Welcome to the Daily Question thread at r/churning !

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Welcome to the daily discussion thread!

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

This is the Weekly Off-Topic thread

​

There's more to this hobby than just credit cards - it spreads out into travel aspirations, what luggage or wallet you're using, or what flavor kombucha your local WeWork is serving. Please use this thread to talk about all things even tangentially related to churning. Memes, jokes, and off-topic content are allowed (and encouraged) here. Please use our regular threads to ask basic questions, ask questions about what card to get, or talk about MS. But if it's off-topic elsewhere, you're on-topic here.

Regular rules still apply.

Have fun!

​

Note: Posting and soliciting referrals are still not allowed.

Welcome to the Daily Question thread at r/churning !

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Welcome to the daily discussion thread!

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

How'd your churning week go? Any super huge highs? Any thank yous you'd like to give /r/churning?

​

- Did you book an awesome Trip?

- Are you excited to share your latest redemption?

- Did you score some unexpected Miles/Points?

​

Trip Reports, Success Stories, Funny Churning Stories. Drinks with the Drunk AmEx Girl. Share them all here!

The bad news.. Due to some unforeseen circumstances beyond our control, we've been forced to postpone the January conference to February (we're eyeballing the 21-23rd). We apologize for the inconvenience and thank you for the understanding. In lieu of the cancellation we will be holding our regular meetup on January 25th. We will post updates about February soon!

-----------------------

The good news!

We will be holding our first Holiday Meetup with a quick detour on the subway! I promise it's more exciting than that last sentence sounds.

RSVP HERE! for the Holiday Meetup (please read the page in its entirety before registering)

RSVP Here! for the January Meetup. (Different Page)

-----------------------

Food and Drink Purchases Required: To help us secure the venue, please make a purchase of food or drinks. This includes alcoholic beverages, mocktails, or 0% ABV options. Your support is essential! If you have an AMEX Gold card, bring it! The venue is a Resy restaurant

Free Entry: While we don't charge for entry to the bar, a small donation at the door is appreciated. The Nostalgia Ride will cost the same as your regular subway fare (normally these rides cost $60+)

After Party: We'll be going for Italian food this month to change things up a bit for the holidays!

Cancel if You Can't Attend: Use the self-cancellation link in your confirmation email if your plans change. Walk-ins and Out-of-Towners Welcome! Please RSVP and don’t forget to bring a friend—it’s free!

P.S.

Join us on Telegram!

We've got a new look and purchased a domain name: PointMeToNY.com !

Welcome to the Daily Question thread at r/churning !

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Welcome to the daily discussion thread!

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

Welcome to MS Weekly at /r/churning!

​

This is the open thread for discussion of all things MS. Methods, ideas, pain points, and everything else about MS is game. As always read the wiki. Be warned: Asking questions in here that show you haven't done a lot of reading on the subject will inevitably be met with a lot of downvotes and some attitude. Be Nice!

​

* Introduction to Manufactured Spending

Welcome to the Daily Question thread at r/churning !

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Welcome to the daily discussion thread!

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

This is your place to vent about the points and miles game.

​

- Did you have a particularly hard time on your MS run this week?

- MS avenue dry up?

- Did you screw up getting a bonus?

​

Let all your frustrations go here in this thread!

Welcome to the Daily Question thread at r/churning !

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Welcome to the daily discussion thread!

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

This is the Weekly Data Points Central thread

​

In this little hobby of ours, we constantly rely on sharing the experiences and data points by others to optimize our award earning process. From how often you can apply for a card or bank account, to how soon a bank pays out the bonus. All the sidebar articles and information in our recurring threads are basically an abstracted version of all the DPs collected by the community at large. If you have an DP about a credit card, like a retention offer or recon experience, please post it here. If you have a DP about a bank bonus, please post it in the newest bank bonus thread (If that link doesn't work for you for whatever reason, either click on the "bank bonus" link in the sidebar or on new reddit, search for "bank bonus weekly" while limiting your search to this subreddit.

Enjoy!

Welcome to the What Card Should I Get Weekly Thread, where we try to figure out what card you should get or critique your current plans or AOR if you're doing it that way). Everything is YMMV and these are all opinions. Agree or disagree with your votes. As always read the wiki, do your research, and happy churning.

Also, check out the Credit Card Recommendation Flowchart before posting in this thread.

