Okay, brace yourself. There’s a secret the banks don’t want you to know. It’s called “credit card churning.” And no, it’s not as scary as it sounds—just a little savvy with your plastic. Here’s how it works: You sign up for credit cards that offer big sign-up bonuses. Spend a bit to hit the bonus requirements (think: groceries, gas), then boom, you’re swimming in points or cash back. The key is to pay off your balance every month to avoid interest. And the best part? You repeat! It’s like a game with rewards. The banks don’t want you to know about this because they lose money when you don’t carry a balance. But when done right, you can rack up thousands in travel points, gift cards, or even cash, without paying a dime in interest. Pretty sneaky, huh?