10-21-2012 08:13 PM
if you actually plan to use it, don't be afraid of AF's. The benefits make up for it if you actually do use them. Personally I don't stay in hotels enough to matter, most my travels are in Vietnam where most places don't even take credit cards haha
I carry 1 card with an AF. The US Bank flexperks sig. They waive the AF with $2k per month in spending. Other than that. I haven't found a card that warrants and AF. It seems like it is better to have several cards with no AF. Then just use the bonus categories that each card offers, can on average earn just as many rewards with no AF's.
Someday I will get a no AF card that has lounge access haha
My goal for next year is to have all the 3 cards with 5% bonus categories and no annual fees.
If that goal is accomplished early, I will look for an airlines card which grants lounge access. The first year's annual fee should be waived, so it'll be close to no AF.
I think currently the best card is the Cash+ card, but it offers no intro bonus.
10-21-2012 08:15 PM
After I got the card. I called a rep to check out hotels and how many points they require. They gave me 3k free points after they noticed how many points it would take to get a night in a hotel near me...haha
Lol @ them being embarrased about their own product
I found a hotel that was 120,000 points for one night, and it was only a 4 star hotel.
I will find a way to get a good value out of the points though.
10-21-2012 08:30 PM
prequalified offers on the us bank cash+ signature do have spend-range bonuses. i work for their "credit card enrollment center" (3rd party call center) and have seen some with those. the pre-qualified offers occasionally offer 0% for 12 months as well.
do not call the credit card enrollment center to get these offers, we work on a sales model and are unable to accomodate special requests, we either can do your prequalified offer or the standard web offer. thats what happens when they hire third party call centers to handle their credit card applications.
10-21-2012 08:51 PM
10-21-2012 09:02 PM
10-21-2012 09:08 PM
10-21-2012 09:24 PM
Lol.... That's why Im waiting on the Citi Diamond Preferred....
What if Amex closed your account?! How would you feel?! Ive learned how to raise my fico here and equally as important: what creditors can do when you take on too much credit too soon lol... Just be careful :-D
Why the diamond? It doesn't have any rewards.
It would suck if they closed my account and took the points away.
I'll take it easy for awhile. Do you think it will be better to CLI after two months? Or should I apply for another account come january? Which one first?
10-22-2012 03:43 PM
10-22-2012 03:48 PM
10-22-2012 04:23 PM
I always feel the need to app right after I see a CC commercial of a card I really want lol.. Especially now that xmas is around the corner.. I so badly want to pull out a chase sapphire haha.. Wishful thinking!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.