I am not asking for any formulas; nor have I ever asked for any. I merely wanted to ask a few questions that would enable me and other FTers fine-tune our churning. I am not stupid; obviously there are some questions that can be answered and there are some that cannot. The purpose of this thread is to understand and answer the former and perhaps identify the latter.

It baffles me that people are attacking me for doing this. I receive comments such as: "You just don't get it, do you?" If the "it" refers to understanding all credit card/banking, and economic knowledge in the universe, then no I do not get it. And if you would read the things I have written I am not trying to understand it all. But, what is the problem with identifying the issues that we can fine-tune e.g. understanding a bit more about this 30-day rule, or whether issuers will give out multiple bonuses etc.

Because you're not "giving" to the FT community, you're trying to "take" while adding no substantial benefit to other FTers, which is what this website is about. Stop asking for a free ride, it's not helpful to your objectives.

I don't think there is anything wrong with trying to figure out what you can get away with. The only problem trying to figure it out is that you will most likely ruin your credit doing so. If your score drops many issuers will raise your APR based on that alone. You don't even have to be past due to get a default apr in some cases. So if you don't carry a balance, don't have any desires to get a mortgage or finance a car in the next 3 to 5 years. Then hack away at it. You ultimately have to ask yourself is the miles worth the cost of the damage to the report? That can also affect jobs and insurance premiums. Only you know the answer to this and no you can't fine tune IMHO. You can only look at what others have done and trial and error. But be warned, it can be hazardous to your score and ergo every thing else. If your score is not 800+, the game is not for you. YMMV

Post #17 tells me that you cannot do this.

Are you honestly telling me that I cannot ask questions on this website because I am a relatively new member? This is absurd. I am not taking from anybody. I would be happy to share any knowledge that I have with anyone on here.

I would say that this thread would be quite beneficial to FTers if people weren't constantly posting nasty remarks and jabs.

So, please clarify: I cannot ask questions until I have "given"? So what exactly should I give (and how much of it) before I am allowed to ask questions without being attacked?

and what exactly have you "given" to this thread other than your dispariging remarks?

Re-read post #23

Re-Read post #1



Tell me, what exactly is the point of a credit card forum if we are censoring each other from talking about credit cards?

post #1 re-read. I thought post #6 answered it. So why all the getting upset?

Oh, and to add someting else for you, BofA and Chase are different in more then name only, so take care with them.

Well, lets see; maybe because certain members are telling me that I have no right to speak here!

Maybe because certain members are making negative personal statements about me!


No way? Surely you jest

Of course they are different. Hence the purpose of a thread such as this. A place to talk about such things. Wonderful idea eh? Why don't you follow your own suggestion and start giving, and maybe stop taking away from the focus of this thread.

No it did not; please re-read the entirety of this thread (of course ignoring all of your posts).

There was a discussion as to whether it is 30 days or 60 days. We were trying to talk about the 60 days statement, before certain people decided to try and shut all rational discussion in this thread down.

I for one have learned a great deal from "Dudemon" but nothing from "travelwave".

Well, maybe because I am asking the question. That is probably why I don't have the answers.

Could you please share what you have learned from Dudemon? Are you talking about a PM she/he sent to you. In the spirit of learning, would you or Dudemon be willing to share the info if it is relevant to the thread?

As far as Dudemon's contributions to this thread, if you are talking about that, maybe you could point me to the right one in case I overlooked it?

In post #23 she/he adivises readers to do a search and stop asking questions

In post #32 she/he tells 'Travelwave' to stop asking questions because she/he is not "giving" to the FT community

In post #37 she/he advises readers to read post #23

In post #39 she/he advises readers that Bank of America and Chase are different.

Thats all I can find sorry. Is the "great deal" that you learnt referring to post #39?


I really quite shocked at the hosility shown by a few of the members of this forum because I simply asked a question without being a long term member of FT.

So what has drbond, kagehitokori or kaukau contributed? Has anyone learned anything from them? They were the first posters.

Sadly, Travelwave, you still dont get "it". Basically all the questions you asked have been indirectly or directly answered in this thread in one form or the other - if you still dont understand and insist on being spoon-fed, then, you will never be able to learn, or benefited from the FT community.

Hint, do a search of this Forum, you will find Dudemon has contributed a great deal on the subj.

In fact, if you do a search of the subj you are concerned about, not simply the 30day rule you are so obsessed of, you will learn a lot more then being frustrated. You have to use some effort in order to be benefited from the collective wisdom on the FT. But you are still not getting "it".

Finally, even if whatever the 30day rule works, with the majority of people, it may not work on you, simply because of your low score. Re-read drbond's kind posts to you and stop pointing your finger.

Remember, even the Search function not working well all the time, you can still use the Search function, spend time to read the relevant information on the broad subj and learn from there - instead of asking elementary questions and steadfastly refusing to carefully read others advices.