I am looking for suggestions on how to pay about 4k in unexpected bills-
- use my care credit financing options
- use my citibank double cash
- open a new credit card for sign up bonus - I am over 5/24
- other options?
My scores are all above 780 but I won't qualify for CRS until 11/17. Any ideas help, thanks!
Have you checked IN your account for an offer for CSR?
There are ways to get a CSR if your willing to do some footwork and have a little luck....
(If thats what you want)
-J
Depends on if you plan to pay off the $4k right away and if not, how long it will take you to pay it off.
If you can pay it off right away, you can get a minimum of $400-500 in rewards really easily with $4k spend. I'm thinking Arrival+, Venture, Alliant CU (and many others). Straight cash back or statement credit, no hassle with points or miles or anything. Just take the cash and run.
If you need to carry a balance for a while, then a 0% deal might make more sense. It's simple math really. If you get a new rewards card with say, 12% APR, your annual interest would be $480 (not amortizing as it's paid), or $40 per month in interest on your $4k debt. If you can pay it off in, let's say 6 months, then your interest expense at 12% would be $240, so in this case it would make more sense to get the $400-500 in rewards. If you need to carry the $4k for a year or more, then the 0% would make more sense.
You guys are the best! Thanks so much for all the replies and advice.
It looks like I have an offer for the CSP in the chase portal 
May try one more time in branch for the CRS prequal before I pull the trigger..
@Anonymous wrote:You guys are the best! Thanks so much for all the replies and advice.
It looks like I have an offer for the CSP in the chase portal
CSR isnt offered online through pre-qual tool yet.. If you have a chase branch near you go into that and ask if you a pre-qualified for any card and hopefully they will say the CSR
@Anonymous wrote:You guys are the best! Thanks so much for all the replies and advice.
It looks like I have an offer for the CSP in the chase portal
Good luck!