topic Re: Which cards to apply for next in Credit Cards

Which cards to apply for next

Anonymous — Wed, 08 Apr 2015 11:01:02 GMT

My partner has the discover it , QS and PRG . Scores all in the 720-745 range . She wants a couple more cards . I checked the Chase tool and she's pre approved for slate , freedom and CSP . Cap 1 pre approved for pretty much all their cards . Citi is the only pre approval tool that shows nothing for her . She's a college student with 35k income and 1.5 year AAoA . Any ideas ? She has checking accounts with USAA and NASA .

Re: Which cards to apply for next

Anonymous — Wed, 08 Apr 2015 11:09:33 GMT

CSP and Freedom. They're all you need to turn all your flights into freebies.

Re: Which cards to apply for next

takeshi74 — Wed, 08 Apr 2015 13:19:28 GMT

As always, don't rely on prequals and tell us what you're looking for from a credit card if you want recommendations. Selecting a card isn't about the card itself but finding cards that suit an individual's specific needs/wants.

Re: Which cards to apply for next

Anonymous — Wed, 08 Apr 2015 14:19:46 GMT

@Anonymous wrote:
CSP and Freedom. They're all you need to turn all your flights into freebies.

With the exception of the first year bonus (and meeting $4K spend could be hard), a $35K income is unlikely to allow enough spending on the card to generate enough points for worthwhile awards, or justify the AF.

Re: Which cards to apply for next

heyitsyeh — Wed, 08 Apr 2015 20:16:31 GMT

If she doesn't travel, there is no need for CSP other than that sign-up bonus. I would recommend the Sallie Mae card and/or BofA Better Balance card.

Also Amex ED is a good card to transition to if you don't want to continue paying the PRG AF

Re: Which cards to apply for next

Anonymous — Wed, 08 Apr 2015 20:56:26 GMT

@Anonymous wrote:
@Anonymous wrote:
CSP and Freedom. They're all you need to turn all your flights into freebies.
With the exception of the first year bonus (and meeting $4K spend could be hard), a $35K income is unlikely to allow enough spending on the card to generate enough points for worthwhile awards, or justify the AF.

Yeah, exactly. It's not a really thoughtful recommendation, but like everyone said, it would be great if you could describe what your need is and what you want out of the cards we recommend ya.

Re: Which cards to apply for next

Anonymous — Wed, 08 Apr 2015 21:08:18 GMT

With your/partner's income level and likely travelling habits, I would PC the PRG to something without an annual fee. However, if your travel/spending supports it, then more power to you. If you could let us know what you're looking for in a card, and what your spending habits are like, then we could provide more targetted suggestions.

Re: Which cards to apply for next

Anonymous — Thu, 09 Apr 2015 12:33:07 GMT

Figure out her needs and then shop around for a card that fits them. Good luck!!!