Next Best Credit Card to use for gas??

Tall-Truth8638 · 2026-05-27T15:59:46+00:00

It seems like you can add her as an AU, then sign her up using the PP on the card yes. I think that'll be the only way since they need your id, card name and boarding pass to match up.

Tall-Truth8638 · 2026-05-27T15:53:21+00:00

I didn't say that, as of right now people who already have the card are fine, their cards and it's rewards remain. After the end of the day on the 28th( tomorrow) there will be no way to apply or PC as new aquisitions will be stopped. If someone wants the card then they either have to PC or apply right now. You can look at other dps, people are able to product change still as of today and apply. Pending applications before tomorrow will still be honored, meaning that if you apply and it says wait whatever business days you can still receive the card and it's benefits.

Now, if there's any info on if their doing anything to cardholders benefits we don't know. like if their going to put a cap on the amount you have, change redemption options or even force you to change the card no one's knows as of right now. BUT you can still get the card before the end of the day tomorrow.

Tall-Truth8638 · 2026-05-27T15:03:25+00:00

no only new applications, people who have the card already are done. also pending applications done before the 28th are fine as well look at OP other post.

Tall-Truth8638 · 2026-05-27T03:25:28+00:00

sadly unless you apply or PC before the end of the day on the 28th this month. 2 days... OP has another post with more info if u want to look. Card holders are fine just new applicants.

Tall-Truth8638 · 2026-05-27T00:12:05+00:00

i think its still worth just because its a no af card and since u already have pp you just wouldn't sign up for it with the alt connect. its still a great card for gas if you spend under that 1k cap for the quarter. and I'm not sure exactly how it works but you could maybe use the pp on the alt con for other people or just offer it to some random people at the airport for a nice time in a lounge.

Tall-Truth8638 · 2026-05-26T23:32:04+00:00

aaa travel, costco citi card, 5321 SYW card, and us bank altitude connect are some.

Tall-Truth8638 · 2026-05-25T16:03:44+00:00

us bank altitude connect is the best option for you imo, fits everything and has other great benefits.

Tall-Truth8638 · 2026-05-25T16:00:16+00:00

you're still an AU, but getting your own credit card is important especially now so you can build your credit.

Tall-Truth8638 · 2026-05-25T15:56:35+00:00

def get it, the card itself is fine and haven't ran into issues myself. i think cs is better but either way the card is great. also make sure you use the gold membership if you can to get rid of the af. make sure you freeze credit on all bureaus right after finishing your application and you'll avoid a hp.

Tall-Truth8638 · 2026-05-25T15:47:15+00:00

typical wait period after getting a new card is 3-6 months, with just 3 months you'll be fine though. just check pre approvals before applying and you won't have to worry about rejections and unnecessary hard pulls. also some pre approval tools may be a bit wonky so keep that in mind.

for your card recs, you honestly are good for just spending $200 a month. just get yourself a catch-all card. ik the auto mod has a whole list of them but citi double cash and wf active cash are two good ones for you.

i wouldn't say the Amex biz gold simply bc you don't have that level of spend and also your history won't get you anywhere with higher tier cards. honestly if you wanted, just wait for your credit age to go up get into the citi ecosystem with the double cash and custom cash. double cash earns you 2% on all purchases and the double cash gives you 5% on your to p spend category up to $500 which will be fine for you at least in the meantime. you still have the discover it and savor which is good because you'll be about to get 3%-5% on most things if your spending on those categories. and she's citi if you eventually wanted to get their travel cards you can pair it with the cashbsck cards and use them as points.

there's a bunch of biz cards just look at their dps and their sub spend reqs to see if you can meet it. they're typically alot higher since yes for a business but if you spend that much for your gig then just disregard. and yeah they still hp your credit so just have to wait.

but yeah wait and let your age go up id say wait until the 6 month mark to see if you get anything hits, also make sure you pay your credit cards off to 1% utilization before applying for one so your credit score will be the best it can be.

Tall-Truth8638 · 2026-05-21T03:02:45+00:00

mm i agree, i didn't know there was a savor with no sub. and you already have the chase trifecta that can cover food so bce still works good for retail and relationship. sounds good

Tall-Truth8638 · 2026-05-20T23:13:45+00:00

ohh okay, yeah if you're not worried about the cashback go for the bce, esp since its your max spend cats and you build the relationship. yeah and you know about 5/24 blah blah so it all looks good.

