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I'm a recent grad with almost no credit who got approved for a Citi double rewards card that I've been using for all of my expenses for the past 2 months. The card limit is very low so I end up hitting 80% or more each month. I tried to get the limit increased but they told me I had to hold the card for a minimum of 6 months before any increase would be approved. Anything I should know to avoid tanking my credit score?
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Dec 11, 2014 05:50
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I've been using the Citi Doublecash as my only credit card for over a year now but I have a couple large purchases coming up in the near future and think it would be a good time to expand into a travel card. From reading around a bit it seems like the Chase Sapphire Preferred would be good if I can hit the sign up bonus (plus it looks soooo sexy) but I've also read some things about how it works best with a Freedom card (or freedom unlimited)? Is that true or is it fine to use the CSP alone as a main card? Should I get two? Or three? Hard not to fall down the rabbit hole
Virtue fucked around with this message at 07:32 on May 22, 2016 |
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May 22, 2016 07:10
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pig slut lisa posted:The CSP is likely (but not definitely!) a good first travel rewards card for you to branch out into, and the Freedom would be a good card to pair it with if you want to get a second (not so sure about the Freedom Unlimited, personally...maybe someone else here is?). I travel US domestic for work ~1-2 times a year so being able to use points to upgrade to first for some of the longer flights would be nice. I also try to travel internationally for vacation once every year or two, primarily to Asia but I'd like to hit Europe eventually. In the past I've used mostly Delta and United with no real preference either way so I wouldn't lose any sleep if I had to stop using Delta/British Airways/Southwest. Googled the 5/24 rule and don't think it will be a problem since I'm only looking at 2 or 3 chase cards right now (CSP, Freedom, Freedom Unlimited). Remembering to check up on the quarterly 5% category bonus is doable -- it will probably just go on my calendar. Virtue fucked around with this message at 14:38 on May 22, 2016 |
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May 22, 2016 14:28
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Cacafuego posted:You want to use personal miles that you can (and should) use for vacation to upgrade your domestic work flights? If I have enough miles yeah. Wouldn't be my first choice though
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May 22, 2016 16:08
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Puppy Galaxy posted:Got an email from Capital One, apparently someone tried to use my card to donate $3865.60 to United Way and $2000 to the Red Cross. No other fraudulent activity occurred. Robin Hood is real
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Jul 18, 2016 19:25
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The CSP is really sexy.
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Jul 26, 2016 18:21
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gregday posted:I don't want it to matter to me that it's made of metal and doesn't have the number on the front, but dammit, it does matter. It's going to hurt to switch to the freedom once I hit the sign on bonus. I'll probably keep using it even though it's not as good for rewards because I'm dumb
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Jul 26, 2016 19:23
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gregday posted:There are rumors that next month Chase is launching some sort of "Chase Sapphire Elite" (or possibly Sapphire Reserve) card with a $300-400 AF and benefits to compete with the Amex Platinum and it's ilk. Is it sexier than the csp
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Jul 28, 2016 22:31
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But is it as sexy as the CSP?
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Aug 16, 2016 19:00
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ilkhan posted:When I used my CSP for 3 months to meet the min spend I was amazed at how many comments it got. Like, really? Its still just a CC. Nice cc = rich = a cool dude
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Aug 16, 2016 19:39
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I guess I'm in the lucky boat with large work related expenses at predictable intervals that I get reimbursed for.
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Aug 16, 2016 20:17
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gregday posted:Word is the CSR is a heavier, more clangy metal like the Ritz Carlton card and not like the CSP, for people who care about such things. I don't spend nearly enough to warrant this AF over the CSP but I'm a big baby and will end up getting one anyway.
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Aug 22, 2016 22:40
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The youtube videos I've watched suggest that the CSR is the same metal as the CSP so no incentive to upgrade there but that 100k sign up bonus is too good to pass up. Won't be applying until the end of the year though so crossing my fingers that they don't pull the bonus before then.
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Aug 31, 2016 08:34
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Pryor on Fire posted:Well, just experienced a retailer orgasm for the first time when I handed a clerk the CSR. I could get used to this, giving people orgasms loving owns. I thought it was the same as the csp. Is that not true?
