(크레딧 카드 정리용 엑셀) Churning Tracker Spreadsheet

레딧에서 카드 처닝 트래커라고

크레딧 카드들을 엑셀로 정리하여 관리하는데 도움이 될거 같아 가져와 봅니다. (굉장히 디테일합니다)

Churning Tracker Spreadsheet Template (Copy Link)

Churning Tracker Spreadsheet Template (View Link)

Sample of Churning Tracker Spreadsheet with data (샘플입니다)

샘플 이미지:

작성자: garettg 

• Credit Cards Sheet:
  • Approval, bonus post, close/PC, and Minimum spending requirement (MSR) dates
  • Minimum spending requirement (MSR) amount and progress
  • Bonus amount, type of bonus, and bonus value based on separate sheet point valuations
  • Card Credit Limit, Annual Fee, and Bank
  • Card Type (personal vs business, credit card vs charge card)
  • Who the card belongs to
• Players & Totals Sheet:
  • Keep a list of players along with their income and business revenue
  • Total number of points and miles and their total estimated value based on your valuations
  • Total number of active cards and the estimated annual fees total of those cards (annual fees will exclude 1st year waived if less then 12 months old)
  • Track point and miles balances across different programs
• Anti-Churning States
  • Calculates multiple different states across different banks (5/24, 2/90, 8/65, etc)
  • Calculates when you would fall under 5/24 if over and not more personal cards are added
• Transferable Estimate Sheet:
  • Based on your balances with transferable point systems, how many points you could add to that program if necessary
  • Dropdown at the top lets you switch between players to view numbers based on their balances
• Banks Sheet:
  • Tracks your credit limit and percentage with each bank based on credit card sheet and CLs inputed
  • Dropdown at the top lets you switch between players to view numbers based on their credit limits and income
• Redemption Calculator Sheet:
  • Lets you input a cash price vs award points and fee price and based on your point valuations see which comes out ahead
• Redemption Tracker Sheet:
  • Track your redemptions so you know what point values were for future reference
• Point Values Sheet:
  • Point value column lets you define your individual point values for each program (defaulted to TPG point values for ease)