January 2016 Garden Club

For just about anything you want to get off your chest about credit cards.
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Dcyphrz
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Re: January 2016 Garden Club

Postby Dcyphrz » Thu Jan 14, 2016 6:41 pm

Ghoshida wrote:50K MR for 1k spend seems good.

Got the same card last summer. The bonus points paid for part of our bathroom remodel ($500 Home Depot gift card).
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EX 756 - TU 776 - EQ 749


kdm31091
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Re: January 2016 Garden Club

Postby kdm31091 » Fri Jan 15, 2016 8:20 am

Almost halfway through January already. Gardening is really easy lately especially due to the lack of exciting offers out there (at least in terms of non-travel/hotel/airline cards).

4ktvs
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Re: January 2016 Garden Club

Postby 4ktvs » Fri Jan 15, 2016 1:22 pm

It's really easy for me not to even want to app as every time I look at my FNBO visa I think don't want a limit like that ever again.

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CarefulBuilder14
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Re: January 2016 Garden Club

Postby CarefulBuilder14 » Fri Jan 15, 2016 2:14 pm

I'm considering going for the Citi AA Platinum 50k.

I also might make it my first app with a frozen report (EX).
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: January 2016 Garden Club

Postby Nixon » Fri Jan 15, 2016 2:18 pm

On the opposite, It's hard for me NOT to app seeing as my average approval is now $5,000+
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Dcyphrz
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Re: January 2016 Garden Club

Postby Dcyphrz » Fri Jan 15, 2016 11:13 pm

Instant approval for BOA Cash Rewards. Let the appers' remorse begin! LOL
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EX 756 - TU 776 - EQ 749

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CarefulBuilder14
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Re: January 2016 Garden Club

Postby CarefulBuilder14 » Fri Jan 15, 2016 11:17 pm

Dcyphrz wrote:Instant approval for BOA Cash Rewards. Let the appers' remorse begin! LOL

Are you moving away from BCP?
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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Dcyphrz
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Re: January 2016 Garden Club

Postby Dcyphrz » Fri Jan 15, 2016 11:25 pm

CarefulBuilder14 wrote:Are you moving away from BCP?

No, not at all. I love that AMEX card! **says supportive things to AMEX card** LOL Except for the offers, I only use it at Kroger.
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EX 756 - TU 776 - EQ 749

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CarefulBuilder14
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Re: January 2016 Garden Club

Postby CarefulBuilder14 » Fri Jan 15, 2016 11:34 pm

Dcyphrz wrote:
CarefulBuilder14 wrote:Are you moving away from BCP?

No, not at all. I love that AMEX card! **says supportive things to AMEX card** LOL Except for the offers, I only use it at Kroger.

It sounds like the BofA card might not get much use with BCP and PRG around. Still, $500 isn't much in the way of minimum spend.
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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Dcyphrz
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Joined: Sun Jan 03, 2016 2:57 pm

Re: January 2016 Garden Club

Postby Dcyphrz » Fri Jan 15, 2016 11:51 pm

CarefulBuilder14 wrote:It sounds like the BofA card might not get much use with BCP and PRG around.

Getting 6% grocery/3-5% fuel money is always my first concern. That's the bulk of our spending. Anything else that doesn't fall into a category for Chase or Discover usually goes to the Citi DC but I've started doing this weird rotation thing with all my other cards. I kinda think of it as wear leveling for my trade lines. :D

*edit* Ok so to serve the thread's purpose: I only made it 6 months without an app. Maybe I'll last longer this time.
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EX 756 - TU 776 - EQ 749



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