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Hello friends! I've been here on the forums for just about a year now and I'm looking for some general feedback. I'm currently 21 years old just about to finish up college with great credit and a holder of some of the best cards on the market. Haven't applied for a card in some time and have been in a serious thirst to play around with some new products. Would love to hear some suggestions from you guys. Overall big fan of travel cards and hopping on planes every other month for weekend trips to Vegas!
Profile is as follows:
TransUnion 750 - 9 inq's
Equifax 750 - 4 inq's
Experian 731 - 12 inq's
1% utilization across the board
AAoA - 2 years
American Express Platinum - NPSL
American Express Premier Rewards Gold - NPSL
American Express Blue Cash EveryDay (eligible to upgrade starting 8/31/17) - $22,500
Bank of America Travel Rewards Visa Signature - $5,900
Barclaycard Rewards MasterCard - $1,000 (Barclaycard is dumb af imo)
Capital One QuickSilver - $1,450 (Pack 'o gum a month sucka, dead weight)
Citi AAdvantage Platinum Select World Elite - $7,500
Citi Diamond Preferred - $7,600
Citi Thank You Preferred - $4,800
Discover It - $6,300
Amazon Store Card - $5,000
GameStop Power Up Rewards Store Card - $1,350 (my first credit card)
Lowe's Credit Card - $20,000
Cancelled Cards:
American Express Green Card
American Express Delta SkyMiles Gold
Chase Disney Premier
Chase Marriott Rewards (changed to Ritz)
Chase United Mileage Plus (Hate United)
JP Morgan Ritz Carlton Rewards (I like AMEX Platinum better)
Barclays Aviator Red 60K Miles, only requirement to meet bonus is to make one purchase and pay the $95 AF. If you fly AA, it's a no brainer
That's a lot of card for a 21 year old. From the looks of things you could probably add some cash back on gas and/or restuarants. You could try the BoA Cash Rewards with 3% back on gas or the Cap One Premium Dining 3% back on restaurants.
Was considering that after seeing the offer jump from 40/50k. Any idea if i'd be able to downgrade to the no-AF version after the first year?
I've had awful luck with Capital One since I began my credit journey. Love the look of the product though.
Already had the BofA Cash Rewards, actually product changed to the Travel Rewards card I have now. People keep recomending Cap One again, might have to look into it.
Not the first time I've heard excellent things about SPG card, that would be a great hotel option. Hmm, decisions, decisions. Thank you, I try very hard to manage everything carefully and responsibly. Thankful I've been able to get to where I am.