Future Wallet.....Is it Ok?

[saggy1]

Guilty as charged, I do like certain cards because of how they look. That said, I want them to have a purpose too. I have a standard VIsa Platnium with a 3k limit, Zync and Gold. Within 6 months to a year I would like the Amex BCP card as the cash back looks awesome! I would also like a Chase Sapphire Preferred Visa so I can use it where Amex is not accepted along with Just a change up. I would sock drawer my other visa and Zync.

Amex Gold

Amex BCP

Chace SP

Does that make sense? I applied for the CSP, but got the 7 to 10 day wait and have a feeling I didn't get it. 

[gettnthere]

Is the 3k visa your highest limit on credit cards?

[saggy1]

Yes, besides the amex's which are npsl and are charge cards so they do not count I suppose...

[Anonymous]

Where is a low apr in your future mix? All the cards mentioned have rates in the teens.

[saggy1]

Honestly, I never gave it a single thought. HOwever, would it matter? I would pay everything off in full. So wouldn't interest never get charged?

What cards would you suggest?

[Anonymous]

I recommend you look at USAA, Iberia Bank and Simmons Bank as starters. I PIF as you do but, there may come a situation when low cost money is needed for a short time. There is a reason they are called "credit" cards and who wants to pay more than they have to?

[iMacDrew]

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@saggy1 wrote:

Guilty as charged, I do like certain cards because of how they look. That said, I want them to have a purpose too. I have a standard VIsa Platnium with a 3k limit, Zync and Gold. Within 6 months to a year I would like the Amex BCP card as the cash back looks awesome! I would also like a Chase Sapphire Preferred Visa so I can use it where Amex is not accepted along with Just a change up. I would sock drawer my other visa and Zync.

Amex Gold

Amex BCP

Chace SP

Does that make sense? I applied for the CSP, but got the 7 to 10 day wait and have a feeling I didn't get it. 

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You really want all of your cards in your future wallet to have an AF? BCP-75, CSP-95, Zync- 25 min, Gold- 125... all of them have AF's except the visa plat.. im guessing.

[Anonymous]

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@saggy1 wrote:

Guilty as charged, I do like certain cards because of how they look. That said, I want them to have a purpose too. I have a standard VIsa Platnium with a 3k limit, Zync and Gold. Within 6 months to a year I would like the Amex BCP card as the cash back looks awesome! I would also like a Chase Sapphire Preferred Visa so I can use it where Amex is not accepted along with Just a change up. I would sock drawer my other visa and Zync.

Amex Gold

Amex BCP

Chace SP

Does that make sense? I applied for the CSP, but got the 7 to 10 day wait and have a feeling I didn't get it. 

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Cancel the Zync to avoid the AF if you get the other AMEXs.

[iMacDrew]

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@saggy1 wrote:

Guilty as charged, I do like certain cards because of how they look. That said, I want them to have a purpose too. I have a standard VIsa Platnium with a 3k limit, Zync and Gold. Within 6 months to a year I would like the Amex BCP card as the cash back looks awesome! I would also like a Chase Sapphire Preferred Visa so I can use it where Amex is not accepted along with Just a change up. I would sock drawer my other visa and Zync.

Amex Gold

Amex BCP

Chace SP

Does that make sense? I applied for the CSP, but got the 7 to 10 day wait and have a feeling I didn't get it. 

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IMHO I would cancel the zync and just app for the regular sapphire since you will just Sd it anyhow.