So since its been verified that Cap1 doesn't permanently lower APR my game plan changed a bit. Game plan is now as follows...
a card for everyday purchases (Cap1 QS1 is doing the trick but I kind of like the Discover it card)
a card for big purchases ( USAA 5k limit has that covered for now)
a card for SHTF emergencies (obviously very low APR so credit union, I submitted an out of state donation app to a credit union in NC where I'll be moving soon to start building a good relationship with them, their APR's for credit are 9.75%, 10.75%, 12.25%, 14.25% or 16.25%)
1) Reach my end of year goal score in my sig, (If I get higher the better)
2) Drop Cap1 secured open (Will replace with SHTF CU card)
3) If I get preapproved for a better rewards card I'll drop cap1
Me being young and dumb I've burned Chase and BoA so thats that I guess.
I'd be ok with 10k usaa, 5k SHTF and 2-3k everyday card.
Thoughts?
