How Much Do You Churn?
Aug 18, 2007, 3:44 pm
#31
Join Date: Mar 2007
Programs: DL Plat, AA Plat, HH Diamond, Marriott Gold, SPG Gold, AMEX Plat, Merrill+, Citi AMEX Chairman
Posts: 463
Does the churning still work? Does it work for AA cards or others as well. Basically you close the card after you get the bonuses and apply for another online? I probably would not do this every month but never thought I could have more than one AA card (I have the AA gold card). Trying to get another 200K AA miles ASAP so I can get to 2 million lifetime for lifetime Plat.
Thanks
Rob
Thanks
Rob
If you apply...only do 2 personal cards within 60 days. I am not sure about the business cards.
Aug 19, 2007, 8:16 am
#33
FlyerTalk Evangelist
Join Date: May 2002
Location: NYC, USA
Programs: AA EXP 3MM, Lifetime Platinum, Marriott Titanium, HH Gold
Posts: 10,967
Aug 19, 2007, 11:53 am
#34
Join Date: Apr 2002
Posts: 2,928
That is now correct. You can NOT apply for two different M/C's within the same 60 days. As I previously mentioned, I had a World Card and applied for a Gold card, but receieved the 60 day letter in the mail. Previously, this was not the case. I was however, able to apply for their AmEx AA card within 60 days of the last World M/C.
Aug 19, 2007, 8:33 pm
#35
Join Date: Apr 2007
Location: Gulf Coast
Programs: Amex Gold, Bonvoy Gold, HH Diamond,
Posts: 241
After reading these posts, I take it that I can maybe churn some? I pulled all 3 of my credit scores...the lowest of the 3 is still above 750. I have no debt on my credit report and don't carry a large balance on my cards if any at all. I rent and have no car payment.
I did notice when I applied for the SPG Amex, my scores dropped some...the worst was about an 11 point drop I guess. I then applied for a 2nd Priority Club Visa to get bonus points, and I am about to upgrade my Amex Gold to Platinum.
Will all this activity crash my scores? I don't plan on buying a house or new car soon, so I'm not worried about the excessive accounts. I hold 8 cards now...all VS, MC, and AMEX--no store cards.
I did notice when I applied for the SPG Amex, my scores dropped some...the worst was about an 11 point drop I guess. I then applied for a 2nd Priority Club Visa to get bonus points, and I am about to upgrade my Amex Gold to Platinum.
Will all this activity crash my scores? I don't plan on buying a house or new car soon, so I'm not worried about the excessive accounts. I hold 8 cards now...all VS, MC, and AMEX--no store cards.
Aug 20, 2007, 4:00 am
#36
Original Member
Join Date: May 1998
Location: Tampa, FL
Programs: AAMM & PLT; UA Gold, DL Silver, Marriott LT Titanium Elite, Hilton Diamond, Hertz #1 Gold Club
Posts: 1,591
FWIW the AA Amex gives you 30k in the first year after spending minimums and an additional 10k in the second year after spending minimum.
Aug 20, 2007, 11:42 am
#37
Join Date: Sep 2005
Location: Modesto, CA (90 miles from any real airport)
Programs: SPG Plat (3.2MM LT), Hilton Gold, AA LT Plat (3.2MM), Hertz 5*, US Mint MVP
Posts: 638
My wife and I each have 3 AACiiti cards, for a total of 6 in our household. Tried to get anouther card each and we were both denied due to the fact we reached "The maximum allowed by Citi" for this card. Sent in 6 individual letters requesting hte accounts be closed so we can do it again, and again and again. I thought we only had 2 out each, but I was wrong. Dont try to cancel over the phone as they make it nearly impossible to do. Last time I was really forceful and the guy offered my $50 credit to my account. I took the deal and sent in a letter to cancel as he said I didnt have to wait to cancel after he gave me the $50!.
Jim
Jim
Mar 19, 2009, 3:16 pm
#38
Join Date: Dec 2007
Location: PDX
Programs: AA,DL,BA,UA,SPG, and any other free trip!
Posts: 1,803
Mar 19, 2009, 3:39 pm
#39
Join Date: Mar 2007
Posts: 343
Mar 20, 2009, 8:20 pm
#40
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,065
See a list of most cr. card offers at this site: http://www.freefrequentflyermiles.com/index.htm Click on "credit cards".
Mar 27, 2009, 10:02 am
#41
Join Date: Sep 2005
Location: New England
Programs: AA Exec Plat, Hyatt Globalist, Jetblue Mosaic (past)
Posts: 298
How do you avoid the annoying $79 annual fee with the US Airways personal and biz cards? Also what is the max rate you can apply for them? E.g. Citi is personal cards every 60 days. What is the equivalent for Juniper/Barclays?
Thanks!
Thanks!
Juniper, now Barclays, has cards that earn bonus miles with US Airways. B of A has cards that earn Alaska miles. See Alaska's website.
See a list of most cr. card offers at this site: http://www.freefrequentflyermiles.com/index.htm Click on "credit cards".
See a list of most cr. card offers at this site: http://www.freefrequentflyermiles.com/index.htm Click on "credit cards".
