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For those under 5/24..

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Random_idiot
Established Contributor

Re: For those under 5/24..

Trying to make it as broad as possible so the newbies and vets all can share in this discussion.

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
Message 11 of 33
Remedios
Credit Mentor

Re: For those under 5/24..

Asking for an answer from those who are under 5/24 excludes a large number of posters on this board and their experiences with Chase cards. Posters who are under 5/24 are not a large demographic group on this forum where question is being posed. Eliminating their answers is counterintuitive. So would be limiting to answers from those who are over  5/24.   Of course, I'm working on assumption that OP is asking for advice

 

 

With that said, I prefer a personal experiences, even if they are subjective. I have enough working gray matter to be able to extrapolate what I need from those compared to reading on card peddling websites or card peddling blogs. 

 

 

Ill formed questions usually do not result in best possible answers 

 

 

 

 

 

Message 12 of 33
staticvoidmain
Established Contributor

Re: For those under 5/24..

I've read threads like this before,....

 

UPDATE: Nevermind. Missed OP's response.

Message 13 of 33
JR_TX
Valued Contributor

Re: For those under 5/24..

I’ll take the CSP for the SUB then run! I meant PC to FU before SD. No Chase card can give me more than what I have now (based on my spend of mostly dining, entertainment and gas and of course my monthly 5% category spend).
New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 8y1m | UTIL 1% - 4% | $300K+ Total Limits

Message 14 of 33
pinkandgrey
Senior Contributor

Re: For those under 5/24..

I'm not under 5/24, but I'm breaking the rules and responding.

 

I used to have a CFU, but it wasn't anything special if you ask me. Personally I don't mind if I don't ever get another Chase card. There isn't anything in the Chase lineup that I can't get somewhere else. 

Discover It: 26.5k
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 13k
Message 15 of 33
AverageJoesCredit
Legendary Contributor

Re: For those under 5/24..

I fall under 5/24.....

At least 5 denials in 24 months for Navy , Penfed, Disco, Citi....Smiley Wink
Message 16 of 33
FinStar
Moderator Emeritus

Re: For those under 5/24..

Ok I'll bite.

For those under 5/24...in a couple years..

-Southwest Rapid Rewards® Performance Business Credit Card.
-British Airways Visa Signature®
-Ink Business Preferred

I pretty much have all the others, except for CSR which I missed out on the SUB when that was launched. Maybe the Marriott Bonvoy Bold™ (for the SUB) and possibly considered round 2 with AARP, but it appears it might go to Comenity at some point 😜
Message 17 of 33
Remedios
Credit Mentor

Re: For those under 5/24..

@FinStar When you say all, does that include Starbucks card 😮

Message 18 of 33
FieryDance
Frequent Contributor

Re: For those under 5/24..

Interesting question and one I actively think about.  I am under 5/24, and so is every other adult in my family. For those who are under 5/24 and interested in Chase cards this question likely gets more rigorous pondering and leads to more imminent action plans, therefore I can certainly see why the question is framed the way it is.  Smiley Wink

 

My Chase goal cards would be:

 

CF

CIC

CIU or CFU

CIP or CSR  (I go back and forth a lot between these two)

 

So far I have acquired CIC and am currently working on CIU and CIP for myself and DH.  I have a tentative plan that takes SUBs, referral bonuses, benefits and AFs all into consideration.  Velocity is set to one Chase card every 3 months between the 2 of us.  Hopefully nice and slow enough. 

 

While we build Chase portfolios I won't object to adding another “stealth” card or two along the way.  By stealth, I mean business cards that do not report to personal credit bureaus, and preferably Amex for me because of possible SP approvals.  Smiley Very Happy

 

 

Message 19 of 33
Anonymous
Not applicable

Re: For those under 5/24..

1/24 and if I were to get in with Chase I would get the standard trifecta first.  Freedom, Freedom unlimited and Reserve.  Easy to use and maintain.  

 

However what's fun in that without going after subs?  The Prefered only makes sense if you like the SUB and do transfers.  The Ink Preferred is better in everyway if you have a business or a "business".

Message 20 of 33
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