{"id":3897,"date":"2025-06-05T05:25:51","date_gmt":"2025-06-05T08:25:51","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=3897"},"modified":"2025-06-05T05:25:51","modified_gmt":"2025-06-05T08:25:51","slug":"what-is-churning-credit-cards","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/","title":{"rendered":"What is churning credit cards?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#What_is_Churning_Credit_Cards\" >What is Churning Credit Cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Understanding_Credit_Card_Churning\" >Understanding Credit Card Churning<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#How_Does_Credit_Card_Churning_Work\" >How Does Credit Card Churning Work?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Why_Do_People_Engage_in_Credit_Card_Churning\" >Why Do People Engage in Credit Card Churning?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#The_Risks_and_Downsides_of_Credit_Card_Churning\" >The Risks and Downsides of Credit Card Churning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Differences_Between_Credit_Card_Churning_and_Responsible_Credit_Card_Use\" >Differences Between Credit Card Churning and Responsible Credit Card Use<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#How_to_Get_Started_with_Credit_Card_Churning\" >How to Get Started with Credit Card Churning<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#1_Check_Your_Credit_Score\" >1. Check Your Credit Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#2_Understand_Your_Spending_Patterns\" >2. Understand Your Spending Patterns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#3_Research_the_Best_Credit_Card_Offers\" >3. Research the Best Credit Card Offers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#4_Keep_Track_of_Your_Applications_and_Rewards\" >4. Keep Track of Your Applications and Rewards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#5_Plan_What_to_Do_After_the_Bonus\" >5. Plan What to Do After the Bonus<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Popular_Types_of_Credit_Cards_for_Churning\" >Popular Types of Credit Cards for Churning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Maximizing_Credit_Card_Bonuses_Without_Churning\" >Maximizing Credit Card Bonuses Without Churning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Common_Questions_About_Credit_Card_Churning\" >Common Questions About Credit Card Churning<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Is_Credit_Card_Churning_Legal\" >Is Credit Card Churning Legal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Can_Churning_Hurt_My_Credit_Score\" >Can Churning Hurt My Credit Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#How_Much_Money_Can_You_Make_from_Churning\" >How Much Money Can You Make from Churning?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Is_Churning_Worth_It\" >Is Churning Worth It?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Tips_for_Responsible_and_Successful_Credit_Card_Churning\" >Tips for Responsible and Successful Credit Card Churning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Final_Notes_on_Credit_Card_Churning\" >Final Notes on Credit Card Churning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Related_Articles\" >Related Articles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Our_Categories\" >Our Categories:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#What_is_Churning_Credit_Cards-2\" >What is Churning Credit Cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Frequently_Asked_Questions_About_Churning_Credit_Cards\" >Frequently Asked Questions About Churning Credit Cards<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#1_What_does_churning_credit_cards_mean\" >1. What does churning credit cards mean?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#2_Is_churning_credit_cards_legal\" >2. Is churning credit cards legal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#3_How_does_churning_credit_cards_affect_my_credit_score\" >3. How does churning credit cards affect my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#4_Can_I_churn_credit_cards_if_I_have_a_low_credit_score\" >4. Can I churn credit cards if I have a low credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#5_What_are_sign-up_bonuses\" >5. What are sign-up bonuses?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#6_Are_there_risks_involved_with_credit_card_churning\" >6. Are there risks involved with credit card churning?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#7_How_often_can_I_churn_credit_cards\" >7. How often can I churn credit cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#8_What_is_the_524_rule\" >8. What is the 5\/24 rule?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#9_Should_I_close_credit_cards_after_getting_the_bonus\" >9. Should I close credit cards after getting the bonus?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#10_How_can_I_manage_multiple_credit_cards_when_churning\" >10. How can I manage multiple credit cards when churning?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#11_Can_I_churn_credit_cards_if_I_have_existing_cards\" >11. Can I churn credit cards if I have existing cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#12_Are_there_credit_cards_best_suited_for_churning\" >12. Are there credit cards best suited for churning?