By Upgrd Podcast - Upgrd Podcast

In this week's frequent flyerpodcast we are joined by Rick, frugal travelguy, to discuss churning credit cards for the most frequentflyer and hotel points. Listen as we discuss:

• How you can apply for up multiple credit cards at once andapply again several times per year to get the most miles.
• Why you should check your credit score against multipleagencies
• Learning which credit agencies pull your score through othersites like creditboards.com (see their credit pulls database onceyou are a member) or Rick's Flyertalk thread that is a minidatabase of credit card pulls.
• A FICO credit score above 700 is recommended for credit cardchurning
• A VantageScore of at least 800 (B or good)
• Keep track of your promotions with copies of your application,promotion details, and first card charges (if required to fulfillthe promo)
• Don't cancel your card until it's going to cost you money. Ifit doesn't cost you anything, hang on to the credit card until theyask for an annual fee
• A denial does not hurt your score, its only the inquiry. Theinquiry usually drops your credit score by 2 to 5 points. Obviously if you apply to several and you are not getting approve,then you shouldn't be applying 
• Keep your scores in the good to very good range

Got any credit card churning tips? Let us know in the commentsbelow.