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Here's my combo:
I'll play. My preferred lineup:
Discover It (5% categories, notably fuel and restaurants)
AmEx BCP/E (6%/3% groceries, 3%/2% fuel when not 'in season' with 5% categories)
Chase Freedom (5% categories, notably fuel and restaurants)
Chase Sapphire Preferred (2% Travel, 2% Dining when not 'in season' with 5% categories)
I will pick up the Freedom and BCP early-mid next year, as I have no real reason for them right now due to my work situation (plus I expect a nice score bump over the next couple of months), and anything picked up after that will be strictly for signup bonuses.
Can you share what number you called and your convo with Cap1 to get your limit increased? I have the same card that started at $500 and is currently sitting at $1,000. I was contemplating getting rid of it b/c I never really expected the card ever get a large limit since Orchard told me it was a card to help people build credit, but if I can get to where you are, I'd be happy to keep it! Thanks in advance!
@lithium78 wrote:
I use two cards in heavy rotation: BOA 123 Cash Rewards Visa and Discover it. I also have a Walmart Discover which I use about once a month to keep it active (and use sparingly otherwise because the rewards are terrible) and a no-rewards, no-fee Cap One Platinum that I keep hanging around for AAoA. I don't really need more credit at this time and I don't spend enough to make something like CSP cost effective.
Nice combo ... i just have the urge to have 1 type of each card .... im still debating to cut the Sapphire out my wallet totally because its a what if card... i dont dine in restaurants often or travel often to put it to frequent use so i would say any other rewrads card could handle either of those since i dont do them that often to lower my overall card wallet after that i just want one of each type of card.... Amex, Discover, Visa, Visa Signature and Mastercard the Mastercard i have already its the QuickSilverOne but i think i would want to talk to Cap1 about getting it w/o an AF...Because i prefer to have the MC but i dont want to be stuck with the annual fee forever...
My combo is similar to OPs. It's in my signature.
@WJL wrote:
Can you share what number you called and your convo with Cap1 to get your limit increased? I have the same card that started at $500 and is currently sitting at $1,000. I was contemplating getting rid of it b/c I never really expected the card ever get a large limit since Orchard told me it was a card to help people build credit, but if I can get to where you are, I'd be happy to keep it! Thanks in advance!
I actually didn't call any number, but e-mailed the CEO of Cap One. I'll PM you the e-mail address, since it is not to be posted publicly in the forums! And I'd be happy to PM you a sample e-mail as well!
Also, if you happen to have a Facebook, you can also message them with the same information! The social media team are very efficient and quick to escalating your concerns! Good luck!
Here's what I use.
1. SPG - all domestic non-bonus spending.
2. JPM Ritz - all Ritz, personal airline, and forex spending.
3. Sapphire - all dining, except abroad where I'll use the Ritz or HSBC Premier.
4. Ink Plus - all cellphone, gas, and business travel.
5. BCP - Groceries and GCs (some for charity auctions, buy for friends & associates, and personal use).
6. Blue for Business - all non-bonus business spending.
7. Amex Bus Platinum - for benefits and some oversees vendors.
That's about it. Wish I could boil it down to just 4.
I have other cards which are remnants of a sign up bonus of some kind, e.g., Discover, US Cash+, and Barclay cards. These cards get very little use, if any at all. For shopdiscover, I use my SPG. For US Bank Cash+, just PC'ed from Flexperks. And, the Barclays are all sign-up bonuses, which I'll purge once the 6 month clawback period has passed. It sounds great in theory to use the 5% cash cards, but I never use them. For simplicity's sake, I just may end up closing all the cash cards.
Since I CreditScholar observed some good value redemptions in SE Asia, I may add some Hilton cards, in which case I'd probably cancel the BCP.
Chase Freedom: 5% on rotations and 10 + 10 on other purchases.
Chase CSP: Dining/Travel
AMEX BCP: 6% back on Groceries, and 3% on gas when Freedom isn't in season
All I need to complete the set is a hotel card. Though I plan to get that at a much later date.