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Contributor
seat3a
Posts: 97
Registered: ‎05-02-2012
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Re: Need advice for mini spree


NewtoCredit80 wrote:
You could apply for a discover card and Citi Simplicity card. Discover card has 15 month 0% apr and citi card has 18 month 0% apr. Rewards wise Discover card is better but limited acceptance outside US. if you willing to burn a HP then you could ask for a cli on your CSP. Chase might raise you to 10000.

10K on my CSP would be exactly what I want, but MIGHT is what I am afraid of as they seem to be conservative. I do have $ rolling in their checking account every month for what that is worth....

Barclay Arrival World MC 10K, Citi AAdvantage 16K, Chase Sapphire Preferred 15K, AMEX Gold Delta Skymiles 16K, Venture One 5K, Discover Direct Rewards (Cap 1) $300, Discover Direct Rewards (Cap 1) $500

Scores: EX 764 EQ 750 TU 809 MyFico 739 Last App 11/13
Contributor
seat3a
Posts: 97
Registered: ‎05-02-2012
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Re: Need advice for mini spree


MissCredit9 wrote:

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.


The balance would be carried a max of 6 months. I understand about the interest but I don't mind 6 months so much. How does the CSP work with the Freedom?

 

Thanks for the help.

Barclay Arrival World MC 10K, Citi AAdvantage 16K, Chase Sapphire Preferred 15K, AMEX Gold Delta Skymiles 16K, Venture One 5K, Discover Direct Rewards (Cap 1) $300, Discover Direct Rewards (Cap 1) $500

Scores: EX 764 EQ 750 TU 809 MyFico 739 Last App 11/13
Senior Contributor
B335is
Posts: 4,129
Registered: ‎09-22-2012
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Re: Need advice for mini spree

Amex approved my BCE immediately after the CLI my Delta Gold. If youre looking for points I would either go Amex BCP through creditcards.com ($250 bonus) or Chase Sapphire Preferred in branch for lower spend requirement (2k vs 3k for 3 months). Freedom has a 10k bonus and both CSP and Freedom have an annual bonus on points (7% I believe). Chase also isnt as tempermental about carrying a balance as Amex is.

If you like points I would def look into Freedom and CSP.
Contributor
seat3a
Posts: 97
Registered: ‎05-02-2012
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Re: Need advice for mini spree


B335is wrote:
Amex approved my BCE immediately after the CLI my Delta Gold. If youre looking for points I would either go Amex BCP through creditcards.com ($250 bonus) or Chase Sapphire Preferred in branch for lower spend requirement (2k vs 3k for 3 months). Freedom has a 10k bonus and both CSP and Freedom have an annual bonus on points (7% I believe). Chase also isnt as tempermental about carrying a balance as Amex is.

If you like points I would def look into Freedom and CSP.

Thanks so much for the info. Also, I just recevied a Slate 0% until 2/1/15, then 12.99. I assume this CC won't tie in with the CSP?

 

Barclay Arrival World MC 10K, Citi AAdvantage 16K, Chase Sapphire Preferred 15K, AMEX Gold Delta Skymiles 16K, Venture One 5K, Discover Direct Rewards (Cap 1) $300, Discover Direct Rewards (Cap 1) $500

Scores: EX 764 EQ 750 TU 809 MyFico 739 Last App 11/13
Senior Contributor
B335is
Posts: 4,129
Registered: ‎09-22-2012
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Re: Need advice for mini spree

Slate doesnt have a points structure. Its intended to be a balance carrying card. Ink has a bonus offer on the business side of their cards.
Contributor
seat3a
Posts: 97
Registered: ‎05-02-2012
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Re: Need advice for mini spree


B335is wrote:
Slate doesnt have a points structure. Its intended to be a balance carrying card. Ink has a bonus offer on the business side of their cards.

Thanks, I understand.

Barclay Arrival World MC 10K, Citi AAdvantage 16K, Chase Sapphire Preferred 15K, AMEX Gold Delta Skymiles 16K, Venture One 5K, Discover Direct Rewards (Cap 1) $300, Discover Direct Rewards (Cap 1) $500

Scores: EX 764 EQ 750 TU 809 MyFico 739 Last App 11/13
Frequent Contributor
MissCredit9
Posts: 419
Registered: ‎08-08-2013
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Re: Need advice for mini spree


seat3a wrote:

MissCredit9 wrote:

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.


The balance would be carried a max of 6 months. I understand about the interest but I don't mind 6 months so much. How does the CSP work with the Freedom?

 

Thanks for the help.


I think the Freedom offers 0% for 15 months, others feel free to correct me if I am wrong. It pairs well with Sapphire because you can  transfer points between the two I believe. This can be quite lucrative with the 5% rotating categories offered on the Freedom if you spend heavily in those areas. I don't know from personal experience but most on here say the two make a great pair. Hopefully this is helpful to you.

AMEX PRG NPSL, CITI DIAMOND PREFERRED 20K, FIDELITY AMEX 20K, CHASE SAPPHIRE PREFERRED 15K, AMEX DELTA SKYMILES GOLD 6K, CHASE MARRIOTT PREMIER 5K, BARCLAYCARD REWARDS MASTERCARD 4K, CAPITAL ONE QUICKSILVER 3K, AMAZON STORECARD 6K, VICTORIAS SECRET 1050, EXPRESS NEXT 650
Moderator
09Lexie
Posts: 25,861
Registered: ‎09-13-2012
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Re: Need advice for mini spree

MissCredit9 is correct, the Freedom/CSP combo works well ESP if you are planning a trip and want the 1:1 points transfer.
Contributor
seat3a
Posts: 97
Registered: ‎05-02-2012
0

Re: Need advice for mini spree


09Lexie wrote:
MissCredit9 is correct, the Freedom/CSP combo works well ESP if you are planning a trip and want the 1:1 points transfer.

Thanks! I appreciate everyone's help!

Barclay Arrival World MC 10K, Citi AAdvantage 16K, Chase Sapphire Preferred 15K, AMEX Gold Delta Skymiles 16K, Venture One 5K, Discover Direct Rewards (Cap 1) $300, Discover Direct Rewards (Cap 1) $500

Scores: EX 764 EQ 750 TU 809 MyFico 739 Last App 11/13

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