Opening credit cards for the bonus reddit Points are not awarded on promotional credit purchases. The Student version of the card has a 50 dollars for 100 spend in 3 months. The 30 day rule of thumb is for all Chase credit cards. I got one when opening Chase Sapphire Reserve. Expand BoA $200 Cash Rewards Bonus . Edit: I noticed you said your Chase 5/24 status is 0/24, but if you opened a new card in 2022, it's at least 1/24. If I do that and have a direct deposit of $1k+ in Sapphire cards 48 months after receiving the last bonus. Doctor of Credit is a great resource too. It’s just for signing up. I can tell you that I got declined for the S1 in late December before getting it in early February. for both Chase Total Checking® and Chase Freedom Unlimited® Credit Card. I'm not in need of a new credit card but still I should get the card just for the bonus? And is that bonus will be taxable? It gives unlimited 1. But there is a significant advantage the >$4,000 worth of sign up bonuses and extra rewards I have gained by opening new cards. I believe at my peak, I had 27 open credit card accounts. I would love to hear suggestions. A subreddit for discussing credit cards. I have some big expenses coming up and I am looking to put all of them on a credit card with a good sign-up We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more. Expand Where do I check progress made towards the 4k spend bonus for the 75k bonus miles? Archived post. I have a bonus offer from Wells Fargo to open a checking account with them. true. I do have Willing to MS Willing to open Business cards Would like to get into churning more! But for now looking for the best 2-3 card progression from where I’m at Targeting points and miles Currently have 140k Chase points We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more. The credit card I applied for was "Savor One Rewards from Capital One". Both are through Chime. I plan to leave both the Debit and Credit Card active as from what I understand if I close the Debit Card the Credit Card goes with it and from what I know that can severely damage my credit rating because it is my oldest account. Hi, AMEX Platinum is currently offering a promo for 150,000 points for signing + spending $8k in 6 months. This answer will determine if you meet the minimum requirement for meeting Sign Up Bonus (SUBs) for the cards. 1/6/24 - Application submitted online and went pending 1/8/24 - Approved after submitting SS card and utility bill; $10K funding on BOA Premium Rewards posted as purchase January (Month 1) - 2 $25 employer DDs and 12 very small debit card purchases I mean sure. For example, the Southwest Priority give an annual $75 Southwest credit and 7,500 Rapid Rewards. this one gets 5x on office supply stores and can be used for various branded gift cards, staples online store even codes as office supply, so don't even have to walk into a store and most cards can be delivered online. Help Signed up for a BoA card early June. Will also determine what cards you could get. My husband already opened a card in his name and is urging me to open a card in my name as well. Same page link to Offer Details Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. Some banks perform hard requests for credit like a credit card would; others use Chex and EWS (Early Warning Service) - think of them as credit reports for banks - to see if you've opened a lot of bank accounts recently or have a bad history with any banks. Opened my new Chase card right before that, and cruised to the signup bonus criteria. e. And some banks made start to red flag you for just getting bonuses and not using the card and reject you in the long term. Without the appropriate business structure, positive payment history and responsible credit use may not reflect on your personal credit profile, limiting your ability to build a strong personal credit history. Your credit score will be affected by opening a new line of credit (this doesn't necessarily mean your credit score will drop, but I'd say it weighs in that direction). Credit card welcome bonus offers are an easy way to earn extra rewards when you open an account. Almost all of them have ToS that state something along the lines of “the account must remain open for X days after the bonus is payed out in order to not be charged an account closing fee” 68yo dad has around $15k credit card debt at 26% interest with a 500 credit score This is the home of the wedding photographer community on Reddit and the place for wedding A credit card uses the banks money and you pay them back. There is no significant advantage of having 840 FICO instead of 800. I do cash back exclusively and my spend is low, so I just pick up easy $200-$250 bonuses on cards that will give me a good 3%-5% in a category or two. 5% It would take a lot to negatively affect the average age of credit and Amex only does one hard pull for your first credit card. Expand We are pressured to push the card, bonuses if we sell 5+, they put it up in the backroom, etc. card which I spent 8K and got 100,000 points with only a $95 annual fee. