@Anonymous wrote:
@kdm31091 wrote:Not to derail the thread, but I"m not as big a Chase fan as most on here. They really are only super valuable for travel people. For cash back, they are nothing exciting, and refuse to grow with people (CLIs and APR reductions, etc). It just leaves a bad taste in my mouth, and the "workarounds" for CLIs with them are, IMO, ridiculous to have to do.
They have excellent travel benefit cards and I know for many that overrides their other shortcomings. But for me it doesn't. To me they are average at best.
I see.
Well I guess if you don't do travel then they don't suit you that much. Good luck.
my tripcase (thank you Chase)
@elim wrote:
@Anonymous wrote:
@kdm31091 wrote:Not to derail the thread, but I"m not as big a Chase fan as most on here. They really are only super valuable for travel people. For cash back, they are nothing exciting, and refuse to grow with people (CLIs and APR reductions, etc). It just leaves a bad taste in my mouth, and the "workarounds" for CLIs with them are, IMO, ridiculous to have to do.
They have excellent travel benefit cards and I know for many that overrides their other shortcomings. But for me it doesn't. To me they are average at best.
I see.
Well I guess if you don't do travel then they don't suit you that much. Good luck.
my tripcase (thank you Chase)
Your image. It's broken.
Staaaaahp it.
@myjourney wrote:The other 9 were outdated and the rewards system had been nerfed so time for # 10-11-12 and a new signing bonus
You're alive! haha
On a more serious note, for me it's about AAoA, util, and rewards. But hey, "with great power comes great responsibility" right?
For me in priority:
in the old days,
1. Average Age of Accounts, planed to build a high AAoA from the start when I was new to credit but half failed;
(I went live under the rock for 5 years, more than half (11) of the accounts got closed due to inactivity. 
Big thanks to Amex (2 cards), Discover (1), Capital One (3) didn't close my accounts at all, and Chase didn't close all (2 left))
2. 0% intro APR, can pay it off right away, but like the cash flow when I did some selling on eBay back in the days.
in the new days,
1. Signup bonuses and more signup bonus;
2. Reward structure;
3. Additional benefit like free FICO sore, or Amex Offers for Amex cards;*
*however, if the card has no signup bonus at all, I won't apply (only exception is 2 years ago Walmart Discover now MasterCard for the only provider for free TU08 FICO, sadly few months after I had the card, Discover, follow by Barclays provide same free FICO, kinda wasted a HP and an account slot.)
4. Average account age again, though it is more like hurting than helping at the moment (6 new cards 2 years ago, 6 more this year), but in a long long run, it should help;
5. 0% APR makes thing more smooth, again can pay it off if want to, just not in a rush.
