Credit Card Forum
  1. #1
    Green Member
    Join Date
    Jan 2013
    Location
    Sterling/CO
    Posts
    4

    Default Anything I'm Missing?

    Looking to maximize with cash back cards, think I've got it set up for the most part.

    Have so far
    -Penfed Platinum Cash Rewards - Use for 5% on gas only
    -Chase Freedom - Rotating 5% mostly
    -Amex Everyday Blue Card - 3% on groceries
    -Discover It - Online Purchases
    -Chase Sapphire Preferred - Currently using for 40,000 points back

    Soon to come
    -Capital One Cash Rewards - Get after Sapphire Bonus for most purchases
    -US bank Cash + - was going to until I heard bill pay was gone.

    Any other recommendations? I'd prefer to stay away from annual fees. Don't do much traveling but might be looking into a hotel/airline given those expenses add up when they do come up.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  2. #2
    Green Member
    Join Date
    Jan 2013
    Location
    Sterling/CO
    Posts
    4

    Default

    Also applied by phone for Citi Forward Student Card (don't see why it wouldn't be approved) for the entertainment rewards. Tried getting the Priceline Visa but was declined. No history with Barclay the reason?
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  3. #3
    Centurion Member
    Join Date
    Jul 2011
    Location
    New York
    Posts
    1,341

    Default

    Did you call the card issuers to have them reconsider your application? Sometimes that's what it takes, even if you have excellent credit.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  4. Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,587

    Default

    PC your platinum cash rewards to the platinum rewards so you can get triple points on groceries. Then, I would PC your BCE to a BCP to get max cash back on that card.
    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
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  5. #5
    Green Member
    Join Date
    Jan 2013
    Location
    Sterling/CO
    Posts
    4

    Default

    Wow!! Just called on that reconsideration...approved and good to go. I would have been stuck with 1% without you guys lol. Thanks a bunch.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  6. #6
    Centurion Member MemberSince99's Avatar
    Join Date
    May 2012
    Location
    WI
    Posts
    4,324

    Default

    David is right - for sure recon with Barclays. They are one of the easier lenders to recon with. BUT don't push your luck by apping for a bunch of cards in the first 6 months after approval if you do.

    I applied for an Apple Financing Visa January 2012, it was declined. I called for recon and it was approved on recon, but they did another hard pull, so be aware of that as well.
    FICOS
    TU: 771 April 2014
    EQ: 777 April 2014
    EX: 779 April 2014
    TU08 (Barclay's) 798 April 2014 Statement
    Discover 791 June 15 2014

    Cards:
    Amex Platinum NPSL (5/13 - backdated to 5/99)
    BofA Travel Rewards Signature Visa 10k (1/14)
    Chase Freedom Signature Visa 11.5k (1/14)
    Amex Everyday Preferred 6k (3/14 - backdated to 3/99)
    Amex Hilton HHonors Surpass 9.5k (7/14 - backdated to 7/99)
    FNBO Dodge MasterCard 12.8k (8/14)
    Lowe's 10k (8/14)

    Garden: Card carrying Garden Club member. Gardening for life (and beyond)!
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  7. #7
    Centurion Member
    Join Date
    Dec 2012
    Location
    Chicago
    Posts
    120

    Default

    You may consider 2% cash back no annual fee Priceline visa for stores like Walmart. That is better than Capital one world which gives 1.5% cash back
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  8. Green Member
    Join Date
    Jan 2013
    Location
    Sterling/CO
    Posts
    4

    Default

    Quote Originally Posted by DavidNY View Post
    Did you call the card issuers to have them reconsider your application? Sometimes that's what it takes, even if you have excellent credit.
    Thanks for the heads up, the approved my recon. Would have been stuck with 1% without the info, thank you. My grocery rewards has taken a hit because the town I just moved to only has a walmart, so not much point in changing my penfed or Amex.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

+ Reply to Thread
 
These forum posts are not provided or commissioned by the bank advertiser. Posts have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Advertiser Disclosure: The credit card offers that appear on this site are from credit card issuers from which CreditCardForum.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CreditCardForum.com does not include all credit card offers that might be available to consumers in the marketplace.