Home > Tag Archives: credit card churning

Tag Archives: credit card churning

Five More Reasons to Become Debt Free

freedom from debt

Everyone knows that paying off debt is a great way to build wealth and ensure that setbacks and emergencies won’t send you into a downward money spiral. For that reason alone, kicking debt to the curb is always a great idea. Since paying of consumer debt a few years ago, I’ve also discovered some new reasons to become debt free. Great Career Opportunities When we were working to pay off our credit cards, there was no way on earth Jim or I could have thought about changing jobs. We were too dependent on our paychecks to seek out or take advantage of other opportunities. In fact, I really didn’t see lots of opportunity other than one foot in front of the other. I’m not sure if they weren’t there or if I didn’t have the flexibility to see them, but I know changing jobs was not an option during that period of life. Now that we don’t have consumer debt, it seems that job offers are pouring from the rafters. Besides my full time offer from the government, Jim was asked to take on a new management position a few weeks ago. While we most likely won’t accept either of ...

Read More »

US Airways Credit Card Review: Two Flights for $90!

Dividend Miles for free flights

Word about our credit card churning adventures has started to get out among some of our close friends. I don’t really talk about it much except on my blog, but Jim has been telling his morning basketball buddies about our free travel. When you first find out about travel hacking, it sounds either like voodoo or something illegal, but when I explain to them how we’ve gotten to take  almost free vacations and how we are about to visit Hawaii in champagne style on a beer budget, they want in. Churning the US Airways Credit Card A big problem for some people want to start churning is the amount of spending you have to do to hit some of the larger bonuses. If you don’t have many big expenses and aren’t interested in manufactured spending or using Bluebird to pay bills, it’s hard to churn for free travel. However, the US Airways credit card from Barclay just made it lots easier to get cheap airfare. With this card, $90 gets you 40,000 Dividend Miles, enough for two domestic flights! What 40,000 Dividend Miles Can Do The US Airways Premier World Mastercard does have an $89 fee that is not waived, but after the ...

Read More »

How Much Time Does Credit Card Churning Take?

Earn free travel

I remember when I first discovered credit card churning. I can’t remember exactly where I read it first. It very well could have been from Holly at Club Thrifty. I used to think it was really bad to close and open new credit cards all the time. I’m not sure how my logic applied because I thought it was perfectly fine to run up a ton of credit card debt, but that’s all in the past now. I have seen the error of my ways and now know that if I can find the right credit cards and use them wisely, our family can travel anywhere we want for very low cost. One question people ask me is how you find out what card works with where you want to go and how much time does it take to be successful at credit card churning. It really all depends on whether your ideal vacation is to Florida or Fiji, but here is a basic run down of thing I do to make the most of my miles and points and how much time I spend doing it. Where Do You Want To Go? For me, the majority of my time ...

Read More »

Do I Have What It Takes To Be a Big Time Credit Card Churner?

Vacations are my absolute favorite way to spend my money. If I had to choose between fabulous clothes every season, a new car, or a vacation every year, I’d pick the vacation hands down. Vacations are even better when you can get them for free or almost free. After getting most of our summer vacation paid for by credit card rewards, I’m pretty opposed to spending money from my own pocket if I can continue to get travel for free, but man, sometimes it takes work to be a big time credit card churner. I’m not sure if I have what it takes. Chase Ink Business Card I recently applied for the Chase Ink Bold charge card for Eyes on the Dollar. This card is for businesses, and I thought I would see if my humble blog could qualify for it’s own card. I refuse to lie and make up a business, although I know lots of people probably do this to get specific reward cards. I’m not entirely sure that the credit card companies mind, but  I am a by the rules girl, so I can’t lie. I did get approved, probably more because of my credit score than ...

Read More »

Credit Cards Are Giving Me a Free Vacation

One spectacular advantage of having no credit card debt is that you can use your credit cards as a tool to earn money and rewards for your family. If done correctly, using credit cards to pay your regular and necessary expenses can net you hundreds of dollars in free money. While you can use free money for anything, we’ve earmarked ours for travel. I’ve learned over the years that many things we purchased during our spending frenzy were not really meaningful. As we’ve changed our habits, I realize that vacations and sharing experiences is a very valuable commodity to our household. Now that we are walking the financial straight and narrow, we are going to let credit cards pay for our upcoming vacation. No, we aren’t charging the vacation on credit, but the credit companies are going to pay us to travel. Here’s how. Disclaimer If you currently carry a balance on your credit cards or are not able to use credit within your means, you first need to find out how to break the debt cycle. Once you make your way out of consumer debt, I totally get the need to use cash for everything if you don’t want ...

Read More »