No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
This year I had approvals for the most part.
Mine:
Blispay. Said they could not verify my identity and I was to busy to fight with them at the time ( Got PayPal credit instead love it!)
USBank Cash+ also got away (I may at a later date reapply I am undecided. The way they handled my CLI with their Elan Branch irritates me)
LL Bean Visa (Barclaycard)
I obtained so much in 2017, that nothing truly got away from me. I closed all my store accounts except for Lowes and Amazon PLCC, and replaced them with some good options. If there's two "things" that got away from me, it was a big 5 digit approval and CLI's.
I got two $9K instant approvals last year (Chase AARP and BoA 123), and through a credit reallocation with BoA, gave myself a $20K limit on one card.
CLI's were feast or famine in 2017. Nothing from Discover, nothing from Amex (except a forced enrollment into Pay over time with a $30K limit I'll never use), nothing from Chase, nothing from DCU, nothing from Wells Fargo (but the card isn't a year old yet), $1K from Capital One ($750 + $250 CLI's), $1K from Amazon PLCC, $2.8K from Chevron Visa, $5K from Lowes, $6K from BoA BBR.
2018 is going to be the year of the restart with Amex. I have spent thousands with them over the last year, and expect I have a fantastic internal score. In the spring I am going to close all my Amex cards, wait 6-9 months, and apply for the BCP. I expect a $10K+ starting limit on approval. That's the only card I see myself applying for in 2018, because I'm going to get under 5/24 for some CSP love next year
Cards that are on the chopping block for 2018:
Lowes: Never use it, and 5% cb doesn't combine with dad's military discount.
Amazon PLCC : Only kept it because I was paying off a 0% promo.
Amex PRG, BCE, ED: Noted above.
Chase AARP Visa : Haven't used it since September. Will move $6500 to Chase FU, and $2500 to Chase Amazon.
Discover IT: No CLI's on it, don't need the BT offers when Capital One is flooding me with them.
Chevron Visa: The card I never asked for, and have never used. Was an upgrade from the store card. Kept it for reporting purposes.
Wells Fargo CashWise Visa: Dinky limt, hard to grow without HP's.
I'm in the same boat as DeeBee.
No Visa Signature in my wallet yet, but someday!
@Anonymous wrote:I'm in the same boat as DeeBee.
No Visa Signature in my wallet yet, but someday!
I do not think I have ever used any of the benefits my Amazon Visa Signature offers. I realized the other day I did not earn enough cash back to make up for the $99 annual fee, then again I have been a prime member for 3ish years so I cannot complain.
@Anonymous wrote:
@Anonymous wrote:I'm in the same boat as DeeBee.
No Visa Signature in my wallet yet, but someday!
I do not think I have ever used any of the benefits my Amazon Visa Signature offers. I realized the other day I did not earn enough cash back to make up for the $99 annual fee, then again I have been a prime member for 3ish years so I cannot complain.
You could always mooch off of an Amazon Household and split the cost of Prime between two people My partner pays it one year, I pay it the next.
Don't look at it in terms of making cashback to cover your Prime membership. The 2 day shipping alone easily pays for itself after 6 deliveries a year.
I missed out on the Sapphire Reserve due to 5/24 and missing that early link but if I can just hold tight until August this year I'll drop below and be able to pick it up.
At that point I'll PC CSP into a Freedom and be almost all set with UR-earning.