What's on your current wishlist, and why?

[Anonymous]

Chase Freedom, simply for the fact that it's the card my parents have, and their credit is excellent, so if I can get the Freedom, I'll feel like I really "made it" credit wise.  If/when I get it, I'm done with apping for credit cards permanently.  The Freedom will be my third card, and I don't need anymore anyway.  I figure I'll garden for another year if I can stay patient, but if not, at LEAST another 9 - 10 months.

[red259]

Citi premier is on my wish list and is pretty much the only personal card I am interested in at the moment. I want the signup offer and I need a card that can cover the travel bonus category since I downgraded my CSP. I don't want to give up my prestige card though, so downgrade is out of the question. I am also waiting for a good signup on Chase ink plus, and considering an amex business card (whichever has best offer although spg business looks nice, or if I got one of those 100k amex plat offers). 

[red259]

---

@Anonymous wrote:

Chase Freedom, simply for the fact that it's the card my parents have, and their credit is excellent, so if I can get the Freedom, I'll feel like I really "made it" credit wise.  If/when I get it, I'm done with apping for credit cards permanently.  The Freedom will be my third card, and I don't need anymore anyway.  I figure I'll garden for another year if I can stay patient, but if not, at LEAST another 9 - 10 months.

---

Strongly recommend you reconsider and look for a card that best fits your needs. The freedom card isn't that hard to get once someone has established minimal credit and may not be well suited for you. Its a good card when used right, but if you are only going to have three cards I'm not sure its going to work for you. 

[Anonymous]

---

@red259 wrote:

---

@Anonymous wrote:

Chase Freedom, simply for the fact that it's the card my parents have, and their credit is excellent, so if I can get the Freedom, I'll feel like I really "made it" credit wise.  If/when I get it, I'm done with apping for credit cards permanently.  The Freedom will be my third card, and I don't need anymore anyway.  I figure I'll garden for another year if I can stay patient, but if not, at LEAST another 9 - 10 months.

---

Strongly recommend you reconsider and look for a card that best fits your needs. The freedom card isn't that hard to get once someone has established minimal credit and may not be well suited for you. Its a good card when used right, but if you are only going to have three cards I'm not sure its going to work for you. 

---

Right, it is an entry level card for Chase.   But getting it for that reason is certainly more valid than some reasons we see, so if it works for you, go for it!

[red259]

---

@Anonymous wrote:

---

@red259 wrote:

---

@Anonymous wrote:

Chase Freedom, simply for the fact that it's the card my parents have, and their credit is excellent, so if I can get the Freedom, I'll feel like I really "made it" credit wise.  If/when I get it, I'm done with apping for credit cards permanently.  The Freedom will be my third card, and I don't need anymore anyway.  I figure I'll garden for another year if I can stay patient, but if not, at LEAST another 9 - 10 months.

---

Strongly recommend you reconsider and look for a card that best fits your needs. The freedom card isn't that hard to get once someone has established minimal credit and may not be well suited for you. Its a good card when used right, but if you are only going to have three cards I'm not sure its going to work for you. 

---

Right, it is an entry level card for Chase.   But getting it for that reason is certainly more valid than some reasons we see, so if it works for you, go for it!

---

I wouldn't really consider it a valid reason. Just because someone gets a card for a poorer reason doesn't make this reason more valid by default. Poster can do what they want, but I am merely saying they should look and see which card will work best for them as opposed to blindly encouraging them to apply for a card that may not fufill their needs.  

[Anonymous]

---

@red259 wrote:

---

@Anonymous wrote:

---

@red259 wrote:

---

@Anonymous wrote:

Chase Freedom, simply for the fact that it's the card my parents have, and their credit is excellent, so if I can get the Freedom, I'll feel like I really "made it" credit wise.  If/when I get it, I'm done with apping for credit cards permanently.  The Freedom will be my third card, and I don't need anymore anyway.  I figure I'll garden for another year if I can stay patient, but if not, at LEAST another 9 - 10 months.

---

Strongly recommend you reconsider and look for a card that best fits your needs. The freedom card isn't that hard to get once someone has established minimal credit and may not be well suited for you. Its a good card when used right, but if you are only going to have three cards I'm not sure its going to work for you. 

