Snowman it sounds like you would make best use of the SPG. You already have 3% gas with your BofA card and BCP would only match that for a 75 dollar fee, and you wouldn't get the grocery value. And BCE is pointless then you might as well use BofA, just in terms of rewards, and Discover and Freedom both give 5% gas rotating categories anyway. So I'm not seeing you getting value from a BCP or the BCE really. SPG sounds like you could use it.
I laugh when they talk about "escaping" the garden there too, you almost could picture a Jonestown like place, where "God" is no inquiries and who would want to leave their little garden of Eden? Drink the Koolaid, what's the worst that could happen?
Some of those folks are fanatics. You know what they will say every time someone asks a question. Example: Should I app for XXX? Answer: NO you'd lose your bronze spade how could you live with that even if you got a 10k starting limit do NOT apply for that Duck or Beaver card or you will ruin the rest of your life which you just made shorter by leaving the garden!!!! Should I ever close a credit card? NO hell no never not even if you are paying 500 dollars a year in fees for a 200 limit card, if you do a tsunami will hit your home and kill your family even if you live 1000 miles from the coast NEVER CLOSE A CARD!!!!
For laughs I'd love to post annoying questions on there (they'd ban me very quickly I'm sure) like I work for a bank and in our daily 2 hour morning meeting today at the end when people's bladders were about to split and a few were almost dead from boredom, the meeting organizer asked "Does anyone have any further questions?" meaing our cue to escape that hell, and one of the deranged sycophants raised his hand and asked "How can we achieve total quality while maintaining customer focus and remaining market driven?" and thus prolonged the agony for another hour. I couldn't think of an answer what do you guys think?
Actually I've seen that happen and honestly I fantasized about what it would be like to strangle the person who prolonged the pain with the projector cord but that had nothing to do with the issue!
Speaking of FICO someone posted the question "What does PC mean" and I thought it means politically correct, like what you'd best be along with a brown noser if you want to be able to post here! But I can't post that unfortunately.....