I know it's a bit early for the July thread, but as I am going to pose a new garden-related question, I figure starting this now is better than having two similar threads going on in early July.
What is the best decision you've ever made about not applying for a card? That is, have you ever been about to apply for a card, decide not to, and later realized it was a really good decision?
In early 2014, when I'd already gotten Freedom but not yet Discover, I almost responded to a mailed ad for a Capital One Platinum (or some variant of it). That's right - I already had a Freedom, and almost got a no-rewards card with an AF on the second year. I figured the more cards and the more history I had of any kind, the better. Plus, my Freedom SL was $600, and I figured any
other card would give me more.
Of course, that was before I knew very much and before I started reading on here and MF. I did stop myself from applying, though, realizing in imperfect (but for this case, adequate) logic that in the long run, paying an AF for a card with no rewards didn't make sense when I could get the same extra history from a bunch of no-AF cards and not use them.
So that's the card I'm glad I avoided!
I don't expect to apply for anything in July. I might try to shake down Barclaycard and Discover for some extra rewards.
*I fit in 30 transactions on EDP and successfully switched my IHG bonus from 60k+$50 to 80k+$50.*