Since 2010, I have opened 27 credit card accounts, which have earned me more than 1.5 million points/miles, all while growing my credit score from 710 to 758.
In 2010, I began signing up for credit cards methodically and repeatedly to reap sign-up bonuses, a technique also known as “credit card churning.” In the process, I have not only maintained my credit score—I have increased it significantly. With organization and discipline, you can do the same.
Credit scores are complicated and shrouded in secrecy. People are confused about what makes their scores rise and fall, and they are rightfully scared to churn credit cards without proper knowledge. With the right information, you can also churn credit cards while increasing your credit score. But it is not a one-size-fits-all solution, and churning can be detrimental to some people’s credit and financial situations. This guide will help you decide whether it is right for you.
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