topic Re: CHASE FREEDOM or US BANK CASH+ ? in Credit Cards

CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 03:46:00 GMT

im worried i may get hit by Adverse Action or decreased in limits if i start applying too many cards. I already have 1 this year (last month) so i think i may have to pick only 3 hard inquiries instead of 4. Deciding if i should go for US bank Cash+ or Chase Freedom. If i go with freedom i'll take 1 hard pull for 2 cards (Chase Sapphire Preferred and Freedom) the same time. Only thing i like about Cash+ is Starbucks and Jamba Juice. I could easily earn $100 a year from that alone. Who doesn't want to get paid eating healthy or get paid $100 a year drinking coffee ? Only downside is im not great talking or take telephone calls (social anxiety disorder) but im going have to get over that despite It being much easier for me to apply online. I just got FBNO but worried if they see new recent inquires they may cancel my card. I've heard rumors. Citi Double Cash doesn't seem to like inquires either and does not allowed to apply 2 cards at the same time so i have to do a trick if im applying another bank. Maybe open another browser. Citi Double cash i like to use for when i go to salon, spas and get my hair cut. US BANK CASH i'll use for Starbucks, Jamba juice and movies. if not i'll just use it for cell phone and gym and throw in my drawer. Freedom ? well its similar to Discover but people seem that having both really compliments each other. Some say to just apply all 4 cards. (Citi Double Cash, Chase Sapphire Preferred, Chse Freedom and US Bank Cash+) that would be 5 inquires in the last 6 months! Don't you think thats a bit ecessive towards my current cards who spy on me each month ? that's what im worried about.

US BANK CASH+ or CHASE FREEDOM ?

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 03:46:17 GMT

@Anonymous wrote:
im worried i may get hit by Adverse Action or decreased in limits if i start applying too many cards. I already have 1 this year (last month) so i think i may have to pick only 3 hard inquiries instead of 4. Deciding if i should go for US bank Cash+ or Chase Freedom. If i go with freedom i'll take 1 hard pull for 2 cards (Chase Sapphire Preferred and Freedom) the same time. Only thing i like about Cash+ is Starbucks and Jamba Juice. I could easily earn $100 a year from that alone. Who doesn't want to get paid eating healthy or get paid $100 a year drinking coffee ? Only downside is im not great talking or take telephone calls (social anxiety disorder). It's easier for me to apply online. I just got FBNO but worried if they see new recent inquires they may cancel my card. I've heard rumors. Citi Double Cash doesn't seem to like inquires either and does not allowed to apply 2 cards at the same time so i have to do a trick if im applying another bank. Maybe open another browser. Citi Double cash i like to use for when i go to salon, spas and get my hair cut. US BANK CASH i'll use for Starbucks, Jamba juice and movies. if not i'll just use it for cell phone and gym and throw in my drawer. Freedom ? well its similar to Discover but people seem that having both really compliments each other. Some say to just apply all 4 cards. (Citi Double Cash, Chase Sapphire Preferred, Chse Freedom and US Bank Cash+) that would be 5 inquires in the last 6 months! Don't you think thats a bit ecessive towards my current cards who spy on me each month ? that's what im worried about.

US BANK CASH+ or CHASE FREEDOM ?

Is that what the EMV freedom looks like? Yuck.

Just app it duder.

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 03:46:33 GMT

If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 03:47:47 GMT

@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.

Is this trustworthy?

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 03:48:20 GMT

And Jambajuice has even bigger discounts

http://www.giftcardgranny.com/store/jamba-juice/

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 03:49:59 GMT

@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
Is this trustworthy?

Yes, if there is a problem with the giftcard you can get a full refund easily, assuming you buy from vendors such as giftcard zen etc rather than the ebay offers.

I do this all the time for Petco, CVS and Starbucks, much bigger discounts then any credit card

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 03:51:58 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
Is this trustworthy?
Yes, if there is a problem with the giftcard you can get a full refund easily, assuming you buy from vendors such as giftcard zen etc rather than the ebay offers.

I do this all the time for Petco, CVS and Starbucks, much bigger discounts then any credit card

I guess i'm not as savvy as I previously thought.

This is WAY better than getting 5% off buying sbux gc's at WM with my SM.

Gonna use Discover to buy one of these to try

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 03:59:37 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
Is this trustworthy?
Yes, if there is a problem with the giftcard you can get a full refund easily, assuming you buy from vendors such as giftcard zen etc rather than the ebay offers.

I do this all the time for Petco, CVS and Starbucks, much bigger discounts then any credit card
I guess i'm not as savvy as I previously thought.
This is WAY better than getting 5% off buying sbux gc's at WM with my SM.
Gonna use Discover to buy one of these to try

Don't worry, I was the same. Cleverly buying Petco cards for 5% off at CVS with BC. I hope you have a starbucks gold though.

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 04:08:54 GMT

@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.

got to read these terms however i guess i could load it at starbucks and still get 5% back from cash+ PLUS 11% from giftcard or do i have to load it on the website ? that does not always count. reading the terms & conditons. I wish they had one like this for BP gas. I only saw Chase BP gas credit card which sucks. There's many giftcards you can buy on eBay. A lot people load it and try sell it for more or less. I don't know about this but i'll look into this. thanks

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 04:02:38 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
Is this trustworthy?
Yes, if there is a problem with the giftcard you can get a full refund easily, assuming you buy from vendors such as giftcard zen etc rather than the ebay offers.

I do this all the time for Petco, CVS and Starbucks, much bigger discounts then any credit card
I guess i'm not as savvy as I previously thought.
This is WAY better than getting 5% off buying sbux gc's at WM with my SM.
Gonna use Discover to buy one of these to try
Don't worry, I was the same. Cleverly buying Petco cards for 5% off at CVS with BC. I hope you have a starbucks gold though.

I certainly do!

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 04:03:51 GMT

@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
got to read these terms however i guess i could load it at starbucks and still get 5% back from cash+ PLUS 11% from giftcard or do i have to load it on the website ? that does not always count. reading the terms & conditons.

No, when you buy the card it is from a merchant that doesn't fall into bonus categories (except maybe Discover 4Q), so you would get 1% with Cash Plus. So I use 2% cards to maximize the benefit, but that is a small part of the total benefit.

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 04:05:44 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
got to read these terms however i guess i could load it at starbucks and still get 5% back from cash+ PLUS 11% from giftcard or do i have to load it on the website ? that does not always count. reading the terms & conditons.
No, when you buy the card it is from a merchant that doesn't fall into bonus categories (except maybe Discover 4Q), so you would get 1% with Cash Plus. So I use 2% cards to maximize the benefit, but that is a small part of the total benefit.

at 11% right off the bat + 5% from Discover...16% off starbucks

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 04:11:55 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
got to read these terms however i guess i could load it at starbucks and still get 5% back from cash+ PLUS 11% from giftcard or do i have to load it on the website ? that does not always count. reading the terms & conditons.
No, when you buy the card it is from a merchant that doesn't fall into bonus categories (except maybe Discover 4Q), so you would get 1% with Cash Plus. So I use 2% cards to maximize the benefit, but that is a small part of the total benefit.

2% as in Citi Double Cash and you buy these online and have it ship to your home accordinly ? starbucks gold is that their starbucks credit card ? i forgot all about that i saw this before. I wish they had one like this for BP gas. I only saw Chase BP gas credit card which sucks. There's many giftcards you can buy on eBay. A lot people load it and try sell it for more or less. I don't know about this but i'll look into this. thanks

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 04:30:29 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
got to read these terms however i guess i could load it at starbucks and still get 5% back from cash+ PLUS 11% from giftcard or do i have to load it on the website ? that does not always count. reading the terms & conditons.
No, when you buy the card it is from a merchant that doesn't fall into bonus categories (except maybe Discover 4Q), so you would get 1% with Cash Plus. So I use 2% cards to maximize the benefit, but that is a small part of the total benefit.
at 11% right off the bat + 5% from Discover...16% off starbucks

i usually use Bank America to buy starbucks because under their BankAmeriDeals using your debit or credit cards you get 10% off starbucks. But its not all year round and only good in store. you got read those tems and conditions !! unlike discover i think under their online portal you can using starbucks.com to buy their giftcards. But for granny you'll just get that discount. But i see what you're saying. 5% there. 10% there if not 2% or 1% in addiiton to the 11% granny offers.

can't you just wait until birthday and use this to buy annual gift cards ?

Birthday coupon for 15% off a purchase at StarbucksStore.com

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 04:34:34 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
got to read these terms however i guess i could load it at starbucks and still get 5% back from cash+ PLUS 11% from giftcard or do i have to load it on the website ? that does not always count. reading the terms & conditons.
No, when you buy the card it is from a merchant that doesn't fall into bonus categories (except maybe Discover 4Q), so you would get 1% with Cash Plus. So I use 2% cards to maximize the benefit, but that is a small part of the total benefit.
2% as in Citi Double Cash and you buy these online and have it ship to your home accordinly ? starbucks gold is that their starbucks credit card ? i forgot all about that i saw this before. I wish they had one like this for BP gas. I only saw Chase BP gas credit card which sucks. There's many giftcards you can buy on eBay. A lot people load it and try sell it for more or less. I don't know about this but i'll look into this. thanks

Double Cash or Fidelity Amex or NASA etc. Many are via email, so you get it straight away and can go onto the Starbucks website to reload your card.

The Starbucks gold isn't a credit card, just a reloadble card, that you load with credit, debit, cash or other gift cards (Don't use cash!) You get some discounts and earn stars for each purchase. Every 12 (I think) stars you get your choice of a free drink.

