Longhornmaniac8

God that last part gave me the chills.

This is the correct answer.

Source: Am a CFI/current airline pilot

What are your thoughts on credit card churning? According to every report I've seen, my score is pretty high (>750 now). As someone who loves traveling, I'm very interested in the potential of churning credit cards for miles. I've done it a little bit and actually seen my score go up, which jells with what I know about how credit scores work.

A lot of people seem to be convinced it's a death sentence for a credit score, but everything I know about it would indicate with a solid history, the minor factors that are negative, namely age of accounts and credit inquiries, are outweighed by your utilization decreasing.

Any thoughts on the topic?