Credit Card Discussion Thread
- Thread starter Blackout
- Start date
on my Chase I've redeemed $474 in points since I got it. I have $120 in points right now yet to redeem.
on my Discover I've redeemed $949.87
on my Amex I've gotten $925 redeemed and I'm sitting on $353 right now.
In about 3 years that's $2822 in credit card rewards I've came across total. Granted probably about $500 of that was sign up bonuses that's still a lot of money back for money I spent.
I bought an iPhone, a PS4 Pro, and an Xbox One as an example just off reward points with nothing out of pocket really. I'm not buying stuff just to get points. Perhaps I could be a bit more frugal in my spending but the point is it's worth considering redoing your credit card setup to maximize rewards for money you already spend.
Like with the US Cash+ card if you spend $90 a month on cell service and you keep utilities as a category for quarterly cash back for 3 years that's 2 free months just about in cell service for money you would have spent anyway cause that's $160 cb.
If you shop at grocery stores and average $300 a month on a Blue Cash Preferred that's $650 almost in cash back over 3 years for money you would have spent anyway.
How long have you had that Cap one? Quick Silver?
On 12 year old cards?
My current setup was 3 years old and I probably lost out on several hundred dollars in cash back because of a few cards I didn't have like the US Cash+ and Citi Double Cash.
On 12 year old cards?
My current setup was 3 years old and I probably lost out on several hundred dollars in cash back because of a few cards I didn't have like the US Cash+ and Citi Double Cash.
You want a brownie? Move on
Malik1time
What you looking at?
Just found this thread
a lot of gems here
I see some of ya got big amounts on these cards how long did it take you guys to build your credit up like that? 1 year?
a lot of gems hereI see some of ya got big amounts on these cards how long did it take you guys to build your credit up like that? 1 year?
Not sure if you can do this w/ a secured card, but I'd call them and try to get them to switch you to a Quick Silver. You can easily turn that $300 limit into a couple grand in a year to 18 months.Naw that joint a secured card.
My 1st card ever. I keep just to keep it
Blackout
just your usual nerdy brotha
You never checked out newer cards to see if they have better Benefits than your current ones?
Thats what I'm saying and dude got grouchy at me.
If you have good credit you can just call up or message a bank and they can product change you into a better card if they offer it.
Facts. I did that with my 2 Capital Ones & my chase. Wasn't getting any points/cash back for 6-8 years smh
Came back in this thread and got motivated
I was able to switch my capital on platinum to a quicksilver. Got a 3,800 CL on that one.
Applied for chase sapphire preferred and got approved for 21,000 today
Bout to take a trip brehs
I was able to switch my capital on platinum to a quicksilver. Got a 3,800 CL on that one.
Applied for chase sapphire preferred and got approved for 21,000 today
Bout to take a trip brehs
DrunkenNovice
Superstar
Yall care about sharing details?
Like on myfico people share
I dont plan on applying for any cards in the next 15 months but when i was applying for stuff i would always look at those threads to know where i stood.
Like on myfico people share
- Creditor and product applied for
- Approved/Denied
- Amount approved
- Credit score when applying and. Source of your info (fico/credit karma/credit sesame)
- Bureau(s) they pulled
I dont plan on applying for any cards in the next 15 months but when i was applying for stuff i would always look at those threads to know where i stood.
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