topic Re: Short-lived, low-bonus accounts in Credit Cards

Short-lived, low-bonus accounts

Anonymous — Fri, 08 Jan 2016 22:42:29 GMT

I see threads where people with reasonably good credit open cards (with no annual fee, no special perks, and a tiny signup bonus) and then close them a few days/weeks/months later. Some accounts get closed with less than a year of history and minimal total rewards.

Does anyone else have an "each of those accounts could have provided a nice signup bonus" reaction? With or without a good bonus, AAoA grows more slowly, and the reports will look similar under manual review.

Obviously a person would have to meet minimum spend to get those bonuses, but a lot of decent ones only require $1k spending over three months.

Re: Short-lived, low-bonus accounts

Anonymous — Fri, 08 Jan 2016 23:42:59 GMT

@Anonymous wrote:
I see threads where people with reasonably good credit open cards (with no annual fee, no special perks, and a tiny signup bonus) and then close them a few days/weeks/months later. Some accounts get closed with less than a year of history and minimal total rewards.

Does anyone else have an "each of those accounts could have provided a nice signup bonus" reaction? With or without a good bonus, AAoA grows more slowly, and the reports will look similar under manual review.

Obviously a person would have to meet minimum spend to get those bonuses, but a lot of decent ones only require $1k spending over three months.

Personally, I only app for cards that I know I will definitely keep open and actually use.

Doesn't matter if they have a bonus or not, it is just an incentive to app for them (ie AARP $200 bonus)

Re: Short-lived, low-bonus accounts

Callandra — Sat, 09 Jan 2016 01:08:18 GMT

^I agree with above. A bonus is nice but not a deal-maker for me. I like cards that I will use over the long term. Of all my cards, the only ones with "real" bonuses have been QS and Freedom. While I sock drawered Freedom (no use for it anymore due to useless/uninteresting categories), it was a card I planned to use for the long term. I did get a $25 bonus with Sallie Mae but I've gotten the most cash back out of that card that the bonus was just icing on the cake. I can't be bothered to manage a ton of accounts and I guess I'm just not the type to bonus chase.

Re: Short-lived, low-bonus accounts

Anonymous — Sat, 09 Jan 2016 18:47:43 GMT

@Anonymous wrote:
@Anonymous wrote:
I see threads where people with reasonably good credit open cards (with no annual fee, no special perks, and a tiny signup bonus) and then close them a few days/weeks/months later. Some accounts get closed with less than a year of history and minimal total rewards.

Does anyone else have an "each of those accounts could have provided a nice signup bonus" reaction? With or without a good bonus, AAoA grows more slowly, and the reports will look similar under manual review.

Obviously a person would have to meet minimum spend to get those bonuses, but a lot of decent ones only require $1k spending over three months.
Personally, I only app for cards that I know I will definitely keep open and actually use.

Doesn't matter if they have a bonus or not, it is just an incentive to app for them (ie AARP $200 bonus)

I'm not sure which cards you're the primary vs. an AU on, but how do you allocate spending across two 2% cards and two 1.5% cards (all Visas)? If you want to keep a Venture (good rewards, a good CL, and no FTFs), the other three would seem to be useless.

Re: Short-lived, low-bonus accounts

Anonymous — Sat, 09 Jan 2016 19:36:16 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I see threads where people with reasonably good credit open cards (with no annual fee, no special perks, and a tiny signup bonus) and then close them a few days/weeks/months later. Some accounts get closed with less than a year of history and minimal total rewards.

Does anyone else have an "each of those accounts could have provided a nice signup bonus" reaction? With or without a good bonus, AAoA grows more slowly, and the reports will look similar under manual review.

Obviously a person would have to meet minimum spend to get those bonuses, but a lot of decent ones only require $1k spending over three months.
Personally, I only app for cards that I know I will definitely keep open and actually use.

Doesn't matter if they have a bonus or not, it is just an incentive to app for them (ie AARP $200 bonus)
I'm not sure which cards you're the primary vs. an AU on, but how do you allocate spending across two 2% cards and two 1.5% cards (all Visas)? If you want to keep a Venture (good rewards, a good CL, and no FTFs), the other three would seem to be useless.

Good question! (btw all cards in my sig are my own, not AU)

The cap one cards I just got to combine them into my first QS.