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#13_Can_I_use_churned_credit_card_bonuses_for_travel\" >13. Can I use churned credit card bonuses for travel?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#14_How_important_is_paying_off_balances_during_churning\" >14. How important is paying off balances during churning?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#15_Where_can_I_track_the_best_cards_for_churning\" >15. Where can I track the best cards for churning?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3897\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>What is churning credit cards?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Churning_Credit_Cards\"><\/span>What is Churning Credit Cards?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019ve ever come across the term <em>churning credit cards<\/em>, you might be curious about what it means and why some people talk about it as a method to earn rewards or benefits. In simple terms, credit card churning is a strategy where individuals apply for multiple credit cards, earn the welcome bonuses, and then close or move on from those cards to repeat the process. This practice can potentially lead to significant rewards like cash back, travel points, or miles, but it also comes with risks and nuances that every user should understand before diving in.<\/p>\n<p>In this article, we will explore what churning credit cards involves, how it works, the benefits and drawbacks, and the important tips and warnings you should know if you\u2019re considering this approach. Whether you are a beginner just curious about this strategy or someone who wants a deeper understanding to optimize your personal finance decisions, this article covers everything you need to know.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_Credit_Card_Churning\"><\/span>Understanding Credit Card Churning<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Credit card churning<\/strong> is essentially the practice of opening and closing credit card accounts frequently to take advantage of introductory offers, particularly sign-up bonuses. These bonuses can include:<\/p>\n<ul>\n<li>Cash back rewards<\/li>\n<li>Travel points and airline miles<\/li>\n<li>Statement credits or gift cards<\/li>\n<\/ul>\n<p>Churners aim to maximize the value of these bonuses by meeting each card\u2019s spending requirements, earning the rewards, and then either canceling the card or moving on to the next offer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Does_Credit_Card_Churning_Work\"><\/span>How Does Credit Card Churning Work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Here\u2019s a typical workflow for someone practicing churning:<\/p>\n<ul>\n<li><strong>Research:<\/strong> Find credit cards with lucrative sign-up bonuses and low annual fees.<\/li>\n<li><strong>Application:<\/strong> Apply for the credit card and get approved.<\/li>\n<li><strong>Meet Spending Requirements:<\/strong> Spend a certain amount in a specified period (usually 3 months) to qualify for the bonus.<\/li>\n<li><strong>Earn Rewards:<\/strong> Receive the bonus points, miles, or cash back.<\/li>\n<li><strong>Close or Keep:<\/strong> Decide if you want to close the card before the annual fee hits, or keep it if the benefits outweigh the fee.<\/li>\n<li><strong>Repeat:<\/strong> Move on to the next card and repeat the process.<\/li>\n<\/ul>\n<p>Most successful churners have a system to track their applications, spending, and rewards to avoid negative impacts on their credit scores.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_People_Engage_in_Credit_Card_Churning\"><\/span>Why Do People Engage in Credit Card Churning?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many people are attracted to churning because it can offer <strong>significant financial perks<\/strong> without changing their everyday spending substantially. Here are some of the key reasons:<\/p>\n<ul>\n<li><strong>Access to large bonus rewards:<\/strong> Welcome offers can be worth hundreds of dollars in value.<\/li>\n<li><strong>Free travel opportunities:<\/strong> Points and miles earned can be redeemed for flights and hotel stays.<\/li>\n<li><strong>Cash back and statement credits:<\/strong> Some cards offer instant or future discounts on purchases.<\/li>\n<li><strong>Build rewards balance quickly:<\/strong> Multiple bonuses can add up fast.<\/li>\n<\/ul>\n<p>However, it\u2019s important to understand that not everyone qualifies or benefits equally from churning, and the strategy requires careful planning.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Risks_and_Downsides_of_Credit_Card_Churning\"><\/span>The Risks and Downsides of Credit Card Churning<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While churning might sound appealing, it\u2019s not without potential drawbacks. Consider these risks carefully:<\/p>\n<ul>\n<li><strong>Impact on credit score:<\/strong> Frequent credit inquiries and new accounts can lower your credit score.<\/li>\n<li><strong>Annual fees:<\/strong> Some cards have high fees that might offset the value of the bonus if you don\u2019t manage them well.<\/li>\n<li><strong>Spending requirements:<\/strong> Meeting minimum spend thresholds might encourage unnecessary spending.<\/li>\n<li><strong>Potential for overspending:<\/strong> Risk of going into debt if expenses aren\u2019t carefully controlled.