@Doubleimonster wrote:
Awesome thanks! Trying to compile a list of great premium cards to look at. Im not eligible for Amex until I finish off the Optima payment plan (2028), plus a year of holding the Optima Card so (2029). So we talking 3 years from now. Unless I pay it off early.
Me and Citi not on good terms nor do I care to be at this time. I dont think Cap one will like me enough for a venture especially now since they have discover lol.
I never had chase, so if I can get my credit in order after my gardening phase ends in 2027/2028, I can look at that. Im just trying to get an idea of what is out there.
Barclays even when my credit was in the mid to high 700s they wouldn't even offer a basic card lol, let alone a high end card so I won't even attempt that.
I was trying to build with US Bank just approved for a secured card only to find there cards are getting nerfed and they no longer have a premium card to apply for hahaha.
Some unsolicited advice, feel free to ignore since it's not what you asked about, but I wouldn't worry about what's currently available since we have no idea what will be on the table in 2027-2028. As you've seen, products get nerfed, annual fees increase, etc.
What is good/great today could be completely different by the time you're looking to apply.
Current active cards:
Amex - Platinum, BCP
BofA - Unlimited Cash Rewards Sig
Chase - CSR, Amazon Prime, United Explorer
Citi - Custom Cash, Costco Visa
TCL - $370k
CC utili - 2%
Experian - 818