I plan to use it for any form of traveling, where there is no FTF and credit limit to worry about. It also serves as a backup in case my 2% FNBO goes away.

Re: Short-lived, low-bonus accounts

Anonymous — Sat, 09 Jan 2016 19:51:16 GMT

Discover IT has no bonus minimum spend to meet, but it's one of my most-used cards because of the double cash back.

The other two wish list cards have varying degrees of spending difficulty to achieve, EDP I could wipe out that $1000 bonus pretty easily with one trip to the Apple Store. CSP is a little trickier, to the point where it might be worth it to not try for it right away or at all. Even though it is one of the better travel cards out there. I could accomplish better bonus spending with the PRG, and you could make the argument the PRG is better in most departments.

Re: Short-lived, low-bonus accounts

gdale6 — Sat, 09 Jan 2016 19:59:11 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I see threads where people with reasonably good credit open cards (with no annual fee, no special perks, and a tiny signup bonus) and then close them a few days/weeks/months later. Some accounts get closed with less than a year of history and minimal total rewards.

Does anyone else have an "each of those accounts could have provided a nice signup bonus" reaction? With or without a good bonus, AAoA grows more slowly, and the reports will look similar under manual review.

Obviously a person would have to meet minimum spend to get those bonuses, but a lot of decent ones only require $1k spending over three months.
Personally, I only app for cards that I know I will definitely keep open and actually use.

Doesn't matter if they have a bonus or not, it is just an incentive to app for them (ie AARP $200 bonus)
I'm not sure which cards you're the primary vs. an AU on, but how do you allocate spending across two 2% cards and two 1.5% cards (all Visas)? If you want to keep a Venture (good rewards, a good CL, and no FTFs), the other three would seem to be useless.
Good question! (btw all cards in my sig are my own, not AU)

The cap one cards I just got to combine them into my first QS.
I plan to use it for any form of traveling, where there is no FTF and credit limit to worry about. It also serves as a backup in case my 2% FNBO goes away.

What do you mean by this??

Re: Short-lived, low-bonus accounts

Anonymous — Sun, 10 Jan 2016 04:19:24 GMT

@Anonymous wrote:
Discover IT has no bonus minimum spend to meet, but it's one of my most-used cards because of the double cash back.

The other two wish list cards have varying degrees of spending difficulty to achieve, EDP I could wipe out that $1000 bonus pretty easily with one trip to the Apple Store. CSP is a little trickier, to the point where it might be worth it to not try for it right away or at all. Even though it is one of the better travel cards out there. I could accomplish better bonus spending with the PRG, and you could make the argument the PRG is better in most departments.

If you buy from Apple.com with your Discover, using the portal:

(1% base rewards + 5% Dicover Deals cashback bonus) * Double Rewards promo = 12% cash back

~~Discover says the 5% bonus excludes MacBooks, but I got it on a MacBook, anyway.~~

Edit: The "excluded items" list changes from time to time, and bonus rewards on officially excluded items may or may not be honored.

Re: Short-lived, low-bonus accounts

UncleB — Sat, 09 Jan 2016 20:23:59 GMT

I don't really pay that much attention to bonuses at all, with the exception of the BCP - it's an 'exception' since I consider the $150 bonus the equivalent of a 'rebate' of the first two year's annual fee. In the event that my rewards from the BCP were less than I anticipated, the bonus still made giving it a try 'worth it' (the BCP does not waive the first year fee). As it turns out it would still be worth it even without the bonus, but it was nice knowing it wouldn't cost me anything if that hadn't been the case.

The card that is my most valuable rewards-wise is the Sam's Club MasterCard, and it's reward was a paltry $20 (and due to a glitch, I had to contact customer service twice even to get that). My Quicksilver provided a $100 bonus, which was nice considering I would have made the purchases anyway. The other cards I have either had a very small bonus (USAA Visa was $25) or none at all (Discover), but I got each of them because I actually wanted the account, not for a one-time payout.

Basically, I consider my wallet precious real estate and each of my cards has to 'earn' it's place - bonuses don't count.

I'm not a bonus chaser, but I don't judge folks who are. To me, though, it's just not a fit (for me) at this time. I'm just coming out of rebuilding mode (my last baddie drops this year), so doing anything to lower my already fragile AAoA would be foolish. Once my AAoA is nice and stable, I might be a bit more adventurous and 'harvest' a few bonuses, but for now I'm very pleased with what I have.

