@Anonymous wrote:
Honestly, the cash back and 0% financing was appealing. I'm getting ready to furnish our new home and I wanted to reap the benefits of the Freedom card.
At the moment the limit is so low, the cash back option isn't really compelling. I find myself using it the least. I think I'll just SD it for now but it's a total bummer to waste the promo APR.
I would do the cobranded card route if you want an increase. My suggestion is the Marriott Premier because the AF is waived for the first year, you get a free night upon approval (along with Silver Elite status), and it seems that its pretty generous with SLs.
That sounds like a good one. I think once these report, I'll see where I stand. I can't wait to close the secured card, I am ridiculously happy that it's become superfluous. 
@Anonymous wrote:
That sounds like a good one. I think once these report, I'll see where I stand. I can't wait to close the secured card, I am ridiculously happy that it's become superfluous.
I just can't quit mine. I am keeping my junky secured card because I look as far ahead as 10 years and know that it will drop me some few measly points so I am stuck paying $29 yearly on a card I don't use. I am however, making sure that my sister doesn't fall into the same trap.
The best thing to do is to let all them report and then wait a bit after.
Must garden until 2/1/2022 to hit my goal AAOA. 
@Anonymous wrote:
Honestly, the cash back and 0% financing was appealing. I'm getting ready to furnish our new home and I wanted to reap the benefits of the Freedom card.
At the moment the limit is so low, the cash back option isn't really compelling. I find myself using it the least. I think I'll just SD it for now but it's a total bummer to waste the promo APR.
As another poster noted, you probably have not been working the Freedom card nearly enough. 2 months of maxing it out? you need to do a lot more than that, and that 5% on restaurants in Q2 is a good place to start. The thing about auto CLI, you never can plan when they will occur until you see it. So keep trying.
Max it to like $450, PIF, then do the same again next week. Keep it active and the CLI will probably follow, at least enough on no HP to get a reasonable limit. Call it a gardening project.
