Credit Card Churning: What is it and Should You be Doing it

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The term credit card churning is relatively new, but the process has been around for years. So, what is credit card churning? It’s the practice of repeatedly opening and closing a credit card to earn its signup bonus over and over. Churners amass tons of reward points or airline miles from credit cards that they have no intention of continuing to use or even keep open. You’ve probably seen ads or even received offers in your email or mailbox from credit cards that offer valuable points, miles, or cash back to new account holders. Most also require you to charge a certain amount of money to the card within a certain period in order to receive the new card bonus.

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Credit cards – can you have too many?

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If your mailbox looks anything like mine, you probably get a few different credit card offers each week. Some boast a 0% APR, some have a rewards program, and others offer 0% balance transfers. But how do you know what credit card is best, and is there such a thing as having too many cards? Continue reading “Credit cards – can you have too many?”