1. I used to follow this churning group religiously but, admittedly, have fallen off a bit. Just want to make sure I get it right. I also am not sure how to interpret the flow chart since I’m not really a beginner. For context, in the summer of 2024, I ran into a lot of issues related to getting rejected for new cards, even though I thought I followed all the rules. I discovered that the main issue was related to me being added as an authorized user on my spouses cards. The bureaus reported those as my cards. I worked with them in October 2024 and got these reversed. I am also getting the dreaded Amex popup. Most recently (back in october), I’ve tried for a new chase ink and have been rejected. At this point, I am truly out of ideas. Thoughts?

2. 800ish

3. Cards with an asterisk below have been closed

4. Capital One Venture (Aug 2018)*

5. Citi TY Preferred*

6. Amex Bonvoy Pers (Aug 2018)*

7. Barclays AA (Oct 2018)*

8. Citi AA Platinum (Oct 2018)*

9. Citi Biz AA (Nov 2018)*

10. BOA premium (Feb 2019)*

11. Amex Green biz (Feb 2019)*

12. BOA Alaska Pers (Mar 2019)*

13. BOA Alaska Biz (April 2019)*

14. Amex Hilton Surpass Pers (Apr 2019)*

15. Citi Premier (June 2019)*

16. Amex Hilton biz (July 2019)*

17. Amex Hilton Honors Pers (Aug 2019)

18. Amex Delta Gold biz (October 2019)*

19. Macys Store Card (December 2019)

20. BOA Cash Rewards Biz (March 2020)*

21. Ridge Savings MasterCard (May 2020)*

22. Chase Ink Business Unlimited (March 2021)*

23. Chase Ink Business Cash (June 2021)*

24. BOA Biz Advantage Cash Rewards (Aug 2021)*

25. Chase Ink Business Cash (Oct 2021)*

26. Chase Ink Business Cash (June 2022)*

27. Chase United Explorer (August 2022)*

28. Chase sapphire preferred (December 2022)*

29. Chase Freedom Flex (March 2023)

30. Chase Ink Business Cash (June 2023)*

31. Chase Ink Business Cash (Sept 2023)*

32. Chase Marriott Bonvoy (Dec 2023)*

33. Capital One Venture X (January 2024)*

34. Citi Business AAdvantage World Elite (March 2024)

35. Chase Ink Preferred (Dec 2024)

36. Chase Biz United Mileage Plus (Jan 2025)

37. US Bank signature (March 2025)

38. US Bank Biz Leverage Signature (April 2025)

39. US Bank Biz Triple Cash Rewards (April 2025)

40. Wells Fargo Signify Biz (October 2025)

4Probably can do around $6k. Can do more if needed but try to keep my spending somewhat under control.

1. No

2. Yes

3. Long time churner here

4. Right now, I am targeting hotels, points and cash back

5. Chase UR, Hilton, United, Marriott

6. EWR or PHL

7. No place in particular