Walked in for a Chase Savings account ended up with a new addition!!

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
37 posts
User avatar
nismoZtuner
Centurion Member
Centurion Member
 
Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Thu Mar 20, 2014 12:55 pm

luvbullmarkets wrote:Congrats.

You should really try to get the Chase Freedom as well. The UR points can be combined to redeem awards and cash back.


I think this will be my last card for the a few years. my first CC that will expire soon is the BOA cash rewards next year(8/2015). so yeah no more card for a while.
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22


User avatar
nismoZtuner
Centurion Member
Centurion Member
 
Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Thu Mar 20, 2014 1:19 pm

Vattené wrote:the limit will really boost your total CL and utilization.


credit karma simulator shows that my score will drop from 763 to 699..

Hopefully that is a load of BS and my score doesnt drop that much..
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

luvbullmarkets
Centurion Member
Centurion Member
 
Posts: 241
Joined: Thu Apr 21, 2011 1:02 am
Location: TPC Stonebrae

Postby luvbullmarkets » Thu Mar 20, 2014 1:34 pm

nismoZtuner wrote:I think this will be my last card for the a few years. my first CC that will expire soon is the BOA cash rewards next year(8/2015). so yeah no more card for a while.


Will you be closing the BOA card? I would advise against closing if it's one of your older accounts. That could have an adverse effect on your FICO scores.
Amex EveryDay, Amex BCE , Barclaycard Arrival+ WEMC, CSP Visa Signature, Discover it, Wells Fargo Propel 365 Amex

"Attack this day with a level of enthusiasm unknown to mankind." - Jack Harbaugh

User avatar
nismoZtuner
Centurion Member
Centurion Member
 
Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Thu Mar 20, 2014 1:55 pm

luvbullmarkets wrote:Will you be closing the BOA card? I would advise against closing if it's one of your older accounts. That
could have an adverse effect on your FICO scores.


No, I wont close it- but the card does expire on August 2015. I dont know if the bank will send me a notice to renew or something. Do they do that?
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

Patcell87
Platinum Member
Platinum Member
 
Posts: 61
Joined: Fri Mar 14, 2014 4:55 am
Location: Bergen County, NJ

Postby Patcell87 » Thu Mar 20, 2014 2:11 pm

nismoZtuner wrote:Well what I have been reading is that the annual fee will increase- but like the bank guy said "you'll be grandfathered". I`m not sure about the rest


Thanks for the tip!

linuxmachine
Centurion Member
Centurion Member
 
Posts: 309
Joined: Thu Feb 27, 2014 11:10 pm
Location: los angeles

Postby linuxmachine » Thu Mar 20, 2014 2:12 pm

nismoZtuner wrote:No, I wont close it- but the card does expire on August 2015. I dont know if the bank will send me a notice to renew or something. Do they do that?


They will just send you a new card

User avatar
nismoZtuner
Centurion Member
Centurion Member
 
Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Thu Mar 20, 2014 2:17 pm

linuxmachine wrote:They will just send you a new card


I see. Well that sucks!

I haven't used it in over a year- I wonder if they close due to inactivity..
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

User avatar
Z06Biker
Centurion Member
Centurion Member
 
Posts: 464
Joined: Fri Apr 12, 2013 5:39 pm
Location: Los Angeles

Postby Z06Biker » Thu Mar 20, 2014 6:15 pm

Generally, when it comes to no annual fee cards, it's best to put a charge through them every now and again (3-4 months or so) just to keep them active.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

User avatar
nismoZtuner
Centurion Member
Centurion Member
 
Posts: 1105
Joined: Thu Jun 27, 2013 12:39 pm
Location: EARTH -CA

Postby nismoZtuner » Thu Mar 20, 2014 6:18 pm

Z06Biker wrote:Generally, when it comes to no annual fee cards, it's best to put a charge through them every now and again (3-4 months or so) just to keep them active.


haven't used mine in about a year now-
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

linuxmachine
Centurion Member
Centurion Member
 
Posts: 309
Joined: Thu Feb 27, 2014 11:10 pm
Location: los angeles

Postby linuxmachine » Thu Mar 20, 2014 6:18 pm

Z06Biker wrote:Generally, when it comes to no annual fee cards, it's best to put a charge through them every now and again (3-4 months or so) just to keep them active.


unless it's a cap1. last active charge was 5 years ago and i just got new card in the mail... :P



Return to “Visa & MasterCard”

Who is online

Users browsing this forum: No registered users and 2 guests