FlyerTalk Forums - View Single Post - How should I plan and strategize this?
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Old Jun 15, 2013 | 3:04 pm
  #7  
Idontliketheyankees
 
Join Date: Jan 2013
Location: North Los Angeles County
Programs: AMEX MR, Delta Skymiles, AAdvantage, SW RR.
Posts: 12
Skitch- After I pay my phone bills (it's my major one @105$) I can spend about 5-600 a month (it depends on my tips, but it is going to be starting to get busier, so that will lead me to get higher=more spending. I put 12k as a conservative figure as that is what my income is around, but it depends as I said on my tips and hours worked.). I've never had any issue in paying my cards off in full right before the statement date, and I always leave anywhere from 1-3% of a balance when applying for a card. I pay for school, and my tuition is about 46$ a unit, so about 3 units is 138 (X3 for the other classes and it equates to 414$+ Parking permit+books+other misc fees, and it gets to up 800$ easily.) I was actually thinking that If I apply for the AA card and get approved, I won't be planning to app for anything else, but If I don't get approved for it, then I'll aim for the Southwest card, and the BCE. I can easily reach the spend as I run quite a bit for my income (I run easily 500-600 through my cards) and at times I will use my cards for some of the stuff that my parents need to buy like tickets for a show or any household things and then they reimburse me back a week or two later, and so far no issue. I was also looking at the get the BCE because I drive quite a bit and my truck eats gas pretty quick so I think this would be a good alternative to my Cash Rewards card. Once I graduate from school in a couple of years and my income is higher and I've got less inquiries, I'll app for the SPG and the CSP, but right now, I don't think they would do me much good. My key question is, based on the stats I provided, do I have any chance of approval?

Shaudius- The only thing is, I already have cards that give me gas/grocery, which is why I wanted to add an airline card to start earning points/miles for future trips and such. I mean I've got the Cash Rewards (Gas) Forward (Food, Cell phone bill, movies.) More (Rotating categories.) PRG (large purchases and purchase protection, and on occasion Gas and groceries.) Freedom (rotating categories/ large purchases), so I'd like to add a travel card for future trips and such. For Sallie Mae, do you need to have a student loan account through them? I don't have any student loans since I pay out of pocket every semester, and never needed to take the loans. I'll look into the Southwest card, since I can reach the spend rather easily and don't have a problem with paying the annual fee. I do fly typically 3-4 times a year. I also like the Penfed Travel Rewards card, but I'm not a member, and I hear there requirements are quite high to receive anyone of their credit products. I don't think I would be approved for them just yet, maybe in a couple of years....
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