I suggest you apply for the Amex Blue Cash Everyday via the cardmatch.com referral. Since you already have an American Express card, if you are denied it will only cost you a SP. Of course they will HP if accepted.
Via cardmatch.com you get a 12.99% APR (the best for this card) plus a 0% APR on Purchases for 15 months, and a 0% APR on Balance Transfers for 15 months.
If the initial limit is too low, call and explain that you need a higher balance. You cannot CLI at 2 months because you already requested a CLI on your other Amex card, so immediate recon if necessary would be your best option at that point.
Chase problem = that's going to require a CLI via a HP. Not the end of the world if you truly want some spending power on your CSP.
As for balance carrying - Discover and Citi don't seem to mind. I've never had any issues with carrying balances with them.
How long did you want to carry the balance? CITI Diamond preferred is a good card for that bc of 0% for 18 months. The Chase card that you mentioned working well with Sapphire is the Freedom which also offers a 0% introductory period during which time it would be cool to carry a balance. Remember that carrying a balance on any rewards card that is charging interest will likely negate any type of rewards or points that you earn.
@seat3a wrote:Hi Everyone,
I want to go on a yearly mini spree because I have a major bill I have to pay and want to run a balance for a few months. Also, I want to add to my CC collection and dump those 2 paltry, fake "Discover" cards from HSBC with AF's. Capital One doesn't seem to be interested in these cards and they are going nowhere.
Last month I receive the 3X CLI on Amex Delta!
Recently I was able to convert my Orchard Bank into a Cap One card going from a $420 CL to 5K (SP)! YESSSS!
I love my CSP, but only have a 6.5K CL. I would like to have a higher CL, as I will be going to Europe at some point and could really rack up the points, but I think I have read on the boards that Chase is stingy with their CLI's. The only increase I have had with this card is from the original 5K to 6.5K which was an auto CLI. I also think some people get another Chase card and somehow they work together with points but I am not sure. I am a confessed points hoarder....lol.
So what would you suggest for the Chase problem and also a totally new card with a bank that doesn't mind if you carry a balance for a while? I really don't need the groceries, gas, etc. type of card as it wouldn't pay off for me.
Thanks for any advice!
Without knowing precisely what you're looking for in rewards, I suggest looking at Chase (did I just recommend Chase?
). They have hotel and airline cards (some with NFTF) that have some good signup bonuses.
