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@NewtoCredit80 wrote:
You could apply for a discover card and Citi Simplicity card. Discover card has 15 month 0% apr and citi card has 18 month 0% apr. Rewards wise Discover card is better but limited acceptance outside US. if you willing to burn a HP then you could ask for a cli on your CSP. Chase might raise you to 10000.
10K on my CSP would be exactly what I want, but MIGHT is what I am afraid of as they seem to be conservative. I do have $ rolling in their checking account every month for what that is worth....
@MissCredit9 wrote:How long did you want to carry the balance? CITI Diamond preferred is a good card for that bc of 0% for 18 months. The Chase card that you mentioned working well with Sapphire is the Freedom which also offers a 0% introductory period during which time it would be cool to carry a balance. Remember that carrying a balance on any rewards card that is charging interest will likely negate any type of rewards or points that you earn.
The balance would be carried a max of 6 months. I understand about the interest but I don't mind 6 months so much. How does the CSP work with the Freedom?
Thanks for the help.
@B335is wrote:
Amex approved my BCE immediately after the CLI my Delta Gold. If youre looking for points I would either go Amex BCP through creditcards.com ($250 bonus) or Chase Sapphire Preferred in branch for lower spend requirement (2k vs 3k for 3 months). Freedom has a 10k bonus and both CSP and Freedom have an annual bonus on points (7% I believe). Chase also isnt as tempermental about carrying a balance as Amex is.
If you like points I would def look into Freedom and CSP.
Thanks so much for the info. Also, I just recevied a Slate 0% until 2/1/15, then 12.99. I assume this CC won't tie in with the CSP?
@B335is wrote:
Slate doesnt have a points structure. Its intended to be a balance carrying card. Ink has a bonus offer on the business side of their cards.
Thanks, I understand.
@seat3a wrote:
@MissCredit9 wrote:How long did you want to carry the balance? CITI Diamond preferred is a good card for that bc of 0% for 18 months. The Chase card that you mentioned working well with Sapphire is the Freedom which also offers a 0% introductory period during which time it would be cool to carry a balance. Remember that carrying a balance on any rewards card that is charging interest will likely negate any type of rewards or points that you earn.
The balance would be carried a max of 6 months. I understand about the interest but I don't mind 6 months so much. How does the CSP work with the Freedom?
Thanks for the help.
I think the Freedom offers 0% for 15 months, others feel free to correct me if I am wrong. It pairs well with Sapphire because you can transfer points between the two I believe. This can be quite lucrative with the 5% rotating categories offered on the Freedom if you spend heavily in those areas. I don't know from personal experience but most on here say the two make a great pair. Hopefully this is helpful to you.
@09Lexie wrote:
MissCredit9 is correct, the Freedom/CSP combo works well ESP if you are planning a trip and want the 1:1 points transfer.
Thanks! I appreciate everyone's help!