CLEveland to LAx – October 2017 for 2 People

CLE-to-LAX-FREE
A friend from Shaker Heights wanted to treat her BFF to a trip to LA.  The time frame was ideally mid October, and they'd be flying out of CLEveland (Hopkins). She is new to Churning, so the planning for this trip went as follows for simplicity: Find Flights - Cheapest with Points without being 8.5+ hours Find the card(s) that are offering bonuses now that line up with ...
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Credit Card Application Rules to Be Aware Of

Amex, Chase, and Citi Application Rules to Know As we discussed in the Chase 5/24 Post, Chase doesn't take too kindly to folks opening up a lot of NON-Business Cards in the lats 2 years... However they aren't the only ones to frown upon this hobby.  While they have the strictest of the 'rules' to limit Credit Card Churning, their competitors implement similar tactics that you ...
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The Infamous Chase 5/24 Rule

In the 'Free Travel' Game, Chase is regarded as the Best Card Issuer out there, as they have a bulk of the market share and tie ins with many hotels and airlines, PLUS a few amazing cards that earn 'Ultimate Rewards' Points. Unfortunately - Chase does not take too kindly to our gaming the system and winning Free Trips on their behalf.  They have to balance their love of mone...
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An Easy Way to Top Off & Earn More Marriott Points

You might find yourself in a situation like me, where you have 2,800 seemingly worthless Marriott Points.  You perhaps did $2,800 worth of spending on the ol' Marriott Card you recently canceled to get those.... But you can't redeem them for nights, magazines, OR anything fun.  Sure you can transfer them to SPG (at 3:1)  BUT, they only allow you to transfer in 1,000 point incre...
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A Quick Way to Top off your American Airlines Points

If you find yourself in a situation where you have say 12,100 American Airlines Points, and want to buy a one-way ticket for 12,500... You might be able to just 'use your AA CitiAdvantage Card to buy $400 worth of stuff'.  But what if you've recently canceled your card?  Fear Not.  You can make a donation to various Charities that pay out 10x AA points per dollar... The points ...
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Direct Links for Airline Rewards Programs

A quick and dirty resource for finding Award Availability in the most popular airlines: American Airlines All Nippon Airlines - Very Convoluted United Airlines SouthWest   Award Room Availability for Hotels Coming Soon Hyatt award chart - Hyatt shows you the price, and has a check box for ' Show World of Hyatt Points & Awards  ' for easy access to ...
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Using Vanilla Gift Cards & Money Orders to Meet Minimum Spends

In 2016, a lot of the old fashioned 'easy' methods for MS are no longer viable.  However, there is still one tried and true method that only involves a little more work.  This option involves using your new CC to buy Visa Gift Cards, and then using the VGCs to buy Money Orders, which themselves can be used as fungible cash or deposited back into your account. The process is ...
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Useful Traveling Resources – Air and Hotel Redemption Guides

Links to Rewards Maps, Planning Tools, Points Calculators So you've got points and want to spend them.  OR you want to play a trip and get the best value from the cards you'll be signing up for.  Here's a great place to find how many points it takes to reserve a flight or hotel in various programs. We'll get Hotels out of the way first. For Hotels, Award-O-Matic.com has the ...
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Credit Score Details – Churning FAQ

Most people immediately think opening 5 credit cards in a year as damning to your Credit Score.  The irony is is the opposite is often true. Credit scores are calculated by looking at the data found in a credit report. This includes the following: Payment history Length of credit history Credit utilization (total available credit / credit used) Types of credit used (revol...
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Last Minute Deals and Other Churning News

Sometimes an Offer 'Too Good to Be True' Might not be around for too long.  If that's the case you have to strike while the iron is hot.  Here you can find a list of Last Minute Opportunities and Current Deals that may be Expiring Soon , as well as news relevant to 'Churning.' June 2017 There's an unprecedented BEST OFFER for the SouthWest Family of cards going on just this m...
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