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Rising Star
6-8. Churn baby churn
I don’t. Recommendations vary, but a good rule of thumb is 90 days between applications if you want to maintain good approval odds in the long-run. Even with that, the “new accounts” component on my credit score is not stellar.
Pro
I always apply for one around March or April of every year to pay for my income taxes and hit the sign-up bonus minimum spin. I’ll do more if I have large bills that come up beyond that.
Rising Star
I try to get 3. If something big comes up then maybe another.
Each year? My last card was from 2019-ish.
Chief
You're in the points bowl. Churning is the main part of the game.