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  1. #1
    Centurion Member
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    Default Mini app spree successful

    I applied for and was approved for the CSP and Freedom today. I'm going to use these Ultimate rewards to my hearts delight. I fell in love when I realized that I could transfer points to Southwest for free flights. I'm all over this.
    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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  2. #2
    Centurion Member
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    Default

    Congrats on the new arrivals and enjoy your free flights.
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  3. #3
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    Default

    Grats. Did you end up applying for the Ink?
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  4. Centurion Member
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    Default

    Not yet. I'm thinking about that one still.
    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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  5. #5
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    Default

    Did you apply for the cards at the same time in two browsers or one after the other?
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  6. #6
    Green Member
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    Oct 2011
    Location
    Michigan, USA
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    Default

    If I may ask, how many hard inquiries do you have on your credit report right now?
    Credit Lines
    Discover IT (June 2010, 1.5k)
    Chase Freedom (Sept 2011, 2k)
    Dell Finance (April 2012, 2k)
    Chase Amazon (May 2012, 1k)
    American Eagle (Aug 2012, 4k)
    Kohl's (Sept 2012, 600)
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  7. #7
    Centurion Member
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    VA
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    Default

    Don't do the Ink until you finish the CSP/Freedom spending requirements to get the bonuses. Then you won't have to worry about it.

    By the way, how much total credit do you have available now? And what were the limits approved on the CSP/Freedom?

    Active Cards:
    Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
    Chase Sapphire Preferred ($10k Limit - 2/2013)
    Chase Ink Plus ($7k Limit - 2/2013)
    Discover IT ($9.5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)
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  8. Centurion Member
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    Default

    I average about 7 inquiries per bureau right now. 2-3 will be falling off in the next couple of months.

    I will have over 100k of total credit after I find out how much my Freedom was approved for. I have a pretty comprehensive list of cards at this point. Once I get the Ink, I should have everything covered for almost any type of expense.
    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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  9. #9
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    Default

    Quote Originally Posted by FutureBillionaire View Post
    I average about 7 inquiries per bureau right now. 2-3 will be falling off in the next couple of months.

    I will have over 100k of total credit after I find out how much my Freedom was approved for. I have a pretty comprehensive list of cards at this point. Once I get the Ink, I should have everything covered for almost any type of expense.
    What types of cash back/points do you see overall for a year? What are the total annual fees for the cards you have?

    Active Cards:
    Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
    Chase Sapphire Preferred ($10k Limit - 2/2013)
    Chase Ink Plus ($7k Limit - 2/2013)
    Discover IT ($9.5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)
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  10. #10
    Centurion Member
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    Oct 2012
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    NY
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    Default

    Quote Originally Posted by FutureBillionaire View Post
    I average about 7 inquiries per bureau right now. 2-3 will be falling off in the next couple of months.

    I will have over 100k of total credit after I find out how much my Freedom was approved for. I have a pretty comprehensive list of cards at this point. Once I get the Ink, I should have everything covered for almost any type of expense.
    I've got 7 right now as well. Forward, Ink, and CSP will be my next cards. But there is no rush for them.
    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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