Mini app spree successful

All about maximizing your rewards!
Members share tips and tricks for getting the most cash back, miles, & points.
14 posts
FutureBillionaire
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Location: Down South

Mini app spree successful

Postby FutureBillionaire » Tue Feb 05, 2013 7:04 pm

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


DavidNY
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Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Tue Feb 05, 2013 8:16 pm

Congrats on the new arrivals and enjoy your free flights.

Gamma
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Joined: Sat Sep 15, 2012 1:15 am
Location: Los Angeles, CA

Postby Gamma » Tue Feb 05, 2013 8:58 pm

Grats. Did you end up applying for the Ink?


FutureBillionaire
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Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Tue Feb 05, 2013 10:05 pm

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

DavidNY
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Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Tue Feb 05, 2013 10:07 pm

Did you apply for the cards at the same time in two browsers or one after the other?

CoolBradG
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Joined: Tue Oct 11, 2011 10:36 am
Location: Michigan, USA

Postby CoolBradG » Tue Feb 05, 2013 10:22 pm

If I may ask, how many hard inquiries do you have on your credit report right now? :confused:
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)

kcarter609
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Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Tue Feb 05, 2013 10:30 pm

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)


FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Tue Feb 05, 2013 10:45 pm

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

kcarter609
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Tue Feb 05, 2013 10:52 pm

FutureBillionaire wrote: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)

cashback
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Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Wed Feb 06, 2013 7:37 am

FutureBillionaire wrote: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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