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Which Card(s) to Apply For?

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Lancelot99
Established Member

Re: Which Card(s) to Apply For?

Unrelated topic and I'll start a new thread if you think I should but it's a quick Q, Gmood1.

 

With that many cards, how do you store them all?  I was thinking something like this.  https://www.staples.com/Cardinal-Business-Collection-Card-File-Black-96-Card-Capacity-4-1-2-x-1-2-x-...

 

FYI I think I've settled on Citi DC, Penfed Promise, CFU, and maybe US Bank Cash+ for my first spree.  Have to do a little research on their HPs in CA but ready to take the plunge soon once all the current accounts report 0.

 

Thanks for all the great advice in this thread!

08/04/13 FICO 8: EQ 668; EX 664; TU 624
05/09/18 FICO 8: EQ 826; EX 816; TU 825
09/18/21 FICO 8: EQ 831; EX 832; TU 830
TCL: $180,800
Message 71 of 92
Gmood1
Super Contributor

Re: Which Card(s) to Apply For?


wrote:

Unrelated topic and I'll start a new thread if you think I should but it's a quick Q, Gmood1.

 

With that many cards, how do you store them all?  I was thinking something like this.  https://www.staples.com/Cardinal-Business-Collection-Card-File-Black-96-Card-Capacity-4-1-2-x-1-2-x-...

 

FYI I think I've settled on Citi DC, Penfed Promise, CFU, and maybe US Bank Cash+ for my first spree.  Have to do a little research on their HPs in CA but ready to take the plunge soon once all the current accounts report 0.

 

Thanks for all the great advice in this thread!


No problem my friend. I'm no expert. Just giving my experiences. And passing on info some of the long time members passed on to me.

Nice CC picks you have there. That's not a bad idea having a card file storage . Currently my extra cards are stored in the night stand.

The rest of them are carried in this billfold https://www.overstock.com/Clothing-Shoes/Colombo-RFID-Long-Credit-Card-Wallet/4094913/product.html?r...

Yes.. I normally have 20 or so cards on me most of the time. lol

Message 72 of 92
Lancelot99
Established Member

Re: Which Card(s) to Apply For?

You carry 20 at a time?  Wifey chides me for carrying 4, like why do you even need 4?  Not mad but just perplexed, haha.

 

I'm thinking CFU and Citi first, then Penfed quickly next, not quite sure yet if I want Cash+ or not.  My first spree, I want to be a little cautious, lol.  And I might need a HP on BofA just to get a CLI.  

08/04/13 FICO 8: EQ 668; EX 664; TU 624
05/09/18 FICO 8: EQ 826; EX 816; TU 825
09/18/21 FICO 8: EQ 831; EX 832; TU 830
TCL: $180,800
Message 73 of 92
Gmood1
Super Contributor

Re: Which Card(s) to Apply For?

Ha ha,
Yup.. I like choices.
Hit US bank first if you decide on that one.
If not , the others will all be EX and EQ, mainly EQ. I apped Amex, Penfed, Chase, BofA and Citi in the same week, if memory serves me correctly. All were approved back then. BofA was the last in that line. I did have to talk to a UW for verification. She just wanted to make sure I was the one that applied, before she gave her stamp of approval. I think you'll be fine any way you go with your choices.
Message 74 of 92
Anonymous
Not applicable

Re: Which Card(s) to Apply For?

I'm just surprise you haven't developed Sciatica from carrying around all those cards.

Message 75 of 92
Anonymous
Not applicable

Re: Which Card(s) to Apply For?

Well... I fell off the wagon

 

Yesterday was the final day for an Amex Member Reward of 5000 points for a $99 Amazon Prime subscription so I signed up.  Then this morning I decided to take the next step and sign up for the Amazon Prime Rewards Visa Signature card and was immediately approved for $5,000.  At this rate I'll never get back below 5/24. Smiley Happy

 

Backstory:  I've been a member of Amazon.com since 1995 when I was a grad student at Michigan and they only sold books.  I now work for Amazon and we get a 10% employee discount or orders sold and fulfilled by AMZN.  I rarely ever purchase anything on Amazon (perhaps because I work there) but my kids use it frequently.  I found out recently that my teenaged daughter was paying $10.99 monthly for Amazon Prime so I told her to cancel her subscription and I'd sign up for one we could share.  Now I'll see if I can combine the 10% employee discount with the 5% back.

 

With the $70 gift card from Amazon and the 5000 MR points from Amex at minimum I'm breaking even on the Prime subscription for this year.

Message 76 of 92
Gmood1
Super Contributor

Re: Which Card(s) to Apply For?

Nice MnB! Was there another Chase card you were after? Technical the card doesn't count until it reports. That's a great SL for the Amazon CC!
If you're going to hit them for another in the near future..do it today.As long as it doesn't fall in the 5/24 group. It will save you a couple of pulls. I know I know...I'm the devil on your shoulder. lol
Message 77 of 92
Anonymous
Not applicable

Re: Which Card(s) to Apply For?

Yes, I actually wanted the CSP. I only applied for the Amazon card on a whim since I'd only opened a Freedom on 12/28.  Don't tempt me Smiley Happy

Message 78 of 92
jlitnns
Established Contributor

Re: Which Card(s) to Apply For?


wrote:

I'm just surprise you haven't developed Sciatica from carrying around all those cards.



Robot LOL


Message 79 of 92
Anonymous
Not applicable

Re: Which Card(s) to Apply For?

Just tested it and I'm able to add my 10% employee discount to the 5% back on the card so that's a win.  

Message 80 of 92
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