<\/li>\n<li><strong>Account closures:<\/strong> Closing cards can reduce your overall credit history length, which can also impact credit scores.<\/li>\n<li><strong>Card issuers\u2019 restrictions:<\/strong> Many banks have rules limiting how often you can earn bonuses on the same card, or they might even deny applications if they detect churning behavior.<\/li>\n<\/ul>\n<p>For example, American Express imposes a limit on the number of bonuses you can earn on a card every 24 months. Chase has rules known as the \u201c5\/24 rule,\u201d which restricts new card approvals if you\u2019ve opened five or more credit cards in the past 24 months.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Differences_Between_Credit_Card_Churning_and_Responsible_Credit_Card_Use\"><\/span>Differences Between Credit Card Churning and Responsible Credit Card Use<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It\u2019s essential to differentiate between churning and everyday responsible credit card use. Churning focuses on exploiting bonuses, often with multiple cards and on a short-term cycle. In contrast, responsible credit card use involves:<\/p>\n<ul>\n<li>Keeping a limited number of credit cards over time<\/li>\n<li>Paying off balances monthly to avoid interest<\/li>\n<li>Using cards primarily for their ongoing rewards and benefits<\/li>\n<li>Maintaining a strong credit history<\/li>\n<\/ul>\n<p>Churning requires more effort and research and may not be the best fit for people who prefer a simpler approach to managing credit.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Get_Started_with_Credit_Card_Churning\"><\/span>How to Get Started with Credit Card Churning<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019ve decided to give churning a try, here are some practical steps and tips to help you start:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Check_Your_Credit_Score\"><\/span>1. Check Your Credit Score<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Since churning involves applying for multiple cards, a higher credit score improves your chances of approval. You can check your score for free through various online services.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Understand_Your_Spending_Patterns\"><\/span>2. Understand Your Spending Patterns<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Know how much you typically spend monthly and ensure you can meet minimum spend requirements without overstretching your budget.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Research_the_Best_Credit_Card_Offers\"><\/span>3. Research the Best Credit Card Offers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Look for cards that offer generous sign-up bonuses with spending requirements that fit your financial habits. Focus on bonuses that have good redemption value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Keep_Track_of_Your_Applications_and_Rewards\"><\/span>4. Keep Track of Your Applications and Rewards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Use a spreadsheet or an app to monitor your card applications, spending deadlines, bonus status, and any fees due.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Plan_What_to_Do_After_the_Bonus\"><\/span>5. Plan What to Do After the Bonus<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Decide whether you want to keep the card for ongoing benefits or cancel it before the annual fee hits. Keep in mind that closing a card might affect your credit score.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Popular_Types_of_Credit_Cards_for_Churning\"><\/span>Popular Types of Credit Cards for Churning<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Certain types of credit cards are especially popular among churners due to their reward structures and introductory offers:<\/p>\n<ul>\n<li><strong>Travel rewards cards:<\/strong> Cards like Chase Sapphire Preferred, American Express Gold, or Capital One Venture offer valuable miles and points.<\/li>\n<li><strong>Cash back cards:<\/strong> Cards such as Citi Double Cash or Discover it provide straightforward cash rewards.<\/li>\n<li><strong>Hotel credit cards:<\/strong> Cards affiliated with Marriott, Hilton, or Hyatt often feature large welcome bonuses for hotel stays.<\/li>\n<li><strong>Business credit cards:<\/strong> These often have higher spending limits and generous bonuses, ideal for entrepreneurs.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Maximizing_Credit_Card_Bonuses_Without_Churning\"><\/span>Maximizing Credit Card Bonuses Without Churning<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If churning sounds like too much work or risk, you can still maximize rewards without aggressively applying and canceling accounts. Here are some tips:<\/p>\n<ul>\n<li><strong>Stick to a few cards:<\/strong> Use cards that complement your spending habits and offer relevant rewards.<\/li>\n<li><strong>Utilize category bonuses:<\/strong> Many cards offer extra rewards on groceries, gas, dining, or travel.<\/li>\n<li><strong>Take advantage of referral bonuses:<\/strong> Some issuers offer points or cash back when you refer friends who are approved.<\/li>\n<li><strong>Use payment services:<\/strong> Pay bills or purchases through services that earn rewards indirectly.