Re: CSP Cardholders Who Are NOT Applying for a CSR

Anonymous · ‎08-18-2016

Show of hands?

For me, the CSP is a better deal right now. In order to account for the AF being $55 more after the $300 travel credit, I'd have to use other cards less for general purchases, and I'm not a card pumper & dumper so I really don't care about the signup bonus value in year one. Plus who knows, maybe we get grandfathered in to the CSR eventually with our $95 vs. $150 AFs.

Random_idiot · ‎08-18-2016

Just got the CSP. Not interested in CSR yet. My spending habits dont fit that. Gotts fork that 450 right away. No thanks.

Ill get the freedom next month , then FU following month..

Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq

grillandwinemaster · ‎08-19-2016

An annual fee of 450 is a little steep for MY spending patterns at This moment in time. I'm not a big fan of opening and closing accounts after a year or two. I prefer taking a long term view approach. So for me, no CSR for now. Of course that could change in the future.

Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017

galahad15 · ‎08-19-2016

No interest in either card, for me...

PACU Premier Privileges Rewards MC @ 7.50% F with 1.5% rewards, $20k

Unify FCU Variable-Rate VISA Platinum @ 9.24% V, $15k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.75% category rewards (Preferred Rewards status), $50k

FNBO BucksBack VS @ 10.5% V with 1.5% rewards, $85k

EPFCU Smart Rewards MC @ 11% V with 1% rewards, $6.5k

Andrews FCU Titanium Rewards VS @ 12.49% V with 3%/1.5% rewards, $5k

BoA Unlimited Cash Rewards VS @ 13.49% V with 1.88% rewards (Preferred Rewards status), $17.6k

Cap1 Venture MC @ 14.15% V with no AF, 2% rewards, $13k

Unify FCU Fixed-Rate VISA Platinum @ 14.49% F, $25k

Redstone FCU VS @ 15.75% V with 5%/3%/1.5% rewards, $10k

BoA Customized Cash Rewards WMC @ 16.24% V with 3.75% category rewards (Preferred Rewards status), $14.3k

AAA Daily Advantage VS @ 17.24% V with 5%/3% category rewards, $10k

PenFed Pathfinder Rewards VS @ 17.49% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

AOD FCU VS @ 17.99% V with 3% rewards, $7.5k

Amazon Prime VS @ 18% V with 5% category rewards, $35k

BoA Customized Cash Rewards WMC @ 18.24% V with 3.75% category rewards (Preferred Rewards status), $20.4k

US Bank Cash+(x2) @ 18.74% V with 5% category rewards, $32k

Wells Fargo Autograph VISA @ 19% V with 3% category rewards, $12.5k

PayPal CashBack MC @ 19.24% V with 3% on all PayPal purchases/1.5% on all other purchases, $25k

FNBO BucksBack VS @ 20.24% V with 2% rewards, $23.5k

Amex BCE @ 21.99% V with 3% category rewards, $3k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $39.32k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $5k

WF Bilt WEMC @ 22.99% V with 3% dining rewards, $30k

DoroLucky · ‎08-19-2016

@Random_idiot wrote:
Just got the CSP. Not interested in CSR yet. My spending habits dont fit that. Gotts fork that 450 right away. No thanks.

Ill get the freedom next month , then FU following month..

No 5/24 concerns??

TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD

odd_dog · ‎08-19-2016

The card looks good, and the fee is comparable to what I have so no issue there, just that Chase's transfer partners are not MY partners for the most part so pass on this one.....

darwin_wins · ‎08-19-2016

Beware of 5/24 before you go nuts

Anonymous · ‎08-19-2016

It's worth noting that the AF is not really $150. It's $450. You still need to use up the $300 travel credit which for somebody like me is actually quite hard to do. I'd literally have to find things to buy to use the credit on lol

Random_idiot · ‎08-19-2016

None at all. Before the CSP, I was on 0/24. Now, I have the CSP and Discover. so I am at 2/24.

My dream team for credit cards is CSP, Freedom, and FU. don't care about others. so after all that, I'll be at 4/5, with no interest in another card.

Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq

Anonymous · ‎08-19-2016

I am actually good with the CSP. I feel that having the Freedom with it make it more like 3X dining and travel on category spending. Maybe in the long term future but not now LOL

CSP Cardholders Who Are NOT Applying for a CSR

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CSP Cardholders Who Are NOT Applying for a CSR