I saw the hashtag #weaponizeyourcreditscore and nearly lost it.
There is a good subreddit about this, /r/churning. I mention it to you to say that some people have a hobby of exploiting credit card marketing offers.
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Something about the combination of something-for-nothing and the fact that the consumer credit industry is so lucrative in the US that it will pay four figures to write to a DB makes it *very* attractive to people, though. I also think vicarious stick-in-to-The-Man a factor.
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An adjacent subculture, and one which is probably more relevant to your interests, is people who do not aggressively do security research against the credit card industry's marketing offers (and churners *totally* do that) is folks who optimize credit card use.
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The *optimization* part of that goes arbitrarily deep and, much like optimizing your backend performance, should not be the priority for most people who do it. That said, "Get a rewards card and use it for everything you can" is really simple to execute on.
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As always, my musings on finance and the credit card industry may not match that of other players in the credit card industry, including my employer or any of the transient conflicts of interest gained thereby, which is (to a first approximation) "all of them."
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Old days, different banks had different rules, so people would switch between accounts that paid daily and "in by the 10th, get interest for whole month". Do this every month. Usually both banks would close accounts eventually. Also explain to IRS all these transactions.
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