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on Open menu Open navigation Go to Reddit Home. Discover Credit Card $100 Referral bonus + extra $40 I have a couple Discover It referrals left and it's one of the lowest effort referrals out there. Will opening a new card hurt my score that much? Credit History is only like 2 or 3 years So I recently came across the Bilt Credit Card and considering I'm paying > $4,000/mo in rent so it seems like a no-brainer to open (I will likely always pay >$4K rent even if I move into a place I I’m constantly sending people money with credit cards. I’ve been doing research and it seems that the Chase Sapphire reserve is the best card for what I am looking for. Maybe you're missing the difference here. I don't get very many credit cards (maybe 1 every few years on average when someone offers a nice deal). r/CreditCards A chip A close button. Late payments Your credit score will suffer if you're late making a payment. . Capital One approvals are less predictable than those of other major card issuers, and they are arguably the least friendly to churners. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on This is possible. Expand A subreddit for discussing credit cards. Log In / Sign Up; Advertise on Reddit; I just applied for a credit card with signup bonus if you spend $1000 in the first 60 days. Interestingly, some of their cobranded cards have referrals with different (and better) SUBs than applying directly on the website. If the person you refer already has a Capital One card, you will NOT get a referral bonus. My understanding is you can only get 1 Marriott credit card signup bonus, even between cards brands. 75% bonus on all credit card rewards. Except most credit card bonuses can be valued at $500 to $1000. Get app Get I have a bonus offer from Wells Fargo to open a checking account with them. r/AusFinance A chip A close button. According to what I’ve read, this means I’m eligible to re-earn the sign up bonus since If you apply and are approved for a new My Best Buy® Credit Card, your first day of purchases on the Credit Card using Standard Credit within the first 14 days of account opening will get an additional 2. Same with credit cards they have some good sign up bonuses from time to time. I already have an Amazon credit card, so I don't really see use in the card afterward. Yes, I think the bigger issue is opening a new line of credit in between obtaining financing or preapproaval and/or making the offer before closing. I can take a 2 week international vacation with my wife in business class every 8 months from the churning game. Chase Freedom Flex $10,000 limit, June 2021. account is 1. But wait a few months and keep track of the fine print (some only allow you to obtain the sign up bonus once every X years). I signed up for Some banks perform hard requests for credit like a credit card would; others use Chex and EWS (Early Warning Service) - think of them as credit reports for banks - to see if you've opened a lot of bank accounts recently or have a bad history with any banks. I’ve already got a couple like the Chase Inc. In my opinion you should use your credit card like a I'm looking to open another Chase business card and read people opened multiple CIC. Ex: Harris Teeter $100 SUB with no MSR using referral link (as opposed to $500 MSR without). One-time 20,000 bonus Points will be awarded if you are approved for a new U. to do this The heavily abridged version: get credit card 1 and meet minimum spend for bonus. This is effectively a return of 10%. If you want a full list of all cards and their current SUB try US Credit Card Guide We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more. I understand that this is usually a decent all-around card, but was curious if the extra $50 cash bonus has changed people's impression of it. You could say that about any card; churning big bonuses is always better than categories. You can leave the new accounts open as well if you want, having multiple open credit cards doesn't really hurt your credit score. Especially if they don't have an annual fee, I'd just keep them open because your credit score will increase if 1. Be In November 2022, I got Citi Premier card. New comments cannot be posted and votes cannot be cast. 12 month 0% APR period and it’s a business card so utilization won’t affect your personal credit. $450 Open menu Open navigation Go to Reddit Home. You can easily rack up 100-200K points by churning Chase and Hyatt credit Yes, though are the terms of the bonus seem to be intentionally vague, if Capital One will approve you for another card with a bonus (such as Venture), you should earn the welcome bonus. My favorite rewards currency is Chase Ultimate Rewards and my favorite hotel loyalty program is Hyatt. I am twenty three now. r/Costco A chip A close button. 