r*******i
发帖数: 1634 | 1 可以跳，也有人在等75k，但是who knows when it will come out. 套用一句话A bird
in the hand is worth two in the bush。 另外早跳对一年后再churn也有帮助 |
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r*******i
发帖数: 1634 | 2 有年费的卡基本都可以关了。最多留个sap/spg for air ticket/hotel. 另外可以搞个
citi dividend (5% rotating categories). 现在还有2BM 80K AA card 可以churn.
其他的除了biz卡，目前没有太好的卡可以申了。 |
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r*******i
发帖数: 1634 | 3 有年费的卡基本都可以关了。最多留个sap/spg for air ticket/hotel. 另外可以搞个
citi dividend (5% rotating categories). 现在还有2BM 80K AA card 可以churn.
其他的除了biz卡，目前没有太好的卡可以申了。 |
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e***z
发帖数: 7126 | 4 Chase 多久可以churn 一圈？
★ 发自iPhone App: ChineseWeb 7.8 |
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s**n
发帖数: 425 | 5 看看能不能赚个包子.
1.申请新卡降低信用分不光是hard pull。开新卡也会降低平均account age，这个可能
影响分更多。如果你每天refresh信用分，你会发现刚申完卡信用分只降一点点，等新
卡第一个statement post之后分数降更多。对策是尽量不要关你的老卡。churn的时候
优先申请你会保留的卡。
2.freeze。如果大多数银行在你的州都pull一个bureau。比如说Amex，Citi和Chase在
我的州都pull Experian。你可以把你的某个credit report freeze起来。你申请的时
候就application就不会通过，然后你可以打电话过去让rep pull其他家的report。这
样可以把credit pull分散。注意Citi和Amex不会同意pull其他家的report。但是Chase
，BOA会。有的州freeze report要交几块钱。
3. Bump.Equifax和TU的hard credit pull可以用soft pull ＂bump＂ 掉。道理是他们
的credit file只能储存６０／９０多个inquir... 阅读全帖 |
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m*****a
发帖数: 2609 | 6 this is called credit card churning. According to what I read. The Chase
bonus is life-time, namely even if you are approved for a second card, you
won't get bonus again. However, I have seen some posts in SD mentioning they
've gotten bonuses from the SAME Chase product (e.g. British Airline card)
more than once by waiting for one or two years. So you can bet your own luck
(and update us once you figure out). Remember even even they did get the
bonus more than once, it might have been true then... 阅读全帖 |
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m*****a
发帖数: 2609 | 7 this is called credit card churning. According to what I read. The Chase
bonus is life-time, namely even if you are approved for a second card, you
won't get bonus again. However, I have seen some posts in SD mentioning they
've gotten bonuses from the SAME Chase product (e.g. British Airline card)
more than once by waiting for one or two years. So you can bet your own luck
(and update us once you figure out). Remember even even they did get the
bonus more than once, it might have been true then... 阅读全帖 |
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t**b
发帖数: 520 | 9 请问高手，thank you premier能不能churn？ |
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u****r
发帖数: 2053 | 10 在版上待了也有段时间了，总结下amex卡片的好处，对不太了解的新手，高手轻拍。
1.门槛相对低，instant approved的概率蛮大，以我为例，第一张卡citi持有半年之后
申请SPG，3Wbonus的，秒过。而且大多可以转卡，很多program可以churn，every
12months可以重新拿bonus。
2.extend warranty，对大部分电子产品，可以延保一年，具体实不实用还没有亲身经
历，不过我一般买电器都用amex的卡。
3.租车提供CDW,$24.95 per rental period（似乎可以upto 40days）,如果你有自己的
liability，可以decline一些额外的保险，特别对于U25的driver，保险还是很可观的
。自己搜索下，对应的卡片要先注册，enroll，以后自动租车之后会charge。
4. 可以比较容易的申请credit line increase，up to 3x, every 60 days.这个也是
我想强调的个人觉得很重要的一点。美国信用很重要，当然第一步是首先建议credit
file，这点不讨论，我来说说为啥a... 阅读全帖 |