Re: Short-lived, low-bonus accounts

Anonymous — Sat, 09 Jan 2016 22:42:14 GMT

@Anonymous wrote:
@Anonymous wrote:
Discover IT has no bonus minimum spend to meet, but it's one of my most-used cards because of the double cash back.

The other two wish list cards have varying degrees of spending difficulty to achieve, EDP I could wipe out that $1000 bonus pretty easily with one trip to the Apple Store. CSP is a little trickier, to the point where it might be worth it to not try for it right away or at all. Even though it is one of the better travel cards out there. I could accomplish better bonus spending with the PRG, and you could make the argument the PRG is better in most departments.

If you buy from Apple.com with your Discover, using the portal:

(1% base rewards + 5% Dicover Deals cashback bonus) * Double Rewards promo = 12% cash back

Discover says the 5% bonus excludes MacBooks, but I got it on a MacBook, anyway.

I've seen that, and it's the iPad Pro they exclude. The Macbook Pro is included in the deal. The Discover card is primarily a bill pay card, and it's only at $1400 CL. Not useful for buying a Macbook since that would put it at or near the limit rather quickly. If nothing else I'm hoping for an Amazon CLI from $800 and I'll use that, or put it on the Chase Freedom or AMEX.

Re: Short-lived, low-bonus accounts

myjourney — Sun, 10 Jan 2016 00:23:41 GMT

@UncleB wrote:
I don't really pay that much attention to bonuses at all, with the exception of the BCP - it's an 'exception' since I consider the $150 bonus the equivalent of a 'rebate' of the first two year's annual fee. In the event that my rewards from the BCP were less than I anticipated, the bonus still made giving it a try 'worth it' (the BCP does not waive the first year fee). As it turns out it would still be worth it even without the bonus, but it was nice knowing it wouldn't cost me anything if that hadn't been the case.

The card that is my most valuable rewards-wise is the Sam's Club MasterCard, and it's reward was a paltry $20 (and due to a glitch, I had to contact customer service twice even to get that). My Quicksilver provided a $100 bonus, which was nice considering I would have made the purchases anyway. The other cards I have either had a very small bonus (USAA Visa was $25) or none at all (Discover), but I got each of them because I actually wanted the account, not for a one-time payout.

Basically, I consider my wallet precious real estate and each of my cards has to 'earn' it's place - bonuses don't count.

I'm not a bonus chaser, but I don't judge folks who are. To me, though, it's just not a fit (for me) at this time. I'm just coming out of rebuilding mode (my last baddie drops this year), so doing anything to lower my already fragile AAoA would be foolish. Once my AAoA is nice and stable, I might be a bit more adventurous and 'harvest' a few bonuses, but for now I'm very pleased with what I have.

UncleB ^^^^^^^^^^^^

I like this answer for a lot of reasons...Bravo bravo bravo

Do I look at what and why a person got XXX card with low bonus .....NO.... not my business

Everyone and their profile is extremely different as are their needs in a card

So are the conditions of where they are in their credit journey

Examples:

Re-builders shouldn't target a CSP w/o building history and or cleaning CR's to fulfill the chances of getting that card

Someone with no credit shouldn't be thinking Amex Plat as a first card

No matter if building/rebuilding or beyond that stage it still boils down to spending and in this game someone on a low fixed income can still get rewards via travel/cashback weather the bonus is $25 or $625 it's still a savings in their pockets

The fixed or currently low income person shouldn't be looking at the bonus as the only reason in the selection of a card and neither should anyone else honestly

Bonuses weren't around say 15 years ago and with all the devaluations we see now it's just a matter of time before

A) there all gone

B) they're all $25-$100

So then the question becomes the person that made the choice to seek the higher bonuses including myself

Note: (I built up to this point slowly and I might add with small bonuses and sometimes no bonus)

"What will you do then take the $25-$100 and be happy or get out of the game and not use free money because in the end CC's are still a way to float free loans for XXX amount of days?"

Which was the number one reason a card was choose with the second being BT long before bonuses

This is news 7 and my editorial and may not be reflect the views of this station ....Lol

Re: Short-lived, low-bonus accounts

Anonymous — Sun, 10 Jan 2016 02:26:11 GMT

I really dont stay that often with IHG...but it was a no brainer to me to get it as the annual free night outweighs the AF.

