@Open123 wrote:
@kdm31091 wrote:
@red259 wrote:
a hp will fade in time and the Aaoa will improve with time as well. A good bonus can very well be worth waiting for since you only get one per product. did you do the math and is your spend great enough that you will come out ahead of where you would be with everyday even with the AF?
Yes, HPs and AAOA dings fade of course my point is that not everyone will care enough about a bonus to cold app for a product that they can get with no HP via upgrade. YMMV.
Yeah, the math works out for me with BCP, at least for now. If I find it doesn't later, can always downgrade again.
Agreed.
Everyone should determine his/her respective value placed on the price of a HP/new account as it relates to his/her needs. The decision to app/pc/upgrade should be determined by an objective cost vs. benefit analysis based on the most up to date and accurate information presented without bias. Regrettably, the latter hasn't been the case, in my view.
*Edited* PS - When I observe "regrettably," it's meant in general, and isn't reference to anyone in particular.
Agree, and the cost/benefit analysis at least for apping, should also be wider than it usually is. People often ask "Should I get card A or B?" particularly where A and B are from the same issuer. The question should be "What card, amongst ALL those I can reasonably expect to be approved for, maximizes my benefit?" Benefit is defined as however you wish, for me always net rewards, for others it might include other factors such as low APR/high starting CL/ SP CLIs or, less sensibly (IMO) "prestige" or "is a metal card" or "looks pretty" And if you value HPs and AAoA enough, the answer might be "None for now".
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