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Wrapping up my App Spree, do I have a good combination of cards?

Established Contributor

Re: Wrapping up my App Spree, do I have a good combination of cards?


BlueHusky wrote:

Does a 19 yr old college student need a CSP? It's mainly a card for travelers...do you travel enough to justify the annual fee?

 

Everything you have is great, similar to my cards.


As long as the 19 year old is responsible with a ok income it's fine, he could also be saving up for things like graduation etc. Not all 19 year old college students are broke, when I was 19 I had 3 cars all paid for in cash by my own money. It all depends on the person.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Contributor

Re: Wrapping up my App Spree, do I have a good combination of cards?

I'm not saying anything about his income at all - I simply mean that as a full-time student with two jobs (as he stated), it doesn't seem like he has a lot of time for travel, which is CSP's main benefit. I'm simply asking if it fits his lifestyle considering it does have a fee.




Starting Score: 583 (CreditKarma, 2009)
Current Score: 783 (Walmart Free FICO, March 20, 2012), 774 (Equifax, BoA Pull, 2/20/13)
Goal Score: 800+


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Regular Contributor

Re: Wrapping up my App Spree, do I have a good combination of cards?

Well, if he eats at restaurants ( even fast food) the csp is good too. Lol also, who doesn't love a metal card?

Chase Freedom 3000
Chase Sapphire Preferred 5000
American Express Blue Cash Preferred 6300
Bank of America Travel Rewards 5000
Bank of America Cash Rewards 3000
Discover IT 4000
Best Buy 4000
TU 733 EQ 743 EX 722
Regular Contributor

Re: Wrapping up my App Spree, do I have a good combination of cards?

Btw congrats. I'm 20 years old and some still question how I was able to lease 2 cars and have the cards I have AND be a full time college student. 

 

Chase Freedom 3000
Chase Sapphire Preferred 5000
American Express Blue Cash Preferred 6300
Bank of America Travel Rewards 5000
Bank of America Cash Rewards 3000
Discover IT 4000
Best Buy 4000
TU 733 EQ 743 EX 722