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@Anonymous wrote:
Excuse the noob-mess. But SP? SL? Can't recall what those stand for, haha. (As you can probably tell I'm not a seasoned credit pro yet also I'm very tired tonight)
SP = Soft Pull, this will not hurt your score as a HP (hard pull)
SL = Starting Limit
If I were you I'll apply for all 3 cards, an Amex, Discover IT and CSP.
Amex has some offers on BCE, sometimes you go to the site and offer $100 plus 10% on dinning, other times $150 plus 10% and once in a while $250 plus 10%. You can use private windows or incognito mode to try to get the better offer. Remember I'm talking about BCE the one without AF.
The 3 cards will not have AF, at least for the first year. If you don't use CSP as much to justify the $95 on second year, you can change it to regular Freedom before the AF hits.
Good luck.
I personally have quite a few cards and would say that what you should apply for should matter based on what you want to do with your rewards. If you want cashback a Citi DC, Blispay, or other 2% card is pretty good for that. However, if you plan on travelling, a card I see recommended most is the CSP, and recently CSR if you plan on doing at least $300 in travelling each year. If you add in the CFU and the Freedom, you can get a great value. And Visa is commonly accepted, so if you travel to another country, it may be the best group of cards to get. If you dine out alot and spend a bit on entertainment, a Marvel card may be great (it gives a 3% statement credit automatically every month on those purchases, 1% on everything else). And if you want the flexibility to choose categories (from a set list) each quarter, look at the Cash+. And because a lot of people spend a good amount on Amazon, the Amazon Visa gives 3% back (5% if Prime member) as well as 2% on dining, gas, and drugstores, and 1% elsewhere.
My best advice is look at what you spend the most in and pick a card that gives you the most bang for your buck. My biggest warning is don't apply for a card that gives only 1% more in a specific category compared to your other cards, as you will probably spread yourself too thin (signing bonus or benefits may counter this though). And keep in mind redemption amounts and options, as many cards have a $20-25 min, might only be able to be used at a certain store(if a store card), and some (AMEX that I know of) say it doesn't count towards the min payment (so a $25 statement with a $25 redemption credit still requires the $25 to meet the min payment).
My favorite card may be the Discover It as it has good categories usually, no min redemption, has Discover Deals (which can give you another 5%+ back on certain online stores that do change (usually any store on Freedom's version of this is better on Discover), and redeeming for gift cards results in a small extra bonus of $5-10. Just keep in mind that Discover and AMEX tend to still have businesses that won't accept them, so have a Visa/MC as a backup.
Not sure if I really have helped, but I hope it may have provided some insight that you can use.
Yeah for sure.
I already have a visa credit card through my credit union so I can use that as a back up. And I am going to get in touch with them sometime later this year or early next year for a CLI Unless they do a SP then I'll do it in probably a couple months. I'm probably not gonna be doing international travel for at least a year or two. I'm talking nationally for now. Like road trips, some flights and all that jazz. Nothing extravagant. I did get preapproved for the CSP, as well as the Discover IT. Most of my card spending goes toward fuel and food. I'm not really that big in the shopping but I'm sure that will change once I am moved in with my girl. I know as time goes on and I have more accounts under my name I'll do a little bit of everything in terms of using my credit
gosh, good scores. have you thought of grabbing the 100k off a csr app in branch before 3/11? if you get a pre-qual online you should check the same @ the branch assuming you are near one. if a csp shows up I would pull that pin if it were me. then again I like the action lol