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Sep 9, 2016 22:26
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Hot Dog Day 42069 posted:First time for everything, I guess. drat
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Sep 10, 2016 05:34
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Hot Dog Day 42069 posted:Chase Freedom's holiday quarter 5% isn't Amazon this year. It's department stores. Makes me want an amazon card but I'm right under the 5/24 and I have a butt load of business trips next year. Gonna hold out for that CSR if the bonus isn't pulled before then
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Sep 17, 2016 04:39
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Looks like I won't be getting much mileage out of the freedom this holiday season. Unless maybe present shopping?
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Sep 17, 2016 23:39
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wyoak posted:Also, depositing lots of smallish money orders is a pretty good way to freak out your bank (and potentially get the attention of the IRS). This reminds me of the time my bank account got frozen because of diablo 3 ah transactions
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Sep 23, 2016 23:20
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Krunge posted:Rather than maximizing my cash back, I'm hoping to get approved for the highest limit possible that I can get with a 700 credit score and a graduate student (re: basically no) income. Graduation is coming in 7 months I'm expecting to need to live off credit for up to 2 months afterward while I find a job, if I am not so blessed as to have one lined up before graduation. How much could I get and where should I look? I have pre-approvals for $1,500 limits coming through the mail, but that's not enough and I'd prefer not to apply to multiple cards (I like to keep my credit card management minimal). This sounds like a terrible idea
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Nov 2, 2016 01:05
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Sits on Pilster posted:I'm having a bit of a difficult time deciding on a card. Current options being considered are the: Why not more than one card? You have a ton of spending so you shouldn't have a problem hitting the sign up bonuses
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Nov 7, 2016 19:32
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Leon Trotsky 2012 posted:They are still posting $5 billion in quarterly profit and Dimon says that the loss is a great thing because it means so many people signed up. If only 20% of those people keep their cards for more than a year, then they will come out ahead. Alright yall I'm signing up in March so hold out until then
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Dec 12, 2016 05:06
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THF13 posted:Chase Sapphire Reserve signup bonus is being reduced from 100k down to 50k as of January 12th, though the offer will apparently still be available if you apply inside a branch until March 12th. Ooh that sucks. My travel might fall outside of that window. I guess I could take a chance and apply for it anyway.
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Jan 4, 2017 03:52
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Insane Totoro posted:Girls love it I like to tell myself this is true but really I just love how cool it is
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Apr 2, 2017 23:20
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The annual fee for my CSP is coming up and I haven't used the card in months between my CSR, freedom, and double cash. Should I look to cancel or downgrade to either a freedom unlimited or no fee sapphire? My first thought was freedom unlimited but then I wouldn't be able to churn that card in the future for the bonus right
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Jun 17, 2017 20:22
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pig slut lisa posted:What are you planning to do with your CSR when that annual fee hits? You need to have either a CSP or a CSR in order to be able to transfer your URs to travel partners. I'm keeping the CSR for the long haul (unless something better pops up). Plan to continue churning Chase UR points
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Jun 18, 2017 01:29
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Does CC autopay in full do the last statement balance or the total balance as of the payment date? Like if I made a purchase that cleared January 2nd, would it be included in the autopay on January 3rd?
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Jun 19, 2017 21:25
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Russian Bear posted:If you value UR points, the FU earns 2.25% once you transfer to the CSR. If you max out the 5% categories, you can PC the CSP into another Freedom. Or just cancel and apply again once you're 24 months past the bonus. Hmm maybe this should replace my doublecash then
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Jun 26, 2017 06:20
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Cacafuego posted:How does the rental car insurance payout work with the Chase sapphire preferred card? I was under the assumption that chase card services would pay the cost of the deductible and my primary insurance would pay everything else? Edit: rewriting because this was phone posting gibberish Was there a liability issue or just damage to the car? Don't have the language in front of me but personally I wouldn't file a claim over 400 bucks if you have a clean record otherwise. The accident free discount is probably larger than that. Virtue fucked around with this message at 04:30 on Aug 31, 2017 |
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Aug 31, 2017 04:23
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Whoops I forgot to do the math and figure out if the csr is worth keeping. I do travel at least once a year and sometimes twice so I took it for granted that it was worth the fee. Haven't spent my chase balance yet anyway so I'm in for at least another year
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Sep 11, 2017 19:33
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Maybe I should r[place my csr with the Uber card. I still have a ton of chase ur points though
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Oct 26, 2017 19:33
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Insane Totoro posted:Well is it a sweet metal card? Asking the important questions.
