I know the hit to the credit score is small and only temporary. I've played the churn game before. My point is it doesn't make sense to use it on a $100 bonus when you can get more (double) for it.It's odd people are so worried about hard pulls. They cost 5pts or less and are temporary. If someone's credit is so on the edge that a few points is going to cause issues, they should probably avoiding adding a CC.