Credit Card Forum
+ Reply to Thread
Page 1 of 2 1 2 LastLast
 
  1. #1
    FutureBillionaire
    FutureBillionaire is online now
    Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,341

    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 cash 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: US Bank Cash +, 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     Feb 5, 13, 5:04 pm
  3. #2
    DavidNY
    DavidNY is offline
    Centurion Member DavidNY's Avatar
    Join Date
    Jul 2011
    Location
    New York
    Posts
    1,112

    Default

    Congrats on the new arrivals and enjoy your free flights.
    Credit cards from banks, deposits in credit unions.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote     Feb 5, 13, 6:16 pm
  4. #3
    Gamma
    Gamma is offline
    Centurion Member
    Join Date
    Sep 2012
    Location
    Los Angeles, CA
    Posts
    177

    Default

    Grats. Did you end up applying for the Ink?
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote     Feb 5, 13, 6:58 pm
  5. #4
    FutureBillionaire
    FutureBillionaire is online now
    Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,341

    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 cash 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: US Bank Cash +, 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     Feb 5, 13, 8:05 pm
  6. #5
    DavidNY
    DavidNY is offline
    Centurion Member DavidNY's Avatar
    Join Date
    Jul 2011
    Location
    New York
    Posts
    1,112

    Default

    Did you apply for the cards at the same time in two browsers or one after the other?
    Credit cards from banks, deposits in credit unions.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote     Feb 5, 13, 8:07 pm
  7. #6
    CoolBradG
    CoolBradG is offline
    Green Member
    Join Date
    Oct 2011
    Location
    Michigan, USA
    Posts
    17

    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)
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote     Feb 5, 13, 8:22 pm
  8. #7
    kcarter609
    kcarter609 is offline
    Centurion Member
    Join Date
    Aug 2012
    Location
    NJ
    Posts
    416

    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 ($5k Limit - 8/2012)
    Chase Sapphire Preferred ($5k Limit - 2/2013)
    Discover IT ($5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($5k Limit - 1/2013 - Backdate to 1/2010)

    Sock Drawer:
    PNC Points Visa ($500 Limit - 7/2009)
    Capital One Platinum Mastercard ($750 Limit - 10/2009)
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote     Feb 5, 13, 8:30 pm
  9. #8
    FutureBillionaire
    FutureBillionaire is online now
    Centurion Member
    Join Date
    Jun 2011
    Location
    Down South
    Posts
    1,341

    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 cash 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: US Bank Cash +, 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     Feb 5, 13, 8:45 pm
  10. #9
    kcarter609
    kcarter609 is offline
    Centurion Member
    Join Date
    Aug 2012
    Location
    NJ
    Posts
    416

    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 ($5k Limit - 8/2012)
    Chase Sapphire Preferred ($5k Limit - 2/2013)
    Discover IT ($5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($5k Limit - 1/2013 - Backdate to 1/2010)

    Sock Drawer:
    PNC Points Visa ($500 Limit - 7/2009)
    Capital One Platinum Mastercard ($750 Limit - 10/2009)
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote     Feb 5, 13, 8:52 pm
  11. #10
    cashback
    cashback is online now
    Centurion Member
    Join Date
    Oct 2012
    Location
    NY
    Posts
    565

    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+ 8K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 6K --- Amex SPG 2K --- Citi Thank You Preferred 10.5K

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

    Future Cards
    Citi Forward, Chase Ink Classic, Sallie Mae World Mastercard

    FICOs
    Exp 772 - TU 781 - Equ 781
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote     Feb 6, 13, 5:37 am
« Previous Thread | Next Thread »
Advertising Disclosure: CreditCardForum is an independent, advertising-supported comparison service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.