The Pros and Cons of Credit Card Churning

Credit card churning is the practice of repeatedly opening and closing cards to earn sign-up bonuses.

Impact on Credit Score

Every application is a 'hard pull' on your credit. Many cards in a short time can lower your score.

The Effort vs. Reward

Tracking dozens of cards, bonus requirements, and annual fees is a significant time commitment.

Rule for Mortgages

Never churn credit cards within 12-24 months of applying for a mortgage or major loan.