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Common_Questions_About_Credit_Card_Churning\"><\/span>Common Questions About Credit Card Churning<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Is_Credit_Card_Churning_Legal\"><\/span>Is Credit Card Churning Legal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes, credit card churning is legal.<\/strong> There is no law against applying for multiple credit cards to earn bonuses. However, credit card issuers may close accounts or deny applications if they detect churning behavior or abuse of offers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_Churning_Hurt_My_Credit_Score\"><\/span>Can Churning Hurt My Credit Score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Churning can impact your credit score if not done carefully.<\/strong> Opening multiple cards results in hard inquiries, which can temporarily lower your score. Closing cards reduces your available credit, which may increase your credit utilization ratio. Balancing your card openings and closings while keeping balances low is key.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Much_Money_Can_You_Make_from_Churning\"><\/span>How Much Money Can You Make from Churning?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The potential rewards vary widely depending on the number of cards, the size of bonuses, and how effectively you redeem points. Some churners report earning thousands of dollars worth of rewards annually. Keep in mind that this takes time, organization, and discipline.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Churning_Worth_It\"><\/span>Is Churning Worth It?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>It depends on your financial situation, habits, and goals.<\/strong> If you can responsibly manage multiple credit cards without incurring debt or hurting your credit score, churning may provide valuable perks. However, if you find it stressful or complicated, simpler reward strategies might be better suited.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tips_for_Responsible_and_Successful_Credit_Card_Churning\"><\/span>Tips for Responsible and Successful Credit Card Churning<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Pay all balances in full and on time<\/strong> to avoid interest charges and maintain a healthy credit score.<\/li>\n<li><strong>Keep detailed records<\/strong> of application dates, spending requirements, bonus deadlines, and annual fees.<\/li>\n<li><strong>Avoid unnecessary spending<\/strong> just to hit minimums; prioritize your budget and financial goals first.<\/li>\n<li><strong>Research issuer rules<\/strong> to avoid disqualification from future bonuses.<\/li>\n<li><strong>Space out applications<\/strong> to minimize the impact of multiple hard inquiries on your credit report.<\/li>\n<li><strong>Understand redemption options<\/strong> to get the best value from your rewards.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Final_Notes_on_Credit_Card_Churning\"><\/span>Final Notes on Credit Card Churning<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Credit card churning<\/strong> can be a valuable strategy for increasing rewards, especially if you travel frequently or want to maximize cash-back opportunities. However, it requires strong financial discipline, excellent record-keeping, and a good understanding of credit management.<\/p>\n<p>Before embarking on your churning journey, assess your personal finances, credit health, and ability to handle multiple accounts responsibly. This will help you decide whether credit card churning is a beneficial tool or an unnecessary complication in your financial life.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-212\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6.webp\" alt=\"Thumbnail Smart Finance (6)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Related_Articles\"><\/span>Related Articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"page-generator-pro-related-links page-generator-pro-related-links-columns-1 page-generator-pro-related-links-prev-next page-generator-pro-related-links-vertical\"><li class=\"prev\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4013\/\" title=\"What is better, Credit One or Capital One?\">What is better, Credit One or Capital One?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3864\/\" title=\"What is Clearpay?\">What is Clearpay?\n                            <\/a>\n                        <\/li><\/ul>\n<p>Our HOME in English: <a href=\"https:\/\/finance.familiaeabiblia.com.br\/\" target=\"_blank\" rel=\"noopener\">Smart Finance: Learn, Invest, and Grow<\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-262\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56.webp\" alt=\"Thumbnail Smart Finance (56)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Our_Categories\"><\/span>Our Categories:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb3 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/\">Credit Cards<\/a>: Comparisons, reviews, and tips to choose the best card for your profile \u2014 cashback, travel rewards, no annual fee, and more.<\/li>\n<li>\ud83c\udfe6 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/digital-banks\/\">Digital Banks<\/a>: Practical guides and evaluations of digital bank accounts, fees, benefits, and services.