25% and 3. I just think that these type of people are just not using credit cards correctly in general and quatery credit cards have not much to do with it. Higher-yield checking/savings with nicer benefits often don't offer the cash bonuses. Sign up, collect the bonus, close the account once the termination Skip to main content. Approved with $6500 CL. With a credit card, you have a requirement to spend a certain amount of money on the card within a certain amount of time after opening the card, usually 3 months. And even with a moderate amount of spend, points add up fast. Once that loan is paid off, FICO dings you. It won't matter how many credit cards you have or how long you've had them. Expand Recently started shopping for a travel credit card. Credit cards with substantial sign-on bonuses are super attractive. I used to get these deals for 1000+ USD for opening an account and spending lots of money in the first 3-6 months but now everyone only seems to be offering $100 or so. The 75k sign up bonus has me wanting to get it again if possible. S. As far as velocity goes, there's a general strategy of staying below 5/24 or going LOL/24. Most rental portals, if they even allow you to pay with a credit card, will charge approximately a 3% fee. The Amex Bonvoy business is $125 per year but after the first year you currently get a 35k point voucher every anniversary and another 15 nights per year. Other cards offer perks for yearly ownership as well. I saw in other threads that the sign up bonus used to be higher. Since you're doing that, you should check out Wellfargo's/greatrate offer while you're at the branch or the $525 offer for getting a savings account, or stack them by opening two different savings accounts, and you might also get the $200 credit card offer and then you can spend the $1,000 on the new credit card, and use the $1,000 in your checking account to pay the bill for Looking for advice on re-earning a sign-up bonus for the Sapphire card, as this will be my first time doing this. Did you still get A subreddit for discussing credit cards. There was no differentiation between good credit and excellent credit at the time although I had excellent credit at the time of applying. It doesn’t have a traditional bonus like other cards have (points, credit, Open menu Open navigation Go to Reddit Home. 2cpp - could have done better had I know about the concept of cpp). Hi , I just got the noon vip credit card and i was wondering how to use to 1000dhs welcome bonus which you were supposed to recieve as advertised. ) you have high credit limits and 2. I used it to book an international flight (although I learned today I only got some 1. I opened the Chase Sapphire Reserve card in July of 2019. We already have a BoA credit card that gives 3% on gas and 2% on groceries, so this would bring it up to 5. e. Should I open it with Chase or another bank? Few banks are having cash bonuses right now if you spend $500 within first 3 months, you get back $200. Reply reply A subreddit for discussing credit cards. The deposit landed in the checking account this afternoon and a few hours later I received a notification from Rakuten confirming the $175. I applied for the credit card afterwards so even if I hadn’t applied for the card it would’ve been an easy $175. Waited three days between brokerage opening and checking opening. Please link all the best ones you know! I need business cards preferably as I’ve already reached my 5/24. Thanks in advance. I figured this is the best time to open a new card and take advantage of a good sign up bonus but not sure what to get. If you open too many accounts too quickly, they'll start denying you. Cancel it. Your credit score is based on a number of factors like # of accounts open, oldest account, total revolving credit line, total revolving debt, "debt burden" (which is your total revolving debt divided by your annual income), and a 13 votes, 33 comments. 5 years 6 months SUB means Sign Up Bonus, which for the SavorOne For Excellent Credit is usually 200 for 500 spend in the first three months. Expand Usually with Credit Card SUBs (Sign Up Bonuses) if you receive them and cancel the card before the first year then the banks will know what you’re up to and can take the SUB back and may even blacklist you (so you can’t get Unfortunately I have to repipe my house which will cost me at least $4000-$5000. I haven't seen this mentioned anywhere else so I thought I'd post to garner feedback. Bank, but your application was not approved. I already have a couple business cc with Cap One (which each gave me large cash bonuses in the beginning), and don't need another CC, but criminy, free $750 is great money. It may be wise to keep at least one card open for length of credit history. 5%, respectively. Let's assume you receive a $500 credit card bonus after spending $5000. I have no annual fee cards but open to get something around the $95 annual fee range. r/awardtravel for redemptions, read their wiki/FAQ before asking questions at both of those subreddits. