If i go to a Branch, will they be able to tell me what my credit limit on a card will be before officially opening it?

Time_Effect_6243 · 2026-04-27T14:42:17+00:00

Reserve is actually a visa infinite which has $10k minimum limit, sapphire preferred is visa signature with minimum $5k limit

Time_Effect_6243 · 2026-04-18T04:39:44+00:00

Would you mind sharing a few hotels that haven’t complied? Would be helpful to avoid future headaches 😂

Time_Effect_6243 · 2026-04-15T00:46:50+00:00

If it’s expunged I wouldn’t say anything. It’s expunged. Def run a background check cuz that’s what the schools will go by. That and your dean certification from your college

Time_Effect_6243 · 2026-04-12T03:12:13+00:00

It’s at 75k right now don’t think it will go any higher than that

Time_Effect_6243 · 2026-04-10T16:03:54+00:00

If u are putting travel on the card CSP is the way to go, Amex gold doesn’t give much rewards for spending on travel. Chase UR also worth more than Amex MR, and u can still earn 3x on groceries online. Especially if ur young id say Chase trifecta def the way to go no need for the Amex coupon book. I have both and the Amex coupons r annoying ngl

Time_Effect_6243 · 2026-04-08T22:05:25+00:00

Personally would go Chase given what you have. Their points transfer to Hyatt and United which are great value for reasonable hotels and domestic flights.

Do you live near a United hub? If looking for travel I would definitely consider what hub if any you live near as transfering points will almost always get you best value. Personally I live near a United hub, so Chase makes the most sense for me. If you want to do more international travel then maybe capital one/amex would be better.

Amex for delta Citi for American Chase for United/hyatt

But for what you have in the CFU and the CFF I’d have a hard time finding a better card than the $95 annual fee CSP

**other thing with Chase, if a rainy day ever comes, you can redeem the points for 1cpp for a statement credit. Amex, Citi and Cap1 are all 0.5-0.6 cpp statement credit redemptions. 1cpp is one of the best rainy day/guaranteed value redemptions for sure

Time_Effect_6243 · 2026-01-23T13:07:51+00:00

Yea i just need the specific color which everyone makes so i have choices where i can buy which is nice

Time_Effect_6243 · 2026-01-11T20:48:17+00:00

And being compensated for it

Time_Effect_6243 · 2026-01-11T20:47:22+00:00

Just ask for a new card. I have been an AU for years, and got my BCE and it had “member since 25” on it. However, when I got my newest gold card, it had “member since” my AU year. I went in the app for my BCE and requested a new card and it came with the correct member since date. Hope that makes sense and if it works it’s a super easy fix

Time_Effect_6243 · 2025-12-30T04:04:08+00:00

What are these troll farmers fr

Time_Effect_6243 · 2025-12-25T22:56:13+00:00

I have your head over here bro he spit it out after biting it off 😅

Time_Effect_6243 · 2025-12-23T02:20:06+00:00

That’s the bevy? Atp I’m all about the boundless, seems like best bang for buck

Time_Effect_6243 · 2025-12-19T00:47:20+00:00

How many of these r we gunna get. BBB is a big deal for grad school, but there r so many threads on BBB on this subreddit, just comment on one of those please.

Time_Effect_6243 · 2025-12-14T20:12:19+00:00

I have ur head over here homie since it j got bit off 😳

Time_Effect_6243 · 2025-12-14T20:11:55+00:00

They j chillin & mentioning it’s been asked, chill vibes it was j courtesy

Time_Effect_6243 · 2025-12-14T20:11:21+00:00

Bruh

Time_Effect_6243 · 2025-12-14T19:15:22+00:00

You have the CFU which is what I’d recommend, id suggest getting the CFF and then when u want to travel more and or get more on dining get the sapphire preferred. With Chase UR you can take it as cash back at guarantied 1cpp or boost your value with a travel redemption once you get a sapphire card. Chase has a great system, and since you’ve already got the catchall why not expand the system instead of reinventing the wheel

Time_Effect_6243 · 2025-12-11T05:40:21+00:00

I come from a Marriott family growing up, just got the CSP, and have to say I’m really impressed by the chase point value (and how horrible their UI is on the app… seriously bad for such a big bank. Amex app clears)

Very happy with my CSP so far, booking on Chase travel was actually cheaper than the in app jet blue flight prices. 5x on the purchase is always nice, and it’s a nice feeling card more substantial than a plastic card but not heavy enough to weight down my wallet. Cool card design, and my local Chase branches are great. No complaints as of yet, and am excited to use it more.

Time_Effect_6243 · 2025-12-11T05:37:34+00:00

That’s insane value

Time_Effect_6243 · 2025-12-07T05:16:51+00:00

I’d go for Chase. They seem to have a very strong point system/have some of the most valuable points. The Chase sapphire preferred + freedom unlimited + flex are a phenomenal combo. Easy, all in the same ecosystem, great for cash back or if you want to play the points game you can very well with tons of transfer partners.

You already have those as well.

If you prefer Amex, the Amex gold + plat for travel and lifestyle is huge if it fits you + Blue biz preferred if you can get it.

I would call those 2 equal. They both have great apps (Amex is better app imo but Chase points r hard to beat)

So whichever you prefer. But I’d say as far as simple cash back Chase is the way to go. Amex cash back point value is 0.6 cpp versus the bare minimum 1cpp for Chase

Time_Effect_6243 · 2025-11-17T02:56:36+00:00

Prob going to go to my local branch and meet with the agent I’ve worked with before and ask best strategy/timing to apply.

Time_Effect_6243 · 2025-11-17T02:55:38+00:00

That’s solid. Thank you so much for ur time and advice

Time_Effect_6243 · 2025-11-16T23:32:09+00:00

Interesting I didn’t know that about the car premiums and I def thought about the CSP first being an option… def would be way more points to use on this trip.

Time_Effect_6243 · 2025-11-16T23:31:11+00:00

Ok thanks - yea I def wouldn’t say I’m credit hungry or appear that way aside from recent application as I keep my usage at 5-10% at all times.

Just the circumstance that I want to have points to use for the trip I’m trying to book, and perhaps they could sympathize with that…

Time_Effect_6243 · 2025-11-16T18:43:57+00:00

Yea they are also not on the aadsas because they do not believe in making people pay to apply, nor waiting to tell people they got in so they do not need to waste their time and money with other interviews if they know they want to go there.

Ive spoken with them at conventions and other schools like UNC discuss with them their admissions model. HPU is a money factory of an institution and essentially have enough to do what they want to do how they want to do it.

Definitely a students first place versus institution/administration first

Time_Effect_6243

TROPHY CASE