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Reccomendations?? Where do I go from here?

Backwoods
Senior Contributor

Re: Reccomendations?? Where do I go from here?

We got the CK rate.  There are some threads about asking for lower APR.  I know you have to get out of the promo period and usually need atleast 6 to 12 months of regular usuage but that is al I know.  Most people usually e chat to ask for a lower apr.  I figure once we get our Chase Ink  then I will work on it.  Our Discover card came I believe with over 12 months of 0% as did DW Amex.  C1 QS has offered DW 0% balnce transfers for 12 months almost every month.  Rewards cards usually have higher APR.

Message 31 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

Rats... Well and was approved for all 3 butttt i see that my bce SL is only $500

BCE 500
IT unknown
PRG unknown

2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 32 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

This is still my largest SL so far but i was expecting more lol.
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 33 of 41
Backwoods
Senior Contributor

Re: Reccomendations?? Where do I go from here?

It will grow.  See the threads about Amex 3x cli.  Some cards behave sometimes in strange way.  I had a C1 QS stuck in toy mode forever.  I just got it fixed. But my Disco and Citi DC have good limits and just got a raise out of Disco.  My dw seems to attract 5 digit limits and huge CLI the only difference is her active AA and % usuage and thickness.  But she always gets the big limits. Between my monthly PIF as well as  Dico and C1 QS cli my % went down and scores went up so maybe I catch her.  It usually takes about 2 to 3 months to get back what you loose on a hp.  I lost about 10 to 15 points over Citi DC but more than got it back in 2 months    

Message 34 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

Yea i know my score will dip due to the HPs. The HPs only cause my score to dip a few points. Its the ding to my aaoa thats going to kill my score, im expecting it to go down about 50 points. But my score usually recovers after the new accounts age over 3 months. So i expect to be back to 720+ around June.

Hate i missed the better amex bonuses. I got 10% back at restuarants and 150 back after spending 500 for BCE
25k points for PGR


2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 35 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

Update:
IT $1500
BCE 500

The 1500 SL makes me feel better! How will the PGR show up on my credit since it has no credit limit?
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 36 of 41
austinguy907
Valued Contributor

Re: Reccomendations?? Where do I go from here?

PRG is a charge card.  It will just show up on your CR as a charge card and report the highest charged amount each month as the watermark.  Since you don't carry a balance it's slightly different but still counts as payment history each month.

Message 37 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

Oh ok, thats pretty much why i got it, to help with payment history. I will probably cancel when time to pay annual fee.
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 38 of 41
Backwoods
Senior Contributor

Re: Reccomendations?? Where do I go from here?

You can't collect all the bonus money.  You also don't want to become known as a spinner going  after bonus money.  All the cards we got inthe past 3 years are solid cards.

With good card comanies.  Some of the older cards have grown to high limits but just don't have the rewards powers and now live in ths sock drawer or office safe simply keeping them because of AA.    

Message 39 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

Well, bonuses aren't a must, just icing on the cake lol. I was more concerned about getting 2 accounts with 1 hp than i was about the bonus.
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 40 of 41
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