Don't ever pay interest. That's an immediate losing proposition.
-
Ever wanted an RSS feed of all your favorite gaming news sites? Go check out our new Gaming Headlines feed! Read more about it here.
-
We have made minor adjustments to how the search bar works on ResetEra. You can read about the changes here.
Don't ever pay interest. That's an immediate losing proposition.
Well, that card was full of a couple of emergencies. Not always an option.
Looking for a new card to use responsibly and productively now that I'm no longer dealing with that debt.
Chase Double Cash Back. Flat 2% on everything. There are better cards for specific spend patterns, but as a generic daily driver, it's hard to beat 2% across the board.
I have the Paypal Mastercard, I'm sure it's not as good in terms of APR. But since I pay it back every month it doesn't really matter. 2% cash back with no restrictions as well.
I think I'd like both eventually. I'd like to get the sign up bonus for one of the travel cards (Sapphire Preferred looks like the best at the moment), but I also want a daily driver card to get cashback. The Capital One Savor honestly looks like a pretty good fit for how I tend to spend, so I might go with it.
I will look at the Double Cash Back card too though. Thanks guys.
Hmm I got instant approval, already signed up for my Priority Pass membership.
Hard pulls don't mean much in the grand scheme of things. But you should have tried for a Ink Preferd and got the CSP right after being accepted for the Ink. That would have combined the pull.
Call it in and see what's up, did you have a history with Chase beforehand?
Only reason I say that is because they have to give you a $10,000 credit line on it. Sometimes they are a little hesitant to do that if you have no history with them.
Didn't think of getting the Ink because I don't have a tax ID.
Don't need one, just a SSN and apply under a sole proprietor. AMEX Business cards are the easiest.
Urgh. They couldn't verify my social or address.
Now they want me to fax(!) proof.
What the fuck is a fax?/s
What would people recommend instead of the Chase Sapphire Reserve for someone who wants to redeem a signup bonus for travel? From doing some googling I think the answer may be the Chase Ink Preferred if I can meet the min-spend (apparently venmo works?)
I signed up for a Chase Sapphire Preferred almost a year ago, and was going to product change to a Freedom while applying for a Chase Sapphire Reserve, but forgot they limit sign-up bonuses to once every 48 months now.
Other cards I have:
Capital One Venture - Became my daily driver since the 2x points on everything + 10x on hotels.com + ability to erase travel charges works well for me. I tend to look for good deals via budget airlines like Norwegian/Wow instead of booking through airline partners.
Amex Blue Cash Everyday - Only use this for some recurring billings in order to keep my average age of accounts up, opened it 6+ years ago
Uber Visa Card - Just opened this so my GF and I have an easy way to split shared charges. It's a toss up on whether or not we're better off with this vs. the SavorOne but I couldn't get the latter without waiting another month for the capital one application clock to start.
I signed up for a Chase Sapphire Preferred almost a year ago, and was going to product change to a Freedom while applying for a Chase Sapphire Reserve, but forgot they limit sign-up bonuses to once every 48 months now.
Other cards I have:
Capital One Venture - Became my daily driver since the 2x points on everything + 10x on hotels.com + ability to erase travel charges works well for me. I tend to look for good deals via budget airlines like Norwegian/Wow instead of booking through airline partners.
Amex Blue Cash Everyday - Only use this for some recurring billings in order to keep my average age of accounts up, opened it 6+ years ago
Uber Visa Card - Just opened this so my GF and I have an easy way to split shared charges. It's a toss up on whether or not we're better off with this vs. the SavorOne but I couldn't get the latter without waiting another month for the capital one application clock to start.
For me:
Global Entry fee covered.
Priority Pass lounge access.
3% at restaurants and travel-related expenses, which then becomes 4.5% back because I redeem points for travel.
No foreign-transaction fees.
I have never had to wait on the phone for Chase customer service.
One of the few American credit cards with Visa Infinite concierge. They had set up a restaurant reservation in Japan, then bailed me out when I was 15 minutes from a restaurant reservation and couldn't find the nondescript entry in a busy city block. Maybe the more common Visa Signature concierge would've been the same (never tried), but I was pretty impressed at how dedicated they seem to the task. Two reps had to help me, one who could read Japanese. It would have been 4 AM on the East Coast when I called.
Edit: just read on a credit card points site that the overall Chase concierge experience is actually pretty subpar, compared to AMEX and Citi's. Interesting.
The trip cancellation and auto rental collision damage waiver (primary coverage) I haven't used.
Last edited:
I'm looking to get a travel card and have excellent credit. I have a trip to book coming up that is worth around $3500.00. The charge will be through a travel agency though. What would be my best option for a travel card? I'm not a huge traveler, probably 1 big trip a year. But is there any hidden literature about travel agency not counting in some way on a specific category for rewards points or cash back?
Pshh now is the perfect time for a card.
Most of the major cards categorize that as travel. I can't imagine one that doesn't.
I'd get the Chase Sapphire Reserve. You'll make the minimum spend easy.
Ink Preferd, best sign up bonus from Chase and lower annual fee. Plus you get the travel portal. CSR does get proirity pass which is ace if your home base has a lounge though.
I would personally hit up two Ink cards and get either the CSP or CSR. Then hit up your hotel cards and airlines, throw a Freedom card in there before you hit 5/24.
