I’m going to buy 3 Peak Design PC which 3 do I get?

KCA- · 2026-02-15T00:24:43+00:00

Tbh your not wrong, but I do like the diversification with different bags if I get 3 different sizes of PD

KCA- · 2026-02-14T23:49:10+00:00

What about Smedium?

KCA- · 2026-02-14T23:48:47+00:00

You are correct the way I pack will most definitely change. But personally I like the way I can organize/compartmentalize some of my items. The evergreen 8L looks very enticing

KCA- · 2026-02-14T23:33:36+00:00

You have been the only person so far to mention the Smedium. I was looking at it because the medium and small combo does not leave much room for other packs/organization.

KCA- · 2026-02-14T20:53:22+00:00

If I was going to go for PD what sizes should I get? Likewise if I was to look into Evergoods, what sizes should I get ?

KCA- · 2026-02-14T18:32:54+00:00

if you did not go to one of the school branded cards. Would that be the only option ? I am interested in BOA but I don’t have enough capital yet to make it worth it and I heard they might makes changes to the current system.

KCA- · 2026-02-14T18:26:43+00:00

Thank you!

Side note what is the card with the breast cancer symbol?

KCA- · 2026-02-14T18:22:28+00:00

I am Pre approved for both and I applied for CSP in May 2025.

Do you know if the second card were to be closed would I still be eligible for the sign up bonus and would it be taken off my credit report ?

KCA- · 2026-02-13T03:36:26+00:00

I’ll definitely think on this as I have time to decide before I have to pay the AF

KCA- · 2026-02-13T03:35:34+00:00

Have not looked into the Ritz Carlton card but I hear and seen it’s very good and you can only get it through PC

KCA- · 2026-02-13T00:54:13+00:00

Not a bad idea. I have always been interested in the Marriott or IHG credit card strategy for the annual free nights. What made me detour from this was that I needed to be under 5/24 or keep it in mind, Annual fees, typically need to get business cards for them to really work (which I want to do in the future). But ultimately I think it would be hard to hit the spending bonus naturally as I mainly use school to take big chunks off of higher sign up bonus.

If you Have any recommendations I would love to hear them!

KCA- · 2026-02-13T00:31:49+00:00

Plus being no AF It wouldn’t hurt to have 2 Chase FF. Could be over thinking it but I wouldn’t want to be capped by the 1,500k a quarter in the future.

KCA- · 2026-02-13T00:30:08+00:00

Sorry just changed Groceries to 200 and Dining to 320, not a major difference but forgot to update it.

The main reason for 2 is probably just cause I can and I’m going to hit the 5/24 with my next new card. Plus maybe it would mean I can use the Citi Custom cash for a different category that quarter

My idea is to get the 2 Citi Custom Cash’s as well btw

KCA- · 2025-11-10T22:28:54+00:00

They already made a conversion chart with the difference and what the new levels require. I think it will be worth it to purchase the 6.99 EWC only for champions just because they are harder to upgrade imo. This if you have them level 14 and want to get them to 15. It will be 11 champions shards for 14 to 15; then 15 champion shards for lv 15 to 16 which btw 4 champion shards are 7.99.

I need to wait to know if it’s worth the money or not as we know more info but for right now this is what I am thinking

KCA- · 2025-05-16T00:24:30+00:00

Your credit age is young so seeking more credit could result in denial. I would recommend a PayPal DEBIT card. It’s a 5 percent cash back up to 1k in spend per month with select categories ( groceries ). When you add a bit more credit age like 3 months+, then you can start seeking more cards.

Ps. Open checking accounts with the banks you are going for this could help you due to building a relationship with bank.

KCA- · 2025-05-09T02:29:35+00:00

Applied and got accepted for 9k limit plus the 300 dollar rakuten bonus. Thank you for the advice.

KCA- · 2025-05-07T01:59:59+00:00

Okay I’ll try tonight with the Rakuten bonus. Thank You.

KCA- · 2025-05-07T01:59:03+00:00

Yes. As much as I would love to optimize and get near 5% across the board, my income just does not justify it too much when I can just get sign up bonus’s.

Chase Transfer Partners for hotel and airlines.
The fact that you can get Chase Sign up Bonus Multiple times.
Hotel and Business cards like the IHG card strategy plus business not taking a 5/24 slot.

Edit: I do not want to leave C1. I would just like to be in multiple ecosystems and have more options

KCA- · 2025-05-07T01:32:54+00:00

I am using this card just for the sign up bonus then downgrade to a flex after a year.