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Oct 27, 2017 19:03
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OnceIWasAnOstrich posted:Say I charge $10,000 of airline flights per month on average on a card with no guarantee on any particular airline. Are there any cards that are going to be more efficient than the Sapphire Reserve? Open a card with every airline for free upgrades all day erryday?
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Nov 9, 2017 16:28
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astral posted:Just a reminder that you can register your Chase Sapphire Reserve Priority Pass to get the digital membership card now. If you already had a priority pass account, you're still forced to make a new one because technology is difficult for them. Oh hey this is cool. Gonna give it a try tomorrow. I registered for the card but managed to forget it every time I flew since.
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Nov 17, 2017 00:04
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Speaking of Barclays, anyone having experience using Apple Financing with the Barclaycard Visa? Planning to gift someone a macbook this Christmas and I could pay it lump sum but the 0% interest caught my eye. If I'm understanding it right though it's basically a credit card that only works at apple so it would affect my credit like any other card? Might as well use another cashback card unless I'm missing something.
Virtue fucked around with this message at 06:54 on Dec 8, 2017 |
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Dec 8, 2017 06:45
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astral posted:You can have more than one Chase Freedom through a product change, though, which is useful when you're already maxing out the 5% categories in a single month. Or are you saying you already have 3+ regular Freedom cards? This is useful to know.
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Jan 19, 2018 22:49
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Small White Dragon posted:Apparently Chase is getting rid of return protection and price protection on a lot of its cards. Hm I just got a mileage plus explorer to buy some gadgets with. Bad timing i guess.
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Apr 11, 2018 04:16
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I've been sitting on the chase trifecta (CSR/freedom/FU) for a few years now with no credit card applications since. Between now and my CSR renewal I expect to burn through all of my UR points so I'll cancel the card at that point. Would my best bet be to apply for the CSP or the CSR again for the sign up bonus assuming I can hit the minimum spend for either? Anything I should be aware of before I go down this road? Thanks in advance.
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Jul 29, 2021 21:01
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I've finally emptied my chase point balance right in time for my CSR renewal so I think I'll cancel it for the time being. Once pleasure/business travel ramps up again I'm thinking about doing the amex plat bonus through schwab or maybe one of the sapphires again since it's been a while since I got any bonuses through chase. Anything else I should be considering? Citi prestige popped up on my radar too but it looks like it's closed to new apps. In the mean time I'm going to use my citi doublecash for everything. Also any advice on what I should product change my CSR too? I already have a freedom and a FU so not sure if it matters.
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Feb 6, 2022 23:43
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astral posted:You could change to a Freedom Flex which offers some benefits the regular Freedom doesn't, such as cell phone insurance. Thanks for the tip, didn't know this card existed
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Feb 7, 2022 05:57
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| # ¿ May 5, 2024 19:01 |
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Virtue posted:I've finally emptied my chase point balance right in time for my CSR renewal so I think I'll cancel it for the time being. Once pleasure/business travel ramps up again I'm thinking about doing the amex plat bonus through schwab or maybe one of the sapphires again since it's been a while since I got any bonuses through chase. Anything else I should be considering? Citi prestige popped up on my radar too but it looks like it's closed to new apps. In the mean time I'm going to use my citi doublecash for everything. Also any advice on what I should product change my CSR too? I already have a freedom and a FU so not sure if it matters. Went through with this and ended up changing to a freedom unlimited (they said the flex would require closing the account because it's a mastercard) but they really were not happy that I now have two freedom unlimiteds open at the same time. Hope that doesn't cause any issues down the road when I want to apply back for the CSR or CSP bonus.
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Feb 17, 2022 00:53
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