@Aim_High wrote:
@FieryDance wrote:
@Anonymous wrote:oh I am intrigued. did you apply?
I did not.
After more research I decided to err on the side of caution and play nice. 😇I do still want to get in with US Bank and the Cash+ and this thread confirmed USB likes 0/6 and 0/12. My backup plan is my husband will be 0/6, 0/12, 2/24 in 2 months and I will task him with this app. His scores are only slightly lower but he has higher AAoA and fewer cards and HPs so hopefully US Bank will like his profile.
In this current economic climate, @FieryDance, that may be the smarter call. Lenders are not behaving as they were six months or a year ago, and outcomes for changes to our credit file can be difficult to predict. I admire your level-headedness to step back and not push too hard when you are in doubt. In time, I'm sure it will work out!
Thanks @Aim_High ! Can't wait till next year when we both can get in with US Bank. Before that we don't want a lump of coal!
And right now I am enjoying my spanking new CSR and just now I was delighted to discover gas counted as travel and was covered by the $300 annual credit.
@FieryDance wrote:
@Aim_High wrote:
@FieryDance wrote:
@Anonymous wrote:oh I am intrigued. did you apply?
I did not.
In this current economic climate, @FieryDance, that may be the smarter call. Lenders are not behaving as they were six months or a year ago, and outcomes for changes to our credit file can be difficult to predict. I admire your level-headedness to step back and not push too hard when you are in doubt. In time, I'm sure it will work out!
Thanks @Aim_High ! Can't wait till next year when we both can get in with US Bank. Before that we don't want a lump of coal!
And right now I am enjoying my spanking new CSR and just now I was delighted to discover gas counted as travel and was covered by the $300 annual credit.
Chase has been awesome with effects of coronavirus on travel cards. They are trying to keep people happy and not canceling these cards. I got an automatic $100 credit to offset the increase in fee from $450 to $550 after the Door Dash and Lyft adds, but I was still able to use those benefits. And I've been using the card for groceries and gas against my $300 annual travel credit also. Plus, I've had offers on my Chase Marriott Bonvoy Boundless card that gave me effectively 8% in reward points for restaurant and gas spending. All-in-all, I can't complain with the extras they have thrown in! Enjoy that sweet CSR!
