September 2015 Garden Club/Cult

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CarefulBuilder14
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Re: September 2015 Garden Club/Cult

Postby CarefulBuilder14 » Wed Sep 16, 2015 1:58 pm

CSP/Freedom/BCP is a pretty good combination, balancing rewards with simplicity. It's possible I'd switch to something like that if MRs got nerfed badly after the Costco switch to Visa. I'd just downgrade EDP, upgrade BCE, and move some of the CL. No apps or inquiries required. :)
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


JonE
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Re: September 2015 Garden Club/Cult

Postby JonE » Thu Sep 17, 2015 8:07 am

The plans are to have CSP along with Freedom for Dining/Travel and Category spending. EDP for every day spending plus Groceries/Gas/Department Stores. Will probably add Discover IT and a MasterCard to the list, Discover just in case the Freedom gets nerfed any further, and a MasterCard just because, plus a useful store card like Amazon since I'm a prime member.
Current Cards: Chase Freedom, Discover IT
Future: TBD

Whatamuji
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Re: September 2015 Garden Club/Cult

Postby Whatamuji » Fri Sep 18, 2015 1:45 am

The Amazon Prime Store Card is pretty handy. Especially with the deferred interest you get when making large purchases. Plus the unlimited 5% cashback doesn't hurt either. Stay away from the Amazon rewards card. Absolutely not worth the app. The points don't transfer to UR's and redemption is poor.
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

oldsoldier
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Re: September 2015 Garden Club/Cult

Postby oldsoldier » Fri Sep 18, 2015 11:01 am

My 24 months almost came to a halt very quickly. I thought long and hard about the Citi TY Premier card but stayed strong. 23 more months to go!!
BoA Cash Rewards $13,000
Chase Sapphire Preferred $14,000
BoA Better Balance $12,000
Amex Every Day $24,000
Discover It $17,000
NFCU Platinum Visa $25,200
Barclay Arrival WMC $10,000
Cap One QuickSilver WMC $6,200
WF Cash back Visa Sig $11,000
Citi Thank You Premier $11,600

Nixon
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Re: September 2015 Garden Club/Cult

Postby Nixon » Fri Sep 18, 2015 8:12 pm

I kinda want that British Airways 100K offer. :|
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CarefulBuilder14
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Re: September 2015 Garden Club/Cult

Postby CarefulBuilder14 » Fri Sep 18, 2015 10:36 pm

I might reshuffle my Barclaycard CLs a bit. I probably won't need more than $4k on Arrival WMC, but I definitely won't need more than $4.5k on Sallie Mae.

Is that still an easy, HP-free thing to do?
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: September 2015 Garden Club/Cult

Postby Whatamuji » Fri Sep 18, 2015 11:49 pm

Nixon wrote:I kinda want that British Airways 100K offer. :|


That's a good offer. I think their regular offer is pretty measly in comparison. Plus BA is amazing!
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

Whatamuji
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Re: September 2015 Garden Club/Cult

Postby Whatamuji » Fri Sep 18, 2015 11:51 pm

Too lazy to find the original thread. Anyways, my BT has gone through and I'm simply waiting for Chase's payment to BoA to post.
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

ingramjuan
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Re: September 2015 Garden Club/Cult

Postby ingramjuan » Sat Sep 19, 2015 8:14 pm

Same here, no apps planned. I am holding off until March or April 2016. By then two inquires will fall off my CR. Only card left that I possible would ever apply for is the Chase Freedom. I think I have everything else covered. Unless its a business credit card.
CARDS:
Capital One Platinum (2001) |Capital One QuickSilver World (2002) | Amex Gold Delta (2013) | Best Buy Visa (2013) |Discover It (2015) | Amex Platinum (2015)

Gardening Since: June, 2015

Next Cards:
Personal: Chase Freedom Unlimited
Business: Amex Plum
Store Card: Lowes

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CarefulBuilder14
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Re: September 2015 Garden Club/Cult

Postby CarefulBuilder14 » Mon Sep 21, 2015 4:25 pm

Moved some CL, and I now have a $2.5k Sallie and a $6k Arrival. Soft pull - presumably their most recent one, rather than a new one.
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



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