Unnecessarily high CLs?

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rockyrock
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Re: Unnecessarily high CLs?

Postby rockyrock » Sat Jul 04, 2015 1:17 am

CarefulBuilder14 wrote:Which cards are you planning to keep vs. close?

Chase does have some peculiar internal credit and security rules. I called them to ask for a chipped debit card, and the CSR said I wasn't eligible to request one, since IHG was less than a month old.


Current lineup:
American Express: (MS 2005) Premier Rewards Gold (2014) Blue Cash Preferred (2013)
Chase: Freedom Visa (old CSP acct 2013)
USAA: World MC (2011) American Express (2013)
Discover it (2011)
Bank of Hawaii Hawaiian Airlines World Elite MC (2008)
Navy Federal Credit Union Platinum Visa (2013)
Citi: Double Cash MC (2015) AT&T Access More MC (2015)

I'll probably close the AT&T card even though it gives 3x for online purchases and my AT&T bill. Hawaiian Airlines card is gone before the AF hits unless they offer me a great retention bonus. I've gotten one two years in a row though so I don't have my hopes up. Amex PRG will go Green before the next AF hits. USAA Amex is gone once I get my BT paid down.

I don't have a general travel card anymore now that my CSP is gone.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC


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CarefulBuilder14
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Re: Unnecessarily high CLs?

Postby CarefulBuilder14 » Sat Jul 04, 2015 10:02 pm

rockyrock wrote:Current lineup:
American Express: (MS 2005) Premier Rewards Gold (2014) Blue Cash Preferred (2013)
Chase: Freedom Visa (old CSP acct 2013)
USAA: World MC (2011) American Express (2013)
Discover it (2011)
Bank of Hawaii Hawaiian Airlines World Elite MC (2008)
Navy Federal Credit Union Platinum Visa (2013)
Citi: Double Cash MC (2015) AT&T Access More MC (2015)

I'll probably close the AT&T card even though it gives 3x for online purchases and my AT&T bill. Hawaiian Airlines card is gone before the AF hits unless they offer me a great retention bonus. I've gotten one two years in a row though so I don't have my hopes up. Amex PRG will go Green before the next AF hits. USAA Amex is gone once I get my BT paid down.

I don't have a general travel card anymore now that my CSP is gone.

I'm not sure where to go from there in terms of rewards. It looks like you're leaning more towards cash back than travel? Or are you on the hunt for travel bonuses?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

rockyrock
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Location: Ventura, CA

Re: Unnecessarily high CLs?

Postby rockyrock » Mon Jul 06, 2015 9:16 am

CarefulBuilder14 wrote:I'm not sure where to go from there in terms of rewards. It looks like you're leaning more towards cash back than travel? Or are you on the hunt for travel bonuses?


I just posted about this in the rewards area. I don't travel as often as I used to but when I do, it's still a good reward earning opportunity. This week isn't huge as my lodging is only about $500 and I'll eat out once a day. I'll use my PRG for meals and proly Discover for the hotel. Even with gas, this trip will come in <$1k. In September we will be going to Hawaii and that trip will proly cost us $2k-$4k depending on airfare. We do that twice a year so there is some significant earning potential there.

Once my PRG and Hawaiian Airlines cards are gone, I'll be seriously deficient in the travel cat. I need to come up with something.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC



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