Originally Posted by
wiivile
Seems like a lot of hard pulls, no?
You think 1 hard inquiry per year is a lot? If you follow the strategy I outlined you will net 140,000 UR points (easily worth $3,000+ if redeemed properly) over 3 years, in exchange for a 3-5 ding point on your FICO. No brainer. (This all assumes these offers will still be around of course.)
Originally Posted by
wiivile
Would it be possible for me to cancel the CSP after one year but transfer the credit line to my Freedom (that way even though I am cancelling the card I can maintain the credit line to keep a good utilization rate)?
Why not just downgrade the CSP to a CS? You maintain the credit line, improve your AAoA in the long-run, and still have a 2x dining UR card.