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Whats your combo?

Valued Contributor

Re: Whats your combo?

- Freedom (have)

- Ink Bold
- Cash+
- Discover IT
- Dividend
- Forward
- PENFED Cash Rewards
- BCP
- Fidelity AMEX

- Bank of America Better Balance Rewards
- Walmart/Walmart Discover (strictly for TU)
- Upromise and/or Sallie Mae

Think that will have me covered for whatever's thrown at me? XD

Wish I found this forum before I even applied for anything...but hey, still got some quality cards and once a mortgage is in my grasp and car loans stay in the highest tier, apping and potential churning is more than possible!

 

***edit*** totally forgot about the INK Bold! This would be my overall travel card as well as guaranteed 5x on utilities, and also allow me to transfer points from Freedom to the programs and/or get the 20% bonus if redeemed through UR mall.

 

***edit*** BBR would also be nice for the free money each year for minimal spending Smiley Wink


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Established Contributor

Re: Whats your combo?


daybreakgonesXe wrote:
- Freedom (have)
- Cash+
- Discover IT
- Dividend
- Forward
- PENFED Cash Rewards
- BCP
- Fidelity AMEX
- Walmart/Walmart Discover (strictly for TU)
- Upromise and/or Sallie Mae
- Overall great travel card that will meet my needs in the future...right now that is Blue Sky but after the bonus points are used up it becomes meh.

Think that will have me covered for whatever's thrown at me? XD

Wish I found this forum before I even applied for anything...but hey, still got some quality cards and once a mortgage is in my grasp and car loans stay in the highest tier, apping and potential churning is more than possible!

Your Cap1 limit is very impressive i havent seen anyone here with  a Cap1 limit that high .... 

CH7 Filed (3/29/17) - 516 EQ, 517 TU, 483 EX -- Discharged (5/31/17) - 538 EQ 501 TU 559 EX
PenFed CLOC $500 - NFCU nRewards $1k - CreditOne $500 - VS $250 - Overstock $250 - KingSize $250 - Macys $5.8K (AU) - AmEx $1k (AU)
Valued Contributor

Re: Whats your combo?

Shaun, it's actually a previous Orchard Bank secured that started at $200 from when I first turned 18!

Eventually got it up to $1500 secured, and during the transition to Cap One became unsecured. Sent me the deposit, gave me the opportunity to put it in a Chase checking account using the $200 sign up bonus and net me the extra 10% on Freedom.

After seeing that many people on the forum were able to contact the EO on their Orchards, I gave them a call. I had my Sapphire at the time at $10k, and everyone said to aim high with the credit limit increases. So I asked for $10k, and they so granted it! It's officially a Cap One platinum, and I got the annual fee waived. No rewards, but I'd like some age with Cap One so that they can PC to a quicksilver as a world MasterCard!

Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Established Contributor

Re: Whats your combo?


daybreakgonesXe wrote:
Shaun, it's actually a previous Orchard Bank secured that started at $200 from when I first turned 18!

Eventually got it up to $1500 secured, and during the transition to Cap One became unsecured. Sent me the deposit, gave me the opportunity to put it in a Chase checking account using the $200 sign up bonus and net me the extra 10% on Freedom.

After seeing that many people on the forum were able to contact the EO on their Orchards, I gave them a call. I had my Sapphire at the time at $10k, and everyone said to aim high with the credit limit increases. So I asked for $10k, and they so granted it! It's officially a Cap One platinum, and I got the annual fee waived. No rewards, but I'd like some age with Cap One so that they can PC to a quicksilver as a world MasterCard!

ah i hope soon to accomplish that i just got approved for Cap1 despite my other low limit cards they gave me an even lower limit , they gave me $300 on a QuickSilverOne thats why its not even in my siggy because it was like a slap in the face 

CH7 Filed (3/29/17) - 516 EQ, 517 TU, 483 EX -- Discharged (5/31/17) - 538 EQ 501 TU 559 EX
PenFed CLOC $500 - NFCU nRewards $1k - CreditOne $500 - VS $250 - Overstock $250 - KingSize $250 - Macys $5.8K (AU) - AmEx $1k (AU)
Valued Contributor

Re: Whats your combo?

Well that stinks D:

Well, hold onto the card. It's still usable for those smaller purchases that don't fit into a rotating and/or bonus category (sorry, can't see your siggy, on mobile!). Just use it, pay it off multiple times in a month, if you have to! Give Cap One a reason to love you, and I assure you they will love you back! In all honesty, showing activity every month is what got me the CLI! And they were oftentimes very small purchases once a month!

Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Regular Contributor

Re: Whats your combo?

The Ones i have are in my siggy

but my usage combo will probably be Discover IT and Freedom for the gas 5% and Bofa for others
Cap one can Kiss my  SD

Smiley Very Happy


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Valued Contributor

Re: Whats your combo?

looks like people love chase, discover and credit unions
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Contributor

Re: Whats your combo?

My combo is in my sig...Discover It and Cap One Cash Rewards. It works well enough for now but my limit is small on the Cap One card(500) so I do put more spending on my Discover Card even though techincally the Cap One card would earn more cash back for certain purchases. 

 

Eventually I would like to add the Chase Freedom and an Amex BCP/BCE to the mix but for now I'm gardening unitl May. 



Established Contributor

Re: Whats your combo?


fargobzn wrote:

My combo is in my sig...Discover It and Cap One Cash Rewards. It works well enough for now but my limit is small on the Cap One card(500) so I do put more spending on my Discover Card even though techincally the Cap One card would earn more cash back for certain purchases. 

 

Eventually I would like to add the Chase Freedom and an Amex BCP/BCE to the mix but for now I'm gardening unitl May. 


same i hope by the time im done gardening i be able to PC my US Bank Plat to US Bank Cash+ and then be able to be instantly approve for my others after i get the ones i want i probably will close my GE PPMC and US Bank FlexPerks Cards those are the only two that i have that i wont really need i want to keep my Credit Union CC  open so...guess i should add that into my CC Combo 

CH7 Filed (3/29/17) - 516 EQ, 517 TU, 483 EX -- Discharged (5/31/17) - 538 EQ 501 TU 559 EX
PenFed CLOC $500 - NFCU nRewards $1k - CreditOne $500 - VS $250 - Overstock $250 - KingSize $250 - Macys $5.8K (AU) - AmEx $1k (AU)
Valued Contributor

Re: Whats your combo?

I pretty much have everything I want, and everything after what's in my sig are "nicieties".

 

This would include obtaining cards with a renewal benefit that outweighs the AF, thereby creating a positive net return simply for holding on to them. Many of the Chase hotel cards come to mind (Hyatt, PC, Marriott Premier), along with hotel cards offered through other lenders such as US Bank's Club Carlson.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL