- November 28, 2023
- Posted by: legaleseblogger
- Category: Related News
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AI Legalese Decoder: Breaking Down Complex Legal Jargon
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****** just grabbed a
Ya lots of people do it. r/churning
If you’re into traveling, also check r/awardtravel. Those credit card points are worth way way way more being transferred to airlines or hotels than as cash back or statement credit.
Yes itÔÇÖs an entire process called churning and hacking.
The checking and savings I just close.
Cc I will stop using certain ones if others have better rewards or subs. But I have long enough established credit that any that do fall off (maybe 2 in last 8 years) donÔÇÖt hurt my score.
> I have 22 credit cars
The downside to this is that you end up with a much lower than expected average age of credit than your income/spending would otherwise indicate. This can weigh on your credit score/ability to apply successfully for other types of credit you may want more than a sign up bonus, such as a mortgage, auto loan, or HELOC at favorable rates.
But yes people do it. The bonuses come from banks’ marketing budgets, in the hopes that they can entice you into being a long-term customer. Given the spend requirements for bonuses they’ll probably, at a minimum, get close to break even on you. Plus the percent chance that you find yourself overextended at some point and miss a payment, need a cash advance, or personal loan to turn you into a profitable customer. They’re willing to play those odds.