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f****y
发帖数: 2196 | 11 谢总结. 问一下第一条, churn period12个月是指开卡之后的12个月还是关卡? |
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l********7
发帖数: 1077 | 13 7月来美，两张往返回中美机票，4-6张美国来回机票，还有至少10天的酒店
好多钱要花。。。
我在美国的信用记录2年5个月，信用记录良好，每个月full payment
有一张freedom,两张垃圾（dividend, blue cash)
我的初步想法是申请sapphire preferred，估计加上我freedom里面的10000点，UA账户
里的5000点，或许能凑个张年底回国往返机票。当然啦，这只是我的wishful thinking
或者申请张FIA amex，全部变现何如
我申请的计划是长期持有，没有那个精力去churn
如果长期拥有sapphire，freedom+蓝宝石一起赚点，拿来换ua点数，平均下来能超过2%
的收益+89块年费么
大家还有什么其他推荐的？ |
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m*****a
发帖数: 2609 | 14 刚看到了，感觉有些信息，forward一下：
长话短说：
1. you can get only ONE card – either personal or business – per day. It
doesn’t matter if you apply for a business card or a personal card. Or if
you apply for different co-branded cards (say, 1 Hilton and 1 American
Airlines card).
Solution: you can apply for a second card a few days after your first card
application
2. (not new) Citi will only approve 2 personal cards within a 65 day period,
and 1 business card every 95 days
3. (Churning opportunities) there are... 阅读全帖 |
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g********x
发帖数: 4671 | 15 好文章
不过你这么集中申请的话花钱压力会比较大吧 |
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s**n
发帖数: 425 | 16 Vanilla reload, PayPal and AP are all I need. I will be extra careful with
biz cards through. Will not make CVS pUrchase using biz cards.0 |
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e***z
发帖数: 7126 | 24 请问巴克利每半年之能申请一个卡么？谢谢
and
experian
the |
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s**n
发帖数: 425 | 25 I think you will need to wait for 6 months. But there will always be
exceptions. YMMV. |
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L***H
发帖数: 117 | 27 Man, you are the Lu Ban. I won't play axe in front of you. Why are you
asking for suggestions? Should be the other way around.
and
experian
the |
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s**n
发帖数: 425 | 30 Amex Platinum is a charge card. Some banks do not count it as a new account.
Therefore you had 2 new accounts in the last 6 months and got instant
approval.
This is in line with My LD's experience. She had 6 cards in Jan including a
Amex Plat and a Amex Biz Gold, both charge cards. US bank says they saw 4
new accounts.
It sounds like:
<= 2 new accounts = instant if you have good credit
3 new accounts = you have a chance if recon
>= 4 new accounts = decline
If you do a round of churn every 3 mont... 阅读全帖 |
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h*c
发帖数: 147 | 31 哎呀完善之后还是好复杂……所以我要是想take advantage of primer的话，就要先把
TYP都combine一起对吧……那combine需要指定把其它卡的点数“加”在某张卡的账户
上吗？
PS. primer也是18个月就可以churn么……
谢谢firewoods解释得这么清楚！感谢！
日。 |
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t******g
发帖数: 937 | 32 flyer上的讨论帖：
http://www.flyertalk.com/forum/milesbuzz/1463793-barclays-usa-l
申请的直接链接我就不贴了 省得等会儿又有人说我贴有referral id的链接
Key points:
1.Earn 20,000 award miles after your first purchase2
2.Earn an additional 30,000 award miles after spending $5,000 or more in
purchases in the first 90 days of opening your account
3.$79 Annual Fee
As always, be aware of DOWNGRADING TO LOWER VERSION by Barclay!!
