I just finished my very first churn on Nov 10th. Below are the details with some comments. Chase Ink Bold ($5000 in 3 months = 50k points) Chase Hyatt ($1000 in 3 months = 2 free nights) Starwood Preferred ($5000 in 6 months = 25k points) CitiBank AA Visa and AmEx (two browser trick, $5000 in 4 months for = 100k points) I am new to rewards and got my first card (Chase Sapphire) in September. Completed the minimum spend quickly and decided not to wait for 90+ days and jumped in with both feet as listed above. Chase Ink Bold and Hyatt were both pending approval. Called the personal line (Hyatt) and was surprised to find it had been declined. My credit is in the 780's but found since I had applied for the Sapphire in Sept., Chase automatically declined my app due to too many applications. The csr instantly approved the card and I moved to the Bold. Called the business line and frankly was unprepared to answer questions on three years of profit, total earnings, etc. Felt like I butchered the interview and expected them to decline my app but was surprised it was approved! I strongly recommend people being prepared for the interview if applying for a Chase business card. Know your last three years of expenses, profits, projections for the current year, etc. Starwood Preferred instant approval. CitiBank AA Visa and AmEx using two browser trick instant approval on both. Recieved an email today stating I was approved for the Visa but I have not recieved anything regarding the AmEx. I recall there was an option on the app to be notified via email regarding the decision. I checked one but on the 2nd app I did not. On a sidenote, I recieved both my Hyatt and SPG yesterday as they were both overnighted to my front door (two business days from application). My wife got both these cards last month and neither of them were overnighted. My Hyatt came in a very nice folder with all kinds of welcome materials. My theory behind getting the listed cards were two fold. 1. To complete my wife and I's 20 year anniversary trip to Kauai next July. To get there, we both needed to complete the Chase Sapphire, Chase Hyatt, and Starwood Preferred. That will give us 2 round trip tickets from Seattle to Kauai and 7 nights on the island. 4 at the Hyatt and 3 at the Starwood. We have everything completed except for my Chase Hyatt and SPG. 2. The remaining cards I got (Ink Bold and Citibank AA Visa/Amex) was based on Milevalue valuing the points highly. Even though I was not able to get on the VR bonanza, my family spends $400.00 a month in cellular/cable/internet thus the Bold will be a valuable asset. Maybe not the best thing to do but was the method to my madness. Next I get to attempt to book my first awards flight. I have done a couple dry runs using United and the options from Seattle to Kauai in July are virtually non-existant. I will be doing plenty of studying with the hope of learning all the tips and tricks. Thanks all for your role in a fantastic message board. Everyone has been very cool and I have learned alot here.