1. The flowchart can answer 95% of all "What card should I get?" questions. By continuing to post, you must explain why you feel the flowchart does not answer your question. Asking for feedback ("The flowchart says I should get X - is that still the best choice?") is absolutely allowed.
2. What is your credit score?
3. What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.
4. How much natural spend can you put on a new card(s) in 3 months?
5. Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.
6. Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.
7. How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?
8. Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?
9. What point/miles do you currently have?
10. What is the airport you're flying out of?
11. Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague)

Welcome to the Daily Question thread at r/churning !

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Welcome to the daily discussion thread!

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

Welcome to the Daily Question thread at r/churning !

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Welcome to the daily discussion thread!

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

This is the Weekly Bank Account Bonus Thread. Use it for anything related to bank accounts and bonuses, such as:

​

* Churning mechanisms (DD, etc)

* Data points (did bank X bonus arrive)

* Other bank account discussions/questions

​

Before asking a question, first search:

​

• The search engine
• DoC's Bank Bonus section
• https://bankrewards.io/
• Terms and Conditions of the offer
• What to know about closing bank accounts

​

You can also call the bank with questions, but only if you are precisely following the T&C. Otherwise, don’t call the bank!

​

• Seriously, don’t call the bank!

​

Also: The mod team is aware that there are bank bonuses that either require a referral or have elevated bonuses when using a referral. Examples would be Schwab and Varo. Do not ask for referrals in this thread - if you want/need a referral for one of those accounts, please check the "Miscellaneous Referrals" thread on r/churningreferrals. Posting or soliciting referral links for those accounts will result in being banned from this sub.

​

Please post new bank churning opportunities as top level posts for wider visibility.

As we are heading into a slow week here at r/churning, I thought it might be fun to see how people would approach churning if they made more money. Obviously, based on our demographics surveys, we have a large range of incomes here partaking in a range of churning related activities, so I’d love to know if you currently make X, how much you’d have to make before you’d stop something you already do. To be clear, I’m not asking anybody to divulge your salary or household income. I’d love to hear something like “I currently make X. To stop doing VGC>MO, I’d need to make 1.5X. To stop doing buying groups, I’d need to make 2X. To stop churning all together, I’d need to make 15X” or whatever you think it would take for you to change how you approach this hobby.

Welcome to the Daily Question thread at r/churning !

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Welcome to the daily discussion thread!

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

This is the Weekly Off-Topic thread

​

There's more to this hobby than just credit cards - it spreads out into travel aspirations, what luggage or wallet you're using, or what flavor kombucha your local WeWork is serving. Please use this thread to talk about all things even tangentially related to churning. Memes, jokes, and off-topic content are allowed (and encouraged) here. Please use our regular threads to ask basic questions, ask questions about what card to get, or talk about MS. But if it's off-topic elsewhere, you're on-topic here.

Regular rules still apply.

Have fun!

​

Note: Posting and soliciting referrals are still not allowed.

Welcome to the Daily Question thread at r/churning !

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Welcome to the daily discussion thread!

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

How'd your churning week go? Any super huge highs? Any thank yous you'd like to give /r/churning?

​

- Did you book an awesome Trip?

- Are you excited to share your latest redemption?

- Did you score some unexpected Miles/Points?

​

Trip Reports, Success Stories, Funny Churning Stories. Drinks with the Drunk AmEx Girl. Share them all here!

The bad news.. Due to some unforeseen circumstances beyond our control, we've been forced to postpone the January conference to February (we're eyeballing the 21-23rd). We apologize for the inconvenience and thank you for the understanding. In lieu of the cancellation we will be holding our regular meetup on January 25th. We will post updates about February soon!

-----------------------

The good news!

We will be holding our first Holiday Meetup with a quick detour on the subway! I promise it's more exciting than that last sentence sounds.

RSVP HERE! for the Holiday Meetup (please read the page before registering)

RSVP Here! for the January Meetup. (Different Page)

-----------------------

Food and Drink Purchases Required: To help us secure the venue, please make a purchase of food or drinks. This includes alcoholic beverages, mocktails, or 0% ABV options. Your support is essential! If you have an AMEX Gold card, bring it! The venue is a Resy restaurant

Free Entry: While we don't charge for entry to the bar, a small donation at the door is appreciated. The Nostalgia Ride will cost the same as your regular subway fare (normally these rides cost $60+)

Cancel if You Can't Attend: Use the self-cancellation link in your confirmation email if your plans change. Walk-ins and Out-of-Towners Welcome! Please RSVP and don’t forget to bring a friend—it’s free!

P.S.

Join us on Telegram!

We've got a new look and purchased a domain name: PointMeToNY.com !