<\/li>\n<li>\ud83d\udcc8 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/investing\/\">Investments<\/a>: Beginner guides, fixed income and variable income options, real estate investment trusts (REITs), and more.<\/li>\n<li>\ud83e\uddee <a href=\"https:\/\/finance.familiaeabiblia.com.br\/financial-education\/\">Financial Education<\/a>: Learn to manage your budget, build an emergency fund, and get out of debt.<\/li>\n<li>\ud83d\ude97 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/loans-financing\/\">Loans and Financing<\/a>: Explanations about mortgage, auto, and student loans, with smart money-saving tips.<\/li>\n<li>\ud83d\udee1\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/insurance\/\">Insurance<\/a>: Information about the most important types of insurance to protect your family and assets.<\/li>\n<li>\ud83d\udcca <a href=\"https:\/\/finance.familiaeabiblia.com.br\/taxes-income\/\">Taxes and Income<\/a>: Guidance on tax filing, investment taxation, and fiscal responsibilities.<\/li>\n<li>\ud83c\udfd6\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/retirement-planning\/\">Retirement Planning<\/a>: Tips to plan your retirement with private retirement plans, Social Security benefits, and passive income strategies.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-209\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3.webp\" alt=\"Thumbnail Smart Finance (3)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Churning_Credit_Cards-2\"><\/span>What is Churning Credit Cards?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Credit card churning has become a popular strategy among savvy American consumers looking to maximize rewards, bonuses, and benefits offered by various credit card companies. Essentially, <strong>churning credit cards<\/strong> involves frequently opening new credit card accounts to take advantage of lucrative sign-up bonuses, then closing the cards before any annual fees become costly. This tactic can help users earn significant points, miles, or cash back, which can be redeemed for travel, statement credits, or merchandise.<\/p>\n<p>While it sounds straightforward, churning requires careful planning, discipline, and understanding of how credit scores work to avoid negative impacts. The key is to leverage the welcome offers without racking up debt or damaging your credit history. American consumers interested in churning should also be aware of issuer restrictions and terms like <em>application limits<\/em> and <em>5\/24 rules<\/em> that some banks enforce to curb excessive churning.<\/p>\n<p>For individuals who love travel rewards or high-value points, churning credit cards can be a smart move when done responsibly. However, it\u2019s important to stay organized, track your credit activity, and always pay balances in full each month. With the right approach, credit card churning can significantly enhance your financial flexibility and purchasing power.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_About_Churning_Credit_Cards\"><\/span>Frequently Asked Questions About Churning Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_does_churning_credit_cards_mean\"><\/span>1. What does churning credit cards mean?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Churning credit cards means repeatedly opening new credit cards to earn sign-up bonuses, then closing them before annual fees kick in, maximizing rewards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Is_churning_credit_cards_legal\"><\/span>2. Is churning credit cards legal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, churning is legal but must be done responsibly to avoid negative impacts on your credit score and to comply with card issuer policies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_does_churning_credit_cards_affect_my_credit_score\"><\/span>3. How does churning credit cards affect my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Opening and closing accounts frequently may lower your average account age and increase hard inquiries, which can reduce your credit score temporarily.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_churn_credit_cards_if_I_have_a_low_credit_score\"><\/span>4. Can I churn credit cards if I have a low credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Churning works best with good to excellent credit. Low scores might result in application denials or higher interest rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_are_sign-up_bonuses\"><\/span>5. What are sign-up bonuses?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sign-up bonuses are rewards credit card companies offer new customers, often after spending a minimum amount within a few months.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_there_risks_involved_with_credit_card_churning\"><\/span>6. Are there risks involved with credit card churning?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, risks include credit score drops, overspending, and violating issuer rules, which can lead to account closures or bans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_How_often_can_I_churn_credit_cards\"><\/span>7. How often can I churn credit cards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This varies by issuer; some limit you to one bonus per card product every 24 months or enforce strict application limits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_What_is_the_524_rule\"><\/span>8. What is the 5\/24 rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 5\/24 rule means some banks won\u2019t approve you if you\u2019ve opened five or more credit cards in the past 24 months.