Credit scores are a funny thing. Some people obsess over them while others could care less. Nonetheless, they are important when you are trying to get a loan or mortgage. Credit scores range from 300 to 850. After a certain level (above 760), there may be limited additional benefit with an increase in score. Understanding how credit scores work is an important part of churning. Monitor your score as you start applying for new credit cards. Some credit card companies offer free updates on your credit score with trackers such as CreditWise from Capital One. Free flights and hotels are great, but not at the expense of receiving a higher interest rate on a mortgage. Million Mile Secrets recommends being cautious when opening new credit cards if you plan to purchase a house soon. If you are applying for a loan within the next two years, you may decide to wait to start churning.

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