Which card should I choose? CSP or ??

[enharu]

So these are the only 3 cards you're considering for this round?

Are you holding off on Fidelity Amex because FIA pulls EX as well? Or you don't think that card will benefit you as much

[09Lexie]

@enharu

I really wasn't going to app for anything this soon. The Walmart/Discover upgrade is the reason why I even thought about shaking off the dirt. As far pulling EX, I am not really that concerned. I'll have to see where Fid Amex will fit with my cc's.

[enharu]

Ah I see. I was debating about whether to apply for fidelity Amex.

After much thought, I figured I'm better off charging misc. charges to my CSP as well. Even though it's just 1UR per dollar, I can milk each UR for >3ccp easily, so essentially it's >3% cashback even for basic purchases. Hopefully my Math didn't fail me.

[09Lexie]

That's exactly what I'm thinking. Between Freedom, Discover, Amex and ? I think I'm pretty covered. Next year, I'll probably add a revolver.

[Revelate]

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@09Lexie wrote:
That's exactly what I'm thinking. Between Freedom, Discover, Amex and ? I think I'm pretty covered. Next year, I'll probably add a revolver.

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FIA Amex would render your Walmart -> Discover upgrade moot.  Actually so would the CSP I think .  

I haven't quite understood the forum member's desire to upgrade their Wally store cards to the Discover version, is there something I'm missing as even for me and my wretched credit report, a 1% flat rewards card is a tradeline farm for me?

[09Lexie]

@Revelate

The Fid Amex was briefly on my radar but I don't see the need if I add the CSP. Like I said between the PRG and CSP, I can't really justify the FidAmex.

As far the Wal/Discover upgrade, I'll probably use it as much as I used the store card. For me, it'll be a util card and I'm going to keep thinking of it as the store card. I have the It so I am not hung up on the 'Discover' name.

[dodfire]

Are you up early to go get that CSP??

[09Lexie]

Haha! No, just a nite owl

[dodfire]

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@09Lexie wrote:
Haha! No, just a nite owl

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Dang it...I thought I finally caught someone climbing the fence!!

[09Lexie]

Nope. I'm going to the bank later to talk with my banker. No need to scale the fence tonight. Plus, myjourney gave me a day pass.