Ok, I'm drawn in to the CSP because I want a card from Chase, I like the fact that it is metal (will probably regret later lol), & I like the signup bonus (at the bank on their materials it says 2,000 spend in 3 months). Fact is, I don't really need it, & would use it sparingly. Currently have a Citi with a 10k limit and a Zync NPSL. So the question is..to app..or not to app?!
Starting Score: 737 (EXP - Amex Pull 6/29/12) | 732 (CreditKarma)
creditnocash wrote:dont app for what you dont need.
do you have other cards?
aaoa?
if you only have two cards id say go for it just to have a third but you could always just use that card to get the bonus while sd the zync and other card for a month.
I just have my Citi Dividend (10k limit), Zync NPSL, Kohl's card (don't use it so I'm going to let it cancel itself), & dell preferred account (not a credit card though). Aaoa is around 2.5 years (but I don't really care about aaoa). Also, if I apped, would you go for the visa or mastercard?
shorefox wrote:
creditnocash wrote:dont app for what you dont need.
do you have other cards?
aaoa?
if you only have two cards id say go for it just to have a third but you could always just use that card to get the bonus while sd the zync and other card for a month.
I just have my Citi Dividend (10k limit), Zync NPSL, Kohl's card (don't use it so I'm going to let it cancel itself), & dell preferred account (not a credit card though). Aaoa is around 2.5 years (but I don't really care about aaoa). Also, if I apped, would you go for the visa or mastercard?
how old is the kohls?
if its no annual fee dont canel it. just sd it.
as for the csp. can you chose?
whichever you prefer i guess.
but most places take visa and mastercard its the amex's you gotta worry about!.
creditnocash wrote:
shorefox wrote:
creditnocash wrote:dont app for what you dont need.
do you have other cards?
aaoa?
if you only have two cards id say go for it just to have a third but you could always just use that card to get the bonus while sd the zync and other card for a month.
I just have my Citi Dividend (10k limit), Zync NPSL, Kohl's card (don't use it so I'm going to let it cancel itself), & dell preferred account (not a credit card though). Aaoa is around 2.5 years (but I don't really care about aaoa). Also, if I apped, would you go for the visa or mastercard?
how old is the kohls?
if its no annual fee dont canel it. just sd it.
as for the csp. can you chose?
whichever you prefer i guess.
but most places take visa and mastercard its the amex's you gotta worry about!.
Kohl's is 2 years old. Should I just let it sit in the sd & let them cancel for inactivity if they do that?
shorefox wrote:
creditnocash wrote:
shorefox wrote:
creditnocash wrote:dont app for what you dont need.
do you have other cards?
aaoa?
if you only have two cards id say go for it just to have a third but you could always just use that card to get the bonus while sd the zync and other card for a month.
I just have my Citi Dividend (10k limit), Zync NPSL, Kohl's card (don't use it so I'm going to let it cancel itself), & dell preferred account (not a credit card though). Aaoa is around 2.5 years (but I don't really care about aaoa). Also, if I apped, would you go for the visa or mastercard?
how old is the kohls?
if its no annual fee dont canel it. just sd it.
as for the csp. can you chose?
whichever you prefer i guess.
but most places take visa and mastercard its the amex's you gotta worry about!.
Kohl's is 2 years old. Should I just let it sit in the sd & let them cancel for inactivity if they do that?
i would buy something small every once in a while.
just put 1 dollar on mine to get the 30% off and put the rest on my amex for a keurig. so 1 dollar every 3-4 months LOL.
if you do decide to close it it will report good for 10 years and then fall off your reports. by then most of your other cards will age as well.
creditnocash wrote:dont app for what you dont need.
do you have other cards?
aaoa?
if you only have two cards id say go for it just to have a third but you could always just use that card to get the bonus while sd the zync and other card for a month.
+1 If you don't need it, don't app for it. 
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
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