Copyright © 2026 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{191614,
        author = {Kishore Kumar and Manjunath G and Jai Balaji S D},
        title = {Evaluating the Structure and Consequences of Credit Card Churning: A Detailed Descriptive Examination},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {7133-7137},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=191614},
        abstract = {Credit card churning is a consumer strategy involving the repeated opening (and sometimes closing) of credit card accounts to capture sign-up bonuses, promotional rewards, and other short-term incentives. This paper presents an expanded, detailed descriptive examination of credit card churning, combining theoretical perspectives, empirical calculations, market-level effects, behavioural drivers, issuer countermeasures, regulatory considerations, and policy recommendations. The objective is to provide a thorough resource for researchers, policymakers, and practitioners, enabling both qualitative understanding and quantitative evaluation of churning activities. The paper concludes with operational recommendations for consumers and suggestions for issuer/regulator responses that balance innovation and market integrity.},
        keywords = {credit card churning; reward programs; consumer behaviour; financial risk; credit score; regulatory policy},
        month = {January},
        }