Garden cult meeting April 2014

For just about anything you want to get off your chest about credit cards.
35 posts
TheLethargicAge
Centurion Member
Centurion Member
 
Posts: 322
Joined: Tue Oct 16, 2012 11:20 pm
Location: Miami, Cuba

Postby TheLethargicAge » Sat Apr 05, 2014 10:16 pm

Alright, no more beating around the bush--bring in the sacrificial hard inquiry! The time to defy the Fico Gods is at hand!
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)


JoDa
Centurion Member
Centurion Member
 
Posts: 235
Joined: Tue Mar 12, 2013 10:10 pm
Location: United States

Postby JoDa » Sun Apr 06, 2014 12:52 am

Not to be the Debbie Downer on this thread, but if you have high-limit, prime cards, what is the benefit in apping (or drapping) for others? Already, I have to be careful to use my BOA and Target once in a while so they don't cancel me for non-use. I don't think BOA would since they're constantly courting me to upgrade my card (fee-free, I may just do that soon), but still. I use the CSP for everything because I'm a points :ahem:. And if I need to buy all new appliances or pay for a major repair, almost any of my cards would handle that individually...heck, once I consolidate the UMP and CSP, I could buy a CAR on that card (could today since I would probably buy a cheap car if I found I needed one).
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

JoDa
Centurion Member
Centurion Member
 
Posts: 235
Joined: Tue Mar 12, 2013 10:10 pm
Location: United States

Postby JoDa » Sun Apr 06, 2014 12:57 am

nismoZtuner wrote:You need that CSP, I just left a Bubble Tea place and...

I walk in
I order what I want
I hand my CSP to the girl at the register
Girl looks at the card and the slides it
Girl then tells me "omg this card is different, I have never seen one like it"
I'm like "Yeah"
Girl tells me "how long have you had this card for?"
Me "some time now"
She looks at me all smiley and giggly
Then she tells me "it just feels different when i slide it not like thr other ones"
Im like "i bet it does"
She looks up at me and laughs..


Some of the places I shop on the regular noticed when I got mine. Basically because it's heavy, but partially because the card number is on the back and they were like "swipe this way, or that way?" Personally, I dropped the envelope pulling it out of my mailbox and was like "dang, they're not joking that it feels different...like a ton of BRICKS!"

Unfortunately, the places I'd *like* to know that I'm not a bum don't see the card until I've done my business. I'm in technology (sort of), so my day-to-day work attire isn't extremely high-end (no one sees me sitting at my desk writing code and doing math)...I just don't need to wear my finest threads to impress my iced-tea maker...or my friends after work. It's not overwhelmingly common, but I have occasionally gotten attitude at higher-end restaurants which turned into gracious smiles and a visit from the manager to confirm that my experience was "pleasurable, and hopefully frequent" (no joke, that's been said to me) once I presented the card to pay. It's not like I show up in sweats and flip-flops, but, apparently, at some places, cheap flats and Loft threads are enough to peg you as "not really qualified to eat here."
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

User avatar
otter
Centurion Member
Centurion Member
 
Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Sun Apr 06, 2014 1:08 am

TheLethargicAge wrote:Alright, no more beating around the bush--bring in the sacrificial hard inquiry! The time to defy the Fico Gods is at hand!


According to myjourney... I think you're on their "radar"!

ps. you're from Miami, Cuba? I spent my early years in Sweetwater, Nicaragua!
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

User avatar
otter
Centurion Member
Centurion Member
 
Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Sun Apr 06, 2014 1:12 am

JoDa wrote:Not to be the Debbie Downer on this thread, but if you have high-limit, prime cards, what is the benefit in apping (or drapping) for others? Already, I have to be careful to use my BOA and Target once in a while so they don't cancel me for non-use. I don't think BOA would since they're constantly courting me to upgrade my card (fee-free, I may just do that soon), but still. I use the CSP for everything because I'm a points :ahem:. And if I need to buy all new appliances or pay for a major repair, almost any of my cards would handle that individually...heck, once I consolidate the UMP and CSP, I could buy a CAR on that card (could today since I would probably buy a cheap car if I found I needed one).


I think we should appoint JoDa the head of the ccf ert team!
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

JoDa
Centurion Member
Centurion Member
 
Posts: 235
Joined: Tue Mar 12, 2013 10:10 pm
Location: United States

Postby JoDa » Sun Apr 06, 2014 1:32 am

I won't judge people, but I just don't get it. *If* I had sub-prime cards and had improved my profile to the point I could go prime, I'd app. *If* I needed more credit, I'd app. I don't think people should be afraid to app unless they're just apping to app OR they're contemplating a major credit purchase and inquiries will hurt them.

But I won't pay an AF on more than one card (personally, I do understand that there are people who can benefit from two or three if they spend in categories rewarded by different lenders...I personally don't, but some people do), and no-AF cards seem to be of little benefit to me right now. Your mileage will certainly vary, but I guess I'm ultimately sitting squarely on the fence. App if you need to, don't if you don't.
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun Apr 06, 2014 5:07 am

I'm all for drapp'ing - as long as it's not my credit!


But I agree with otter JoDa you'd be perfect for the ERT!

User avatar
otter
Centurion Member
Centurion Member
 
Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Sun Apr 06, 2014 8:43 am

JoDa wrote:I won't judge people, but I just don't get it. *If* I had sub-prime cards and had improved my profile to the point I could go prime, I'd app. *If* I needed more credit, I'd app. I don't think people should be afraid to app unless they're just apping to app OR they're contemplating a major credit purchase and inquiries will hurt them.

But I won't pay an AF on more than one card (personally, I do understand that there are people who can benefit from two or three if they spend in categories rewarded by different lenders...I personally don't, but some people do), and no-AF cards seem to be of little benefit to me right now. Your mileage will certainly vary, but I guess I'm ultimately sitting squarely on the fence. App if you need to, don't if you don't.


I think it all depends on what we need from our cards. Once I reach my required initial spend on my Arrival... I'll have my cards set up the way I want them... Sallie Mae for first $250/each in gas and groceries, BCE for any above that in groceries, Freedom and Discover for categories, Arrival for general spending, PRG because I need some emergency travel benefits because I drive extensively in the least populous part of the lower 48. WF and the Duck are going soon...
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

Obi-dan
Centurion Member
Centurion Member
 
Posts: 190
Joined: Fri Aug 02, 2013 2:35 pm
Location: Houston, TX

Postby Obi-dan » Mon Apr 07, 2014 12:48 am

JoDa wrote:I won't judge people, but I just don't get it. *If* I had sub-prime cards and had improved my profile to the point I could go prime, I'd app. *If* I needed more credit, I'd app. I don't think people should be afraid to app unless they're just apping to app OR they're contemplating a major credit purchase and inquiries will hurt them.

But I won't pay an AF on more than one card (personally, I do understand that there are people who can benefit from two or three if they spend in categories rewarded by different lenders...I personally don't, but some people do), and no-AF cards seem to be of little benefit to me right now. Your mileage will certainly vary, but I guess I'm ultimately sitting squarely on the fence. App if you need to, don't if you don't.


Only speaking for myself, I have spent better part of last six months trying to find out which is the right combination of cards for my wife and I. So right now I have more than I would like but I think we will be closing some out soon.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

User avatar
nismoZtuner
Centurion Member
Centurion Member
 
Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Mon Apr 07, 2014 1:28 pm

Dr.Mark wrote:Man, I hope my fiancé doesn't read this or she'll never let me apply for the CSP! Just kidding.


Well done, though. I hope it'll get you a lot more than that with this girl! ;)


Vegas time!
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests