topic Re: Planning a small post mortgage app spree. in Credit Cards

Planning a small post mortgage app spree.

bman86 — Wed, 14 Aug 2013 18:35:11 GMT

Alright here's the plan for my app spree.

CSP

Slate

AMEX TrueEarnings

NFCU NavChk CLI to 15k

Thoughts or suggestions? Is there any better balance transfer cards out there then the slate?

Re: Planning a small post mortgage app spree.

myjourney — Wed, 14 Aug 2013 18:37:54 GMT

Citi simplicity has 0% 18 months BT 3% fee

Re: Planning a small post mortgage app spree.

09Lexie — Wed, 14 Aug 2013 18:40:49 GMT

For the 0% fee, I can't think of one. Slate has the niche. The only concern CB be their limits...sometimes they aren't so generous

Re: Planning a small post mortgage app spree.

bman86 — Wed, 14 Aug 2013 19:56:53 GMT

The transfer fee makes all the difference. I think I'll stick with the slate. I just apped the CSP. Instant approval for 10k which makes me a little nervous they won't approve the slate for that much.

Re: Planning a small post mortgage app spree.

myjourney — Wed, 14 Aug 2013 20:05:11 GMT

@bman86 wrote:
The transfer fee makes all the difference. I think I'll stick with the slate. I just apped the CSP. Instant approval for 10k which makes me a little nervous they won't approve the slate for that much.

Wooo Hooo

Cha Cha Ching$$$$$$$

Congrats

Before you make any moves does CSP have a BT I'm not sure?

EDIT 3% fee also

in that case I would go from the combo ....freedom

Re: Planning a small post mortgage app spree.

bman86 — Wed, 14 Aug 2013 20:04:21 GMT

I think it does at 15% though. The CSP doesn't have any apr promotions just the reward points.

Re: Planning a small post mortgage app spree.

myjourney — Wed, 14 Aug 2013 20:05:52 GMT

@bman86 wrote:
I think it does at 15% though. The CSP doesn't have any apr promotions just the reward points.

Balance Transfers

Either $5 or 3% of the amount of each transfer, whichever is greater.

Re: Planning a small post mortgage app spree.

bman86 — Wed, 14 Aug 2013 20:07:55 GMT

Yeah not a good one to balance transfer on the slate has 0% fee and 0% for 15mo

Re: Planning a small post mortgage app spree.

myjourney — Wed, 14 Aug 2013 20:13:32 GMT

@bman86 wrote:
Yeah not a good one to balance transfer on the slate has 0% fee and 0% for 15mo

Balance Transfer APR

0% Intro APR for the first 15 billing cycles that your Account is open.

After that, 12.99% to 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a

Chase seems to like you decision time good luck you will make a good choice

Re: Planning a small post mortgage app spree.

09Lexie — Wed, 14 Aug 2013 20:18:01 GMT

Go for the Slate, if the limit is too low move some from the CSP

Re: Planning a small post mortgage app spree.

bman86 — Wed, 14 Aug 2013 21:00:28 GMT

Here's a update!

Slate - Instant approval for 6k (only BT 2700)
NavChk - just got a text for approval 15k LOC
Amex - I'm thinking ill apply in store unless you can get an instant approval online?

Re: Planning a small post mortgage app spree.

myjourney — Wed, 14 Aug 2013 21:08:08 GMT

@bman86 wrote:
Here's a update!

Slate - Instant approval for 6k (only BT 2700)
NavChk - just got a text for approval 15k LOC
Amex - I'm thinking ill apply in store unless you can get an instant approval online?

Congarts looking good

Amex in store?

Re: Planning a small post mortgage app spree.

bman86 — Wed, 14 Aug 2013 21:09:35 GMT

The true earnings. I thought I remembered applying online you have wait for them to validate your membership?

Re: Planning a small post mortgage app spree.

sccredit — Wed, 14 Aug 2013 21:11:35 GMT

IIRC if you apply inline they have to verify membership. If you apply instore you can get instant approval

Re: Planning a small post mortgage app spree.

myjourney — Wed, 14 Aug 2013 21:11:52 GMT

@bman86 wrote:
The true earnings. I thought I remembered applying online you have wait for them to validate your membership?

Yes they have to validate....so I guess your on your way to Costco...

Re: Planning a small post mortgage app spree.

09Lexie — Wed, 14 Aug 2013 21:28:51 GMT

Congrats! Yes, for instant approval go to Costco.

Re: Planning a small post mortgage app spree.

bman86 — Wed, 14 Aug 2013 21:40:59 GMT

Thanks everyone!! Ill have to go to Costco tomorrow to apply.

Re: Planning a small post mortgage app spree.

myjourney — Wed, 14 Aug 2013 21:44:39 GMT

@bman86 wrote:
Thanks everyone!! Ill have to go to Costco tomorrow to apply.

You had a wonderful day BRAVO

I'm extending your day pass until tomorrow

Re: Planning a small post mortgage app spree.

bman86 — Wed, 14 Aug 2013 21:51:11 GMT

Awesome! Thank you! Can you please get my gloves and gardening tools ready?? Haha.

I logged into my chase account and both cards are already there! Can someone pm the number for the CSP to see if they will expedite it for me?

Re: Planning a small post mortgage app spree.

bman86 — Wed, 14 Aug 2013 22:42:39 GMT

I decided to apply online for the True Earnings card since I didn't mind waiting for a decision. I guess you can get a instant approval, I just put my costco member number on the app and got approved. I called in for my credit limit 6k so not a bad day!