[positr0n]

What’s high risk about churning besides the risk of wasting your time?

Forgetting to pay a bill with all the accounts you are juggling then wiping out your gains with one late fee?

[itake]

You must follow the rules exactly. Easy mistakes include:

For credit card:

- not meeting spending targets to earn signup bonuses

- not utilizing all the cards benefits (For example, discover requires you click a couple buttons to activate 5% reward.

- minimum points redemption (must have > x points to convert to cash)

- Forgetting to redeem points before closing the account.)

For checking/savings rewards:

- not meeting direct deposit targets

- not maintaining an account balance

[nunez]

That's exactly it! Got to have the discipline to make sure those balances stay at zero.