CHASE FREEDOM or US BANK CASH+ ?

[Anonymous]

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@Anonymous wrote:

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@uswala wrote:

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@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.

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There are many other such sites where you can get discounted gift cards such as cardpool, raise, GiftCardZen, cardcash, et.c. But some people 

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i jnever got the gold starbucks card because $150 for 30 drinks i+ 2 free drinks  only 5 - 7 %  but i guess i see the hassel using 2 - 3 cards to expand the discounts. Like if i used a reward credit card (2%)  to purchase discounted gift cards (granny) 11%  and load it on the discounted starbucks card (starbucks gold card) up to 7% that would be a total of 18% - 20% overall discount drinking starbucks each time.  or just wait and use 15% birthday (starbucks rewards) and use 10% BankAmeriDeal card and get 30% - 32% overall discount drinking starbucks each time. or 15% birtdhay (starbucks rewards) + 5% cash+ or 5% Discover and get toal 25% - 27% % off discount drinking starbucks each time you drink starbucks.  that's using 3 sources just to expland your savings. I wish they would just make one cards for everything so i wont have to have so many cards!!

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Too many numbers.

[-Cal-]

OP go for the Cash+ first since they're INQ sensitive and you have somewhat control over 5% categories. 

You can get the freedom anytime....

[Anonymous]

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@-Cal- wrote:

OP go for the Cash+ first since they're INQ sensitive and you have somewhat control over 5% categories. 

You can get the freedom anytime....

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i want to apply for a new credit card but i am skeptical relying on my 

FICO® 3-BUREAU CREDIT MONITORING ....

my balance fell to $3,000 which should be 7% but says 17% ulitilzation from when i first signed up 3 months ago ... 

do i have to pay to see my real time ultilzation ? its show my update balance but when i go down and click this it says 17%     i just trying to see how long should i wait before applying. I can barely hold myself. Im addicted to credit cards.

[-Cal-]

Your FICO alerts will trigger anywhere up to a couple of days after your creditor reports the current status of your account to the credit bureaus. 

[Anonymous]

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@-Cal- wrote:

Your FICO alerts will trigger anywhere up to a couple of days after your creditor reports the current status of your account to the credit bureaus. 

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i guess no go 

[wacdenney]

That doesn't mean "no go".  It might mean that it's time for recon attempt number 1 or it might not.  It definately means it's time to get on the phone.  Chase is great for recons!