Thanks all for the input.
I've looked into this more and I see how the Ink Preferred would maximize my rewards value for this specific jumping off point. But how do I go about getting a business card without a business, just put sole proprietor and SSN in the EIN. Has there been good success at getting this to go through with no follow up/Interrogation?
How accurate is credit karma approval chance ratings? For the CSR it shows excellent chance but for the CIP it shows only "Fair". And if I get declined for the CIP, does that hurt my chances of then applying for CSR? I only have my Chase Amazon Signature card from chase at the moment and that was opened like 6 years ago. Thanks for any assistance, this is all very eye opening to me now that i'm doing some research into it haha
I've looked into this more and I see how the Ink Preferred would maximize my rewards value for this specific jumping off point. But how do I go about getting a business card without a business, just put sole proprietor and SSN in the EIN. Has there been good success at getting this to go through with no follow up/Interrogation?
How accurate is credit karma approval chance ratings? For the CSR it shows excellent chance but for the CIP it shows only "Fair". And if I get declined for the CIP, does that hurt my chances of then applying for CSR? I only have my Chase Amazon Signature card from chase at the moment and that was opened like 6 years ago. Thanks for any assistance, this is all very eye opening to me now that i'm doing some research into it haha
Last edited:
Does anyone have anything bad to say about the Chase Freedom Unlimited? I have the Sapphire Preferred and just looking at getting the extra boost in points for the miscellaneous stuff.
Other cards are the Amazon Visa and Discover it.
Other cards are the Amazon Visa and Discover it.
I have reserve as well as freedom and freedom unlimited. Combine all the points.
How bad are idle cards? We have two cards we ended up finishing paying off Q1 of last year that we still have but haven't been using at all. We were once really diligent about charging on all of our cards then making sure they were paid, but we paid these two to zero, then got a little complacent and haven't used them for anything. It's been almost a year now, I haven't checked any scores or anything (I doubt that's necessary, and we still have 2 other cards we use and pay just fine).
I guess Im asking, if the two other cards we are using (3 if we count occasional car stuff on a Firestone card) is enough that we can safely keep our other 2 cards unused without having to worry about credit degradation of some sort.
I guess Im asking, if the two other cards we are using (3 if we count occasional car stuff on a Firestone card) is enough that we can safely keep our other 2 cards unused without having to worry about credit degradation of some sort.
I think the regular Freedom is a better card because of categories and 1% on everything else, but its not a bad card.
I had an Amazon card for about 2 years and got both CSR and CIP no problem
It won't ever not boggle my mind that a utility bill is enough to prove where you live...
Obviously not something anyone could ever produce with Word in under two minutes.
Obviously not something anyone could ever produce with Word in under two minutes.
Do any of your cards have 10k+ limits? If you do, you got a good chance at either the CIP or CSR.
My Amazon Chase card is at 10k. I just put in for CIP today and got the 30 day response on the automated line. Fingers crossed would love to get this card.
I'd just use them once in awhile for something small and then pay them off when you get the bill. I did have a card cancelled on me once because I never used it.
The good thing about having those cards is that it increases your available credit which can help with utilization rate and your credit score.
That's exactly what I was wondering about. Okay thanks. I don't want to have those close because they are indeed huge chunks of our available credit.
Do whatever you have to to hit the minimum spend. Move all expenses over. Get those bonus miles and that will pay for a whole new trip.
Down the line get the CSR. Better card to have in your wallet
Yeah minimum spend will be easy to hit since I'm dropping 3700 on it right away for my trip in May. I'll wait the 3 months and then definitely go for the CSR next.
Get the csr. Move all points to that card and make the minimum spend on that one too.
Whoop whoop,
CSR has been approved with an insane credit limit. I think it might just about double my available credit limit in one fell swoop. :p
AMEX's Membership Rewards redemption is so trash that I'm not even going to bother buying groceries with my AMEX card anymore. The card is only worth it for those AMEX offer cash back deals through Amazon and other cash back promotions for certain restaurants. I'm supposed to get 2% from groceries (I have no other card for groceries), but instead I'm just going to use my Chase Freedom Unlimited for groceries and transfer them to my Chase Sapphire for a total of 1.9% back (1.5 pts * 1.25%).
I'm also kept going back and forth about whether I should get the UBER Visa credit card. It seems like a very good for a card with no annual fee. If was to make this move, I would be then downgrading from my sapphire preferred and would need to be exclusively using this card for everything until I decide to get reserve (there's no large purchase I need to make at the moment, so I'm not considering the Chase Reserve until that time comes).
I'm also kept going back and forth about whether I should get the UBER Visa credit card. It seems like a very good for a card with no annual fee. If was to make this move, I would be then downgrading from my sapphire preferred and would need to be exclusively using this card for everything until I decide to get reserve (there's no large purchase I need to make at the moment, so I'm not considering the Chase Reserve until that time comes).
You can't get the Reserve if you have the Preferred. Chase implemented a "One Sapphire" rule a while ago.
And there is 48 months now between bonuses https://runningwithmiles.boardingar...e-48-month-policy-worst-amex-lifetime-policy/
So you're looking to just product change your Preferred to Reserve now, unless you've had that Preferred for 4 years