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@mongstradamus wrote:
@bigblue7722 wrote:Ditch the BOA card. Get a freedom/CSP and Sallie Mae card. The sallie mae card kicks the crap out of the boa 123 card execpt for the lower caps.
Reason i think he was going for boa card is to not have to take another pull since he could PC travel rewards card to 3-2-1 card.
Id take the HP for a sallie mae anyday
@bigblue7722 wrote:Ditch the BOA card. Get a freedom/CSP and Sallie Mae card. The sallie mae card kicks the crap out of the boa 123 card execpt for the lower caps.
Reason i think he was going for boa card is to not have to take another pull since he could PC travel rewards card to 3-2-1 card.
mongstradamus is correct. I wanted to convert to BofAs 3.2.1 card so my credit would not be pulled again.
i was in a very similar position as you: my family is all bofa so i started with a 3-2-1 card. my 3-2-1 is now sock drawered and i have the CSP, Freedom, and Sallie Mae.
As many others have said, CSP is an awesome card and Ultimate Rewards points are arguably the best points you can get (due to its flexibility and your ability to rack up UR points faster than any other membership type). If you decide to go for a CSP, it is absolutely worth it to apply for a Freedom. This is because the CSP and Freedom play well with a Chase checking account, and you can transfer Freedom points into UR points if you have CSP. For example, many people value one UR point at around 1.6 cents per point. If you earn gas at 5 points per dollar using the Freedom, you're essentiallygetting 1.6 * 5 = 8% back from those purchases.
Whether you apply for them at the same time or at separate times is up to you. Depending on your score, you should be able to get both (apply for CSP first. and apply for CSP in branch because they usually give the best offer in branch).
I also agree the Sallie Mae is definitely worth the hard pull, whether you choose to go for it now or later. 5% is solid for those times when the Freedom is off gas rotation, and it's great for grocery and Amazon purchases as well. i know in the short term you're trying to avoid getting too many pulls, but you want to think long term and what's best for your credit / spending situation.
my bofa 3-2-1 is currently sock drawered. it would be cancelled if it wasn't the UCLA version (gotta hang on to my alma mater, even if it doesn't provide me any benefits!)
Milkshakes,
Thank you for your response! I believe I am going to follow your footsteps.
Additionally, is the CSP worth the $95 annual fee after the first year?
Lastly, always remember to Fight On (I'm a Trojan).
saw you created a post dedicated to whether or not it's worth it. see the response here
tldr: it really depends on your expenditures and how you spread it among cards. if you're primarily using CSP + Freedom, absolutely yes. if you have plans to travel in the future, it's an awesome card to have. I spent less than you per month (majority of my spend is for the ridiculous rent prices up here in the bay) and still make it worth it to me.
also: as I tell all my Trojan friends, "see you in football season!" since you know... you guys don't really play any other sports
@milkshakes wrote:i was in a very similar position as you: my family is all bofa so i started with a 3-2-1 card. my 3-2-1 is now sock drawered and i have the CSP, Freedom, and Sallie Mae.
As many others have said, CSP is an awesome card and Ultimate Rewards points are arguably the best points you can get (due to its flexibility and your ability to rack up UR points faster than any other membership type). If you decide to go for a CSP, it is absolutely worth it to apply for a Freedom. This is because the CSP and Freedom play well with a Chase checking account, and you can transfer Freedom points into UR points if you have CSP. For example, many people value one UR point at around 1.6 cents per point. If you earn gas at 5 points per dollar using the Freedom, you're essentiallygetting 1.6 * 5 = 8% back from those purchases.
Whether you apply for them at the same time or at separate times is up to you. Depending on your score, you should be able to get both (apply for CSP first. and apply for CSP in branch because they usually give the best offer in branch).
I also agree the Sallie Mae is definitely worth the hard pull, whether you choose to go for it now or later. 5% is solid for those times when the Freedom is off gas rotation, and it's great for grocery and Amazon purchases as well. i know in the short term you're trying to avoid getting too many pulls, but you want to think long term and what's best for your credit / spending situation.
my bofa 3-2-1 is currently sock drawered. it would be cancelled if it wasn't the UCLA version (gotta hang on to my alma mater, even if it doesn't provide me any benefits!)
yeah go Bruins
@LosAngeles007 wrote:Milkshakes,
Thank you for your response! I believe I am going to follow your footsteps.
Additionally, is the CSP worth the $95 annual fee after the first year?
Lastly, always remember to Fight On (I'm a Trojan).
I am too.....I bank with sc credit union and was wondering if I should open a credit card with them, since I'll be getting my car loan and a mortgage in about a yr from now.
a hybrid Bruin/Trojan?!?! we've heard so many stories about you! :]
@milkshakes wrote:a hybrid Bruin/Trojan?!?! we've heard so many stories about you! :]
lol, yeah i guess u can say that.
my lil brother went to ucla and my sister went to sc.