Hi, I'm new here. Holy crap! I am blown away by this forum! It's a whole other world. I thought I knew all there is to getting miles, but it turns out that is not the case. I have a lot to learn! This is really exciting though! Is there a guide I can find on churning and app o rama? I applied for chase slate yesterday. I am still waiting for approval. How long should I wait before I apply for the chase sapphire? Can I do it now or should I wait? I only have one credit card with chase bank, which is the explorer card. However, I am listed as an authorized user for my husband's explorer & southwest card. Therefore, when I pulled my Credit Karma report, 3 chase cc show up. I also bank with Chase. Also where can I find the "member since" date on the explorer card via chase.com? A little about me: The only airline/point credit card I have is the Explorer card. I fly United/CO almost exclusively so I can acquire more miles for international award flights, but I'm open to other airlines if you think it would be beneficial to me. I fly to Central America (mainly Costa Rica) 1-2 times a year. I also go to Poland from time to time. I fly domestic 1-2 a year. Credit: According to Credit Karma, my stats are the following: Your current debt-to-income ratio is 9%. Utilization rate: 17% Transrisk score: 745 Vantage score: 801 oldest account: 7 years, 7 months. I'm 28. I have 7 revolving credit accounts, 9 including the authorized user cards. Is Credit Karma reliable? Should I purchase a FICO score? Goals: -Acquire award travel to Poland, Costa Rica, Peru, and Thailand (I am going to CR again in Feb). -I am going to travel within Central America for a year (not for another year or two). -I don't like staying at American hotels while traveling abroad. However, free stays are better than nothing. This may come in handy during my my travels in Central America, but I'm skeptical about finding American hotels in Central & South America. I tend to not visit major cities.