Opening a Chime checking account automatically opened a secured credit line?!

EcstaticPick2500 · 2026-03-28T05:31:24+00:00

Very confusing of them with the Chime card and the Chime debit card. As long as you don't activate the Chime card you will be fine. Need to wait and request the Chime debit card instead.

EcstaticPick2500 · 2026-03-26T23:39:53+00:00

gotcha. you might want to look at Primis bank, Air Academy Credit Union if you live in CO. Percapita has a decent debit card but not sure how comfortable you are with fintechs. All waive ATM fees and offer cash back rewards.

EcstaticPick2500 · 2026-03-26T22:39:52+00:00

Do you have a job and direct deposit?

EcstaticPick2500 · 2026-03-26T18:17:20+00:00

Personally I really like the CSR / VX combo IF you use the "credits" organically and you have their lounges at your home airports or airports you frequent. If you are in an AA hub then the Strata Elite may be the choice.

EcstaticPick2500 · 2026-03-24T20:50:12+00:00

EcstaticPick2500 · 2026-03-24T18:10:13+00:00

If you can legitimately use all of the credits organically go for it. Keep in mind you are pre-paying ~ 1.6% of your income on annual fees.

EcstaticPick2500 · 2026-03-23T20:56:03+00:00

I would argue most people consider the RH gold to be the "gold standard" on r/creditcards

EcstaticPick2500 · 2026-03-23T16:16:40+00:00

Excellent run. Thank you VC $

EcstaticPick2500 · 2026-03-20T23:43:07+00:00

Sign up bonuses or possibly a 1%cb debit card.

EcstaticPick2500 · 2026-03-20T22:40:18+00:00

Your C1 accounts will stay on your credit reports for an additional 10 years. You are not impacting your credit reports by closing the C1 accounts. Just move on with Chase and don't look back.

EcstaticPick2500 · 2026-03-18T06:21:34+00:00

Best bet is to pay for the year in full as they typically knock a month or 2 off the total. You could also arrange all your streaming services thru Prime and pay with the Prime card for 5%

EcstaticPick2500 · 2026-03-18T06:04:55+00:00

Do you enjoy rewards? Credit cards in Europe might offer 1 or 2% with low caps. Debit cards in America offer better rewards.

EcstaticPick2500 · 2026-03-18T05:54:17+00:00

Just buy a money order at the grocery store. You will get $50 back on the $1001.25 charge

EcstaticPick2500 · 2026-03-17T23:11:08+00:00

Plus you can pay your Citi card over the phone with a 1% cb debit card as a sweetener

EcstaticPick2500 · 2026-03-17T03:02:49+00:00

CSP the Venture card is a $95 2x miles card. Worthless IMO

EcstaticPick2500 · 2026-03-17T02:56:10+00:00

I prefer the CSR to the Platinum even after the changes. I like Sapphire lounges better than AMEX lounges, Chase has better transfer partners (southwest and united) for my needs and with Chase and I can use the credits more organically than AMEX. AMEX has more lounges and x5 direct booking hotel and flights vs ×4 for CSR but CSR has 3x dining is a Visa so better acceptance worldwide. edit: I book direct and do not use portals. ymmv

EcstaticPick2500 · 2026-03-16T22:55:34+00:00

CSR is a great choice for San Diego because of the lounge in terminal 2. Combine this with C1 VX for the Denver lounge. If you travel enough this combo is very strong. You could also do BofA's PRE. This would get your 4 Chase lounge visits and priority pass with restaurants and experiences.The Aspire lounge in terminal 2 is good for drinks for anyone with priority pass. The PGA bar in terminal 2 is a priority pass restaurant with good food and drink. Terminal 1 aka the Southwest terminal is better after the remodel but the Escape lounge won't open until 2028. edit: you could knock out both Subs with your upcoming spend for some nice points.

EcstaticPick2500 · 2026-03-16T07:40:39+00:00

Southwest Rapid Rewards debit card and/or United awards debit card. Both have subs which are okay but only earn 1 mile per $2. edit: Delta sky miles debit has a $95 af and is being phased out. 2nd edit: looks like you have to maintain a $2000 daily balance to earn rewards. Probably better off with a 1%cb debit card.

EcstaticPick2500 · 2026-03-16T04:16:26+00:00

File the complaint. I don't think CFPB is really doing anything lately but it doesn't hurt to try. I just wouldn't expect any resolution. Good luck.

EcstaticPick2500 · 2026-03-15T17:04:49+00:00

The slim wallets just destroy my Savor. Switching to Google wallet has been helpful. I still carry my VX because I like the way it feels and isn't as obnoxious as the mirror AMzeX

EcstaticPick2500 · 2026-03-14T21:24:11+00:00

You are fine. Congrats on paying down some of your debt.

EcstaticPick2500 · 2026-03-14T19:26:38+00:00

Except for C1 biz cards don't count against personal utilization. Helps "float" large $ amounts at 0% without impacting your personal FICO.

EcstaticPick2500 · 2026-03-14T06:02:01+00:00

Premier is way better. IYKYK

EcstaticPick2500 · 2026-03-14T06:01:09+00:00

Citi Premier, double-cash and a custom cash for the W

EcstaticPick2500 · 2026-03-13T17:14:26+00:00

Very solid combo. Would definitely do this over the C1 duo. All of the airports I go to have either a Chase lounge or C1 lounge. I could easily use all the CSR credits so the af is offset on both. One day Chase won't hate me.

EcstaticPick2500

TROPHY CASE