3-Card App Spree - Need some solid advice

[Anonymous]

$1=1pt, but 1pt is not = 1cent. Let me check where I saw it...click on "Pricing and Rewards Information" and under "Point Redemption" it plainly states: "...Redemption values for these reward options may vary." Yes, based on that a point may not be worth a cent....says terms will be sent or are on the website once you get access....so I'm leary until I hear confirmation.

[Anonymous]

Points are .75cpp to 1cpp depending on redemption method. 

Travel is the only way to get 1cpp. 

https://www.doctorofcredit.com/aboc-platinum-rewards-5x-rewards-on-rotating-categories/

[Anonymous]

Thank you @Saeren. There you have it it’s a 4% card unless you redeem via travel.

I’m still interested though anybody have any experience with it? Anybody know what they pull for credit card apps?

[Taurus22]

Yep. I just looked at all this and......this is a big bummer. That means it equates to 3.75% CB as statement credit.

Which means, there could be better options out there. Thank you for finding that @Saeren.

Because of that, I also went to re-check the Ducks Unlimited information and found out that I can not get any FNBO CC's in my area. So....looks like it's back to the drawing board.

Maybe this is just a sign for me to stop at 3 cards, and just not bother with trying for a 4th. The first 3 in my spree are my top target cards anyway......After the Uber Visa dropped out for me, I just considered the ABoC because it looked like a solid rotater. I could just get those 3, then garden a couple of years and wait for the "next big thing".

[Anonymous]

If you want another rotating card, you can join La Montañita food co-op and then join Nusenda credit union for their category card. 

https://www.nusenda.org/loans-credit-cards/credit-cards/platinum-cash-rewards-credit-card

Categories are the same every year so much easier to plan for. I have this one in my maybe list. 

[Anonymous]

I’m planning to do exactly that! 😁

Taurus22: No it’s 4% cash back and I don’t think ducks Unlimited is Geo restricted. either way you still got ft knox

[Taurus22]

@Saeren

I was just discussing the Nusenda card the other day. They are beginning to get very tight with their card/membership. People have been recently joining the "associated organizations" that would normally pre-qualify them for CU membership, but are still being turned down for the membership due to being outside the geographical restriction. And then they are out $10-25 for membership to something they didn't really have interest in anyway, in an attempt to get the CC. (And I'm WAY outside the GEO-area on the east coast)

It just seems like a LOT of hoops to jump through and a LOT of effort just for one card, and from what I've gathered, ultimately a lot of wasted time just to be turned down anyway.

If you do decide to take a shot, please come back and educate us. I would love to have the card, but.... eh.

[Anonymous]

I haven’t seen anyone say the Co-op got shot down, do you have links to such? The Co-op is becoming a part owner in the Co-op and Nusenda is their credit union partner so the co-op should really be considered an SEG. It’s not one of those groups that exist purely to get people into credit unions by dodging eligibility requirements and you’re doing something great for the communities that the credit union serves to boot. 

[MakingProgress]

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@Taurus22 wrote:

@StrykingSquirrel

That's outstanding! Congratulations! And thanks for coming back to update....knowing they pulled TU for you, with your current scores (I know everyone's profile is different) and AAoA, it gives me a good gauge to work with.

Since I only have 2/EQ HP for my truck loan (which doesn't affect CC app's from my understanding), If I can get lucky enough for Chase to pull EX, and USBank to pull TU, and Citi to pull EQ, I would be golden.

I blacklisted the Barclay Uber because: 

1: No Apply for Uber Visa advert. within my Uber app. (so technically I can't apply)

2: Lack of Uber customer support (it's unreal.....and a bit too shady for me, especially long-term)

So my spree is now:

1: Chase Freedom

2: US Bank Cash+

3: Citi Costco Anywhere

4: Depending how those go, (if I don't spook "myself") then I'm now looking at either ABoC Platinum or Ducks Unlimited as a possible 4th.

@MakingProgress

Lol wow......I'll probably have them tabbed, but (as Birdman7 suggested) I'll be checking the pulls between each to track the bureaus. Really don't wanna spook Chase.  

But that's a nice 3-card spree. Do you know which bureaus each one pulled? That would be good data points to add to what StrykingSquirrel just posted.

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FNBO pulled EX

Barclays and US Bank both hit TU

No PUlls on EQ

Having all tabs ready to go and just hitting submit as fast as you can is a gamble that you can do it fast enough for a new pull to not show yet.  Even if it didn't work I had No scorable in inq on TU, 1 on EQ, and none on EX,  So even if they all hit one, it wouldn't be that bad.

I noticed someone said that they couldn't get the Ducks Unlimited card because of their location.   I belive that Ducks is not limited by location because it is a Co-branded card. 

[Anonymous]

@MakingProgress: You’re not going to be able to push those buttons quick enough for it not to show. The beauty of the process is in being able to know which Bureau is being pulled as you go.

Preferably, you app for cards at different bureaus, so they don’t know about each other until they hit the files as new accounts at their respective bureau. (However sometimes an issuer subsequently SPs 1 of the other bureaus, which happens at times and then they can learn all of the other inquiry.) If two hit the same bureau, I promise you the second one will see the first one. It’s impossible to hit it that quick. The computers works sequentially not in parallel.