@kdm31091 wrote:
@icyhot wrote:
@kdm31091 wrote:
@CreditCuriousity wrote:Discover Miles has some strict UW.. So OP EQ(most likely) has to support it probably > 750 with low inquiries. Not enough app seen to be more precise what criteria is for approval. Unless they have toned it down yet. Even the Citi DC is a good all around card
Double Cash isn't the loosest underwriting either. Tons of low limits and high APRs on here with people with good credit. Even VERY good credit!
Honestly I don't get why OP doesn't just PC to QS if they want the Discover Miles as it's ostensibly the same thing but to each their own.
OP - don't count on a PC to the CS as a way to get out of the CSP AF. While it is currently possible, the CS is discontinued. There's no guarantee the option will exist forever (in fact I'm quite sure it won't since the CS no longer exists to apply for). If you are looking to get out of the AF already, IMO, save yourself time and don't get a CSP. You won't be able to justify it.
You guys are gung ho about the QS
am I missing something? Heck I got approved for one and closed it the day I got it in the mail Maybe I could've kept it and used with the VentureOne? Idk
I'm gung ho because you don't seem to be someone who is going to spend enough to justify a CSP and I'm trying to save you a headache down the road. As I explained before, the Venture One has no advantage over the QS so using them together is not really beneficial.
You're right, I just need something to pay for travel extras (cars and hotels) and the occasional shopping trip. CSP might not be worth it. But its really imporant for me to get away from CapOne, so if I stayed, I would just keep the Venture and ot expect much from them customer service wise
So its between the Discover Miles and BofA Travel 
maybe this is weird but I'm really into cards that are branded as travel cards, which is why I dont't wanna consider the QS or DC. I'll do more research and keep everyone updated
@icyhot wrote:So its between the Discover Miles and BofA Travel
Yes but you need to understand that many of the "branded as travel cards" with fixed redemption like BOA Travel, Arrival+, Venture, are simply marketing. There is nothing advantageous about them over a plain old QS or DC because the latter options offer you the same redemption options plus redeeming for whatever you want. There is no magical hidden "travel" benefit to the Venture One etc.
If you really want a card that's branded as travel go for it, but the fixed ones really hold no advantage over a cash back card (after first year bonuses).
@icyhot wrote:
@kdm31091 wrote:
@CreditCuriousity wrote:Discover Miles has some strict UW.. So OP EQ(most likely) has to support it probably > 750 with low inquiries. Not enough app seen to be more precise what criteria is for approval. Unless they have toned it down yet. Even the Citi DC is a good all around card
Double Cash isn't the loosest underwriting either. Tons of low limits and high APRs on here with people with good credit. Even VERY good credit!
Honestly I don't get why OP doesn't just PC to QS if they want the Discover Miles as it's ostensibly the same thing but to each their own.
OP - don't count on a PC to the CS as a way to get out of the CSP AF. While it is currently possible, the CS is discontinued. There's no guarantee the option will exist forever (in fact I'm quite sure it won't since the CS no longer exists to apply for). If you are looking to get out of the AF already, IMO, save yourself time and don't get a CSP. You won't be able to justify it.
You guys are gung ho about the QS
Why did you do this?
@northface28 wrote:
@icyhot wrote:
@kdm31091 wrote:
@CreditCuriousity wrote:Discover Miles has some strict UW.. So OP EQ(most likely) has to support it probably > 750 with low inquiries. Not enough app seen to be more precise what criteria is for approval. Unless they have toned it down yet. Even the Citi DC is a good all around card
Double Cash isn't the loosest underwriting either. Tons of low limits and high APRs on here with people with good credit. Even VERY good credit!
Honestly I don't get why OP doesn't just PC to QS if they want the Discover Miles as it's ostensibly the same thing but to each their own.
OP - don't count on a PC to the CS as a way to get out of the CSP AF. While it is currently possible, the CS is discontinued. There's no guarantee the option will exist forever (in fact I'm quite sure it won't since the CS no longer exists to apply for). If you are looking to get out of the AF already, IMO, save yourself time and don't get a CSP. You won't be able to justify it.
You guys are gung ho about the QS
Why did you do this?
This is gonna sound silly.....but I hated the way it looked. And I wasn't too crazy about the $500 limit
@kdm31091 wrote:
@icyhot wrote:So its between the Discover Miles and BofA Travel
Yes but you need to understand that many of the "branded as travel cards" with fixed redemption like BOA Travel, Arrival+, Venture, are simply marketing. There is nothing advantageous about them over a plain old QS or DC because the latter options offer you the same redemption options plus redeeming for whatever you want. There is no magical hidden "travel" benefit to the Venture One etc.
If you really want a card that's branded as travel go for it, but the fixed ones really hold no advantage over a cash back card (after first year bonuses).
Yes, as has been said in multiple threads, you can take any of these real cashback cards (Fid Amex, DC, QS etc) and redeem it only against travel if you wish. The only travel thing is the no-FTF, which the QS also has.
OK, so KDM and LTL start the "Luxury Card" It earns 1% on ALL purchases, but these earnings can only be redeemed against purchases from a set of "luxury" stores. No restricted sales dates, buy anything from any of these stores and you can redeem your credits for them!!!!
After reading enough Venture/Arrival type posts, with good marketing there would be a market for such a card!
