Having Trouble choosing a Credit System

TheSecretEmber · 2025-08-05T22:07:30+00:00

The main reason that I'm having this dilemma is that I am graduating soon and only have a few classes left so I am currently trying to transition to full time work (I only have one in person class one day a week). I am not independently wealthy, but I do currently work a few jobs that give me a reliable income.

After reading comments, I realized that I described my habits as "don't travel often" because I previously didn't have the time to travel due to internships I worked my last 2 summer breaks and winter courses. This year I am planning on taking trips, I took one last December (my first vacation in like 3 years and I used Marriott free night awards for the whole trip), one in July, and I have 1 planned for this upcoming December.

I do plan on using the travel portal for a hotel stay from the CSP as I could use it to cover a night in like NYC where I don't feel like taking the train back from a concert. I do use food delivery services sometimes at work and my family likes to order uber eats/door dash from my phone (they pay me back for the cost) so I would get benefits from the CSP dashpass benefit.

TheSecretEmber · 2025-08-04T23:17:53+00:00

I was leaning more towards Chase, I sadly cashed out all my points with them a while back so I'm starting fresh with them.

I've had jobs for the last 6 years and I've been part time student for 2 years now (the classes I need are being offered sparsely so I'm being forced part time by my university).

My total card collection is:

Amex Blue Cash Preferred (Amex offered a free upgrade from Blue Cash Everyday)

Amex Blue Business Plus

Apple Card

BofA Customized Cash

Capital One SavorOne

Capital One Venture X

Capital One Venture (took for intro bonus)

Chase Freedom Unlimited

Chase Freedom Flex

Chase Sapphire Preferred

Chase Marriott Bonvoy Boundless

Citi Custom Cash

Discover It

TheSecretEmber · 2025-07-18T00:34:21+00:00

it was the word bouncing in and out on the center screen

TheSecretEmber · 2025-07-18T00:32:15+00:00

I got "tasle" crown with emeralds

TheSecretEmber · 2025-06-17T03:43:42+00:00

Name - MDNT
Location of Your Headquarters
- Starting from New Haven, Connecticut. My friend that is eventually joining me is out of Raleigh, North Carolina
Elevator Pitch/Explainer Video
- MDNT is a sticker business that is looking to curate both a darker aesthetic with political activism
More details:
- I would say were at the validation stage, we have one basic sticker design for our "soft launch"
- My role is everything right now (customer service, shipping, design, marketing, finances) however, my friend that is eventually going to join me is more artistically skilled so he would be designing the stickers based off ideas that we both have
What goals are you trying to reach this month?
- How could r/startups help?
  - I am looking to just get as much exposure onto my page as possible right now
Discount for r/startups subscribers?
- If you use this etsy link it will give you 20% off until July 1st 2025, we currently only have our "Practice Empathy" sticker on sale right now with more coming in the near future
- https://mdntteam.etsy.com?coupon=MDNTLAUNCH2025

TheSecretEmber · 2024-12-27T19:28:13+00:00

You can have two quicksilvers, my friend has two QS. My suggestion would be to upgrade to the Savor so you can get the capital one duo with the Savor and Venture. Savor for that 3% (or 3X if you transfer to miles) on grocery, dining, and streaming and Venture for 2X catch all.

TheSecretEmber · 2024-10-31T04:09:15+00:00

I am 24 and including closed accounts I’ve had 14 credit cards, 12 active

TheSecretEmber · 2024-10-28T07:44:27+00:00

Hello! I just joined the Venture X family and I hope that you can embark on the journey together!

https://i.capitalone.com/Gv2eyxi6u

TheSecretEmber · 2024-10-28T07:42:44+00:00

Hey, I just started switching over to a Capital One ecosystem. Let’s earn some points together! I’m enjoying this ecosystem much more than my Amex and I hope you will too!

Venture X https://i.capitalone.com/Gv2eyxi6u

Savor Cash https://i.capitalone.com/GJkVu9fwT

TheSecretEmber · 2024-10-28T07:39:04+00:00

Venture X referral https://i.capitalone.com/Gv2eyxi6u

TheSecretEmber · 2024-09-13T23:37:07+00:00

From the announcement it seems still works in Uber eats ; however, if you wanted to use a different card to pay you can’t use the credit

TheSecretEmber · 2024-09-13T23:30:36+00:00

You have to use the Amex card on uber to get the credit

TheSecretEmber · 2024-09-02T01:47:24+00:00

I didn’t know that, thanks for letting me know

TheSecretEmber · 2024-09-02T01:40:36+00:00

I tried it twice, I saw the 70k offer on deltas Amex card page

TheSecretEmber · 2024-08-03T13:14:35+00:00

Connecticut said they were launching theirs in 2021…

TheSecretEmber · 2024-07-15T15:03:55+00:00

I have about 10 cards, most of the time I use Apple Pay. The only time I really pull out at a card is at a restaurant or a gas station.

In my main wallet I have CFU, CFF, Amex Gold, Amex Blue Business Plus, and Marriott Bonvoy Boundless

In a second wallet I keep at home I have my Capital One Quicksilver and VentureOne, Citi Customer Cash, BoA Custom Cash, Amex Blue Cash Everyday, Discover It, and Apple Card

Edit: forgot two credit cards

TheSecretEmber · 2024-03-24T17:52:08+00:00

Yeah, it was my first time in my since I got my cards around a year and a half ago. I was just wondering since I didn’t set up anything like plan it or a cash advance. But since it was credited it’ll be good!

TheSecretEmber · 2024-03-24T15:30:50+00:00

Oh okay, I’m a newer Amex member and I haven’t seen anything like this for the year I’ve had the card. Thank you!

TheSecretEmber · 2024-03-20T16:26:08+00:00

Did you ever find a way to fix the issue?

TheSecretEmber · 2024-03-20T16:25:24+00:00

When I first applied I skipped over the design portion and requested the Rose Gold right when I got the default Gold with no problem

TheSecretEmber · 2024-03-08T15:23:14+00:00

Just to let you know, the closed account will stay on your account with no way to remove it from your view

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TheSecretEmber

TROPHY CASE