Ray, you do have an impressive CL combined from what I have read before?
Yes - but I will not say how much... It's up there though, over $200,000. Way more than I need for sure!
I just manage it correctly, and only spend what is in the budget. Works great... Just got the new US Bank cash+ card as well as a Chase Southwest Rewards so now it is time for me to call it done and sit in the garden. 
Also time to close out some low limit cards - like Discover! LOL... I will cash in my rewards with them and close them first part of next month.
I have to thank many members of this forum. Because of you, I have made it to this level.
@RockinRay wrote:Yes - but I will not say how much... It's up there though, over $200,000. Way more than I need for sure!
I just manage it correctly, and only spend what is in the budget. Works great... Just got the new US Bank cash+ card as well as a Chase Southwest Rewards so now it is time for me to call it done and sit in the garden.
Also time to close out some low limit cards - like Discover! LOL... I will cash in my rewards with them and close them first part of next month.
I have to thank many members of this forum. Because of you, I have made it to this level.
I agree.
The Discover has no AF so just SD it. I bet if you're willing to take a HP, you would get over the $10K CL
Do you have to bank with US Bank to get their card? What do they pull?
@CS800 wrote:
@RockinRay wrote:Yes - but I will not say how much... It's up there though, over $200,000. Way more than I need for sure!
I just manage it correctly, and only spend what is in the budget. Works great... Just got the new US Bank cash+ card as well as a Chase Southwest Rewards so now it is time for me to call it done and sit in the garden.
Also time to close out some low limit cards - like Discover! LOL... I will cash in my rewards with them and close them first part of next month.
I have to thank many members of this forum. Because of you, I have made it to this level.
I agree.
The Discover has no AF so just SD it. I bet if you're willing to take a HP, you would get over the $10K CL
Do you have to bank with US Bank to get their card? What do they pull?
Maybe I will SD that Discover card. They frustrate me to no ends. The two cards I mention above is $37k CL combined and yet, Discover holds me hostage at $2k. I do not want to waist an HP for a CLI with them. The US Bank card will pay the same bills as Discover and Amex and give me 5% instead of 2% and 1% respectivly.
When I applied, they pulled EQ here in Minnesota. At that time, my final payment to USAA MC had not posted to the CB's and the paperwork they sent showed a 752 EQ score.
We do not have a banking account with US Bank, but we will open a savings account to dump the rewards in, then I will move them to Amex savings via USAA.. I think this card is a game changer for a lot of people. You stnad to make quite a bit of rewards with it if you play the game correctly.
@RockinRay wrote:
@CS800 wrote:
@RockinRay wrote:Yes - but I will not say how much... It's up there though, over $200,000. Way more than I need for sure!
I just manage it correctly, and only spend what is in the budget. Works great... Just got the new US Bank cash+ card as well as a Chase Southwest Rewards so now it is time for me to call it done and sit in the garden.
Also time to close out some low limit cards - like Discover! LOL... I will cash in my rewards with them and close them first part of next month.
I have to thank many members of this forum. Because of you, I have made it to this level.
I agree.
The Discover has no AF so just SD it. I bet if you're willing to take a HP, you would get over the $10K CL
Do you have to bank with US Bank to get their card? What do they pull?
Maybe I will SD that Discover card. They frustrate me to no ends. The two cards I mention above is $37k CL combined and yet, Discover holds me hostage at $2k. I do not want to waist an HP for a CLI with them. The US Bank card will pay the same bills as Discover and Amex and give me 5% instead of 2% and 1% respectivly.
When I applied, they pulled EQ here in Minnesota. At that time, my final payment to USAA MC had not posted to the CB's and the paperwork they sent showed a 752 EQ score.
We do not have a banking account with US Bank, but we will open a savings account to dump the rewards in, then I will move them to Amex savings via USAA.. I think this card is a game changer for a lot of people. You stnad to make quite a bit of rewards with it if you play the game correctly.
May I ask what your CL on the US Bank was?
I was just reading the with the US Bank, you get to choose your 5% category?
@CS800 wrote:
@RockinRay wrote:
@CS800 wrote:
@RockinRay wrote:Yes - but I will not say how much... It's up there though, over $200,000. Way more than I need for sure!
I just manage it correctly, and only spend what is in the budget. Works great... Just got the new US Bank cash+ card as well as a Chase Southwest Rewards so now it is time for me to call it done and sit in the garden.
Also time to close out some low limit cards - like Discover! LOL... I will cash in my rewards with them and close them first part of next month.
I have to thank many members of this forum. Because of you, I have made it to this level.
I agree.
The Discover has no AF so just SD it. I bet if you're willing to take a HP, you would get over the $10K CL
Do you have to bank with US Bank to get their card? What do they pull?
Maybe I will SD that Discover card. They frustrate me to no ends. The two cards I mention above is $37k CL combined and yet, Discover holds me hostage at $2k. I do not want to waist an HP for a CLI with them. The US Bank card will pay the same bills as Discover and Amex and give me 5% instead of 2% and 1% respectivly.
When I applied, they pulled EQ here in Minnesota. At that time, my final payment to USAA MC had not posted to the CB's and the paperwork they sent showed a 752 EQ score.
We do not have a banking account with US Bank, but we will open a savings account to dump the rewards in, then I will move them to Amex savings via USAA.. I think this card is a game changer for a lot of people. You stnad to make quite a bit of rewards with it if you play the game correctly.
May I ask what your CL on the US Bank was?
I was just reading the with the US Bank, you get to choose your 5% category?
They started us at $12k and I am fine with that. I have read they are conservative too... I am sure over time, that CL will increase but that really does not matter. I am just happy to have the card and yes, you get to choose your categories - very cool stuff...
CS, this is a card you may want to consider.
@RockinRay wrote:They started us at $12k and I am fine with that. I have read they are conservative too... I am sure over time, that CL will increase but that really does not matter. I am just happy to have the card and yes, you get to choose your categories - very cool stuff...
CS, this is a card you may want to consider.
I am reading about it. Since BOA and Penfed dont like me. I'm looking for one last card to add.