I do think some people act on impulse, but that is all part of learning. I don't see anything wrong with someone who isnt buying a house or a car, using some of their inquiries to get a card or two each year, strictly for the sign on bonus. Heck their annual CC spend probably would never even be HALF of what the bonus is valued at. This is a mild churning mentality here, and is risky. It wont go on forever anyway. But at the end of the day, its not going to make anyone rich. I dont have a problem with someone apping for a CSP if they are preapproved, and they dont spend enough for the AF to make sense. If they can afford the bonus spend, then go for it, and downgrade it or do what you gotta do.

I am a hoarder, I hoard my points, my cash back, and my limits. I would think many people would do the exact opposite, and that is fine too. I am sure many folks opened up freedom cards to save a few bucks on an xbox one or whatever this past christmas. Who am I to judge.

The one thing I dont get is folks that will apply for something and think they got the best bonus. But hey, even I made that mistake with my silly amex POT feature. There is a 10k MR bonus for that. Its hard to stay on top of everything all the time lol.

Re: Short-lived, low-bonus accounts

Anonymous — Sun, 10 Jan 2016 02:36:32 GMT

@myjourney wrote:
The fixed or currently low income person shouldn't be looking at the bonus as the only reason in the selection of a card and neither should anyone else honestly

Bonuses weren't around say 15 years ago and with all the devaluations we see now it's just a matter of time before
A) there all gone
B) they're all $25-$100
So then the question becomes the person that made the choice to seek the higher bonuses including myself
Note: (I built up to this point slowly and I might add with small bonuses and sometimes no bonus)

"What will you do then take the $25-$100 and be happy or get out of the game and not use free money because in the end CC's are still a way to float free loans for XXX amount of days?"

Which was the number one reason a card was choose with the second being BT long before bonuses

This is news 7 and my editorial and may not be reflect the views of this station ....Lol
MJ

Not sure I agree with the bolded statement. There is a thread about the Freedom where the OP is on a fixed income, and the bonus is ALL that is important, as he/she doesn't expect to make much at all from spending. At a certain stage (with a robust profile) it's perferctly reasonable to choose bonus as the first and only reason when considering a card. Rewards earned from spending are usually a lot less than a bonus.

Re what happens when.... Yesterday MS took a big hit, so I stop for now and wait. Same with bonuses. If they go away, or go to $25-100, bonus churning will stop (not that I do that as it happens) but I I will still continue to use credit cards, and may apply for one that increases rewards, but will continue look out for any bonuses that do come up.

Re: Short-lived, low-bonus accounts

myjourney — Sun, 10 Jan 2016 02:49:50 GMT

@Anonymous wrote:
@myjourney wrote:
The fixed or currently low income person shouldn't be looking at the bonus as the only reason in the selection of a card and neither should anyone else honestly

Bonuses weren't around say 15 years ago and with all the devaluations we see now it's just a matter of time before
A) there all gone
B) they're all $25-$100
So then the question becomes the person that made the choice to seek the higher bonuses including myself
Note: (I built up to this point slowly and I might add with small bonuses and sometimes no bonus)

"What will you do then take the $25-$100 and be happy or get out of the game and not use free money because in the end CC's are still a way to float free loans for XXX amount of days?"

Which was the number one reason a card was choose with the second being BT long before bonuses

This is news 7 and my editorial and may not be reflect the views of this station ....Lol
MJ

Not sure I agree with the bolded statement. There is a thread about the Freedom where the OP is on a fixed income, and the bonus is ALL that is important, as he/she doesn't expect to make much at all from spending. At a certain stage (with a robust profile) it's perferctly reasonable to choose bonus as the first and only reason when considering a card. Rewards earned from spending are usually a lot less than a bonus.

Re what happens when.... Yesterday MS took a big hit, so I stop for now and wait. Same with bonuses. If they go away, or go to $25-100, bonus churning will stop (not that I do that as it happens) but I I will still continue to use credit cards, and may apply for one that increases rewards, but will continue look out for any bonuses that do come up.

Oh agreed LTL in isolated cases it happens

My statement was a continuation of the one above it...

"someone on a low fixed income can still get rewards via travel/cashback weather the bonus is $25 or $625 it's still a savings in their pockets"

Explain red statement LTL .....inquiring mind want to know... Lol What I miss?