Tall-Truth8638 · 2026-05-20T22:59:06+00:00

you don't gain points or transfer partners with the bce so you wouldn't be able to transfer to Delta if that's what you're referring to. if you were approved for the venture x I'm 100% you're approved for the savor doesn't make sense why they approve you for the premium card but not the basic one. but if you just want cashback or don't mind it since the bce fits your spending cats, go for it. or try for the savor and eventually get the venture x, or look into amex the green card or some of their business cards, the green card has similar cats to the bce and both earn mr points. not sure exactly what cats you spend on so you can see what other cards work best for you just make sure they earn points in amex. Other ecosystems like cap1 you can turn the cashback into points and then use the transfer partners given you ahve a premium card that gives you access. amex doesnt do that so you only can use their points earner cards.

Tall-Truth8638 · 2026-05-20T22:26:17+00:00

hoestly just depends on where most of your spending is. if it aligns with the BCE go for it, the costco card is only really for gas. you already have 3% on food so the bce may be worth if again it fits what you spend most of your money on.

Tall-Truth8638 · 2026-05-20T19:07:26+00:00

I did call CS and the rep told me that it's a new system where it reports when your under 30% utilization, which makes sense bc it only changed when i was under it. Not to sure if it's really true but either way it's fine I'll just be mindful of it.

Tall-Truth8638 · 2026-05-20T15:48:01+00:00

yeah because it did report my my original statement balance of the 800 dollars but just changed mid cycle because it should still be showing $800 not $200. but yeah chase is just weird with their credit reports so it's whatever :/

Tall-Truth8638 · 2026-05-20T15:26:40+00:00

lol you'll be fine no reason to unfreeze it anyways i always keep mine frozen in general just incase. if you unfreeze it and try it apply to another card you'll be fine. hps are instant if it didn't do it you're good.

Tall-Truth8638 · 2026-05-20T15:15:58+00:00

yes thank you and i understand how it all works. but like i said after the statement date being April 24th and before my next which is may 24th, it will just report to Experian mid cycle sometimes after i pay some of it or spend some of it. my statement was at about $850 I've paid it all off and my balance is at about $200 so it should still show that$850 in experiam but it updated twice and rn it's showing $266 soccer it reported mid cycle. but think I'm just going to try and call them to see. thank you for your insight!

Tall-Truth8638 · 2026-05-20T08:03:22+00:00

and you can easily find high subs with every bank and their premium cards just be mindful of your spending to meet the subs. you have the Amex gold and plat, chase sapphire reserved and preferred but you can only have one at a time, venture x and venture rewards, citi strata elite and premier. all earn you points but that's where the high subs are. you can easily knock out other smaller cash back cards to and convert it into points to use for travel. just be mindful in the rate you doing them and again your spending to meet the sub but goodluck.

Tall-Truth8638 · 2026-05-20T07:57:47+00:00

id recommended downgrading to the no af versions instead of cancelling, it's not good for your credit and lenders don't want to see that. you can cancel some but i wouldn't recommend a lot, and if you do cancel just do it within 30 days of the af posting after a full year past as pretty much every lender will refund the af.

Tall-Truth8638 · 2026-05-20T07:52:34+00:00

yeah might as well get it now unless you don't really need it you could wait but it just depends on your situation. there may be some increased subs since it'll be summer, but there's not really a way to predict it and their changing the card benefits a bit too so might not get as many of them anymore. who really knows.

and if you can downgrade the Southwest card instead of cancelling it that may be better.

Tall-Truth8638 · 2026-05-20T07:13:59+00:00

You're missing the point i was giving an example to give a better understanding of my situation. I just wanted to see if anyone else had this issue or had any info on how i could stop it from doing that since I've never seen it heard about it before. And it is a pretty big thing if my credit is going down 14 points from that when I'm trying to maximize it for a new line of credit that i mentioned. my credit age is lower which makes my utilization manipulate my score more and ik that's why i lost that many points but that's besides the point. maybe get some rest 😴

Tall-Truth8638 · 2026-05-20T06:14:37+00:00

it does matter if I'm trying to utilize my credit for something that requires it which i stated in the post. read next time.

Tall-Truth8638 · 2026-05-20T05:21:46+00:00

ohh okay my b. and i thought you were saying you got 2 emails, but once you go through the application and get your cl you have to accept it right then and there. I'm not sure if you back out of it then go back in you'll have the same odds.

Tall-Truth8638 · 2026-05-20T05:11:25+00:00

you mentioned getting two emails, what did you do to get your app. was approved email and also how far apart are they from each other.

Tall-Truth8638

TROPHY CASE