Posted by William Charles on March 7, 2019
Credit Cards

Published on March 7th, 2019 | by William Charles

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Is The Synchrony Cathay Pacific Card Churnable? (Yes)

Ever since the Synchrony Cathay Pacific card launched one thing that has always been asked in the comments is if the sign up bonus is churnable or not. We now have at least two data points of people getting the bonus multiple times: 1, 2, 3, It’s not 100% clear if you need to wait a set time between bonuses to get the bonus a second time but I do think you need to have closed your existing card before being eligible for a second card. If anybody has any other data points I’d love to see them in the comments below.



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eclipsor
eclipsor

too bad redeeming those points on their site is an absolute nightmare

LC
LC

just sell them to a miles broker. yeah it may be against banks terms and conditions but so is gaming the system by churning. go big or go home.

eclipsor
eclipsor

any recommendations?

LC
LC

Yeah, MilesBuyer. Theres reviews on here about them as well.

Sam
Sam

Seriously? Exercise some discretion and keep DoC an ethical place. And gaming the system =/= violating terms.

Zach
Zach

There’s nothing unethical about selling miles to a broker. It may be against the terms and conditions of the program but that is not synonymous with being unethical.

Joe
Joe

LOL okay buddy

LC
LC

i was providing a solution to his problem. didnt say he had to do it. I’m not sure why you think that gaming is not the same thing as violating terms. in the terms it often says that gaming the system will result in closure of cards and any points. Selling your miles is not fraud, its on the same level as “gaming” imo. Just maybe more frowned upon, kinda like master-baiting on an airplane.

doc
doc

Not a good comparison, doing that on a plane would be illegal. Also, gross.

LC
LC

lol it was a hangover quote from Alan!

LC
LC

Also, why is it more unethical to sell your miles for cash rather than use it for a trip to X?

I will say, it may be riskier to get account shut down. So i’ll backtrack a bit and end it with that.

wondering
wondering

are they as rigid with third party non account names as aa airlines?

Dan
Dan

i did this with cathay (sold through broker) and my account immediately got shut down. i was able to get it reinstated eventually by sending the passenger passport and a photo of me with a random chinese person (they asked for a pic of me with my “friend” who i gave the miles to). yes, i took a photo with a different chinese girl and claimed it was the passenger my miles were used on…just be prepared if you sell miles on a new cathay account, this may happen to you

Ayrton Carson
Ayrton Carson

The “random Chinese person” comment is one of the funniest things I’ve read in a long time.

barry
barry

I just booked 2 RT from SEA to HNL on AS for 15k each way no problem. with current MR bonus it came to 22k RT. cheaper than BA and I didn’t have to call in.

Henry
Henry

Which airlines?

elegua
elegua

“SEA to HNL on AS” – AS = Alaska Airlines

alaskantraveler
alaskantraveler

Was recently denied the card for two many recent inquiries. I was 20/24 with 740 score.

doc
doc

Good data point. But, you know you can get rid of the inquiries, right? There’s less risk disputing inquiries than there is churning cards, that’s for sure. If you’re going to play the game, might as well play it to the hilt.

james
james

I never knew you can dispute inquires

doc
doc

It used to be easy to just call and dispute, but not anymore. Now it typically requires placing a fraud alert on the report, and then disputing the inquiries as fraud. Once deleted, you can then remove the fraud alert, and resume normal activity.

Keep in mind that some people consider this to be unethical. Also, there’s a chance that a lender that you otherwise still do business with could get suspicious, and overreact. But, that’s only ever happened to me with Chex inquiries. Some small banks or CU’s will get miffed and have you re-verify if you mess with their inquiry.

Conversely, with credit inquires… it seems like companies cannot be bothered to keep the left hand and the right hand in unison. So, the inquiry dispute is basically just something that no real person ever actually looks at, particularly if it’s a big bank.