Re: Short-lived, low-bonus accounts

Anonymous — Sun, 10 Jan 2016 04:15:18 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Discover IT has no bonus minimum spend to meet, but it's one of my most-used cards because of the double cash back.

The other two wish list cards have varying degrees of spending difficulty to achieve, EDP I could wipe out that $1000 bonus pretty easily with one trip to the Apple Store. CSP is a little trickier, to the point where it might be worth it to not try for it right away or at all. Even though it is one of the better travel cards out there. I could accomplish better bonus spending with the PRG, and you could make the argument the PRG is better in most departments.

If you buy from Apple.com with your Discover, using the portal:

(1% base rewards + 5% Dicover Deals cashback bonus) * Double Rewards promo = 12% cash back

Discover says the 5% bonus excludes MacBooks, but I got it on a MacBook, anyway.

I've seen that, and it's the iPad Pro they exclude. The Macbook Pro is included in the deal. The Discover card is primarily a bill pay card, and it's only at $1400 CL. Not useful for buying a Macbook since that would put it at or near the limit rather quickly. If nothing else I'm hoping for an Amazon CLI from $800 and I'll use that, or put it on the Chase Freedom or AMEX.

I looked again and they've changed the items officially excluded. I might be wrong about Discover giving rewards on officially excluded items. I got the portal bonus on a MacBook Air at a time when the excluded items list may have only included basic MacBooks (not Air or Pro). I can't be certain.

As far as the CL, that's definitely an obstacle. You might be able to call Discover, tell them why you want a bigger CL, and get a SP CLI.

Re: Short-lived, low-bonus accounts

Imperfectfuture — Sun, 10 Jan 2016 04:16:25 GMT

@myjourney wrote:
@UncleB wrote:
I don't really pay that much attention to bonuses at all, with the exception of the BCP - it's an 'exception' since I consider the $150 bonus the equivalent of a 'rebate' of the first two year's annual fee. In the event that my rewards from the BCP were less than I anticipated, the bonus still made giving it a try 'worth it' (the BCP does not waive the first year fee). As it turns out it would still be worth it even without the bonus, but it was nice knowing it wouldn't cost me anything if that hadn't been the case.

The card that is my most valuable rewards-wise is the Sam's Club MasterCard, and it's reward was a paltry $20 (and due to a glitch, I had to contact customer service twice even to get that). My Quicksilver provided a $100 bonus, which was nice considering I would have made the purchases anyway. The other cards I have either had a very small bonus (USAA Visa was $25) or none at all (Discover), but I got each of them because I actually wanted the account, not for a one-time payout.

Basically, I consider my wallet precious real estate and each of my cards has to 'earn' it's place - bonuses don't count.

I'm not a bonus chaser, but I don't judge folks who are. To me, though, it's just not a fit (for me) at this time. I'm just coming out of rebuilding mode (my last baddie drops this year), so doing anything to lower my already fragile AAoA would be foolish. Once my AAoA is nice and stable, I might be a bit more adventurous and 'harvest' a few bonuses, but for now I'm very pleased with what I have.
UncleB ^^^^^^^^^^^^
I like this answer for a lot of reasons...Bravo bravo bravo

Do I look at what and why a person got XXX card with low bonus .....NO.... not my business
Everyone and their profile is extremely different as are their needs in a card
So are the conditions of where they are in their credit journey

Examples:
Re-builders shouldn't target a CSP w/o building history and or cleaning CR's to fulfill the chances of getting that card
Someone with no credit shouldn't be thinking Amex Plat as a first card
No matter if building/rebuilding or beyond that stage it still boils down to spending and in this game someone on a low fixed income can still get rewards via travel/cashback weather the bonus is $25 or $625 it's still a savings in their pockets
The fixed or currently low income person shouldn't be looking at the bonus as the only reason in the selection of a card and neither should anyone else honestly

Bonuses weren't around say 15 years ago and with all the devaluations we see now it's just a matter of time before
A) there all gone
B) they're all $25-$100
So then the question becomes the person that made the choice to seek the higher bonuses including myself
Note: (I built up to this point slowly and I might add with small bonuses and sometimes no bonus)

"What will you do then take the $25-$100 and be happy or get out of the game and not use free money because in the end CC's are still a way to float free loans for XXX amount of days?"

