# Episode 25: Back To The Basics Part 1

Page: https://stenobird.com/podcast/churning-life-podcast-6583679/episode-25-back-to-the-basics-part-1
Text version: https://stenobird.com/podcast/churning-life-podcast-6583679/episode-25-back-to-the-basics-part-1.md
Podcast: [Churning Life Podcast](https://stenobird.com/podcast/churning-life-podcast-6583679)
Published: 2024-07-26T16:12:47+00:00
Episode link: https://share.transistor.fm/s/ae0c1f9e
Audio file: https://media.transistor.fm/ae0c1f9e/04c477ae.mp3
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JSON: https://stenobird.com/v1/public/podcasts/churning-life-podcast-6583679/episodes/episode-25-back-to-the-basics-part-1
Duration seconds: 2176

## Resource

This is a beginner focused episode and is part one of a two part series: Part one is focused on the making money side of churning and part two will be more geared towards points and award travel. Topics include a rundown of the credit card issuers to start churning sign-up bonuses with, some basic methods for manufactured spending, and the types of skills that a churner should develop. Amex: Can hold up to 5 credit cards at a time. Can hold up to 10 charge (pay over time) cards at a time. Maximum of 2 credit card approvals every 90 days (2/90). No restriction on charge cards. Only one approval per product every 90 days (1/90). Upgrades and downgrades don't count. Must keep a card open for 12 months to avoid clawback of the sign-up bonus. Chase: You can't get approved for any credit card if you have had more than 4 personal card approvals in the last 24 months - stay at less than 5 (5/24). There's no hard limit, but there tends to be a max of 3-4 ink business cards before they won't approve any more. US Bank: Applications made on the same day will only have one hard pull (most of the time). LLCs can help scale duplicate applications. Bank of America: Applications within 30 days will only have one hard pull. LLCs can help scale duplicate applications. Amazon: Accounts need to be well-seasoned (6-12 months is ideal). Up to 3 accounts can make the same order with the same credit card every 7 days. One prime account can add one additional household member account and up to 6 teen accounts that share prime benefits (teens must still be seasoned). Address jig is not required, but if you don't jig then you can't get a refund for lost items. Walmart: Accounts need to be somewhat seasoned. It helps to avoid changing payment methods prior to making large orders. Limits reset over…

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## Transcript

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