September 2016 Garden Club/Cult

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amexmember12
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Re: September 2016 Garden Club/Cult

Postby amexmember12 » Fri Sep 02, 2016 8:18 pm

Was planning to sit in the garden but my current project got extended another few months. So went and apped for the CSR today and got approved so will be taking advantage of hotel/rental/dining.

Otherwise from that - gonna refreeze my credit and sit in the garden until i get ready to buy a house or another car.
CSR $24K | Discover IT $22.9K | AMEX BCE $15K | AMEX EveryDay $12.9K | Marriott Premier - $11K | Delta Platinum $10K | Freedom $6.5K | Freedom $6K | BOA Travel Rewards - $2.7K | AMEX Premier Gold


JonE
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Re: September 2016 Garden Club/Cult

Postby JonE » Fri Sep 02, 2016 11:20 pm

I thought about CSR until I saw the AF. Thinking I'll stick with the CSP for what little traveling I do.
Current Cards: Chase Freedom, Discover IT
Future: TBD

thom02099
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Re: September 2016 Garden Club/Cult

Postby thom02099 » Fri Sep 02, 2016 11:49 pm

One month away from 2 years in the Garden. Last app/approval was for the $50K Diners Club.

Chase Sapphire Reserve is the card du jour, but doesn't interest me at all. That so many of the MF'ers are getting approved for it speaks volumes. No thanks. The JP Morgan Reserve on the other hand.... but not gonna do it, wouldn't be prudent.

Keep getting the invites from AMEX to go Platinum, but like the CSR, I can't justify the $450 "privilege" of membersh*t.

For giggles, I checked the Cap One site to see if I'm "qualified" for any of their cards...they said yes...to just about all of them. Again...no thanks.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

AMEXPlatino86
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Re: September 2016 Garden Club/Cult

Postby AMEXPlatino86 » Sat Sep 03, 2016 12:43 am

For all the cards that have been released, things have been slow in the credit world. Since I acquired a business card in this past December I haven't really felt the need to get another credit card. The only one that I would go after if it became available again is one of the Diner Club cards. Kinda tired of my Apple Barclay. Used it to get some accessories but I have no use for it anymore.
Wells Fargo Platinum 2.100 (5/2011-cld 7/12/14)
AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

My credit score :cool:
EQ: unknown
EX: 762
TU: 752

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CarefulBuilder14
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Re: September 2016 Garden Club/Cult

Postby CarefulBuilder14 » Sat Sep 03, 2016 1:15 am

thom02099 wrote:One month away from 2 years in the Garden. Last app/approval was for the $50K Diners Club.

Chase Sapphire Reserve is the card du jour, but doesn't interest me at all. That so many of the MF'ers are getting approved for it speaks volumes. No thanks. The JP Morgan Reserve on the other hand.... but not gonna do it, wouldn't be prudent.

JPM Reserve beats CS Reserve bc JPM is hidden? Perks or rewards? Other differences?

The average card lifetime among MF regulars is pretty low. I'm waiting to go for the bonus eventually with a new account, but even for a PC the 2016 and 2017 travel credits beat the AF.
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

thom02099
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Re: September 2016 Garden Club/Cult

Postby thom02099 » Sat Sep 03, 2016 9:50 am

CarefulBuilder14 wrote:
thom02099 wrote:One month away from 2 years in the Garden. Last app/approval was for the $50K Diners Club.

Chase Sapphire Reserve is the card du jour, but doesn't interest me at all. That so many of the MF'ers are getting approved for it speaks volumes. No thanks. The JP Morgan Reserve on the other hand.... but not gonna do it, wouldn't be prudent.

JPM Reserve beats CS Reserve bc JPM is hidden? Perks or rewards? Other differences?

The average card lifetime among MF regulars is pretty low. I'm waiting to go for the bonus eventually with a new account, but even for a PC the 2016 and 2017 travel credits beat the AF.


