Rethinking my strategy

For just about anything you want to get off your chest about credit cards.
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MemberSince99
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Postby MemberSince99 » Thu May 23, 2013 6:40 am

My bad here guys - it does say signature under the logo, I just never noticed it before. All the better. Chase is getting lots of use these days.


rockyrock
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Postby rockyrock » Thu May 23, 2013 7:08 am

MemberSince99 wrote:Thanks Robrus. I am already over halfway to the spend for the 40k bonus points (rent and car payment) and I plan to get that, it's hard to turn down 500 dollars in travel rewards! And then I will concentrate on the Amex a bit more once I hit that. I like your thinking.


How did you set up your car payment? My bank will only let me debit checking/MM accts.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
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MemberSince99
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Postby MemberSince99 » Thu May 23, 2013 9:22 am

I got it through Nissan Motor Acceptance Corp or NMAC, and they allow you to pay with a credit card via BillMatrix. Wells Fargo who I had the previous loan through did not allow credit card payments. So, as you've seen some do and some do not it just depends.

rockyrock
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Postby rockyrock » Fri May 24, 2013 2:25 am

MemberSince99 wrote:I got it through Nissan Motor Acceptance Corp or NMAC, and they allow you to pay with a credit card via BillMatrix. Wells Fargo who I had the previous loan through did not allow credit card payments. So, as you've seen some do and some do not it just depends.


Thanks, it seems USAA doesn't.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

TheLethargicAge
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Postby TheLethargicAge » Fri May 24, 2013 9:46 am

MemberSince99 wrote:Ok bottom line is no more applications for 6 months, not until December, to give the current new cards time to age and not ruffle any feathers here.

I was thinking I would apply for Chase Freedom then, but now throwing Amex into the mix with Gold, it really would make more overall sense for the BCP as I would be maximizing rewards that way.

So that's kind of what I'm thinking. I don't want to do anything to spook any of these guys at this point, but down the road now I am thinking that might be the card that works the best for me if I add anything to the mix.

The only thing I know for a fact is right now the only lenders I would be interested in applying for anything new with would be Chase or Amex. Associated frankly doesn't have anything I know of that I don't already have, and Elan isn't my first choice anyway, and I may be max'd out with what BofA will give me right now anyway. I'd like to establish things with both Chase and Amex. If that process goes well, I could see giving them both a lot of my business. I plan to now anyway, but I mean more in the future.

And I'm very happy with FNBO so I really want to keep them in the mix too. I have nothing bad to say about FIA or BofA, as well. (though some of you may).

And I might add, the backdating to 99 would be awesome as well.

Any thoughts or suggestions?


Definitely go for the Freedom and the BCP, they're a great 1-2 punch, but stay "in the garden" for at least 6 months before you apply for either of them.

Amex Gold and CSP? Glad to see you finally got some decent credit cards.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

MemberSince99
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Postby MemberSince99 » Fri May 24, 2013 9:53 am

TheLethargicAge wrote:Definitely go for the Freedom and the BCP, they're a great 1-2 punch, but stay "in the garden" for at least 6 months before you apply for either of them.

Amex Gold and CSP? Glad to see you finally got some decent credit cards.


I agree, that's the plan. In 6 months, I may well go for Freedom and then BCP. With the 5% on Amazon in the fourth quarter on Freedom that may force my hand in going for it a bit early to get that as I get a LOT of stuff from amazon. But with Amex it will be after 6 months I know to tread lightly with them. I guess if I lose a couple of months on the Freedom 5% on Amazon no biggie, though. I'd just love to take advantage of that.

Finally got some decent cards? Hummm the Associated Signature offers rewards that are equal to the Amex BCE in terms of cashback. Ditto for the BofA card. And the Fidelity Amex offers a straight 2% across the board for everything - nothing to sneeze at.



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