Author Topic: Misc Credit Card Questions  (Read 666663 times)

Offline Wizard

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Re: Misc Credit Card Questions
« Reply #8520 on: May 02, 2019, 02:56:27 AM »
Hi there
Applying for Chase Ink Cash later today. Any other chase cards with good offer right now that I should apply for same time (cuz 5/24 and same credit pull)? I have freedom unlimited and DW has freedom. Already had reserve. Thx!!!
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8521 on: May 02, 2019, 09:52:51 AM »
Hi there
Applying for Chase Ink Cash later today. Any other chase cards with good offer right now that I should apply for same time (cuz 5/24 and same credit pull)? I have freedom unlimited and DW has freedom. Already had reserve. Thx!!!
Chase Ink Unlimited,  Southwest.
I'm not sure if there's any issues with applying for 2 Ink's at once.
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Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8522 on: May 02, 2019, 09:53:15 AM »
My question is, what's the best non Chase or Amex cards? Want to diversify a little. Looking for both personal and biz cards.
Citi?
thanks for response.
which Citi cards? Is Citi better than Barclay's?
Which cards would bring the most value for 1st year of use when you consider the welcome offer, AF & bonus spending categories?
(And which cards continue to keep their value after 1st year)
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Offline Wizard

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Re: Misc Credit Card Questions
« Reply #8523 on: May 02, 2019, 10:33:01 AM »
Chase Ink Unlimited,  Southwest.
I'm not sure if there's any issues with applying for 2 Ink's at once.
Both of those have a limited time bonus?
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Online Joel2

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Re: Misc Credit Card Questions
« Reply #8524 on: May 02, 2019, 10:51:50 AM »
thanks for response.
which Citi cards? Is Citi better than Barclay's?
Which cards would bring the most value for 1st year of use when you consider the welcome offer, AF & bonus spending categories?
(And which cards continue to keep their value after 1st year)
Both A+ and Premier have the annual fee waved 1st year.

A+ has currently a higher bonus. $700  towards travel (unrestricted) vs premier $625 towards travel and is restricted to thankyou.com

barclays is Double points on all purchases effective earning rate of 2%.

Citi premier 1.25 earning towards travel. Similar to CSP on all purchases. Premier is a keeper if you don't have the CSR since its ×3 travel includes Gas.

You need to make the decision based on your spending habits.




Online chevron

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Re: Misc Credit Card Questions
« Reply #8525 on: May 02, 2019, 12:01:23 PM »
If you settle a business credit card, legit LLC with FEIN etc will it affect personal credit of the person in business who opened cards.

Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8526 on: May 02, 2019, 01:25:26 PM »
Both of those have a limited time bonus?
is the the ink cash limited? Been around for a while now.
I assumed your looking for something with a good welcome offer. Those are probably the best Chase offers available.
Since you already have the freedoms and CSR those seemed like the best option. The ink unlimited (for spending) is identical to the freedom unlimited but its a business card and has much better welcome offer.
Since you already have the CSR you can't get the CSP.
There's also the UA card if you like United. 
With Southwest you can get both the Personal and Business cards and meet the  threshold for the 1 year free companion pass which is the best airline offer out there - if Southwest works for you.  (It doesn't for my travel 🙁)
Dan has posts about SW on DDMS on how to do it correctly.
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Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8527 on: May 02, 2019, 01:50:50 PM »
Both A+ and Premier have the annual fee waved 1st year.

A+ has currently a higher bonus. $700  towards travel (unrestricted) vs premier $625 towards travel and is restricted to thankyou.com

barclays is Double points on all purchases effective earning rate of 2%.

Citi premier 1.25 earning towards travel. Similar to CSP on all purchases. Premier is a keeper if you don't have the CSR since its ×3 travel includes Gas.

You need to make the decision based on your spending habits.
thanks
Most of my big spending in online in non bonus categories plus a decent amount of groceries and gas for a minivan family.😀

At this point between me an DW we have
2 Amex Blue biz
1 Amex Plat Biz
1 SPG
1 Delta Gold
1 Amex cash
(Will probably exchange the last 4 eventually)
1 CSP
3 Freedom
1 Freedom Unlimited
2 Ink Cash
2 Ink Unlimited
1 BoA Cash

So we pretty much cover most spending categories.

At this point I'm not really looking for cards to put reg spend on (but a new good card for reg spend would be a bonus)

I do not value free hotel stays much since I prob won't have opportunity tho use them.

I'm mainly looking for new non Chase/Amex cards that have nice welcome offers for churn style or cards that bring enough value to cover the AF even without putting much spend.
For example the Balcleys JB cards if one takes at least one 2 way trip a year bc of the free bags and annual 5k bonus and the like. Problem is I only know Chase and Amex so trying to figure out the others
« Last Edit: May 02, 2019, 02:05:40 PM by Mo2 »
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Offline zagguru

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Re: Misc Credit Card Questions
« Reply #8528 on: May 02, 2019, 02:36:36 PM »
Adding an employee card will not show up there credit report since this is a business card correct? For Barclay specifically.
« Last Edit: May 02, 2019, 02:49:56 PM by zagguru »

Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8529 on: May 02, 2019, 02:55:05 PM »
Adding an employee card will not show up there credit report since this is a business card correct? For Barclay specifically.
Barclays in general has mixed reports on whether they report Biz cards.
Don't know personally.
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Offline zagguru

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Re: Misc Credit Card Questions
« Reply #8530 on: May 02, 2019, 02:55:59 PM »
Barclays in general has mixed reports on whether they report Biz cards.
Don't know personally.

If they do, it can effect 5/24

Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8531 on: May 02, 2019, 04:20:45 PM »
If they do, it can effect 5/24
DoC claims it doesn't report
"Barclay’s
Barclay’s does not report business cards to the personal bureaus (1, 2, 3, 4, 5, 6, 7, 8, a friend). [There are a couple reports of it showing (1, 2), but those are likely confusing hard pulls with the card history showing.]"
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Offline Mo2

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Re: Misc Credit Card Questions
« Reply #8532 on: May 02, 2019, 04:22:26 PM »
Adding an employee card will not show up there credit report since this is a business card correct? For Barclay specifically.
can you show biz documentation?  I saw that Barclay's usually requests.
Not sure if it's worth for me to apply for a Barclay's biz bc of that
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Offline zagguru

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Re: Misc Credit Card Questions
« Reply #8533 on: May 02, 2019, 07:10:22 PM »
can you show biz documentation?  I saw that Barclay's usually requests.
Not sure if it's worth for me to apply for a Barclay's biz bc of that

Got approved. Was initially declined but HUCA 2x and got approved. No business documents requested.

Offline ludmila

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Re: Misc Credit Card Questions
« Reply #8534 on: May 02, 2019, 07:21:12 PM »
Got approved. Was initially declined but HUCA 2x and got approved. No business documents requested.
Which card were you approved for?
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