That comment about the JPM Reserve was mostly tongue-in-cheek...shoulda added a smiley! :) Yup, I'm presuming it will be a hidden TL like the other JPM products. Just waiting for the MF crowd to find out about that one and clamour about calling the EO to get exempted from the $10mil asset requirement and with a 690 score. Bennies are no real difference from the CSR, it's more of a novelty card for the uber crowd.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

Tubpbs
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Re: September 2016 Garden Club/Cult

Postby Tubpbs » Sat Sep 03, 2016 1:41 pm

I have nothing planned anytime soon. The next thing will probably be a mortgage. The only card that interests me is the CSR and I got the Ritz like a week before they made all the changes to it.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

gregshelley@scrtc.com
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Re: September 2016 Garden Club/Cult

Postby gregshelley@scrtc.com » Sat Sep 03, 2016 8:52 pm

PhillyPhoto wrote:I wasn't planning on applying for anything in August, but did try for the CSR and got denied for 10/24. On the bright side, I wasn't hit with the "membershit" fee lol. Then I saw a link for 75,000 HHonors points on the Amex card, so picked that up (and I'm still waiting for the card). Looking to use those points for my honeymoon next year. We're looking to do a cruise in Hawaii, but I'd like a couple nights on land to do stuff (Pearl Harbor, etc). I may pick up the Citi version if the 75k offer is still around after I hit the min spend on the Amex. That would put me around 200,000 HHonors points.



Phillyphoto, I tried Tomsk you but could not. I have some info for you. Thanks
Discover it $3k
BOA CR Visa Sig. $18K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $8.5K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Busin Visa $2K
Chase Ink Cash Busin Visa Sig. $5K

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CarefulBuilder14
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Re: September 2016 Garden Club/Cult

Postby CarefulBuilder14 » Sun Sep 04, 2016 11:42 pm

thom02099 wrote:
CarefulBuilder14 wrote:
thom02099 wrote:One month away from 2 years in the Garden. Last app/approval was for the $50K Diners Club.

Chase Sapphire Reserve is the card du jour, but doesn't interest me at all. That so many of the MF'ers are getting approved for it speaks volumes. No thanks. The JP Morgan Reserve on the other hand.... but not gonna do it, wouldn't be prudent.

JPM Reserve beats CS Reserve bc JPM is hidden? Perks or rewards? Other differences?

The average card lifetime among MF regulars is pretty low. I'm waiting to go for the bonus eventually with a new account, but even for a PC the 2016 and 2017 travel credits beat the AF.


That comment about the JPM Reserve was mostly tongue-in-cheek...shoulda added a smiley! :) Yup, I'm presuming it will be a hidden TL like the other JPM products. Just waiting for the MF crowd to find out about that one and clamour about calling the EO to get exempted from the $10mil asset requirement and with a 690 score. Bennies are no real difference from the CSR, it's more of a novelty card for the uber crowd.

Blasphemer! Infrequent travelers need their hotel room theft insurance!

(One of the few small differences between CSP and Palladium/presumably JPM Reserve, for those not familiar)

JonE wrote:I thought about CSR until I saw the AF. Thinking I'll stick with the CSP for what little traveling I do.

The annual fee really isn't that different, once you take out the $300 travel credit. You get a little more in the way of perks. The minimum spend is the same, and the bonus is a lot nicer.

If you want to try travel cards, why not just start with something with a $1k minimum spend requirement (once you pay off your balances)? Until you're spending and traveling enough to make good use of CSP or CSR, you can still enjoy a nice bonus and hone your points skills. There's more value in light travel bonus hunting than opening, closing, and reopening a Walmart card.
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

kdm31091
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Re: September 2016 Garden Club/Cult

Postby kdm31091 » Mon Sep 05, 2016 9:48 am

CarefulBuilder14 wrote:There's more value in light travel bonus hunting than opening, closing, and reopening a Walmart card.


I'm not really a "churner" but I have to agree with this 100%. I see people opening, closing, changing their mind etc on no bonus, low value cards all the time and it kind of baffles me. If you're taking the pull and AAOA ding anyway, at least get something out of it.

The CSR or CSP spend requirements may be too high for some and that's fine but even getting a $100 or $200 bonus beats getting nothing and a card with very few perks.



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