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The creditcards.com BCP sign-up bonus of $250 is seriously tempting me. (Thanks to charyot77 for starting the thread about it!) I wasn't planning on apping for anything, but... After the AF it'll be $175 and I'll PC to BCE before a year is up. Should I do it?
-EQ FICO as of Nov '11 was 749 (before INQ). CK is 760 and CS is 801.
-1 inq on EQ, none on EX or TU
-No baddies
-Oldest acct: 5 years, 6 months
-AAoA: 3 years, 7 months
-Student loan of about $2400
-Current cards and util:
BofA Travel Rewards: 0/1700
Citi Forward: 0/5500 (however, statement cuts tomorrow with 212 balance)
US Bank Cash+: 223/11,000
Pros:
-Net gain of $175 + 6% back on groceries (only spend $50-75/month at supermarkets though)
-I would lock in a 2013 member date with AMEX.
Cons:
-I prefer having fewer cards because I'm lazy.
-I will probably have an apartment credit check in April or May.
Maybe I should wait till later in the year, if the offer comes around again? So tempted though! What would you do?
ETA: If I apply, can I put my bonus under supplemental income even though I won't receive it until Feb. 28? Or is it safer to put last year's bonus, or nothing at all?
Good Angel: No. Do not App. Remain in the Garden
Bad Angel: Don't listen to that poor excuse of a angel! Go for it! App! App! App!
I'll listen to the Bad Angel if I was you!
@flyingpenguin wrote:The creditcards.com BCP sign-up bonus of $250 is seriously tempting me. (Thanks to charyot77 for starting the thread about it!) I wasn't planning on apping for anything, but... After the AF it'll be $175 and I'll PC to BCE before a year is up. Should I do it?
-EQ FICO as of Nov '11 was 749 (before INQ). CK is 760 and CS is 801.
-1 inq on EQ, none on EX or TU
-No baddies
-Oldest acct: 5 years, 6 months
-AAoA: 3 years, 7 months
-Student loan of about $2400
-Current cards and util:
BofA Travel Rewards: 0/1700
Citi Forward: 0/5500 (however, statement cuts tomorrow with 212 balance)
US Bank Cash+: 223/11,000
Pros:
-Net gain of $175 + 6% back on groceries (only spend $50-75/month at supermarkets though)
-I would lock in a 2013 member date with AMEX.
Cons:
-I prefer having fewer cards because I'm lazy.
-I will probably have an apartment credit check in April or May.
Maybe I should wait till later in the year, if the offer comes around again? So tempted though! What would you do?
ETA: If I apply, can I put my bonus under supplemental income even though I won't receive it until Feb. 28? Or is it safer to put last year's bonus, or nothing at all?
The annual fee is $75 after the first year.
Also where do you see the link for $250 for the BCP and $150 for the BCE?
I just went to Creditcards.com and don't see any offers, besides the regular $100 for BCE and $150 for BCP?
In regards to your application, its an instant approval (most likely), and it looks like it'll fit in with your spending. I say go for it!
@Bobert22 wrote:
@flyingpenguin wrote:The creditcards.com BCP sign-up bonus of $250 is seriously tempting me. (Thanks to charyot77 for starting the thread about it!) I wasn't planning on apping for anything, but... After the AF it'll be $175 and I'll PC to BCE before a year is up. Should I do it?
-EQ FICO as of Nov '11 was 749 (before INQ). CK is 760 and CS is 801.
-1 inq on EQ, none on EX or TU
-No baddies
-Oldest acct: 5 years, 6 months
-AAoA: 3 years, 7 months
-Student loan of about $2400
-Current cards and util:
BofA Travel Rewards: 0/1700
Citi Forward: 0/5500 (however, statement cuts tomorrow with 212 balance)
US Bank Cash+: 223/11,000
Pros:
-Net gain of $175 + 6% back on groceries (only spend $50-75/month at supermarkets though)
-I would lock in a 2013 member date with AMEX.
Cons:
-I prefer having fewer cards because I'm lazy.
-I will probably have an apartment credit check in April or May.
Maybe I should wait till later in the year, if the offer comes around again? So tempted though! What would you do?
ETA: If I apply, can I put my bonus under supplemental income even though I won't receive it until Feb. 28? Or is it safer to put last year's bonus, or nothing at all?
