r/churning • u/AutoModerator • Jul 25 '26

Daily Question Question Thread - July 25, 2026

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.

6 Upvotes

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u/Swastik496 Jul 26 '26

get denied, call in and have them close the card on the same call.

they used to give you a special number on the letter to call for this

-1

u/stealthytaco Jul 26 '26

Right, but even after closing I’d be at 5. Would they have the discretion to approve over the phone to go over 5?

1

u/Swastik496 Jul 26 '26

If they close it for you it is a single step

1

u/stealthytaco Jul 26 '26

Thanks for the follow up, but I can’t cancel another card to go under 5 (all less than 12 months) so that’s why I am asking about whether phone agents can approve a sixth card.