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@Themanwhocan wrote:I have gotten 2 CLIs via HP's to bring my BBR card to $16.6K, but I don't think they like all the cards i've obtained in the past year
They didn't balk at giving me my second BBR in March when I had 13 new cards in the past year. Gave me $10k on that new one (since raised to $20k) when my first was already at $15k.
I figure I'll app for one a year until they start declining me
@Aahz wrote:
@Themanwhocan wrote:I have gotten 2 CLIs via HP's to bring my BBR card to $16.6K, but I don't think they like all the cards i've obtained in the past year
They didn't balk at giving me my second BBR in March when I had 13 new cards in the past year. Gave me $10k on that new one (since raised to $20k) when my first was already at $15k.
I figure I'll app for one a year until they start declining me
Lol you are meeee
I like the card for a multitude of reasons:
1. Easy money, year after year.
2. BOA, nuff said.
3. Recurrent BT offers from 12 to 18 months.
4. Generous limits even without excellent credit, esp once established. And one HP works for multiple cards, and no HP to move limits most of the time.
Essentially you can also view this card as a 0 bt fee card on up to $4k a year. It serves more than one purpose for sure! I find it neat that a person could be 6 months into their BBR, not even using it for BTs, and get an offer better than the 12 months they got at signup, for even more flexibility.
I hope to get approved for one this september, and if I have to leverage some limit from my Amtrak I am totally ok with that.
Gotta say tho, between citi and boa, I wish there was an account setting to specify how many checks they send a person a month. Makes me very paranoid sometimes!
@Anonymous wrote:I like the card for a multitude of reasons:
1. Easy money, year after year.
2. BOA, nuff said.
3. Recurrent BT offers from 12 to 18 months.
4. Generous limits even without excellent credit, esp once established. And one HP works for multiple cards, and no HP to move limits most of the time.
Essentially you can also view this card as a 0 bt fee card on up to $4k a year. It serves more than one purpose for sure! I find it neat that a person could be 6 months into their BBR, not even using it for BTs, and get an offer better than the 12 months they got at signup, for even more flexibility.
I hope to get approved for one this september, and if I have to leverage some limit from my Amtrak I am totally ok with that.
Gotta say tho, between citi and boa, I wish there was an account setting to specify how many checks they send a person a month. Makes me very paranoid sometimes!
I've never used any of mine for BTs. No one should be carrying balances anyway.
Maybe I should pick up 5 more BBRs.
@Anonymous wrote:
@Anonymous wrote:I like the card for a multitude of reasons:
1. Easy money, year after year.
2. BOA, nuff said.
3. Recurrent BT offers from 12 to 18 months.
4. Generous limits even without excellent credit, esp once established. And one HP works for multiple cards, and no HP to move limits most of the time.
Essentially you can also view this card as a 0 bt fee card on up to $4k a year. It serves more than one purpose for sure! I find it neat that a person could be 6 months into their BBR, not even using it for BTs, and get an offer better than the 12 months they got at signup, for even more flexibility.
I hope to get approved for one this september, and if I have to leverage some limit from my Amtrak I am totally ok with that.
Gotta say tho, between citi and boa, I wish there was an account setting to specify how many checks they send a person a month. Makes me very paranoid sometimes!
I've never used any of mine for BTs. No one should be carrying balances anyway.
Maybe I should pick up 5 more BBRs.
no one should be carrying balances anyway is a generalization. What do you think the BBR is for anyway? It is to give a responsible person a place to do a BT and help offset the BT fee. Not to just get free money like many people do (which I am ok with). Considering how low some of the rates go on CCs too, sometimes its OK to carry a balance.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:I like the card for a multitude of reasons:
1. Easy money, year after year.
2. BOA, nuff said.
3. Recurrent BT offers from 12 to 18 months.
4. Generous limits even without excellent credit, esp once established. And one HP works for multiple cards, and no HP to move limits most of the time.
Essentially you can also view this card as a 0 bt fee card on up to $4k a year. It serves more than one purpose for sure! I find it neat that a person could be 6 months into their BBR, not even using it for BTs, and get an offer better than the 12 months they got at signup, for even more flexibility.
I hope to get approved for one this september, and if I have to leverage some limit from my Amtrak I am totally ok with that.
Gotta say tho, between citi and boa, I wish there was an account setting to specify how many checks they send a person a month. Makes me very paranoid sometimes!
I've never used any of mine for BTs. No one should be carrying balances anyway.
Maybe I should pick up 5 more BBRs.
no one should be carrying balances anyway is a generalization. What do you think the BBR is for anyway? It is to give a responsible person a place to do a BT and help offset the BT fee. Not to just get free money like many people do (which I am ok with). Considering how low some of the rates go on CCs too, sometimes its OK to carry a balance.
+1
While I agree that carrying a balance isn't ideal, sometimes it's the lesser of two evils.
Simply saying that "no one should carry a balance" is like saying the kids shouldn't need braces, or that you really shouldn't have had that accident. Sometimes 'life happens' and the need exceeds the amount you have in savings; in this case I feel it's certainly fine to use a credit card for the expense, especially if it's at 0% anyway.
To be clear, note that I'm not dismissing the need for savings - not at all. I'm just being realistic that sometimes a need is greater than the amount we might have in savings at times, that's all.
I personally have 3 BBRs, but there was a reddit post a month ago where someone PC'ed a bunch of MLB cards to BBRs and now has 7 of them. That's the most that I know of.