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by MattGaiser
1116 days ago
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I am a credit card churner who collects hundreds of thousands of points a year. Our typical subreddit advice on this is to use as soon as possible in a way that meets your goals. Why? Devaluations and restrictions are pretty regular, so as soon as there is no benefit to holding, you should extract them. Cashback has fewer devaluations, but additional restrictions or changes to earning rates often come about. Besides, money now has interest value again, so why give an interest free loan? |
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