Credit Card Discussion Thread

[GunRanger]

Why not? Minimum would be 15k between both.

I just need like 3k to use to purchase my products and it would raise my credit limit/lower my utilization.

Because the benefits overlap and youll be paying an extra annual fee for no reason.

CSP IS 2x on food and travel, 1x on everything else
CSR is 3x on food and travel, 1x on everything else


There is no scenario where having the CSP benefits you if you also had the CSR. You'll be better off getting the Freedom Unlimited which is 1.5 back on all purchases for non-food/travel purchases, then transfer those points to the CSR card

 

[Silkk]

Because the benefits overlap and youll be paying an extra annual fee for no reason.

CSP IS 2x on food and travel, 1x on everything else
CSR is 3x on food and travel, 1x on everything else


There is no scenario where having the CSP benefits you if you also had the CSR. You'll be better off getting the Freedom Unlimited which is 1.5 back on all purchases for non-food/travel purchases, then transfer those points to the CSR card

Yeah, but am I guaranteed at least a 5k minimum limit with the Freedom Unlimited card?

 

[GunRanger]

Yeah, but am I guaranteed at least a 5k minimum limit with the Freedom Unlimited card?

Idk that depends on your credit

 

[Hersh]

need the best vaca vach back card

 

[winb83]

Because the benefits overlap and youll be paying an extra annual fee for no reason.

CSP IS 2x on food and travel, 1x on everything else
CSR is 3x on food and travel, 1x on everything else


There is no scenario where having the CSP benefits you if you also had the CSR. You'll be better off getting the Freedom Unlimited which is 1.5 back on all purchases for non-food/travel purchases, then transfer those points to the CSR card

If the CSR has a cap on the 3x then the CSP would come into play but at least for a year you could get 3X Chase Points on the Freedom Unlimited card anyway right?

Applying for both the CSP and CSR would really burn you on the 5/24 rule with Chase though. Chase will only allow you a new card if you're under 5 new cards in a rolling 2 year period.

 

[Obreh Winfrey]

It came in today. Dropped that bih on the table and it almost made a hole in it

 

[Silkk]

It came in today. Dropped that bih on the table and it almost made a hole in it

You got that black card breh?

 

[Obreh Winfrey]

You got that black card breh?

I wish. Just the Gold. I gotta get them ready for when I need the Centurion

 

[Silkk]

I wish. Just the Gold. I gotta get them ready for when I need the Centurion

Was thinking about applying for that one too. What limit did they start you at?

 

[Obreh Winfrey]

Was thinking about applying for that one too. What limit did they start you at?

There's no preset spending limit since it's a charge card, so theoretically I can't max it. In reality they have a some caps that they don't tell you about, from what I've read. I saw a figure in my account that was $4k, so that could be when they cut me off. I don't think I'll ever have that much on it at any of time though. I read that your caps fluctuate based on your average expenditures over the past 6 months.

 

[Silkk]

Paid $1500 on my card last friday and Chase still ain’t updated my available credit

 

[mannyrs13]

Got bored and increased the credit limit on my Amex from 10k to 12.5k. I only have the $30 recurring payment for my Universal Studios annual pass on there plus the rare Starbucks card reload when I get something from there. So I was like fukk it why not.

 

[Silkk]

Got bored and increased the credit limit on my Amex from 10k to 12.5k. I only have the $30 recurring payment for my Universal Studios annual pass on there plus the rare Starbucks card reload when I get something from there. So I was like fukk it why not.

You can just increase your own shyt at will?

 

[mannyrs13]

You can just increase your own shyt at will?

On some cards you can. Second time I done it. Some do a hard pull so I avoid those.

 

[Silkk]

On some cards you can. Second time I done it. Some do a hard pull so I avoid those.

So why not increase it to 20k or so? Did you request an increase and thats what they decided on?