Credit Cards

Chase Credit Card Application Rules

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If you’ve been keeping up with my posts, then you’ll see that I talk about a lot of different credit cards. Personally, I have 16 cards open right now and although that seems like too many to most people, I know many others that have at least double that. To get into the realm of having more than 10 credit cards, it is important to have a good understanding of the rules that banks follow when looking at credit card applications. My plan is to focus on the 3 banks that I have been hitting the hardest lately, but I will […]

Credit Cards

Which Credit Card Should I Get?

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“What Credit Card Should I get?”, “How do you get so many points?”, “Can you teach me senpai?”, these and many other questions are brought up to me all the time. Right now, I am going to tackle the biggest one by letting you know where to start in the credit card game. The first credit card that you get to start churning for miles is of utmost importance because it will define your ideal path of progress. As almost every Churner out there, I recommend starting with Chase and hitting it hard. The reason I recommend starting with Chase is […]

Credit Cards

Credit Card Annual Fees and How to Beat Them

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Hi everyone! Thanks for following along with me so far. Today I’m going to show you how cards with high annual fees can actually let you profit from owning them, even with that huge fee! Most people are disgusted when they hear the word “Annual Fee” associated with a credit card. No one wants to pay extra money just to use or own a credit card, but this train of thought will end up causing you to miss out on some amazing benefits. To show you an example of how much value you can get from cards with annual fees, I am […]

Credit Cards

Credit Cards: Dispelling the Myths

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There are many misconceptions about Credit Cards out there and before getting involved in churning them, it is important to understand the truth. Check out the list below for 5 myths and preconceptions that I hear all the time about credit cards. 1) Getting multiple credit cards will hurt my credit score. Your score will definitely take a little ding from applying for a new credit card. This drop is due to a new hard pull on your account. A new HP can take around 10 points off of your score but these are temporary reductions and it typically takes […]