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. Credit card welcome bonus offers are accompanied by a requirement where you need to spend a certain amount of Since you're doing that, you should check out Wellfargo's/greatrate offer while you're at the branch or the $525 offer for getting a savings account, or stack them by opening two different savings accounts, and you might also get the $200 credit card offer and then you can spend the $1,000 on the new credit card, and use the $1,000 in your checking account to pay the bill for For several years in my early 20s, I was a super active credit card rewards chaser opening a new card more or less as soon as I earned the bonus on the last (within the established rules of the issuers). FICO: 802 Here‘s my Problem with asking for Credit, when I’m tasked with a reset, down stocking garden, helping a customer load pavers soil and bark, two callouts in the dept, helping customers with general questions, working that new stupid list on the phone, oh and I am the only one of two forklift driver on shift in a 130m plus a year store, I’m not taking time to ask for credit and fill out Hello, to start I have a chase freedom flex card and in august I received an offer for $900 to open a checking account with a direct deposit and savings account with a balance of over $15000 and maintain that for 90 days. Bank Altitude Go Visa Signature Card and eligible Net Purchases totaling $1,000 or more are made to your Account within 90 days after Account opening. You can sign up for a new card, get the sign up bonus, and close it, and the only real knock you'll take on your credit is the minor one for a credit pull. 5% additional earnings on all purchases with a spending cap of $20,000 in the first 12 months from the opening of your account. 15 votes, 34 comments. You should know that opening and closing multiple cards will likely have slight and temporary negative effects on your credit score. The Reddit credit card flow chart provides guidance for what cards to open if you’re looking to open a new credit card. Among travel credit cards (I have a lot), Is it worth to apply for Amtrak Guest Rewards Preferred Mastercard 40,000 BONUS POINTS, I was denied for the card in January the day after I was approved for . That's like earning FICO likes to see a mix of credit on your reports. g. The official site literally has signed up for a Chase Freedom Credit card and get $200 bonus offer when you spend over $500 in 3 months. 750. Eric Bank, Finance Expert. r/glasgow Open menu Open navigation Go to Reddit Home. 5% cash back on every purchase but I have my apple card and it already gives back 2%. I got the bonus back in 2018 or so, and then downgraded to the Quick Silver. Up to 60,000 Bonus Points 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. I have a big Open menu Open navigation Go to Reddit Home. If I do that and have a direct deposit of $1k+ in there within the first 90 days, A subreddit for discussing credit cards. Simplii Financial is giving you up to $450 in signup bonuses when you open a new account (Canada) Get up to $450 in signup bonuses Churn credit cards get a credit card for the sign up bonus, meet the spend requirement, repeat. Or does chase / other credit cards do things for like yearly ownership? They offer the annual prepaid hotel credit. Should I get second cc with Chase? Which then will make me have 3 open accounts with Chase or it’s better We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more. But I didn’t get anything from them. You can either do this in full and not incur any interest charges, or pay it off over time for a fee (interest). I was wondering if part of this $1000 minimum can be from buying gift cards, specifically Apple gift cards. , Receive $200 after spending $1,000 within three months of account opening), do you put all of your spend onto that new account to reach the minimum spend, or do you try to maximize cash-back rewards by putting different purchases on different cards? So long as you pay it off and don't increase spending just to get a reward, opening cards to get signing bonuses can be fine. " This is apparently heavily YMMV. ) your credit utilization is low, which will continue to get lower if your credit limit keeps increasing. The annual fee is $695. Referrals = 20,000 UR points for CSP and 10,000 UR points for CFF or CFU. r/CreditCards. We speaking about someone that thinks that earning 5% on a $200 item is better than waiting and saving $20 on the purchase plus at least 1% cashback. Welcome bonus: The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. More posts you may like r/glasgow. It's opening and closing credit cards for the signup bonuses. I'd limit it to opening 2 cards per year, but otherwise, "credit card hacking" is a great idea. Having "too many" credit cards only affects your credit score if you don't handle them properly. Is there anything reckless (aside from 'paying' in your credit score) for just taking out a card to get that sign-on bonus, paying it off, then going back to your main card? Something about it feels The Reddit credit card flow chart provides guidance for what cards to open if you’re looking to open a new credit card. Spend $5000 get $500 back. Be sure to read sub rules before posting, Capital One $300 bonus question when opening a card comments. Open menu Open navigation Go to Reddit Home. I went to sign up for an Ink unlimited card and at the bottom of the page under certifications before consenting, it states in line 10: The new Cardmember bonus offer is only available if I do not have this card and have not received a new card member bonus for this card in the past 24 months. You can probably get a higher rate back with smaller bonuses like $200 bonus for $500 like the WF Active Cash (40%), but then you'd likely want to get more cards which might not be worth the hard credit hits. My credit score has fluctuated between an 850 on 3/2021 and 805 currently. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on E: one other factor is how quickly you can close the card - best advice is to keep it a year before closing it, and you can close it or change to another card before the Annual Fee hits. (I posted the From credit cards with hotel points and airline miles to cards with cash back or a big discount, there are plenty of different sign-up bonuses available. Unfortunately I have to repipe my house which will cost me at least $4000-$5000. To get an extra $100 bonus, open a Chase Total Checking® account from this page and set up direct deposit. Both of us get $100 cash back almost instantly with no spending requirements - just apply and get approved. Are you comfortable with constantly opening credit cards or are you planning to open a few and use those for everyday spending? This will determine your overall strategy for accruing points Template for Card Recommendation Requests: Please use the following template so that everyone can make appropriate recommendations: Current cards: (list cards, limits, opening date) e. I’m considering signing up for a Costco credit card, but am wondering if it would be beneficial to wait for a promotional deal? Skip to main content. The value you can get is kind of insane. Writer: Eric Bank. You don’t need to close the card, if you want to get a new sapphire bonus just product change to other freedom since it has no AF and you can reapply. Some credit cards have an annual fee that is part of their rewards program, but many do not. You can decide later on if your spending habits make this worth it. I did just that. I'm thinking on buying visa gift cards to get the bonus and transfer the money of the visa cards Open menu Open navigation Go to Reddit Home. Yes, the ToS say this, but it is not enforced. I have used them since I got my first job when I was seventeen. Discover is super beginner friendly too. If you only have revolvers (credit cards) on your report then open an Installment loan, FICO rewards you. 2. I think at this point most churners are opening up business credit cards and only getting the occasional personal card so they can stay under 5/24. Stop spending on that, get credit card 3 and meet bonus. Generally, will the 60 days start from the time I’m approved, the time the card So I am aware opening a new credit card gives you 100k+ points or so as a welcome package. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on Get your wife a CSR using a referral link and downgrade your CSR. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to Hello, just as the title says, amazon has a 200$ gift card bonus given if you’re approved for their credit card and from what i see, there isn’t any minimum spending. Example: You meet spend requirement on Jan 10, statement closes Jan 20, points post Jan 22. 5 bonus points (an additional 5% back in rewards, for a total of 10%). Apparently if you signup for a US Bank Checking Account they add offers to your credit cards. How often can I apply for Citi AAdvantage Platinum and/or Barclay Aviator card and still get the AAdvantage bonus miles? Scenario Year 1 - Applied Citi AAdvantage, met all spending requirement and received 65,000 miles and after a year (paid annual fee) then decided to cancel it. I haven’t really actively done any of that since 2017 and I’m now down to 8 cards. Capital One sends me offers of $750 cash back if I apply and get a new business credit card, with very easy requirements. Opening up a travel card for a big sign up bonus (SUB), using it for one year, and then product changing it to a no annual fee card or cancelling it altogether can be quite beneficial to just about anyone who plans to travel even once through economy airfare during that first year. Didn't know if there was any sort of '48 month rule' etc such as Chase. In December 2022, I got Amex Platinum. Temporary hits to your credit score will occur, but recover rapidly. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; Sign up for a credit card with a bonus such as "$200 bonus when spending $1,000 in the first 90 days" and "3% cash back" etc etc Buy Kitsap Credit Union $150 Personal Checking Bonus DP. Amex BCP $8,000 limit, May 2019. "We appreciate your interest in U. Stop spending on that, get credit card 2 and meet minimum spend for bonus. But if I know I'm coming up on a big purchase, I'll wait to open a new card with good signup bonus until then. Will closing it shortly after getting it hurt my credit score? You always need to leave a card open for at least 12 months. Reddit is a great big community so get money off your cable bill, get a free iPad, or whatever incentive you're offered. maybe more. For example, I bought a new bedroom set a few years ago. Keep in mind closing cards, means you won’t build a credit history. Freedom cards 24 months. FICO: 802 I have chase credit card and checking and was thinking about opening second credit card. Opening a credit card account almost certainly will hurt your credit score. I want to keep getting credit cards and getting sign up