnets for many of the places I have been to lately.:cool:

you sir are my new hero.

oldmantravel Feb 25, 2012 8:57 am


Originally Posted by AlohaDaveKennedy (Post 18076771)
Actually, you need to take barter a step further as the harvesters among us bring in way many more miles than we can use. Some of us do lend-lease, but it would be nice to swap this for that on occasion as the limitless ability to fly free and stay free in hotels does get old. The first 100 countries are exciting, then they start to look alike. Eighty percent of the world just ain't a tourist hotspot and there are no refer magnets for many of the places I have been to lately.:cool:

Any suggestions on how to take bartering to the next level?

Also, I'm not sure what you mean by lend-lease and refer magnets. Could you go into more detail on those?

mnscout Feb 25, 2012 11:34 am


Originally Posted by oldmantravel (Post 18079579)
Any suggestions on how to take bartering to the next level?

Also, I'm not sure what you mean by lend-lease and refer magnets. Could you go into more detail on those?

You're missing the point. He could but he won't.:p

mnscout Feb 25, 2012 11:43 am


Originally Posted by AlohaDaveKennedy (Post 18076771)
Actually, you need to take barter a step further as the harvesters among us bring in way many more miles than we can use. Some of us do lend-lease, but it would be nice to swap this for that on occasion as the limitless ability to fly free and stay free in hotels does get old. The first 100 countries are exciting, then they start to look alike. Eighty percent of the world just ain't a tourist hotspot and there are no refer magnets for many of the places I have been to lately.:cool:

Doesn't it suck when all the hard work of "the harvesters" goes to waste, and when the rest of "the heretics" force themselves into hiding even though there is no inquisition looking for them? :p

Please do not mistake my irreverance for lack of respect. I bow to the masters, but keeping most secrets in this day and age gotta be so hard and so freaking lonely... and so unnecessary, too.:D

pierre mclopez Feb 25, 2012 1:16 pm

There's a story about Joe Kennedy and a shoeshine boy. Joe knew when even the shoeshine boy had stock tips, the jig would soon be up. He got out of the stock market just before the crash of '29, preserving his fortune.

I'm enjoying rewards and points, but lately seems a little too good to be true.

8mpg Feb 25, 2012 9:47 pm


Originally Posted by oldmantravel (Post 18079579)
Any suggestions on how to take bartering to the next level?

Also, I'm not sure what you mean by lend-lease and refer magnets. Could you go into more detail on those?

Taking it to the next level requires you to have something useful. Come up with something new and original that can generate miles and you have something useful.

Im assuming he means lend-lease as in sharing points withing a small group. If someone needs AA miles, they can borrow 100k miles from someone else in the group. This requires lots of trust.

muirhejsff Feb 26, 2012 7:55 am


Originally Posted by 8mpg (Post 18076761)
you, my friend, are one crazy person. I completely respect your methodology but like most others here, we dont make that many miles in a year.

It's the plural that killed me... millions. I'm hoping to net 1,000,000 this year if everything goes according to plan, but getting much more than that seems to be out of reach. Even if I had enough capital to put into it!

mnscout Feb 26, 2012 3:08 pm


Originally Posted by muirhejsff (Post 18084206)
It's the plural that killed me... millions. I'm hoping to net 1,000,000 this year if everything goes according to plan, but getting much more than that seems to be out of reach. Even if I had enough capital to put into it!

I gotta admit when I hear millions in plural form as for a single individual annually on a consistent basis, it does bring up a skeptic in me.

However, theoretically speaking, for someone who's new to the game there are more than enough credit cards options with good bonuses in circulation right now that (adequately spaced out) could provide you with a couple million miles and points for the next 2 years. More if you sign up with a spouse. I say theoretically, because it requires a lot of diligence and discipline (and determination, too). Then, you would exhaust your options for a while, but it seems, banks tend to forget your "tresspassings" (LOL) after 2-4 years, so you could theoretically start all over again.

Then, there seem to be a few churnable cards in an old AA sense. Barclay US Airways, Chase Mariott, some annual fee cards like two Hawaiian and the Virgin. Even with the fees, they are still a great deal if you can use the miles or transfer them to Hilton.

Of course, as 8mpg points out, being a trusted member of some sort of a "syndicate" could prove useful as well, since they are able to help each other out. For instance, I could book you on AA using my miles in exchange for you booking me a OWB in Bora Bora using your IHG points. That's the kind of barter that loyalty programs would frown upon, but it's completely doable.

I'm guessing, targeted CC offers could also be put into game. It depends on a particular CC policy, but I once signed up for the AMEX offer that had arrive to my former business tenant with a special code (with his blessing, of course). Another time, I tried something like that with a Citi (I think, but not sure), and it didn't fly. So, I guess, some targeted offers could be trade-able, as well.

Other than that and an occasional Fidelity or Ameritrade transfer, I don't see any way to play the system for a considerable amount of miles and points. Small change like gaming gift cards or Netflix and such, or promos for paid stays and actual flying don't count. I do not doubt there are some secret ways of getting something, but I think whatever it is, it's gotta be more bothersome ventures and much lesser gains - no disrespect to anybody.

opus2002 Mar 15, 2012 7:42 am


Originally Posted by tassojunior (Post 17848543)
Should have kept the 2nd post just in case for a wiki, however:

Chase & AmEx- 2yrs.
Citi- 18 months
BofA- 90 days
Barclays- 90 days

Good for us to continuously update this. Thanks.


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