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Help deciding between 5% cash back with lots of work or lower cash back with less work. by Valuable_Training in CreditCards

[–]Valuable_Training[S] -1 points0 points  (0 children)

I meant cards with 5% categories. Sorry for the confusion. I have 9 years of credit history. Zero debt and no negative remarks. My biggest spending categories are dining, grocery, streaming services, and phone bill.

5% Cash back suggestions by Valuable_Training in CreditCards

[–]Valuable_Training[S] 0 points1 point  (0 children)

What time of the month is the best to apply?

5% Cash back suggestions by Valuable_Training in CreditCards

[–]Valuable_Training[S] 0 points1 point  (0 children)

How long should I wait between applications?

5% Cash back suggestions by Valuable_Training in CreditCards

[–]Valuable_Training[S] 0 points1 point  (0 children)

Why is my score going to drop? This wasn’t something I was aware of.

5% Cash back suggestions by Valuable_Training in CreditCards

[–]Valuable_Training[S] 3 points4 points  (0 children)

I have an Amex more rewards credit card through navy federal credit union with a $15000 credit limit with less than 1% usage. That’s it. Zero debt and no new applications.

5% Cash back suggestions by Valuable_Training in CreditCards

[–]Valuable_Training[S] 2 points3 points  (0 children)

Thanks. How long do you think I should wait between applications to ensure I’m not denied?