Desperately Need a New CC for Travel/Teaching Abroad

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CarefulBuilder14
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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby CarefulBuilder14 » Tue Jul 11, 2017 8:46 pm

mountaindewvoltage wrote:I had the 2.5% back card before I had the Hyatt card.

So it's an AAoA thing? Maintaining history with a third lender?

There are reasons to keep the card, but strictly speaking, the order in which you got the cards doesn't matter for reward maximization.

*I get that it involves very little spend for you, though.
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


mountaindewvoltage
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Re: Desperately Need a New CC for Travel/Teaching Abroad

Postby mountaindewvoltage » Tue Jul 11, 2017 9:40 pm

CarefulBuilder14 wrote:
mountaindewvoltage wrote:I had the 2.5% back card before I had the Hyatt card.

So it's an AAoA thing? Maintaining history with a third lender?

There are reasons to keep the card, but strictly speaking, the order in which you got the cards doesn't matter for reward maximization.

*I get that it involves very little spend for you, though.


You asked why I had the USAA limitless.

I applied and was approved for it before I saw a reason to get a hotel card. I applied for the Hyatt in May and was approved for it.

It's a # of approvals in a short period of time issue.

Also if it comes down to "normalizing" my life with credit cards like the average person, I would take the USAA over a Chase any day because of the nature of each business. The interest rates are much lower on my USAA cards, as are the fees, the ability to have no fee-cash advances and overdraft transfers, and the idea that if you're struggling to pay your credit card bill, they'll help you out a bit.



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