For you churners out there

[red259]

I'm really interested in travel rewards and I've only been at this for a little over a year. However, looking at the future it seems like I will run out of decent signup offers to apply for within the next two years. Especially given that many lenders seem to be taking the position that if you got the signup offer once you can't get it again. For those who get credit cards for signup offers and have been doing so for more than 2 years have you had difficulty finding new cards to app for? 

[mongstradamus]

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@red259 wrote:

I'm really interested in travel rewards and I've only been at this for a little over a year. However, looking at the future it seems like I will run out of decent signup offers to apply for within the next two years. Especially given that many lenders seem to be taking the position that if you got the signup offer once you can't get it again. For those who get credit cards for signup offers and have been doing so for more than 2 years have you had difficulty finding new cards to app for? 

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I am assuming you have satisfied all personal and business accounts signup offers? I would take an look at some hotel cards , if you haven't already. There are certain cards that are churnable especially business ones. 

[B335is]

Citi AAdvantage and BoA Alaska and to a lesser extent Barclays US Airways are pretty easy to churn. Chase and Amex cards not so much.

[red259]

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@B335is wrote:
Citi AAdvantage and BoA Alaska and to a lesser extent Barclays US Airways are pretty easy to churn. Chase and Amex cards not so much.

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And US Air will go away eventually with the merger. 

[mongstradamus]

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@red259 wrote:

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@B335is wrote:
Citi AAdvantage and BoA Alaska and to a lesser extent Barclays US Airways are pretty easy to churn. Chase and Amex cards not so much.

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And US Air will go away eventually with the merger. 

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arent business cards pretty churnable every 3 months or so ? That should open up some options for you ? Doesn't that also include amex, chase, citi and everything ? Do you need to churn more then every 3 months ?

[B335is]

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@red259 wrote:

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@B335is wrote:
Citi AAdvantage and BoA Alaska and to a lesser extent Barclays US Airways are pretty easy to churn. Chase and Amex cards not so much.

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And US Air will go away eventually with the merger. 

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Its awhile off Barclays will continue handing them out so now is the time to do it. Easy 40k miles. 

And like mentioned, Business cards are another route.  The BoA Alaska card may not have the biggest sign up bonus but the partner rewards are pretty solid. Delta flights are usually redeemable for fewer miles than Skymiles. 

To answer your original question about running out of options; in my case no, there continues to be options available. 

[leegreen]

Another question for the churning population...do you all think an endless stream of closed cc's will get you unwanted attention when app in for a loan later on?

[red259]

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@leegreen wrote:
Another question for the churning population...do you all think an endless stream of closed cc's will get you unwanted attention when app in for a loan later on?

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Don't see why.

[mongstradamus]

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@leegreen wrote:
Another question for the churning population...do you all think an endless stream of closed cc's will get you unwanted attention when app in for a loan later on?

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If you are going to app for loan you shouldn't be applying for anything for two years isn't that the rule ?

[red259]

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@mongstradamus wrote:

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@leegreen wrote:
Another question for the churning population...do you all think an endless stream of closed cc's will get you unwanted attention when app in for a loan later on?

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If you are going to app for loan you shouldn't be applying for anything for two years isn't that the rule ?

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That is the recommendation for mortgages. Dunno if that rule applies to loans as well.