---------------
拾遗：
不免第一年年费；
这是一张MC卡；
印象里Barclay的卡是churnable的，这张卡是否可以churn待检验；
flyer上面目前讨论出来最划算的兑换方法好像还是换UA d... 阅读全帖 |
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s***n
发帖数: 9499 | 36 以前的Citi是如果同时申请两张personal card，inquiries会合并，如果是一张
personal一张business，则inquiries不合并，这个叫two browser trick，那么请问其
它银行是什么情况？
同时申请US Bank两张卡，比如一个personal Carlson，一个business Carlson，会合
并成一个inquiry么？
同样的同时申请Chase两张卡，比如一个personal priority club，一个business
inkplus，两个inquiries 会合并么? 如果不申请business而是申请两张personal，情
况会不同么？
多谢！ |
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h****s
发帖数: 16779 | 37 除了citi，和偶尔的Amex，别的都不会合并，申请几个卡就是几个hard。
PS：Amex，chase有时候会申请一个卡pull两个hard。 |
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y*u
发帖数: 57 | 38 嗯。。。我觉得也是。。。那前人们收到financial review也是这个原因吗？还是因为
churn？ |
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s**n
发帖数: 1127 | 39 chase可以claim不同的biz，就可以multiple的churn。 |
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c**2
发帖数: 8496 | 40 Fidelity算旧账
Before 2012, it seems people churning and recycling $100K and had gotten
several 50K miles (you were given 50K Delta and 50K United miles), and
Fidelity 算旧账 now.
For Those who deposited in last December or Jan 2013, now 6 months have
passed, have anyone withdrawn and miles still safe(or been taken back)?
I sold all stocks last month but only earned a few thousand $$ (I was too
conservative, considering index gained about 10% in past 4 months), and it's
too high to buy now anyway (t... 阅读全帖 |
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c**2
发帖数: 8496 | 41 if your last registration/getting mileage is over 12 months ago, yes. 还和
去年一样吗？ no more churning or quick withdrawal now.
has Anyone who deposited over 6 months ago to get miles withdraw your funds
yet? Any consequence? |
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a*********0
发帖数: 4998 | 43 yep
fidelity got hurt pretty bad during last year's CHURN effect :-)
then they updated the system using this kind of "math"
from the day you trigger ur bonus with like 25k, your whole fidelity
accounts
can not have anything deducted (u can add then withdraw)
even I wrote a couple of checks using the mySmartCash... Gee.
the brokage stays 25k, still bad, luckily fidelity is nice enough to
recognize their stupid fault, the supervisor gave me the miles after I threw
in some more cash
60K |
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a****h
发帖数: 1012 | 44 SPG是AMEX的卡，貌似还可以churn的。。。到一年就关，果断跳，有什么好犹豫的。。
。 |
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a****h
发帖数: 1012 | 45
churn用在搞信用卡上，意思大概是可以反复的关卡，开卡，然后赚取bonus的意思。。
。 |
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m*****a
发帖数: 2609 | 46 If signup bonus is what you are interested on most, then you shall turn to
those airline cc (UA, AA, etc.) or Ink.
If long term holding without impact your credit score is what you are
interested on, then you shall hold FIA for ever.
If you just want some cc churning, yeh, SPG can be an option but I argue you
have better options such as citi AA, AMEX Gold/Platinum, Barclay US Airways
...
Anyway, FIA at least have a feature that no card can beat (no annual feel).
SPG's uniqueness is its flexibili... 阅读全帖 |
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t******g
发帖数: 937 | 47 赞楼主的分享精神。
我也放个料：citi最近开闸放量送AA里程，50k的卡可以反复churn，三个月200k不成问
题。老鸟都应该知道哪里找链接，新手就别来问链接了，不然很快就被搞死了。大家懂
得，呵呵。 |
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a****h
发帖数: 1012 | 48
visa那个，经验是只有那个特定的连接可以不断churn，而且不管你之前有没有过，有
过哪种AA的卡。。。但是citi对于总的申卡限制的rule还是一样的，一周之内不超过一
张，65天之内不超过两张。。。
So，应该是可以的，只要你遵守总的citi批卡rule。。 |
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a****h
发帖数: 1012 | 49
在那个链接没有死掉之前，是这样的。。。原话是 'churn repeatly'... |
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