im worried i may get hit by Adverse Action or decreased in limits if i start applying too many cards. I already have 1 this year (last month) so i think i may have to pick only 3 hard inquiries instead of 4. Deciding if i should go for US bank Cash+ or Chase Freedom. If i go with freedom i'll take 1 hard pull for 2 cards (Chase Sapphire Preferred and Freedom) the same time. Only thing i like about Cash+ is Starbucks and Jamba Juice. I could easily earn $100 a year from that alone. Who doesn't want to get paid eating healthy or get paid $100 a year drinking coffee ? Only downside is im not great talking or take telephone calls (social anxiety disorder) but im going have to get over that despite It being much easier for me to apply online. I just got FBNO but worried if they see new recent inquires they may cancel my card. I've heard rumors. Citi Double Cash doesn't seem to like inquires either and does not allowed to apply 2 cards at the same time so i have to do a trick if im applying another bank. Maybe open another browser. Citi Double cash i like to use for when i go to salon, spas and get my hair cut. US BANK CASH i'll use for Starbucks, Jamba juice and movies. if not i'll just use it for cell phone and gym and throw in my drawer. Freedom ? well its similar to Discover but people seem that having both really compliments each other. Some say to just apply all 4 cards. (Citi Double Cash, Chase Sapphire Preferred, Chse Freedom and US Bank Cash+) that would be 5 inquires in the last 6 months! Don't you think thats a bit ecessive towards my current cards who spy on me each month ? that's what im worried about.
US BANK CASH+ or CHASE FREEDOM ?
@Anonymous wrote:im worried i may get hit by Adverse Action or decreased in limits if i start applying too many cards. I already have 1 this year (last month) so i think i may have to pick only 3 hard inquiries instead of 4. Deciding if i should go for US bank Cash+ or Chase Freedom. If i go with freedom i'll take 1 hard pull for 2 cards (Chase Sapphire Preferred and Freedom) the same time. Only thing i like about Cash+ is Starbucks and Jamba Juice. I could easily earn $100 a year from that alone. Who doesn't want to get paid eating healthy or get paid $100 a year drinking coffee ? Only downside is im not great talking or take telephone calls (social anxiety disorder). It's easier for me to apply online. I just got FBNO but worried if they see new recent inquires they may cancel my card. I've heard rumors. Citi Double Cash doesn't seem to like inquires either and does not allowed to apply 2 cards at the same time so i have to do a trick if im applying another bank. Maybe open another browser. Citi Double cash i like to use for when i go to salon, spas and get my hair cut. US BANK CASH i'll use for Starbucks, Jamba juice and movies. if not i'll just use it for cell phone and gym and throw in my drawer. Freedom ? well its similar to Discover but people seem that having both really compliments each other. Some say to just apply all 4 cards. (Citi Double Cash, Chase Sapphire Preferred, Chse Freedom and US Bank Cash+) that would be 5 inquires in the last 6 months! Don't you think thats a bit ecessive towards my current cards who spy on me each month ? that's what im worried about.
US BANK CASH+ or CHASE FREEDOM ?
Is that what the EMV freedom looks like? Yuck.
Just app it duder.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:If Starbucks is a major reason, just go to giftcardgranny
http://www.giftcardgranny.com/store/starbucks/
You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.
All without an inq.
Is this trustworthy?
Yes, if there is a problem with the giftcard you can get a full refund easily, assuming you buy from vendors such as giftcard zen etc rather than the ebay offers.
I do this all the time for Petco, CVS and Starbucks, much bigger discounts then any credit card
I guess i'm not as savvy as I previously thought.
This is WAY better than getting 5% off buying sbux gc's at WM with my SM.
Gonna use Discover to buy one of these to try 
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:If Starbucks is a major reason, just go to giftcardgranny
http://www.giftcardgranny.com/store/starbucks/
You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.
All without an inq.
Is this trustworthy?
Yes, if there is a problem with the giftcard you can get a full refund easily, assuming you buy from vendors such as giftcard zen etc rather than the ebay offers.
I do this all the time for Petco, CVS and Starbucks, much bigger discounts then any credit card
I guess i'm not as savvy as I previously thought.
This is WAY better than getting 5% off buying sbux gc's at WM with my SM.
Gonna use Discover to buy one of these to try
Don't worry, I was the same. Cleverly buying Petco cards for 5% off at CVS with BC. I hope you have a starbucks gold though.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:If Starbucks is a major reason, just go to giftcardgranny
http://www.giftcardgranny.com/store/starbucks/
You can buy giftcards at an 11% discount (+ whatever your credit card gives you for the purchase). You can then load to your starbucks card (I assume you have one!) getting a 12%+ discount, plus the free drink bonuses from the starbucks card etc.
All without an inq.
Is this trustworthy?
Yes, if there is a problem with the giftcard you can get a full refund easily, assuming you buy from vendors such as giftcard zen etc rather than the ebay offers.
I do this all the time for Petco, CVS and Starbucks, much bigger discounts then any credit card
I guess i'm not as savvy as I previously thought.
This is WAY better than getting 5% off buying sbux gc's at WM with my SM.
Gonna use Discover to buy one of these to try
Don't worry, I was the same. Cleverly buying Petco cards for 5% off at CVS with BC. I hope you have a starbucks gold though.
I certainly do!