bonuses. This whole thing with Installment loans is counter-intuitive but that is how it works. Chase has a rule of 1 bonus every 2 years I believe, so if you open 1 chase freedom to get the $150 bonus, then 5 months after you open sapphire preferred you don't get the bonus on the preferred but if you wait 2 years after the first bonus and then open the sapphire preferred then you do get the ~$500 bonus. I plan on applying for the Amex Blue Cash Everyday card in the future as it fits my use case and also has a nice welcome bonus of $250 for $1000 spent in the first three months. If your goal is to have the right account for you in the long term, be sure you're picking the account that best suits your needs (low or no fees, debit card works where you need it to, good interest rate, etc) rather than the one that gives you the best bonus. Skip to main content Open menu Open navigation Go to Reddit Home CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. 5 AND, open a Chase Freedom Unlimited® credit card within the promotional timeframe. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; you can redeem Sapphire Preferred’s bonus points for cash back and save more than you would with the best cash back credit card The only cards I know of with higher cash back SUBs are business cards. 2025. My plan overall: Rakuten - $175 Open menu Open navigation Go to Reddit Home. I’m constantly sending people money with credit cards. In last week of Jan 2023, I got Chase Ink Business Cash. Two different TL;DR; bonuses are absolutely worth taking on iLottery, IF AND ONLY IF you ONLY take bonuses that are dollar-for-dollar matches (don't take 50% bonuses, 30% bonuses, $5 added to every $30 deposit bonuses, etc. Expand With my preferred rewards bonus I get a 50% booster on my credit cards with BofA Really I earn 1. r/personalfinance A chip A close button. FICO Score: e. Help or personal experiences would be appreciated! Would hate to get the card/pay the annual fee without receiving the bonus. Points from a credit card sign up bonus will post to your RR account a few days after the statement closing date of the statement on which you completed the spend requirement. Oldest account age: e. FICO want to see a credit mix on your reports. They often come with points or cash incentives if you charge a certain amount within the initial first months, so Anything wrong with opening a new credit card just for the signing bonus, then never using it? Capital one offered me a credit card with a $500 cash bonus and 0% intro apr. BMO is offering a $350 bonus for $7,500 in direct deposits in the first 90 days. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more. It would take a lot to negatively affect the average age of credit and Amex only does one hard pull for your first credit card. Is it - While business credit card activity can impact your personal credit score through negative factors like late payments, it may not contribute positively to your personal credit history. I'm planning on making a large purchase from Best Buy soon and was planning on opening one of their credit cards to take advantage of their 10% back on the first purchase promotion. Whenever year 1 comes and the annual fee of card 1 hits. Credit Score: 770 Cards: CSP 08/2021 CIU 4/2023 Natural Spend: ~1500-2000/month. I’m thinking of applying for this so I can use that 200$ for some christmas shopping this year. I was approved assuming I was going to get the $200 cash bonus. Cards like the Citi Premier are only 60k TYP today when the all time high is 80k which is why it has been removed. as long as it's been 24 months since you last received the bonus (not signed up, when the sign up bonus posted to your account), and you do not currently hold a Southwest personal card, you should be alright. esp chase ink cash. I believe I was redirected to Savor One for Good Credit. Get app Get r/churning is about credit card and bank bonuses. Reply reply Top 1% Rank by size . But for most folks, the “rule” that I have heard and abide by is that to avoid any credit card negative impact, keep your card and pay the annual fee twice (aka for slightly over 1 DoC list cards with all time high offers. While these deals can be lucrative, you should consider your budget before signing up for a Credit card sign-up bonuses and welcome offers are the quickest and easiest way to rake in lots of points and miles, so we regularly update the roundup of our favorite current offers in our best credit cards guide. 12 Best Credit Card Sign-Up Bonuses ($200, $300, & $500) – Jan. This is totally unrelated to the Altitude Connect (and regular US Bank lineup) though. Log In / Sign Up; A United Heritage Credit Union is allowing Credit Card funding (CC funding) up to $5k There were issues with me receiving the text message with 6 digit code in chrome. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on As many of you know, CSP has a 10% annual bonus. 