@AverageJoesCredit wrote:
Gregory1776, good example of churning can be found in a recent post about cards in ones collection and from first to last. When you see the one profile, youll understand a churner
I know the thread you're talking about, but I'm not sure to which post you're referring. I see some bonus chasing activity there, but not churning.
My understanding of churning is that the churner must get the exact same card multiple times to get multiple bonuses. If you're not repeating bonuses, you're just a bonus chaser.
All churners are bonus chasers, but not all bonus chasers are churners.
@wasCB14 wrote:
@AverageJoesCredit wrote:
Gregory1776, good example of churning can be found in a recent post about cards in ones collection and from first to last. When you see the one profile, youll understand a churnerI know the thread you're talking about, but I'm not sure to which post you're referring. I see some bonus chasing activity there, but not churning.
My understanding of churning is that the churner must get the exact same card multiple times to get multiple bonuses. If you're not repeating bonuses, you're just a bonus chaser.
All churners are bonus chasers, but not all bonus chasers are churners.
While technically true, I don't think it's much of a real-world distinction, especially as issuers impose restrictions on collecting the bonus more than once.
To me, the basic concept is "getting a card for the bonus, rather than for any intent to make use of it for its rewards/perks structure", and whether this is the same card or not it has the same pros and cons.
In terms of impact on the CR, there is (hardly) any difference, as they cannot tell whether you got exactly the same card as before or if you got another one from the same issuer. The issuer will know, but that's up to them!
