- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
"Hard pull." I'm not picking on you, but it amazes me how this term has worked its way into our consumer lexicon. It wasn't that long ago that nobody cared about credit scores and reports. The folks at Fair Isaac and the three reporting agencies and Suze, etc. have everybody brainwashed that their credit score is some giant financial planning tool. It's not. As long as it's decent, which it will be if you pay your bills conscientiously and consistently, you'll be fine.
If you apply for a new card or ask for a credit line increase. you'll wind up with the dreaded hard pull.
I suggest you get a second card, though. Don't accept anything with an annual fee or anything with less than 1% cash back. Obviously because your spending is low, tiers don't work for you.
Get the Chase Freedom.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.