Credit Card Churning | How to Begin, Which Cards, & Risk [Ep. 2]

[@rachelmorrow9042]

A medical channel has turned into a financial/life hack channel, and I'm here for it!!

[@elizabethescobar1296]

Saying thank you is not enough to show how much I value everything about you on Telegram I got a very high balance on your credit card's... So Amazing*** you Are the best❤Darkcreed90😚😚

[@paulkayden1158]

instablaster

[@mickeyauau]

What happened to this series? Saw this a couple years ago and actually helped me decided to get started to start using the chase ecosystem . Would like to see more of your videos on level two and three of churning!

[@samira1334]

My mind is blown. Thank you for explaining this so clearly!!!

[@JeffreyMcIntosh]

Thanks, very straight forward And valuable information. Hard to find credit card information that is in depth, most is just the same generic points said over and over again. Thanks for the content!

[@paulewannacrackr]

Who said you needed an MD to change lives? Stuff is gold. Thanks Kev

[@carsonswheels2134]

I love the financial videos! Thank you for the valuable information Kevin.

[@rs3801]

Awesome video Kevin. I would love a video regarding your diets and it’s relation to chrons disease.

[@kaylarosejones91]

a new subscriber, and i admire your channels content. Thank You!!

[@nicoqueijo]

I find manufactured spending super easy just by filling your Amazon gift card balance. If you're a Prime user who just buys most things on Amazon it's like funding the future purchases you were gonna make anyway.

[@thomaslee5797]

You did not disappoint! been lookin forward to this video!

[@brettlarson3801]

Appreciate enough, Dr. Jubbal!

[@capriay6456]

This is very helpful please post more to this series!

[@ShirleyHealthy]

Great video! Loved the Fight Club reference ahaha good tips on risk assessment and personal value vs cash value! W/ 30+ credit cards, do you have a spreadsheet keeping track of all the different policies / monthly payments / etc? Even for an organized individual, I would think it'd be hard to keep track of everything with so many different factors involved, even with scheduled monthly payments.

[@seantheguy]

With every credit card application there is a hard credit check that negatively effects your credit score for 2 years

[@cameronjones2750]

I'm kind of mind blown than people were self-referring themselves to credit cards. Very creative; how was that even possible?

[@dianahernandez9679]

Great vid!!!! Love all of your vids, but these finance ones are huge help. Can you do an extra vid on reaching MSR if you're opening multiple cards per year. Thank you!! -D

[@d.o.smiles4836]

Might you consider a video about what kind of wallet / man purse / fanny pack you need to hold all of these precious gems?

[@winnielygamer]

WOOT WOOT! Finally! :D *gives it an instant like*

[@priyankashrivastav772]

Thank you for sharing this information. 😊

[@miguelservidad1266]

Is it okay to close my freedom credit card (active for 2 years), and re open to get the sign up bonus? Thank you!

[@smartanajones4u]

I’ve been doiythis for a ling time but never knew it had a name lol. Also, all my life Ive wanted to declare a hibby, so im glad to finally say i have a hobby lol

[@arey256]

Great video, I would be worried about my credit score. Does it take a hit with opening so many cc openings? I agree with you I don’t really care for economy flight I prefer better and cheaper vacations spots or maybe like hotels.

[@thereaIitsybitsyspider]

My monthly spending is not high enough to reasonably justify getting cards like the Chase Preferred and Reserve.

[@Rainbowofthefallen]

Just commenting for the algorithm 💚

[@growtopiafan8974]

Hey Kevin, do you mind doing a video on this channel about how to type faster as you've talked on MSI that you type like 145 WPM or something like that. Thanks

[@heartcomedy5]

Hey Dr. Juball. What type of cars do you like? German sports cars, Japanese luxury cars, Italian super cars?

[@kevinjubbalmd]

Japanese 90s were my first love growing up. Also into German, Italian, and British cars. Never got deep into American though

[@heartcomedy5]

Kevin Jubbal, M.D. I really like the looks of the Lamborghini Hurucan Evo as a supercar and Audi Rs6 avant as a sports car. I also really like the ‏ruggedness of the Toyota Land Cruiser. So many different cars to choose 🤯

[@thomas.02]

if you're interested im curious to hear your thoughts on investing

[@kaeyaseyepatch2363]

I don't know if I'm understanding this wrong, but doesn't credit card churning really only work if you have a stable income?

