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Valued Contributor
daybreakgonesXe
Posts: 1,862
Registered: ‎11-17-2012
0

Re: Whats your combo?

[ Edited ]

- 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 :smileywink:

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 706 TU 733 Credit Karma (TU) 785 Transrisk 808/990 Credit Sesame (EX) 764 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721
Established Contributor
shaun2009
Posts: 648
Registered: ‎03-07-2013
0

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 .... 

Current Credit Cards
| PayPal MC: $10K | WalMart MC: $7.5K | Discover IT: $6.5K | USB Platinum: $5K | Sams MC: $5K |
| CapitalOne QS: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | USB Select: $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, US Bank Cash+
Last Application: 10/3/2014
Valued Contributor
daybreakgonesXe
Posts: 1,862
Registered: ‎11-17-2012
0

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!
Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 706 TU 733 Credit Karma (TU) 785 Transrisk 808/990 Credit Sesame (EX) 764 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721
Established Contributor
shaun2009
Posts: 648
Registered: ‎03-07-2013
0

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 

Current Credit Cards
| PayPal MC: $10K | WalMart MC: $7.5K | Discover IT: $6.5K | USB Platinum: $5K | Sams MC: $5K |
| CapitalOne QS: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | USB Select: $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, US Bank Cash+
Last Application: 10/3/2014
Valued Contributor
daybreakgonesXe
Posts: 1,862
Registered: ‎11-17-2012
0

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!
Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 706 TU 733 Credit Karma (TU) 785 Transrisk 808/990 Credit Sesame (EX) 764 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721
Regular Contributor
mikey78
Posts: 736
Registered: ‎07-22-2013
0

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

:smileyvery-happy:


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Valued Contributor
Luscher
Posts: 1,158
Registered: ‎03-24-2013
0

Re: Whats your combo?

looks like people love chase, discover and credit unions
CHASE FREEDOM | CHASE RITZ | AMEX BCE | | BOFA REWARDS | CITI TYP | DISCOVER IT | CHASE CSP
--------$32,000-------------$25,000---------$22,700-----------$18,000------------$11,000--------$8,750----------$5,000----

FICO - TU: 780 EX: 785 EQ: 760
Contributor
fargobzn
Posts: 75
Registered: ‎05-12-2013
0

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
shaun2009
Posts: 648
Registered: ‎03-07-2013
0

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 

Current Credit Cards
| PayPal MC: $10K | WalMart MC: $7.5K | Discover IT: $6.5K | USB Platinum: $5K | Sams MC: $5K |
| CapitalOne QS: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | USB Select: $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, US Bank Cash+
Last Application: 10/3/2014
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

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.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

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