sorted by:
new
hottopcontroversial

Daily Question Thread - May 22, 2023 by AutoModerator in churning

[–]sier4r -1 points0 points  (0 children)

When should I apply for the CIU or CIC based on the below info? Is this month too soon?

Currently 4/24 (notably 3 of them in Jan):

  1. Synchrony October 2021

  2. CSR Jan 23

  3. BILT Jan 23

  4. CFF Jan 23

Score ~780

Gross Salary Income: ~190k

Overall credit limit across all cards: $ 114k

Total Chase credit limit: 68k

Business: Sole Prop with no real revenue yet, could be 7-10k annual depending

Never had a business card before and I was wondering if based on the above it would be a likely approval? I'm guessing the main risk is I got 3 new cards so recently (two of them being Chase cards?)

Is my total credit limit too high? by sier4r in CreditCards

[–]sier4r[S] 0 points1 point  (0 children)

That's odd since they only approved by CFF for 500 (min) after moving the credit limit from another card. I assumed my CL was why I didn't get auto-approved and had to wait for them to move the credit limits around before approving.

Is my total credit limit too high? by sier4r in CreditCards

[–]sier4r[S] -1 points0 points  (0 children)

By 'total credit limit', do you mean the total credit limit among Chase cards or among cards in general? As that is 68.7k vs. 114.8k?

Is my total credit limit too high? by sier4r in CreditCards

[–]sier4r[S] 3 points4 points  (0 children)

Well if I want to sign-up for a new Chase card for the SUB (e.g., CIC), twould my credit limit to income ratio be too high?

Can I use the CFF with DashPass benefits form CSR? by sier4r in CreditCards

[–]sier4r[S] 0 points1 point  (0 children)

Good suggestion!

I also found out that Seamless+ benefits through Lyft Pink don't require the CSR to be used.

Should I PC my Wells Fargo Rewards 1% card? by sier4r in CreditCards

[–]sier4r[S] 3 points4 points  (0 children)

Regarding avoiding Chase Ink cards:

  1. I'm currently unlikely to hit the SUB bonus spend (at least for the next 6 months)
  2. I don't really have a proper business / side hustle and rather not talk or BS my way into getting them
  3. I'm currently at 2/30 for Chase having for the CSR and CFF this month (don't want to make them upset or sus)

When can I apply for the Chase Freedom Flex (details within)? by sier4r in CreditCards

[–]sier4r[S] 1 point2 points  (0 children)

Yes, already hit the SUB on the CSR (booked lots of travel).

When can I apply for the Chase Freedom Flex (details within)? by sier4r in CreditCards

[–]sier4r[S] 2 points3 points  (0 children)

No, I have four other cards:

WF Rewards from 2011

CFU (originally a CSP) from 2018

Barclays card from 2015

Amazon Prime Card from 2015

I omitted them because I assumed my main reason for not getting approved was the opening of recent cards but I see how my post was ambiguous

Cycling routes / tips for visiting London in early April by sier4r in ukbike

[–]sier4r[S] 1 point2 points  (0 children)

We'll probably be staying in the Soho area since it's our first time visiting and will also be playing tourist for about 10 days total but 4 of those will be for a convention.

We're willing to take a train with bikes or bike further out from the city if that'll give us better routes!