@sammydavidjr wrote:
Just got approved for the Citi Prestige Mastercard with a CL of $24,000.
With this I can cancel my City National Crystal Visa ($30,000 CL) without suffering too much in terms of total credit available, and I can have a more fruitful card.
I'm making progress towards the following post-pandemic setup:
- Amex Platinum Charles Schwab for air travel. (will apply for the card before my AF hits on vanilla Platinum in the spring). 6.25% effective cash back.
- Amex Green: hotel spend. (hope to downgrade from vanilla Platinum). 3.75%
- Citi Prestige: restaurant spend and backup hotel spend (I travel a lot internationally - Amex not always accepted). 5%
- WF Propel: car rentals, Lyft, gas, streaming. 3%
- Barclay Uber: Uber. 5%
- Amex Blue Cash Everyday: supermarket and groceries. 3%
- Simplycash business card. Wireless phone bill. 5%
- Amazon Prime Visa. Amazon. 5%.
- Fidelity Visa or Paypal MC for everything else. 2%
There must be a place in heaven or hell (you decide) for people who take advantage of big lenders like this.
At the time of application:
1% credit utilization on 16 personal cards.
Total credit lines just under $200k.
Pulled Equifax, which had 3 HP.
Opened 2 cards recently (May and June), but also closed 3, including an AAdvantage Citi Mastercard Gold.
Congratulations on having a great plan
during these challenging times!!!
Citi can be conservative
but that does't apply to you apparently LOL!!!
thanks for sharing your success,
Enjoy it
Cheers
