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Citi, US Cash+, BoA app spree

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Green456
Established Contributor

Citi, US Cash+, BoA app spree

So it looks like I went on app spree in 1 week:

US Cash $7,500
Citi $11,600
BoA Travel $21,000

I’m going to close Cash+ after I churn US Bank for $150. The other two I’m gonna keep. Although eventually I may close Citi, depending how they behave.

I’m honestly surprised that BoA approved me for 3rd CC.
Message 1 of 18
17 REPLIES 17
seattlecredit08
Frequent Contributor

Re: Citi, US Cash+, BoA app spree

BIG Congrats on the approvals and nice SLs!

 

By the way, why close US Bank Cash+? It has pretty much the highest possible 5% cashback (restricted to specific categories, of course).

 

Thanks!

Message 2 of 18
Green456
Established Contributor

Re: Citi, US Cash+, BoA app spree


@seattlecredit08 wrote:

BIG Congrats on the approvals and nice SLs!

 

By the way, why close US Bank Cash+? It has pretty much the highest possible 5% cashback (restricted to specific categories, of course).

 

Thanks!


I need full ebill support. I thought that US Bank offered it but after I got the card it became apparent that they don’t. Also I’m more set it and forget it guy and I don’t want to deal with rotating categories. My fault for not researching more.

Message 3 of 18
VanderSnoot
Established Contributor

Re: Citi, US Cash+, BoA app spree

Congratulations on your approvals! Nice SLs, too!

Message 4 of 18
HighAchiever
Established Contributor

Re: Citi, US Cash+, BoA app spree


@Green456 wrote:
So it looks like I went on app spree in 1 week:

US Cash $7,500
Citi $11,600
BoA Travel $21,000

I’m going to close Cash+ after I churn US Bank for $150. The other two I’m gonna keep. Although eventually I may close Citi, depending how they behave.

I’m honestly surprised that BoA approved me for 3rd CC.

Congrats on the approvals!!! You may want to reconsider keeping the US Bank, because even if you just kept the account open, the available CL will be a positive on your overall utilization level. Unless there is some other plan that you have, but either way congratulations!

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
Take the myFICO Fitness Challenge

Inquiries: Experian - 4 | Equifax - 3 | TransUnion - 3



Message 5 of 18
Green456
Established Contributor

Re: Citi, US Cash+, BoA app spree


@HighAchiever wrote:

@Green456 wrote:
So it looks like I went on app spree in 1 week:

US Cash $7,500
Citi $11,600
BoA Travel $21,000

I’m going to close Cash+ after I churn US Bank for $150. The other two I’m gonna keep. Although eventually I may close Citi, depending how they behave.

I’m honestly surprised that BoA approved me for 3rd CC.

Congrats on the approvals!!! You may want to reconsider keeping the US Bank, because even if you just kept the account open, the available CL will be a positive on your overall utilization level. Unless there is some other plan that you have, but either way congratulations!


My utilization is 1%

Message 6 of 18
HighAchiever
Established Contributor

Re: Citi, US Cash+, BoA app spree

Nice, seems nothing to worry about then... make sure you don't plan on getting any other accounts from them in the near future then...

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
Take the myFICO Fitness Challenge

Inquiries: Experian - 4 | Equifax - 3 | TransUnion - 3



Message 7 of 18
AverageJoesCredit
Legendary Contributor

Re: Citi, US Cash+, BoA app spree

1% is too high for a MFerSmiley Wink Forget ebills, work on your utilzationSmiley Happy

CongratsSmiley Happy
Message 8 of 18
HighAchiever
Established Contributor

Re: Citi, US Cash+, BoA app spree


@AverageJoesCredit wrote:
1% is too high for a MFerSmiley Wink Forget ebills, work on your utilzationSmiley Happy

CongratsSmiley Happy

LOL... Smiley Happy

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
Take the myFICO Fitness Challenge

Inquiries: Experian - 4 | Equifax - 3 | TransUnion - 3



Message 9 of 18
calyx
Super Contributor

Re: Citi, US Cash+, BoA app spree

Congrats on your successful spree!

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 10 of 18
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