Churn success...New Chase joint checking w/spouse for $300, new CSR for her (she has great credit + our income) w/33k limit. That's a productive Saturday morning!

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Umm, where is the churn? Churn insinuates manufatured spending with minimal cost

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The churn is that I can PC mine to a Freedom now, get her a CSP once the minimum spend is hit since she's now at 2/24 vs me at 10/24, and we're not necessarily beholden to this checking acct

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Why do you need the joint chase account at all?

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D1 Churning isn't limited to MS. However, you're right, this is only churning if you got CSR for the bonus and throw it in a drawer after as well as move the money out of the checking account as soon as the clawback period is done.

Sometimes it's better/easier for getting and paying a mortgage...My direct deposit will still go into my personal account.

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