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My stack of cards is getting a bit silly but as a big time 91+ day card churner who tries not to cancel cards if I can be persuaded to keep them, they do tend to build up a bit. I have my current credit score and chart up and where my number is after my last churn!
Now on to why, what & results of this latest churn. Everyone should have their own goals when they churn cards. My goals should not be your goals. I have so many points right now that I am having a hard time spending them and while having millions of points sounds great, with all the devaluations of points going on, this is NOT smart. So I am trying to burn as much as I can at a good redemption rate.
Clearly I am all about Delta. Delta Points, Delta status, Delta Delta Delta! In that regard, one of my current goals is getting cards that will let me get to mileage run start cites, that is, to be able to reposition AND to earn Delta RDM’s & MQM’s for the reposition flights, but at the same time not pay or pay full price for these (I am up to 60,000 FlexPerks points now for just this reason). Another goal is to go for cards I have not had as I have almost ALL of them! I also wanted to avoid AMEX and CHASE this round as I have way too many of their cards for right now. So goal two was avoid these two banks and that’s hard since most of the best deals are from them. I also am working on HUGE spend totals on my personal and business AMEX Reserve cards for this year trying to get to $90,000 total; so I just can not do any cards that require say $5000 in spend to get the points this round. Last goal was experimentation and testing. This should NOT be a goal for you (unless you too run a blog).
So there is the background. As mentioned, I only got ONE approval instantly. The other 3 cards I had to call each bank’s reconsideration / application status line and talk to a person to see about approvals. I never, ever wait. I apply on a weekday and then call the next weekday to find out what is up. I want approvals as fast as I can get them. I have no fear in calling as all my info is correct and in front of me. I recommend you do the same. If something is wrong on the app you can fix it right away and get the card on the way to you. I have all the phone numbers you need at the bottom of the Best Points Cards tab. So what cards did I get:
- Card one was Citi Business AA 30,000 point card. I have almost 200k AA now and 140k USAIR so another 30k works and the key on this one is just $1000 spend to get the points. There is a 50,000 point business VISA link out in the wild, but I don’t have $5000 in spend to get that one!
- Card two was the Barclays 20,000 point Barclaycard Arrival World Mastercard. For 18,000 points (after 10% point credit back) I will get $200 off a Delta ticket to fly to a reposition city and I only have to spend $1000 to get the points. I will earn RDM’s & MQM’s on the flight I would otherwise have to spend Skymiles to get done. I currently have 2 US Air cards so I had to have them close the one, move the $6000 in credit from that old card, and was approved for a new card with $10,000 credit. Plus, I have never used TripIT Pro and readers are saying it is great. I get it free for a year. OK that works.
- Card three was the 25,000 Bank of American Alaska Airlines card (not my link btw) and the points are after approval so ZERO spend but I will spend something on the card. I have several BofA cards right now. One of my oldest is an NCL card (hate to admit that, but I got it a LONG time ago). I got an Alaska card when they had the 35k offer but that one has not been out for a while now so this one worked. I had them move $10,000 in credit line from my NCL that I will never ever use to approve this new Alaska card. But, approved also!
- Card four was a Capital One Venture One card via their card finder tool. This is by no means a great bonus. I like and have the standard Venture card and do use it now and then but this one was a test for me and not an AMEX or CHASE card; the funny thing is it was the only one with instant approval. I will get $100 after spending just $1000 to apply to a Delta repositioning flight to earn RDM’s & MQM’s. I would like to see Capital One bump these bonus deal up to 20-40,000 points to make them a good value card to apply for.
So there is my latest churn and results. I am still 100% approvals for ALL MY CARDS I have ever applied for. Some of the fun things the reps said along the way during the status calls were ( again did not say was just thinking this – CLEAR):
“Why have you requested so much credit over the past year”
Cuz I want all the points you are willing to give me!
“You have done an excellent job managing your credit”
Y-Yes I have to earn millions of points and 1st class travel!
“Allow me to put you on a brief hold while I conduct a review of your credit”
Oh would I love to see them notice just how many cards I have open
Happy churning weekend everyone and hope to see you on a Delta flight soon!
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