Help me go to Monaco for free :smileyhappy:

[captain9]

Hey Guys,

I already got my free ticket with the Capital Venture 50000+ points offer from before. 

Got the HHonors card for 70000+ points coming in the mail.

Any other free 1 year annual fee card with a travel sign up bonus?

[Aim_High]

Welcome to My Fico Forums. 

There are tons of them! Tell us more. What is your credit profile?  Scores, other cards and limits, age of credit, derogs, utilization. Lifestyle & Spend. If you have loyalty with airlines or hotels. Make sure you include inquiries & new cards x/6, x/12, x/24 months since some banks are picky about those regardless of everything else. 

[captain9]

I only use one card at a time but I think I have 10 open with 100k in credit line

I have one credit card from every big company (except chase) 

790-800 credit score

1-2% Utilization

No major debts

3 years of age of credit

Last credit card was Sep '18

I run about $24,000 through my cards annually so I would love to get some sign up bonuses

I like to travel internationally once a year 

[ChessChik47]

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@captain9 wrote:

I only use one card at a time but I think I have 10 open with 100k in credit line

I have one credit card from every big company (except chase) 

790-800 credit score

1-2% Utilization

No major debts

3 years of age of credit

Last credit card was Sep '18

I run about $24,000 through my cards annually so I would love to get some sign up bonuses

I like to travel internationally once a year 

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Hi OP, if you don't want to get recommendations for cards that you already own, you should tell us exactly what cards you already have.  Also, are you interested in having a card with Chase or are you avoiding them?  They have travel cards that are pretty popular.

[captain9]

BOA Cash back, Citi Premier +, Citi doublecash, citi rewards+, captial one venture, Amex blue cash, preffered, Chase freedom, unlimited, southwest chase, 

[imaximous]

Not sure what card you'll end up getting but just remember the SUB restrictions with some lenders if you're going for a card you already had or if it's in the same family of cards for Citi; or even worse like once-in-a-lifetime with Amex.

[FieryDance]

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@captain9 wrote:

I only use one card at a time but I think I have 10 open with 100k in credit line

I have one credit card from every big company (except chase) 

790-800 credit score

1-2% Utilization

No major debts

3 years of age of credit

Last credit card was Sep '18

I run about $24,000 through my cards annually so I would love to get some sign up bonuses

I like to travel internationally once a year 

---

 

BOA Cash back, Citi Premier +, Citi doublecash, citi rewards+, captial one venture, Amex blue cash, preffered, Chase freedom, unlimited, southwest chase, 

Try again. 

[captain9]

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@FieryDance wrote:

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@captain9 wrote:

I only use one card at a time but I think I have 10 open with 100k in credit line

I have one credit card from every big company (except chase) 

790-800 credit score

1-2% Utilization

No major debts

3 years of age of credit

Last credit card was Sep '18

I run about $24,000 through my cards annually so I would love to get some sign up bonuses

I like to travel internationally once a year 

---

 

BOA Cash back, Citi Premier +, Citi doublecash, citi rewards+, captial one venture, Amex blue cash, preffered, Chase freedom, unlimited, southwest chase, 

Try again. 

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So I had another thread about chase, I closed all their accounts a few years back because I churned too many of their cards. Will they allow me to churn again?

[Aim_High]

@captain9 wrote:

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I closed all their accounts a few years back because I churned too many of their cards. Will they allow me to churn again?

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My thoughts recently expressed here:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Chase-Freedom-Denied-Over-5-24-Hard-Declin...

Why not find cards that serve a useful long term purpose for you and also offer a SUB?  Why burn bridges with banks?  All I know is that if I was underwriting for Chase or any major bank and I saw an applicant who previously opened multiple accounts paying SUBs and subsequently shut them all down, I would never approve them for a new card that had a SUB.  Churning is slowly being shut down by lenders, and for good reason. 

[captain9]

Why I churn: FDIC-insured institutions reported aggregate net income of $59.1 billion in the fourth quarter of 2018, up $33.8 billion (133.4 percent) from a year earlier.

The big boys eat shrimp and lobster while I cant eat even visit their paradise (Monaco), I can always take my $24,000 and use cash and pull those funds out so they cant make money off me.