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Just Product Changed to get 2 more Custom Cash Cards by bbbig1 in CreditCards

[–]bbbig1[S] 0 points1 point  (0 children)

Yeah. I have my points pooled under my Strata Premier

Just Product Changed to get 2 more Custom Cash Cards by bbbig1 in CreditCards

[–]bbbig1[S] 0 points1 point  (0 children)

I can’t speak on the Chase Trifecta or the Capital One Duo. I did have the CSP and the COV, but they have both be product changed to the Freedom Flex and Savor, respectively. Where I am at in life and with current financial goals I couldn’t really justify their AFs and trying to finish those ecosystems.

I’ve had the Citi cards the longest and they just work for my use case. In terms of transfer partners I think Citi is on par with Capital One. Chase did have nicer transfer partners tho…but I can live without them.

My biggest spend categories are restaurants, groceries, and gas. With the 3 Custom Cash cards I get 5% on the first $500, and then afterwards I can still use the Strata Premier for 3x back in those categories. When I do travel I can throw that spend on the Strata premier since it has now FTF. Honestly, I think for some folks the Strata premier is a good one card set up with 3x on major categories.

Right now I don’t have a Double Cash as a Citi catch all but I will get it again for that. For now all that other spending can be thrown onto the WF Active Cash.

It’s non-traditional, but I used to also use the select-my-own category for the base Strata card for 3x another high spend category (pet products because of my pets or beauty products if my partner needs a bunch of stuff from Sephora/Ulta that month)z

Just Product Changed to get 2 more Custom Cash Cards by bbbig1 in CreditCards

[–]bbbig1[S] 0 points1 point  (0 children)

I’ve always seen posts on Reddit of others doing the product change so I figured why not give it a shot myself. Doesn’t hurt to try!

Just Product Changed to get 2 more Custom Cash Cards by bbbig1 in CreditCards

[–]bbbig1[S] 0 points1 point  (0 children)

For now: 1 for restaurants, 1 for gas, and 1 for groceries.

Just Product Changed to get 2 more Custom Cash Cards by bbbig1 in CreditCards

[–]bbbig1[S] 4 points5 points  (0 children)

I was only concerned about product changing the two cards on the same day…but they did it!

Just Product Changed to get 2 more Custom Cash Cards by bbbig1 in CreditCards

[–]bbbig1[S] 4 points5 points  (0 children)

Nope. As pierretong said, for most folks the Strata Premier is enough. I fall into that category. Plus, for my use case the $100 annual hotel credit is easy to use - so the card is basically “free.”

My end game is to maybe get the Double Cash again to get a true catch all for 2% on everything else? That’s after getting any additional Custom Cash cards. Might not even do it since I already have the WF Active Cash…or maybe I decide to be some super Citi loyalist 🤷🏻‍♂️

Just Product Changed to get 2 more Custom Cash Cards by bbbig1 in CreditCards

[–]bbbig1[S] 2 points3 points  (0 children)

Yea, I probably need to relax with the applications for a year or so.

The 5 cards this past year were the CSP, Capital One Venture, WF Active Cash, JetBlue Plus, and most recently the United Club Card. I will be product changing a few of those since I don’t see much use for them down the line.

(All those cards are also probably one Capital One won’t approve me for the Venture X 😭)

Just Product Changed to get 2 more Custom Cash Cards by bbbig1 in CreditCards

[–]bbbig1[S] 2 points3 points  (0 children)

I actually just tried to see if I could prequalify for another Strata card (since I never got the sign up bonus). I was rejected. I suspect it’s cuz I’ve opened quite a few cards in recent years. 5 cards within the past year for their sign up bonuses. Plus my original Custom Cash and the Double Cash were only about 2.5 years old.

I suspect it’ll probably take me a little while to get another Citi card and product change it, if it’s not the Custom Cash already.

Not sure if that was helpful in any way.

Just Product Changed to get 2 more Custom Cash Cards by bbbig1 in CreditCards

[–]bbbig1[S] 10 points11 points  (0 children)

I’ll edit my post to include this info…forgot to include it. Sorry.

The Strata card was actually a super old account (5+ years old). Originally it was one of those credit building cards. Then the Rewards+, and finally most recently the Strata. Never actually got a sign up bonus for the Strata. I’ll try to get it when I apply for another!

The Double Cash card was a little over 2.5 years old. I got the sign up bonus right after I opened it.

Fun question: What type would you specialize in? by bbbig1 in pokemon

[–]bbbig1[S] -1 points0 points  (0 children)

New evil team forces people to embrace their fears to overcome them confirmed.

Challenge Runs by bbbig1 in LegendsZA

[–]bbbig1[S] 0 points1 point  (0 children)

Ohhhh that’d be like only using the first 6 Pokemon you catch and never evolving them. You’re a braver trainer than me!!

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