@mike2200: My goal is saving points and miles for future vacation. I dont have any plan right now. I know miles and points are devaluation but I really dont have any plan right now. I just want to build my points and miles.
@arsenalman: my FICO scores from Equifax and Transunion are not posted yet. So I am not sure.
@TheMilesProfessor: thanks, I just make it order by bank.