Reply
Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Which card should I choose? CSP or ??

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

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Moderator
09Lexie
Posts: 26,636
Registered: ‎09-13-2012
0

Re: Which card should I choose? CSP or ??

@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.
Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Which card should I choose? CSP or ??

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.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Moderator
09Lexie
Posts: 26,636
Registered: ‎09-13-2012
0

Re: Which card should I choose? CSP or ??

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.
Moderator
Revelate
Posts: 9,762
Registered: ‎12-30-2011
0

Re: Which card should I choose? CSP or ??


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.

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

 

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?

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Moderator
09Lexie
Posts: 26,636
Registered: ‎09-13-2012
0

Re: Which card should I choose? CSP or ??

@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.
Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: Which card should I choose? CSP or ??

Are you up early to go get that CSP?? :smileyhappy:

*8/10/13
Moderator
09Lexie
Posts: 26,636
Registered: ‎09-13-2012
0

Re: Which card should I choose? CSP or ??

Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: Which card should I choose? CSP or ??


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

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

*8/10/13
Moderator
09Lexie
Posts: 26,636
Registered: ‎09-13-2012
0

Re: Which card should I choose? CSP or ??

[ Edited ]
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.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}