Back in early December, I had had 10 charge cards already and had a feeling my Morgan Stanley 125K app wouldn’t get approved. Sure enough, I was denied due to having too many cards. Eventually in late January, I closed some of my GOLD cards and that freed up a slot. I called up reconsideration […]

I don’t know who coined the term “AMEX Gold Army” but it’s fitting. What is it you may ask? Well, if you have a friendly grocery store that lets you MS the $25K per calendar year on your personal Gold AMEX, then you’ll want to scale up and get as many of those cards as […]

My wife was banned from Capital One due to the household axe caused by me. I don’t think I ever even tried to get her another Cap One card since the axe. Then last year, I got back in with the Spark card and eventually got lucky and got a business rep who then hooked […]

After upgrading a lot of my Plat cards to Golds last year for the upgrade bonus, I’m about to hit that point where I’m going to dowgrade them back to Golds so I can use up the $25K 4X at groceries. With that said, I had posed the question – “Let’s say you’ve charge $24K […]

I feel like I’ve been out of the churning game for a while so getting back into it. I’ve given up on 5/24 so I just hit up the other banks. As of a week ago, I had 12 open charge cards and only 3 credit cards. My last credit card application and approval with […]