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Should_I_close_credit_cards_after_getting_the_bonus\"><\/span>9. Should I close credit cards after getting the bonus?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Not always; keeping cards open can help your credit score, but watch out for annual fees and card management complexity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_How_can_I_manage_multiple_credit_cards_when_churning\"><\/span>10. How can I manage multiple credit cards when churning?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Use budgeting apps, set payment reminders, and keep detailed records of spending and payment due dates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_churn_credit_cards_if_I_have_existing_cards\"><\/span>11. Can I churn credit cards if I have existing cards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, but factor in your current credit utilization and card terms to avoid overextending your credit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Are_there_credit_cards_best_suited_for_churning\"><\/span>12. Are there credit cards best suited for churning?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Cards with valuable welcome bonuses and no or low annual fees are ideal for churning strategies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"13_Can_I_use_churned_credit_card_bonuses_for_travel\"><\/span>13. Can I use churned credit card bonuses for travel?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Absolutely, many people churn cards to accumulate points and miles redeemable for flights, hotels, and more.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"14_How_important_is_paying_off_balances_during_churning\"><\/span>14. How important is paying off balances during churning?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Crucial; carrying balances leads to interest charges that can negate the value of bonuses earned.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"15_Where_can_I_track_the_best_cards_for_churning\"><\/span>15. Where can I track the best cards for churning?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Financial blogs, reward travel forums, and websites like NerdWallet or The Points Guy offer updated lists and advice on top churnable cards.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Churning credit cards<\/strong> offers an exciting way for savvy consumers to unlock substantial rewards through sign-up bonuses and strategic use of credit offers. While the process demands care, organization, and a good credit standing, the payoffs\u2014whether travel perks, cash back, or other benefits\u2014can be significant. By understanding the rules set by credit issuers and maintaining responsible credit habits, anyone can tap into the potential of credit card churning as part of a smart financial plan. Ultimately, churning is not about recklessly opening accounts but about maximizing value in a strategic, risk-aware way. If you enjoy travel perks, cash bonuses, and credit card rewards, exploring credit card churning might just elevate your financial toolkit. Take the time to research, plan, and track your card usage so you can make the most out of every offer while keeping your credit healthy and your financial goals on track.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Also_discover\"><\/span>Also discover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong><a href=\"https:\/\/finance.familiaeabiblia.com.br\/glossary\/\" target=\"_blank\" rel=\"noopener\">Glossary Finance<\/a><\/strong><\/li>\n<li><strong><a class=\"row-title\" href=\"https:\/\/finance.familiaeabiblia.com.br\/faq-finance\" target=\"_blank\" rel=\"noopener\" aria-label=\"\u201cFAQ \u2013 Frequently Asked Questions\u201d (Edit)\">FAQ \u2013 Frequently Asked Questions<\/a><\/strong><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/\">Credit Cards &#8211; GLOSSARY<\/a><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\">Credit Cards &#8211; FAQ<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is churning credit cards? What is Churning Credit Cards? If you\u2019ve ever come across the term churning credit cards, you might be curious about what it means and why some people talk about it as a method to earn rewards or benefits. In simple terms, credit card churning is a strategy where individuals apply &hellip;<\/p>\n","protected":false},"author":3,"featured_media":222,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":["post-3897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faq-credit-cards"],"_links":{"self":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3897","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/comments?post=3897"}],"version-history":[{"count":1,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3897\/revisions"}],"predecessor-version":[{"id":5593,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3897\/revisions\/5593"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/222"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=3897"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=3897"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=3897"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}