Updated September 2026
This site documents how credit card churning works. The guides only matter if the rules and numbers in them are right, so this page explains how they are researched, verified, dated, and corrected, and why nothing here is steered by a card issuer.
How guides are researched
Each guide starts from primary sources: the issuer’s own application terms and published card details. Because many of the rules that matter in churning are never printed, those sources are combined with the body of applicant data points reported across long-running community threads, and with current reporting from established points-and-miles publications. Where a rule is inferred from data points rather than stated by the issuer, the guide says so plainly.
How rules and numbers are verified
Every rule, transfer ratio, and award figure is checked against current sources before a guide is published or updated. We cross-check more than one source for anything volatile, such as transfer ratios, award pricing, and issuer velocity rules, and we prefer the issuer’s terms over secondhand summaries. When sources disagree, the guide describes the uncertainty instead of pretending it away.
Why everything is dated
Points programs and issuer rules change several times a year, so a fact without a date is half a fact. Guides carry an updated date, the issuer rules tracker stamps a last-verified month on every rule, and transfer data is labeled with the month it was checked. If you are reading an old page, the date tells you how much to trust it.
Corrections
When a rule changes or an error surfaces, the affected guide is updated and its date is moved forward, rather than quietly edited and backdated. Significant changes to the rules are also recorded in the tracker’s changelog so you can see what moved and when. If you spot something wrong, the contact page is the fastest way to flag it.
Independence from issuers
This site makes its money from display advertising through Google AdSense. It carries no credit card affiliate links, and no issuer pays to be featured, ranked or recommended. Advertisers do not see drafts, do not assign topics and do not learn what is published before you do. Guides describe how the system works; they are not written to sell an application. The advice reads the same whether or not a card has a referral program, and the affiliate disclosure covers the detail.
What this site is not
Nothing here is financial, legal, or tax advice for your situation. The guides document how issuer programs work; your decisions in them are yours, and questions bigger than a card application belong with a licensed professional. We say this where it matters in individual guides, and it applies everywhere.
Who writes the guides
John Bourscheid writes and edits every guide on this site, and each one carries his byline. He checks the figures himself on a rolling basis, and every guide shows the date it was last reviewed. Every guide follows the same research, verification and dating steps regardless of topic. The aim is plain-English accuracy you can act on, with the sources and dates visible so you can check the work yourself. More about him on the about the author page.