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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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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End of conversation
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Also a lack of knowledge of how the churn is regarded by people who you might have to turn to at some point for long-term credit. Although many churners think they will qualify for a mortgage anyway.
Thanks. Twitter will use this to make your timeline better. UndoUndo
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I've never ventured down that particular path and most likely never will but I can relate to the satisfaction of outsmarting systems which were designed to outsmart you.
Thanks. Twitter will use this to make your timeline better. UndoUndo
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