I am frequently surprised by people who obviously are very familiar with Starbucks (as in they come in and confidently order customized complex drinks) and then pay with a credit card. as you can use the credit card to load the gold card, and get all the benefits + the free drinks

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 04:37:14 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
got to read these terms however i guess i could load it at starbucks and still get 5% back from cash+ PLUS 11% from giftcard or do i have to load it on the website ? that does not always count. reading the terms & conditons.
No, when you buy the card it is from a merchant that doesn't fall into bonus categories (except maybe Discover 4Q), so you would get 1% with Cash Plus. So I use 2% cards to maximize the benefit, but that is a small part of the total benefit.
2% as in Citi Double Cash and you buy these online and have it ship to your home accordinly ? starbucks gold is that their starbucks credit card ? i forgot all about that i saw this before. I wish they had one like this for BP gas. I only saw Chase BP gas credit card which sucks. There's many giftcards you can buy on eBay. A lot people load it and try sell it for more or less. I don't know about this but i'll look into this. thanks
Double Cash or Fidelity Amex or NASA etc. Many are via email, so you get it straight away and can go onto the Starbucks website to reload your card.

The Starbucks gold isn't a credit card, just a reloadble card, that you load with credit, debit, cash or other gift cards (Don't use cash!) You get some discounts and earn stars for each purchase. Every 12 (I think) stars you get your choice of a free drink.

I am frequently surprised by people who obviously are very familiar with Starbucks (as in they come in and confidently order customized complex drinks) and then pay with a credit card. as you can use the credit card to load the gold card, and get all the benefits + the free drinks

That was me some time ago.

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 04:47:48 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
got to read these terms however i guess i could load it at starbucks and still get 5% back from cash+ PLUS 11% from giftcard or do i have to load it on the website ? that does not always count. reading the terms & conditons.
No, when you buy the card it is from a merchant that doesn't fall into bonus categories (except maybe Discover 4Q), so you would get 1% with Cash Plus. So I use 2% cards to maximize the benefit, but that is a small part of the total benefit.
2% as in Citi Double Cash and you buy these online and have it ship to your home accordinly ? starbucks gold is that their starbucks credit card ? i forgot all about that i saw this before. I wish they had one like this for BP gas. I only saw Chase BP gas credit card which sucks. There's many giftcards you can buy on eBay. A lot people load it and try sell it for more or less. I don't know about this but i'll look into this. thanks
Double Cash or Fidelity Amex or NASA etc. Many are via email, so you get it straight away and can go onto the Starbucks website to reload your card.

The Starbucks gold isn't a credit card, just a reloadble card, that you load with credit, debit, cash or other gift cards (Don't use cash!) You get some discounts and earn stars for each purchase. Every 12 (I think) stars you get your choice of a free drink.

I am frequently surprised by people who obviously are very familiar with Starbucks (as in they come in and confidently order customized complex drinks) and then pay with a credit card. as you can use the credit card to load the gold card, and get all the benefits + the free drinks

That was me some time ago.

can't you just wait until birthday and use this to buy annual gift cards ?

Birthday coupon for 15% off a purchase at StarbucksStore.com

or use BankAmeriDeals 10% off starbucks to load your starbucks gold card ? are you saying to buy gift card from granny 11% and load it onto the starbucks gold card ?

Re: CHASE FREEDOM or US BANK CASH+ ?

uswala — Sun, 16 Nov 2014 05:02:28 GMT

@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.

There are many other such sites where you can get discounted gift cards such as cardpool, raise, GiftCardZen, cardcash, et.c. But some people

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 05:05:42 GMT

@uswala wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
There are many other such sites where you can get discounted gift cards such as cardpool, raise, GiftCardZen, cardcash, et.c. But some people

I guess you didn't look at the URL. Giftcardgranny is a search engine, that shows all of those sites and more.

Re: CHASE FREEDOM or US BANK CASH+ ?

Anonymous — Sun, 16 Nov 2014 05:25:35 GMT

@uswala wrote:
@Anonymous wrote:
If Starbucks is a major reason, just go to giftcardgranny

http://www.giftcardgranny.com/store/starbucks/

You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.

All without an inq.
There are many other such sites where you can get discounted gift cards such as cardpool, raise, GiftCardZen, cardcash, et.c. But some people

i never got the gold starbucks card because $150 for 30 drinks i+ 2 free drinks only 5 - 7 % but i guess i see the hassel using 2 - 3 cards to expand the discounts. Like if i used a reward credit card (2%) to purchase discounted gift cards (granny) 11% and load it on the discounted starbucks card (starbucks gold card) up to 7% that would be a total of 18% - 20% overall discount drinking starbucks each time. or just wait and use 15% birthday (starbucks rewards) and use 10% BankAmeriDeal card and get 30% - 32% overall discount drinking starbucks each time. or 15% birtdhay (starbucks rewards) + 5% cash+ or 5% Discover and get toal 25% - 27% % off discount drinking starbucks each time you drink starbucks. that's using 3 sources just to expland your savings. I wish they would just make one cards for everything so i wont have to have so many cards!!