August 2015 Garden Club/Cult

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CarefulBuilder14
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Re: August 2015 Garden Club/Cult

Postby CarefulBuilder14 » Wed Aug 05, 2015 12:32 pm

Whatamuji wrote:Decided to consolidate the Amazon card and Freedom card into one. Only 2 more K till I get the CSP lol

I don't know if the practice is still around, or how hard it is/was to get around, but know that Chase recently has been declining some people who apply for CSP who have a lot of new accounts.

Plus, PCing a Freedom into CSP is probably a bad idea, since you'd miss the awesome bonus.
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


Whatamuji
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Re: August 2015 Garden Club/Cult

Postby Whatamuji » Wed Aug 05, 2015 2:13 pm

CarefulBuilder14 wrote:
Whatamuji wrote:Decided to consolidate the Amazon card and Freedom card into one. Only 2 more K till I get the CSP lol

I don't know if the practice is still around, or how hard it is/was to get around, but know that Chase recently has been declining some people who apply for CSP who have a lot of new accounts.

Plus, PCing a Freedom into CSP is probably a bad idea, since you'd miss the awesome bonus.


No worries. I don't plan on applying for CSP for another couple of years. And I agree it would be a bad idea to PCing a Freedom into CSP. I just applied for the Hilton card from AMEX...longest 60 seconds of my life. I was so sure I wasn't gonna get it and was ready to get up from my computer and walk away while it was working. But then I saw in the top of the tab "Congratulations! You've been...". And then I was happy and soo relieved. :cool:
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

Vermonster
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Re: August 2015 Garden Club/Cult

Postby Vermonster » Wed Aug 05, 2015 3:49 pm

With a few years of good history on the Freedom you should have an easy time apping for the CSP. As a current Chase customer they'll care more about your debt to income ratio.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

Whatamuji
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Re: August 2015 Garden Club/Cult

Postby Whatamuji » Wed Aug 05, 2015 7:09 pm

Vermonster wrote:With a few years of good history on the Freedom you should have an easy time apping for the CSP. As a current Chase customer they'll care more about your debt to income ratio.


Yup that's the gameplan. I should also be making more money in a couple years once I'm out of school finally. I don't expect to have any issues getting the card when it's time to get it.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

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Re: August 2015 Garden Club/Cult

Postby Snowman » Wed Aug 05, 2015 7:17 pm

Wow, It's been a while since I've been on the forums. I've laid low since January of last year (I got myself into an an accident and the other driver had no insurance, so I've been paying off my cards for a while now. Total damage was around 10k, but I've managed to whittle it down 2,600 which I hope will be paid off in the next couple of months or so) and trying to not create any more debt (except gas and food, those are my only expenses at this point). However, I picked up a second job once again, and my income has gone up to 20k. When I'm done with this debt, I plan to app for the AA Plat, CSP, C1 Venture One, and possibly Fidelity Visa or AMEX and or the Citi DC. I'm aiming for three cards more and that's it for at least 3-4 years. I only have 4 inquiries on EX (but they are from December 2013 and January 2014, I don't think they matter much do they?) and I don't think I have any on the other two. Do I stand a chance at any of them when it comes time to apply in November? Discover and BOFA also gave me a CL increase back a few months ago, both Auto, which surpised me but I'll take it nonetheless.

Good to be back on the forum as well, it been a while. Hope the rest of you are doin well.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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CarefulBuilder14
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Re: August 2015 Garden Club/Cult

Postby CarefulBuilder14 » Wed Aug 05, 2015 8:53 pm

rockyrock wrote:It really depends on the available credit. My USAA Amex has never seen the light of day and still has the activation stickers on them >2 years now. I have no plans to use it but keep it open b/c it represents 10% of my total available credit. That is quite valuable to me.

I have about $20k of credit across EDP/CSP/Freedom, plus NPSL on PRG. That's enough for me, so it's really a question of whether I want to keep a SD account active via "life support" for a while.

Come Q1 2016 (only 5 months away), Sallie Mae will probably be my best card for Amazon, despite the "gift card" intermediate step for some things. I've been buying some digital books and videos, for which I generally wouldn't need top-tier customer service. It would be unusual for me to exceed the $750 cap.

I'll keep it active for the time being. Closing it gives me only a tiny improvement in simplicity (I'd be logging into Barclaycard to review charges and pay off one card vs. two).

OTOH, there are small, but several, benefits to keeping it open (2016 Amazon rewards, AAoA maximization for future bonus hunting/churning, and a good complement to BCE as a backup card I don't carry in my wallet.

So Sallie Mae lives! I still don't care if Brooks Bros goes inactive, though.
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

Nixon
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Re: August 2015 Garden Club/Cult

Postby Nixon » Thu Aug 06, 2015 11:03 pm

4 Months app free and a TU R* to kick it off. 7 INQ back from the grave. Time to make some canoes out of their zombie inquiry skulls.
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CarefulBuilder14
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Re: August 2015 Garden Club/Cult

Postby CarefulBuilder14 » Thu Aug 06, 2015 11:32 pm

Nixon wrote:4 Months app free and a TU R* to kick it off. 7 INQ back from the grave. Time to make some canoes out of their zombie inquiry skulls.

I don't understand the canoes part, but I'm surprised there are only 7 zombies.

I never tried it. I don't have any hidden TLs, so there never seemed much point.
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

Nixon
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Re: August 2015 Garden Club/Cult

Postby Nixon » Fri Aug 07, 2015 2:10 am

CarefulBuilder14 wrote:
Nixon wrote:4 Months app free and a TU R* to kick it off. 7 INQ back from the grave. Time to make some canoes out of their zombie inquiry skulls.

I don't understand the canoes part, but I'm surprised there are only 7 zombies.

I never tried it. I don't have any hidden TLs, so there never seemed much point.


Hollow point + Skull = Canoe. :cool:

And yeah. I think it's because I didn't stop B* when the last R* happened and I was spared then.
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Re: August 2015 Garden Club/Cult

Postby rockyrock » Fri Aug 07, 2015 9:22 am

Snowman wrote:
Good to be back on the forum as well, it been a while. Hope the rest of you are doin well.


Welcome back, sounds like you've been busy. Glad to hear you are okay. Not much has changed since you left, MemberSince99 is on another partial hiatus and has opened and closed his Discover card three times while you've been gone...lol
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Chase: Freedom & UA Club USAA: Signature Visa & American Express
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