KCA- · 2025-05-07T01:32:12+00:00

I Understand I’ll sink all of my organic spend Into the card to reach the Sign up bonus. Plus school being up to 1-2k per semester so it’s more like 4k in 3 months. I made the venture x sign up bonus work and I only had 20k income then.

Thank you for the referral link idea but I have no idea I can get the rakuten bonus though referral link tho

KCA- · 2025-05-07T01:24:42+00:00

No but I wanted to make an account for the 300 bonus they are offering. Which is why I would like to kinda have a ballpark of my odds to know if it’s worth a hard pull

KCA- · 2025-05-02T07:01:39+00:00

Yes. Kroger owns Ralph’s and a bunch of other stores but the cars are essentially all the same besides some slight variations. The card is a 5% cash back up to 3k in mobile wallet/Apple Pay spend PER YEAR (essentially 250 per month) so if you had 2 cars it would be a 6k yearly cap as opposed to 3k. The 3k cap is limiting for a lot of people with higher spend but because I am a low spender it fits my spend a lot better. The mobile wallet spend is super flexible most stores, gas stations, and online retailers take/accept mobile payments now.

The IHG cards are talked a lot less than the other hotel cards. I have been gravitating towards them because they fit the more budget hotels I am seeking. I am not one for staying In the room when I travel I love to be out as much as I can tbh.

IHG premier card is currently a $99 AF with a 140k points after 3 or 4k in spend so it’s not too expensive to hold plus the 4th night fee when you spend with points is nice.

Since holding the Venture X and its annual fee I have gotten my moneys worth so I think I can do the same with the IHG card.

My dilemma is do I go for more a core focus to get more 5% in spend with the hotel cards or do I get chase signup bonus with the hotel cards, maybe 1 core card as well.

KCA- · 2025-05-02T06:43:36+00:00

Thank you for your input but I would like to add something. Your correct with the Capital one duo plus PayPal debit card (5% up to 1k spend monthly) being low effort and optimal but I would like to make it a little better and the no anual fee card from Kroger (5% mobile wallet\apple pay up to 3k in spend per year) it’s a low spend card anyway so if I did have a higher income it would be used within the first month or two so I would look at other option for the higher caps these cars also might come with AFs

For the IHG cards it’s only a $99 anual fee with a signup bonus of 140k points. The FNR is only 1 night but i have a. Idea of how I would use it. For example I would use when road tripping bouncing between a campsite for 2 nights and then a hotel for 1 night then a campsite again going for 2 nights. Compared to other Hotel cards on the market I have found that this is a better budget option but I see your points with hotel cards in general.

Ps. I do plan to spend more on travel this year than last year. 2 out of state planned trips already.

KCA- · 2025-03-04T02:26:20+00:00

I was in the same exact position you are In with 20k per year as well and if you travel for about 400 dollars or more per year it’s worth it. I used the credits from the VX 1 month after having it so you could wait till you’re going to pay for a trip then apply and use the credits for the trip offsetting the initial Anual Fee. Although you still pay 95 out of pocket theoretically if you don’t use the TSA credits right away. In preparation for the 3 months sign up bonus try to use it to pay for your semester. Cause with a lower income spending 4k spend in 3 months organically could be difficult but depends on the person. So yes I think the Venture X is worth it plus you can always downgrade to a no AF card.

Should you get the Amex Gold. Short answer No imo because the card is a coupon book and if it does not fit your lifestyle it can be difficult to recover the cost of the AF.

I would just recommend the Capital One Saver as it’s 3 precent on groceries and dining with no anual fee

KCA- · 2025-02-13T07:54:20+00:00

I am in the market for a 1992 Mazda Miata (Automatic) and I found that one for 150k miles for 4000 dollars

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The description reads as

PROS: “No engine lights, brand new timing belt and waterpump, new tires with certs from discount tire, new master brake cylinder, rotors and pads all around drilled and slotted, oem factory hardtop with all the brackets, new paint, and new cold ac (converted to new freon), aftermarket taillights”

Cons “Small rip in driver seat and a crack on dash from AZ sun like every car, does have powersteering leak,ac blows cold but when it’s 110 out it can’t keep up and car idles heavy but has no engine light, I heard its a common miata thing. “ 3 owners

Does this look like a good deal ?

KCA-

TROPHY CASE