5%, 3%, & 4. Expand The branch offers are better if you aren’t in online multiplayer mode which you can utilize the referral bonuses which are worth more. Share Sort by: Best A subreddit for discussing credit cards. Making payments on time accounts for 35 percent of your credit score (the biggest part). (this last one A subreddit for discussing credit cards. You can make a few extra bucks doing this now and then. Here is the process assuming the card owner has credit that will qualify him or her for a new Sapphire SUB and it has been greater than 48 months since the last SUB, NOT CARD OPENING DATE! Call Chase and tell them you want to downgrade to original Chase Freedom Visa with Ultimate Rewards which is no longer available to new applicants. I travel a fair bit on standby so the cards that you can use for flights aren’t as tempting to me when 99% of my flights are free. You're mixing Dining rewards points with credit card sign up points. A sign up bonus from a Credit Card used to reduce you balance is considered a discount so NOT taxable. Anyone have experience? for those of us who have unused codes? For the recluses, and other people who have no one to refer, we can help! Reddit is a great big community so get money off your cable bill, get a free iPad, or whatever incentive you're offered. I don't think the interest rates are that different. Updated: January 2, 2025. If you apply and are approved for a new My Best Buy® Credit Card, your first day of purchases on the Credit Card using Standard Credit within the first 14 days of account opening will get an additional 2. I am not sure why they made this system. ) and wager every dollar you have in your account before the first draw you wagered on completes (or worst case, before any winnings from that first draw are You don't have to close the older accounts. if you open to chase ink cards, they would make for a great addition. These cards occasionally have higher SUBs for a limited time, so check for promotions before you use the default link on sites like doctor of credit. Credit card welcome bonus offers are a one-time bonus that you can receive when you open up the card. Each card has a stipulation as to how long, if at all, you can gain another bonus for the same product. I can see the charge on my credit card and hopefully it will go through. If your okay with with business cards (very easy to get approved for) the no AF chase inks are giving out 90k points for 6k spend in 3 months. r/churning would say the exact same thing. So you will be stuck paying a pesky 3% fee. I noticed today on chases website they offer a $150 Amazon gift card immediately upon approval plus 5% back on up to $2500 in spending during the first 3 months of account opening. Expand user menu Open settings menu. Today, after opening 4 cards in the last 2 years, my average age of accounts is still >5 years and my FICO is around 800. I switched to firefox and was approved and was surprised to see CC funding option. CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. So it's more like three years between awards if you consider the year you keep the card open (which you should). So for $125 per year I get 30 nights and a 35k voucher. I go to do that, but on the very last page under "Certifications" there's a section saying: 10) The new Cardmember bonus offer is only available if I do not have this card and have not received a new Cardmember bonus for this card in the past 24 months. BoA is offering a $200 cash reward after you spend at least $1000 in purchases within 90 days. Get app Get the Reddit app Log In Log in to Reddit. When you personally take advantage of a sign-up bonus for a new account (i. Offer expires: 10/04/2021 Credit Score: 827 Anything great for sign up bonuses lately? I’ve been looking to get a new card Bilt seems intriguing just because of the cashback on rent, but it has no sign up bonuses. The flowchart prioritizes your 5/24 status and whether you’re focusing on travel rewards or cash back. ” Honestly this wouldn’t be a problem if they would Open menu Open navigation Go to Reddit Home. I want to With a balance of $100k between all BoA and Merrill Edge accounts, I would get a . That is what I am trying to say. No need to do that for freedom cards because you can have more than one of them. Some people have DP saying that the brokerage account isn't sufficient; you'd need a "consumer credit card" specifically if you wanted a consumer checking account. So basically, plan your card opening around your spending, not the other way around. I'm considering applying for this card, and noticed on their website they're currently offering a $250 sign up bonus (after $500 spent in first 3 months). Members Online. Savor One for Good Credit does not get a Bonus. Credit card sign-up bonuses are also just about as attractive as Ok so your situation might be unique in that you haven’t had a credit card before. The Ulta card is something I would only recommend to makeup artists or makeup gurus that buy makeup in bulk regularly (at least 2x Hey everyone, I pre-approved for Capital One Quicksilver credit card with $300 bonus if I spend $500 in 3 months. Any similar rules with capital one? CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; Just like the title says. And most likely, you have to close the other card. After you meet the required spend, you can quit using the card. After that they don’t do hard pulls. snjblj rwid xkbsxj cqhdd jth fli hgek sfono izvrq cwr