- Centurion Member
- Posts: 195
- Joined: Mon Oct 29, 2012 2:50 pm
- Location: Boston
Gamma wrote:My gosh why do you have so many cards? If it's for utilization, that seems to be far too many cards for that purpose. I notice you also have a Simplicity and a Diamond Preferred so why do you have 3 balance balance transfer cards?
I'm a bonus churner. Some of the weak cards (Citi cards and credit union cards) I've had for such a long time there is no point in cancelling them. They are used once every six months for some minor purchase and put right back in my lockbox.
Diamond Preferred is not a balance transfer card.
My only real balance transfer cards:
-Chase Slate (Once the promo ends, I'll PIF and then product change it)
-Citi Simplicity (See above)
-CCCU Platinum (They have balance transfer offers every month for me, but I don't use em).
My only cards with a balance are the Chase Slate and Simplicity. Like I said above, once the promotion ends both will be paid in full.
Most of the other cards are for bonus churns only.
Also, to answer in advance......my yearly income is $30,000. So my available credit is three times my income. One of my goals in 2013 is to get up to $100,000 available credit by the end of the year.
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000
Current total limit: $129,500