@vwgrrc wrote:See if we could pick something we didn't know
Put down: card name, reason to apply, when to apply.
For me:
1. US Bank Cash+, 5% on fast-food and my AT&T bill, 9/2015
2. Chase AARP Resturant, 3% on dinning, 10/2015
3. Chase AARP Travel, 3% on travel, after my ThankYou Premier's no AF preiod 07/2016
1. Lowe's, for the 84 month 5.99% until paid in full (installing a new vinyl fence), September 2015
2. AMEX PRG, for the 3X and 2X points for travel, January 2016 (on my birthday)
Chase freedom because of the category 5% plus I want to get back in with chase. I won't try and app until 2017.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:I would love the Citi Prestige. I have no history with Citi (so no negative history with them), but they have denied me for any card I've ever tried to get with them. Their pre approval site says I'm not approved for any of their cards. All of the cards in my signature were procured since this April except my CSP and Barclaycard Apple Rewards. The first card I applied for was the Citi Prestige and I was denied, and then I was denied for the Citi Double Cash. I was approved for every single other card I applied for since then. For the next 7-9 months I'll be traveling every other week for work for 4-5 days at a time. The Citi Prestige would have saved me thousands of dollars with that fourth night free promotion.
ummm u have a palladium.... wow. citi hates you........
I have no banking history with Citi though, and I my history/balances with Chase is the primary reason I was approved for the Palladium. Citi isn't going to get my business if they're not going to approve me for any of their cards though. I'm going to wait until all of my way too many inquiries fall off in a couple of years, and if I'm denied again, they'll never ever see any business from me.
Citi is weird. They gave me a Visa Gold when applied for a Visa Signature and told me to try again next time when I asked about it. Did they ever tell you why they denied you? I got 12 inquiries on my report and still managed to get approved for their second card even though I was hesitant about applying. I now want their Double Cash Back but only if I get the WEMC version 
Will wait until next year when my Discover double cash back promotion stops. And of course, the Amex Platinum. Wish they have the Amex Zinc card available so I can add to my collection of white and black credit cards, lol.
@Anonymous wrote:
@vwgrrc wrote:
@Anonymous wrote:Getting one is the first step to getting 2 Sallie Mae MCs. Two beats out the BCP at any level of spending, unless you spend an absurd amount on gas or department stores
Planning my #2 SM now since #1 normally go over $250 on grocery.
Anybody how long do you have to wait between 2 SM application?
I got my cards roughly 5 months apart, but my second card was only approved for $2k, so it was a bit close.
If I get a second Sallie Mae I think that's the perfect limit for it since it would only be a spillover card to capture additional 5% bonus. In fact, the one I was just approved for at $7500 is really overkill for what I'll use it for. But I like it helps with utilization.
My dream card is the Amex Blue Cash Everyday/Preferred, I might actually apply this week, I have only had my Amex Green for three months, maybe I should wait?
SInce it's SP if denied, I am more willing to just try and see if I get it.
Gardening until September 2025