Which was the number one reason a card was choose with the second being BT long before bonuses

This is news 7 and my editorial and may not be reflect the views of this station ....Lol
MJ

Totally agree, since pre 2008, my cards had no rewards. So, I am looking at a mix of cash back and float money perks.

Re: Short-lived, low-bonus accounts

Imperfectfuture — Sun, 10 Jan 2016 04:19:21 GMT

@myjourney wrote:
@Anonymous wrote:
@myjourney wrote:
The fixed or currently low income person shouldn't be looking at the bonus as the only reason in the selection of a card and neither should anyone else honestly

Bonuses weren't around say 15 years ago and with all the devaluations we see now it's just a matter of time before
A) there all gone
B) they're all $25-$100
So then the question becomes the person that made the choice to seek the higher bonuses including myself
Note: (I built up to this point slowly and I might add with small bonuses and sometimes no bonus)

"What will you do then take the $25-$100 and be happy or get out of the game and not use free money because in the end CC's are still a way to float free loans for XXX amount of days?"

Which was the number one reason a card was choose with the second being BT long before bonuses

This is news 7 and my editorial and may not be reflect the views of this station ....Lol
MJ

Not sure I agree with the bolded statement. There is a thread about the Freedom where the OP is on a fixed income, and the bonus is ALL that is important, as he/she doesn't expect to make much at all from spending. At a certain stage (with a robust profile) it's perferctly reasonable to choose bonus as the first and only reason when considering a card. Rewards earned from spending are usually a lot less than a bonus.

Re what happens when.... Yesterday MS took a big hit, so I stop for now and wait. Same with bonuses. If they go away, or go to $25-100, bonus churning will stop (not that I do that as it happens) but I I will still continue to use credit cards, and may apply for one that increases rewards, but will continue look out for any bonuses that do come up.
Oh agreed LTL in isolated cases it happens
My statement was a continuation of the one above it...
"someone on a low fixed income can still get rewards via travel/cashback weather the bonus is $25 or $625 it's still a savings in their pockets"

Explain red statement LTL .....inquiring mind want to know... Lol What I miss?

Check out smorgasbord and serve thread, then Google.

Re: Short-lived, low-bonus accounts

myjourney — Sun, 10 Jan 2016 04:29:50 GMT

@Imperfectfuture wrote:
@myjourney wrote:
@Anonymous wrote:
@myjourney wrote:
The fixed or currently low income person shouldn't be looking at the bonus as the only reason in the selection of a card and neither should anyone else honestly

Bonuses weren't around say 15 years ago and with all the devaluations we see now it's just a matter of time before
A) there all gone
B) they're all $25-$100
So then the question becomes the person that made the choice to seek the higher bonuses including myself
Note: (I built up to this point slowly and I might add with small bonuses and sometimes no bonus)

"What will you do then take the $25-$100 and be happy or get out of the game and not use free money because in the end CC's are still a way to float free loans for XXX amount of days?"

Which was the number one reason a card was choose with the second being BT long before bonuses

This is news 7 and my editorial and may not be reflect the views of this station ....Lol
MJ

Not sure I agree with the bolded statement. There is a thread about the Freedom where the OP is on a fixed income, and the bonus is ALL that is important, as he/she doesn't expect to make much at all from spending. At a certain stage (with a robust profile) it's perferctly reasonable to choose bonus as the first and only reason when considering a card. Rewards earned from spending are usually a lot less than a bonus.

Re what happens when.... Yesterday MS took a big hit, so I stop for now and wait. Same with bonuses. If they go away, or go to $25-100, bonus churning will stop (not that I do that as it happens) but I I will still continue to use credit cards, and may apply for one that increases rewards, but will continue look out for any bonuses that do come up.
Oh agreed LTL in isolated cases it happens
My statement was a continuation of the one above it...
"someone on a low fixed income can still get rewards via travel/cashback weather the bonus is $25 or $625 it's still a savings in their pockets"

Explain red statement LTL .....inquiring mind want to know... Lol What I miss?
Check out smorgasbord and serve thread, then Google.

Thank you

I'm on it

Re: Short-lived, low-bonus accounts

Anonymous — Sun, 10 Jan 2016 07:25:07 GMT

I do plan on doing that eventually, probably around six months. They have the best deal through their portal, better than the 2% extra Chase offers.