[@jx1147]

So are you essentially downgrading the CSR to the CF to avoid the CSR yearly fee? In other words, shouldn't you always be working towards a MSR for a signup bonus? Should you downgrade and simultaneously apply to a card with a sign up bonus and begin working on that MSR?

[@CalrosACJ55]

Where the bank bonus playlist at😢

[@farish.515]

I'm an incoming medical student and want to mazimize my savings (or minimize debt lol), but i dont know if i should start churning now or when I'm in med school. I srill have six months before going in.

[@anaaloe]

Nice video...

[@Mayflower018]

Are points considered on the same scale? Like does 50,000 points from one card = 50,000 points on another card? How do points get converted to travel dollars?

[@calebhoney6159]

I’m trying to stay away from any cards that have annual fees

[@ChrisSmith-nc8bj]

Another way to make money off your credit cards is by selling the authorized user spots on them. It's called "tradelines". It helps the person buying the spot build their credit and I get paid for being the credit partner. Only the banks stand to lose a bit. There are companies out there that make the whole process safe.

[@rell9161]

I thought ppl would apply for the cards an cancel before annual fee comes then re apply again

[@mikeyoung7640]

What if you don’t want any risk at all

[@mohanadelnokali]

Thanks for the video, noob question here.. lets say i get sign up of $300 on a card and $200 on another card... How can i combine them to buy airline ticket of $500 ?

[@Waldopolo69]

Cash back if you can’t transfer the points between them

[@zerotohero7756]

Does credit card churning only make sense for people who travel?

[@natanlutt8866]

Let's say I want to open a Chase Saphire, but already have the Chase unlimited card and all other no fee cards. Will they let me downgrade and combine the limit or something? Or would I be stuck with either keeping the Saphire card or cancelling it?

[@jacobfain6504]

I believe you have more than one Freedom card. Most people don't mention it because most people won't want multiple Freedom cards that are the same.

[@I..cast..fireball]

This is the cc equivalent of extreme couponing

[@kevinjubbalmd]

Pretty much

[@Life2dmax1]

How do you keep track of the rules such as 5/24? Do you have to do it yourself or can you check with Chase?

[@kevinjubbalmd]

Keep track of it yourself. I use a Google spreadsheet. Refer to that first video for my template. You can also go to Credit Karma

[@tamsalam6210]

Kevin I'm a sophomore in college with no credit card history does this work with secured credit cards since my credit wont allow me to get any good ones??

[@fguinvestments9117]

Where can I get that flow chart at

[@thomasstrasser2882]

How do you open credit cards without income? Like as a student living off loans with no income can I still open cards?

[@ericmacdonald2302]

I had the same question

[@adrianvalderrama8225]

Any idea on how long you get to keep these points? I'm an incoming M1 and wondering if it would be worth it to start churning now, or if I should wait until later in med school

[@kevinjubbalmd]

Generally you keep the ones associated with airlines. Points with a bank require a cars that provides those points, for which there are always no-annual-fee options

[@adrianvalderrama8225]

@@kevinjubbalmd awesome thank you! I'm glad to have access to this info early on

[@maxwellopoku1581]

Hey Kevin is this for americans only? Or I can also churn from a different country

[@kevinjubbalmd]

I’m only familiar with the US system. Cannot speak for other countries

[@behindthewhitecoat6560]

What's a credit card?

[@nsm8994]

How can I buy that shirt?

[@kevinjubbalmd]

Link under the video. It’s on our TeeSpring

[@ajithrajaful]

Is there a fee to downgrade or cancel a card?

[@kevinjubbalmd]

Generally no

[@Mahmoud-ir5nt]

Do you ever get concerned about the fact that these credit card companies collect your information and sell it to 3rd parties (as stated in most of their privacy policies)? Companies, such as amex, at least let you mitigate that in some way.

[@mikewhelan2178]

Wait... you are a doctor?

[@kevinjubbalmd]

👨‍⚕️

[@zawaarahmed8006]

I am first ❤️❤️❤️

[@dumpscash7907]

Dumpscode on telegram is the best💯

[@leoshadowofwar]

First comment Haha

[@digitalawe]

I'm experienced also with CC and banking and this guy doesn't tell you enough details. Plus i don't agree with everything he says. Prob due to being sponsored.

[@kevinjubbalmd]

Nothing in this video was sponsored.