The annual fee is $75 after the first year.
Also where do you see the link for $250 for the BCP and $150 for the BCE?
I just went to Creditcards.com and don't see any offers, besides the regular $100 for BCE and $150 for BCP?
In regards to your application, its an instant approval (most likely), and it looks like it'll fit in with your spending. I say go for it!
To see the offer, use the Cardmatch tool (just enter name and address, no need for SSN).
I don't see anything about the AF being waived for the first year, so I don't think it is. (Whereas for say, Gold Delta Skymiles, it does say the AF is waived for the first year.)
@flyingpenguin wrote:
@Bobert22 wrote:
@flyingpenguin wrote:The creditcards.com BCP sign-up bonus of $250 is seriously tempting me. (Thanks to charyot77 for starting the thread about it!) I wasn't planning on apping for anything, but... After the AF it'll be $175 and I'll PC to BCE before a year is up. Should I do it?
-EQ FICO as of Nov '11 was 749 (before INQ). CK is 760 and CS is 801.
-1 inq on EQ, none on EX or TU
-No baddies
-Oldest acct: 5 years, 6 months
-AAoA: 3 years, 7 months
-Student loan of about $2400
-Current cards and util:
BofA Travel Rewards: 0/1700
Citi Forward: 0/5500 (however, statement cuts tomorrow with 212 balance)
US Bank Cash+: 223/11,000
Pros:
-Net gain of $175 + 6% back on groceries (only spend $50-75/month at supermarkets though)
-I would lock in a 2013 member date with AMEX.
Cons:
-I prefer having fewer cards because I'm lazy.
-I will probably have an apartment credit check in April or May.
Maybe I should wait till later in the year, if the offer comes around again? So tempted though! What would you do?
ETA: If I apply, can I put my bonus under supplemental income even though I won't receive it until Feb. 28? Or is it safer to put last year's bonus, or nothing at all?
The annual fee is $75 after the first year.
Also where do you see the link for $250 for the BCP and $150 for the BCE?
I just went to Creditcards.com and don't see any offers, besides the regular $100 for BCE and $150 for BCP?
In regards to your application, its an instant approval (most likely), and it looks like it'll fit in with your spending. I say go for it!
To see the offer, use the Cardmatch tool (just enter name and address, no need for SSN).
I don't see anything about the AF being waived for the first year, so I don't think it is. (Whereas for say, Gold Delta Skymiles, it does say the AF is waived for the first year.)
Oh, I see! Thanks! Gonna think about applying for it.
I gave into temptation and apped... Instant approval! But I don't know what my credit line is. On the status website it just says:
Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer
Should I call they number they give to find out what it is? And can I request expedited delivery?
1-866-314-0237 (Mon-Fri 6am-8pm MST)
@flyingpenguin wrote:I gave into temptation and apped... Instant approval! But I don't know what my credit line is. On the status website it just says:
Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer
Should I call they number they give to find out what it is? And can I request expedited delivery?
1-866-314-0237 (Mon-Fri 6am-8pm MST)
CONGRATS!!!
Yes call in!!! You probably got a really nice limit!
@LS2982 wrote:
@flyingpenguin wrote:I gave into temptation and apped... Instant approval! But I don't know what my credit line is. On the status website it just says:
Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer
Should I call they number they give to find out what it is? And can I request expedited delivery?
1-866-314-0237 (Mon-Fri 6am-8pm MST)
CONGRATS!!!
Yes call in!!! You probably got a really nice limit!
Thanks! Just called in and my limit is $12,100!!! (That $100 is kind of random but I'll take it!)
Off to read the 3x CLI thread! Thanks everyone for your encouragement.
@flyingpenguin wrote:
@LS2982 wrote:
@flyingpenguin wrote:I gave into temptation and apped... Instant approval! But I don't know what my credit line is. On the status website it just says:
Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer
Should I call they number they give to find out what it is? And can I request expedited delivery?
1-866-314-0237 (Mon-Fri 6am-8pm MST)
CONGRATS!!!
Yes call in!!! You probably got a really nice limit!
Thanks! Just called in and my limit is $12,100!!! (That $100 is kind of random but I'll take it!)
Off to read the 3x CLI thread! Thanks everyone for your encouragement.
HAPPY DANCE!!!