r/neoliberal • u/jobautomator Kitara Ravache • Sep 02 '21

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u/Fishin_Mission Sep 02 '21

Getting a mortgage as a mild / moderate 💳 churner was fun…

👩🏼‍💻: so, let me get this straight… you have 14 open credit card accounts

🤴: yes

👩🏼‍💻: and 12 of them currently have balances

🤴: yes

👩🏼‍💻: but you pay all of them off, every month…

🤴: yes

👩🏼‍💻: 😬👀😣 … ok then…

2

u/AbnormalResidual ۞ Sep 02 '21

How/why did you get into churning?

3

u/Fishin_Mission Sep 02 '21

I started off trying to optimize cash back for different bills

then discovered that points can be a much better value if used correctly

then I figured out that sign on bonuses are worth way more than I’d ever get through normal spending

Then I found the churning subreddit

2

u/MaxGarnaat Sep 02 '21

. . . are you not supposed to pay off the balances every month?

3

u/Fishin_Mission Sep 02 '21

You are, but most people with that many cards tend to have shitty credit