March 2016 Garden Thread

For just about anything you want to get off your chest about credit cards.
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kdm31091
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Re: March 2016 Garden Thread

Postby kdm31091 » Thu Mar 24, 2016 9:44 am

CarefulBuilder14 wrote:I've dropped Delta Gold from my "next card" shortlist. Since the bonus is once per lifetime, and the only big perk is free checked bags, I'll wait for a better (60k+) offer.


At least you didn't just impulsively apply the second you thought you wanted it, like some people do!


JonE
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Re: March 2016 Garden Thread

Postby JonE » Thu Mar 24, 2016 12:25 pm

With Chase Freedom Unlimited getting introduced, the Amex EDP is looking a lot less attractive. The only real decision here is whether I want to PC my current freedom to the newest version, or just apply outright in December or whenever. I was planning on applying for CSP at that time and don't know if I want to do two Chase cards at once (if that's even possible).
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

Nixon
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Re: March 2016 Garden Thread

Postby Nixon » Thu Mar 24, 2016 12:32 pm

I'm considering applying in branch for the FU.
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Tubpbs
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Re: March 2016 Garden Thread

Postby Tubpbs » Thu Mar 24, 2016 1:44 pm

Nixon wrote:I'm considering applying in branch for the FU.


Why?
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

kdm31091
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Re: March 2016 Garden Thread

Postby kdm31091 » Fri Mar 25, 2016 8:39 am

Tubpbs wrote:
Nixon wrote:I'm considering applying in branch for the FU.


Why?


Probably because applying in branch seems to give you a slight chance of being approved even with 5/24, though the chance is still fairly small. I've only seen a couple of exceptions made at this point.

Nixon
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Re: March 2016 Garden Thread

Postby Nixon » Fri Mar 25, 2016 9:25 am

kdm31091 wrote:
Tubpbs wrote:
Nixon wrote:I'm considering applying in branch for the FU.


Why?


Probably because applying in branch seems to give you a slight chance of being approved even with 5/24, though the chance is still fairly small. I've only seen a couple of exceptions made at this point.

Lets just say I have a couple of large bank accounts at Chase and that may give me a leg up.
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Tubpbs
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Re: March 2016 Garden Thread

Postby Tubpbs » Fri Mar 25, 2016 11:34 am

Let us know. I'm sure you can get it done. Do work.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

JonE
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Re: March 2016 Garden Thread

Postby JonE » Fri Mar 25, 2016 6:41 pm

I actually just closed my Chase accounts since I now bank with Ally. Don't know if that's going to hurt or help.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

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CarefulBuilder14
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Re: March 2016 Garden Thread

Postby CarefulBuilder14 » Wed Mar 30, 2016 7:40 pm

Any last-minute SPG apps?

I've got my ACAT complete and my EX unfrozen.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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CarefulBuilder14
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Re: March 2016 Garden Thread

Postby CarefulBuilder14 » Thu Mar 31, 2016 8:17 am

Instant approval for Schwab Platinum.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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