The point is that I’ve never had any issues, although I’m over 5/24 by some amount. But, if I was going to start gaming really hard, I could certainly obtain a lot more cards. I just don’t want to deal with the inevitable fallout, of potential adverse action — from having too many new accounts, debt pyramiding, or just having the score drop from reducing the average age of accounts.

So, I keep my reports clean just to keep my score up, so that, when I actually do need something, I’m not the least bit worried about getting approved.

LC
LC

speaking of unethical, this is actually fraud.

TW
TW

I don’t know if it’s 100% true, with only a couple data points, but I’ll take one for the team on this. I got the card back in 2017, closed it out before the start of 2018. So it has been a minimum of 13 months since I had the card. I just applied and was instantly approved. Another data point on this, I’m at 21 inquiries in the past 24mo, and they did pull TransUnion (my TU shows 21/24). I have at 7 new cards from the last 3 months as well, so if they’re inquiry sensitive it doesn’t really seem like it. And if they’re new account sensitive, I guess they’re fine with 7 in the past 90 days.

40k bonus isn’t great when there’s a $95AF, but I need some flights between asian countries for next year and at 7500 miles each, it gets my whole family from point A to point B for $95 on Cathay Pacific in economy, so that’s worth $95 to me.

Once I meet the minimum spend, if I ever get the 40k bonus, I will update/reply to this comment I’m leaving. Please note that if I never respond to this comment, it means I never got the bonus. Wishing myself luck.

TW
TW

I just got my card in the mail today, nothing in the paperwork explicitly states a bonus. I activated the card and used the Live Chat to ask what bonus offer was attached to my account and they stated 40k after $2k spend in 90 days, which is what it should be. Now, whether I get the bonus is the last part of the story. I will try to remember to update this one way or the other, but again if I don’t, it means I never got the bonus.

TW
TW

UPDATE 4/4/19 — The 40k bonus has posted, so this card is indeed churnable. Whether there is a time-frame you have to wait, and how long the wait may be, is up for debate – I waited a little over 13 months after closing, before applying again. So if there IS a time frame, 13 months meets the requirements thus it’s either <=13 months or there isn't one.

Dick Bupkiss
Dick Bupkiss

Well, it was before this was posted…

Dan
Dan

another dp: i got approved again within 5 months of closing previous card https://www.doctorofcredit.com/ymmv-cathay-pacific-synchrony-credit-card-90000-mile-bonus/#comment-718649

james
james

did you end up getting the bonus for the 2nd card

Dan
Dan

havent quite met spend yet, i’ll update on that post when i do

dalo

I am tempted but , I feel like I need a plan to acquire enough miles for redemption before starting since the miles expire in two or three years similar to Krisflyer miles . Knowing the card can be churned makes it more likely that I could accumulate enough miles before they start expiring . SEA-HKG-BKK round trip in Biz in our future now! As always , thanks again DOC!

Stingy
Stingy

So I currently have Asia Miles account. I plan to apply for the card again. My question is, would my new application create a new Asia Miles account? Wondering about this.

Bob
Bob

I can confirm another instance of churn. Cancelled card mid-Nov 2018. Applied for new card late Feb 2019, hoping to get 90k miles offer. No joy on 90k, but approved for a 40k mile offer.

why1818
why1818

How did you guys close the account? Did you use the “Chat Now” feature? Or, secured message? Thanks!

alvinroast
alvinroast

When I closed mine I think it was an option on a drop down menu from the main page. “Close account”. I clicked and probably had to confirm and that was it. By far the easiest closure ever.

After doing that I decided that Synchrony is one of the best banks to do business with ever. It almost made me feel bad to close the account. Almost.

alvinroast
alvinroast

Opened August 2017, closed July 2018. Just now applied again with instant approval for $7600cl.

P2 same but with an $8000cl.

Just when we were getting within sight of 5/24.

Julian
Julian

How many Asia Miles are they offering now for a new sign up? Can someone please point me to a link for signing up? Thanks

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