Withdrawal

For just about anything you want to get off your chest about credit cards.
23 posts
FutureBillionaire
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Withdrawal

Postby FutureBillionaire » Tue Nov 27, 2012 6:17 pm

I must say, I'm going through credit card withdrawal. I haven't seen any card that is worth adding to the collection. In addition, I have cancelled a Bank of America card and I'm considering cancelling my Amex charge card. I'm waiting for the next big thing I guess, like the US Bank Cash +.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape


Ratfacedudeguy
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Location: Baltimore

Postby Ratfacedudeguy » Tue Nov 27, 2012 6:59 pm

Man I feel you on that one. I have been feeling lately that the market has gotten a bit dry, with nothing too exciting coming out since the Cash + like you said. Who knows. Maybe 2013 will bring some cool new accounts to chase (no pun intended), much to the dismay of my ever-dwindling AAoA.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

MemberSince99
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Location: WI

Postby MemberSince99 » Tue Nov 27, 2012 9:29 pm

With all due respect, you guys pretty much have anything worth having, and have a lot of cards. Not sure what you'd even do with more.


agp
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Postby agp » Tue Nov 27, 2012 11:11 pm

I want more cards too! Something with good cash back/point categories and a good design.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

FutureBillionaire
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Postby FutureBillionaire » Wed Nov 28, 2012 9:27 am

MemberSince99 wrote:With all due respect, you guys pretty much have anything worth having, and have a lot of cards. Not sure what you'd even do with more.


I agree. It is just the thrill of the chase. Ultimately, I would like to end up with 5% back on every single thing I do. I'm not there yet.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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Snowman
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Postby Snowman » Wed Nov 28, 2012 10:35 am

I agree with 99, FB you have what, 11-12 cards...I wonder how you manage to spend enough on all of them, I mean I'm fine with 4, 5 the max. Anymore and I lose count...lol.
Cards And Credit History
Bank Of America: BankAmeriCard Cash Rewards-4/25/12-1,000$ (CLI Increase on 6/15/13)
Citi: Forward-10/27/12-3,000$ (SP CLI 2/8/14)
Discover: More. 10/27/12-2,000 (Auto CLI 5/31/14)
Amex: PRG.- 11/24/12 (Closed 12/13/13) Amex BCE.2k-12/7/13. Amex SPG-4k.-12/8/13
Chase: Freedom-2,400-5/1/13. Southwest Rapid Rewards Plus- 3,600- 6/15/13.
Future Cards
Marriott Premier Rewards
American Airlines AAdvantage Gold
Chase Sapphire Preferred
Fidelity Amex

FutureBillionaire
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Postby FutureBillionaire » Wed Nov 28, 2012 11:19 am

Snowman wrote:I agree with 99, FB you have what, 11-12 cards...I wonder how you manage to spend enough on all of them, I mean I'm fine with 4, 5 the max. Anymore and I lose count...lol.


I align my credit card bills with my payperiods. I use the cards evenly between the two. I have all the cards I need to make sure I get top cash back throughout the month. I think I can earn over $2k cash back next year.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape


cashback
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Postby cashback » Wed Nov 28, 2012 12:05 pm

FutureBillionaire wrote:I align my credit card bills with my payperiods. I use the cards evenly between the two. I have all the cards I need to make sure I get top cash back throughout the month. I think I can earn over $2k cash back next year.


Over 2k next year eh? Looks like we can have a little competition.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

FutureBillionaire
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Postby FutureBillionaire » Wed Nov 28, 2012 12:43 pm

cashback wrote:Over 2k next year eh? Looks like we can have a little competition.


Let's do it. The BCP will help me earn cash back pretty much on anything I have to buy. I'm going to use gift cards to everywhere I go next year. I want 5% back on everything I do. The citi forward, penfed cards, bcp, and discover will help me with that.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

cashback
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Postby cashback » Wed Nov 28, 2012 12:56 pm

FutureBillionaire wrote:Let's do it. The BCP will help me earn cash back pretty much on anything I have to buy. I'm going to use gift cards to everywhere I go next year. I want 5% back on everything I do. The citi forward, penfed cards, bcp, and discover will help me with that.


Alright, game on. You need to find a grocery store with a fuel savings program. If you count that money I think you could get to 7 or 8% on everything (which is what I'm shooting for). Also, check out Ebates.com if you haven't already. It's basically the same as ShopDiscover but with more stores. ShopDiscover makes up for having less stores with a better % back though.

If you decide to sign up for Ebates, PM me so I can get a referral!
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781



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