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Churn & Ltv Prediction Smartico Help Center

Given that tough pulls are now reported instantly and most new accounts are reported as quick as a couple days post-approval, the benefit to performing an AoR is greatly decreased. While that is good general advice for utilizing credit cards, it is especially necessary for churning. Paying interest for even a single month can considerably reduce, or even fully eliminate, any positive aspects you may have made by obtaining bonus factors and miles. Credit card companies are betting that you’ll mess up and have to pay interest, but this can be avoided with proper planning of your churning activities.

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