---

Right, it is an entry level card for Chase.   But getting it for that reason is certainly more valid than some reasons we see, so if it works for you, go for it!

---

I wouldn't really consider it a valid reason. Just because someone gets a card for a poorer reason doesn't make this reason more valid by default. Poster can do what they want, but I am merely saying they should look and see which card will work best for them as opposed to blindly encouraging them to apply for a card that may not fufill their needs.  

---

I think it does sort of make it "more valid", just not "valid"!    But I also think it is easy to over-analyze "What card is the best for me?"   As this person is talking about getting 3 total, so probably isn't going to spend a lot of time optimizing.  A 1% with some 5% categories is "good enough" IMO, if it has sentimental value as well.

[Anonymous]

---

@red259 wrote:

---

@Anonymous wrote:

Chase Freedom, simply for the fact that it's the card my parents have, and their credit is excellent, so if I can get the Freedom, I'll feel like I really "made it" credit wise.  If/when I get it, I'm done with apping for credit cards permanently.  The Freedom will be my third card, and I don't need anymore anyway.  I figure I'll garden for another year if I can stay patient, but if not, at LEAST another 9 - 10 months.

---

Strongly recommend you reconsider and look for a card that best fits your needs. The freedom card isn't that hard to get once someone has established minimal credit and may not be well suited for you. Its a good card when used right, but if you are only going to have three cards I'm not sure its going to work for you. 

---

Why do you say that?  I'm kind of new to the whole credit thing and am genuinely curious.  Is there one you think may be better?

[Anonymous]

Better would depend on your personal spend. Are the benefits of the Freedom card actually useful to you? Getting it solely bc its a card your parents have isnt exactly a solid reason to apply for it.

[Anonymous]

---

@Anonymous wrote:

---

@red259 wrote:

---

@Anonymous wrote:

Chase Freedom, simply for the fact that it's the card my parents have, and their credit is excellent, so if I can get the Freedom, I'll feel like I really "made it" credit wise.  If/when I get it, I'm done with apping for credit cards permanently.  The Freedom will be my third card, and I don't need anymore anyway.  I figure I'll garden for another year if I can stay patient, but if not, at LEAST another 9 - 10 months.

---

Strongly recommend you reconsider and look for a card that best fits your needs. The freedom card isn't that hard to get once someone has established minimal credit and may not be well suited for you. Its a good card when used right, but if you are only going to have three cards I'm not sure its going to work for you. 

---

Why do you say that?  I'm kind of new to the whole credit thing and am genuinely curious.  Is there one you think may be better?

---

Depending on your spend (amount and where you spend) there may be LOTS of cards better than Freedom  (In my earlier response I thought you had done research, now I am with Red!)

There are cards that earn 2% on everything (and others that earn 1.5% on everything with no fees for foreign transactions).   There are cards that give rewards in certain categories such as groceries, gas and bookstores.  

The Freedom is good if paired with a transfer card such as the CSP or Ink, and you use the points to transfer to a travel partner and book award travel.   Otherwise, it's not a good card for everyday spend.  If your parents use it that way, you may be able to educate them

[red259]

---

@Anonymous wrote:

---

@red259 wrote:

---

@Anonymous wrote:

Chase Freedom, simply for the fact that it's the card my parents have, and their credit is excellent, so if I can get the Freedom, I'll feel like I really "made it" credit wise.  If/when I get it, I'm done with apping for credit cards permanently.  The Freedom will be my third card, and I don't need anymore anyway.  I figure I'll garden for another year if I can stay patient, but if not, at LEAST another 9 - 10 months.

---

Strongly recommend you reconsider and look for a card that best fits your needs. The freedom card isn't that hard to get once someone has established minimal credit and may not be well suited for you. Its a good card when used right, but if you are only going to have three cards I'm not sure its going to work for you. 

---

Why do you say that?  I'm kind of new to the whole credit thing and am genuinely curious.  Is there one you think may be better?

---

There may be. It depends on what you tend to spend money on and what your other cards are and what your goals are. Don't get me wrong. The Freedom is a decent card, but some other cash back cards may work out better for you. Really what we would need to know is 1. What your other two cards are (to see which categories you have covered already) and 2. what you tend to spend money on (and how much) each month (ie, groceries, fuel, restaurants, travel etc). It sounds like your focus would be cash back cards.