Just for conversation sake then .... we'll see what the opinion of my small "spree" is. I basically haven't applied for many cards lately that I didn't have a game plan for though. I got AmEx BCE for daily spending (groceries/gas primarily) in August. The signup bonus was nice once I got that too. I had a Chase Amazon Visa that I got Sept of last year when shopping on Amazon, primarily at the time just to get the $30 off and I had no other real credit cards so figured what they hey. I never used it. It now has become my secondary card for restaurants/Amazon obviously and sometimes gas. So, my idea is to maximize rewards between those cards on the expenses I would have anyways. I got a BoA BankAmericard in September to consolidate a couple other debts I had on a Ford Service Card and Goodyear Card that were ready to hit the end of deferred interest; I have since paid that down by over 50% in the last couple months anyways. Once that is paid off, I don't think I'll have much use for the BoA card though unfortunately (it also is my hightest CL after a CLI 
). So, I no longer revolve any balances on my two primary cards, just use them for their rewards and then pay off.
Now, on either saturday or sunday I decided I wanted a Discover It to take advantage of the 5% categories throughout the year. Was this a stupid decision or does it make sense? After that card (not in my signature yet) I believe I'll have all the cards I need/want.
Another question, I realize this could be a thread of it's own, but everyone also preaches PIF but what about w/ promotional financing such as through Best Buy? If I buy a TV and get 36M no interest, isn't it worth it to take advantage of the financing? Likewise, on my Ford Card, and service over $199 is 6-mo no interest. Just seems stupid to PIF absolutely all the time if you aren't losing anything to interest anyways? Provided you make the appropriate payments responsibly.
Regardless, I too am glad I found this site. It's helped guide me into good decisions as I start my adventure into more credit. Being only 26, I don't have extensive history, but I have been lucky enough to have gotten into credit early on in life which seems to have helped me a lot too. I think I have something like 26 total accounts (including closed auto loans and student loans).
@k0csi
A successful spree involves approvals as well as cc's that are beneficial for the applicant. Apping, just for the sake of apping without thinking how the card can be used or having little to no knowledge of the cards benefits IMO is not smart. It happens and far too often the applicant is not getting the true benefit of a good spree. Wouldn't it be wiser to save those HP's for well thought out cc's? That being said, your spree appears to be useful to you and that's all that matters.
There is nothing wrong with 0% promos or 0% APR for BTs. It's when a person has multiple cc's under the aforementioned categories, carrying those balances from one card to another while paying minimum payments and making new charges and time catches up to them. The 0% period is over and now they have multiple cards with balances and the low 0% has shot up to 20+%
A successful spree involves approvals as well as cc's that are beneficial for the applicant. Apping, just for the sake of apping without thinking how the card can be used or having little to no knowledge of the cards benefits IMO is not smart. It happens and far too often the applicant is not getting the true benefit of a good spree. Wouldn't it be wiser to save those HP's for well thought out cc's? That being said, your spree appears to be useful to you and that's all that matters.
There is nothing wrong with 0% promos or 0% APR for BTs. It's when a person has multiple cc's under the aforementioned categories, carrying those balances from one card to another while paying minimum payments and making new charges and time catches up to them. The 0% period is over and now they have multiple cards with balances and the low 0% has shot up to 20+%
