Hi again flyertalk members, it has been awhile since my last post here.
Things have changed, and I need some new advice. Here are the highlights of my previous post for reference:
Originally Posted by
pushthelimit
Hi, new member here. Just wanted some expert advice since I am new to this game.
Background info: Got my first secured credit card at 18 in 2008. My creditkarma score is at 770-780, and didn't seem to be affected at all since my apporama(says I have only 2 hard credit pulls?) I'm single, male, 23 with a stable job and have no trouble at all hitting ANY spend requirement for any cards. Do not plan on making any major purchases anytime soon, (other than a used car with no financing)
My first ever app-o-rama was done over the span of about one month(July 2013), and consisted of:
CSP
Chase Marriott (instant)
Chase Priority Club (instant)
Citibank Gold (instant)
Citibank Plat (instant)
Barclays Arrival (denied: already sufficient credit)
My goals are mainly AA miles, SW rapid rewards points, and UR points. I do travel to Vegas 2-3x a year, and the main reasons for the hotel cards are to get free stays on the strip.
Thank you for all your help.
Since the time of my last post, I've applied only for my 3rd allowable citi card (sometime in october), the AA business gold. I also closed my barclays NFL (see previous Barclays denial)and SW business (annual fee hit).
Here is my new list of current cards:
Chase Freedom (Mastercard!)
CS
CSP
Southwest plus personal
Amex Blue Student
Chase Marriott
Chase Priority Club
Citibank AA Gold
Citibank AA Plat
Citibank AA Business
Nordstrom Bank CC
My miles and points are as follows:
Chase UR: 60k
Southwest: 40k
American Airlines: 135k
Marriot: 70k
Priority Club: 5k
HHonors: 10k
I can hit any spend required up to about $5000 a month including manufactured spend.
My goals are to maximize my points, cash back and miles earned. I don't really have any solid travel plans at this point. The only place I know I'll travel to 2-3 times this year is Vegas. I don't generally use my points there.
Here is list of cards I want, from most wanted to least wanted:
Capital One Venture: spend $3000 in 3 months to get $500 in travel or GC
Barclay Arrival: spend $1000 in 1 month to get $400 in travel
Barclay Frontier Airlines: $500 spend for 40000 miles
(Will they approve both barclay cards due to my history with them? NFL card for $400 after 1k spend, then never used again and closed in Q4 2013)
Chase Freedom Visa: spend $500 to get $200 (Iffy, I have the Freedom Mastercard and I really think I've maxed out how many Chase cards they'll give me. Also deal is expired.)
Ink Bold: spend $5000 in 5 months to get 50k UR
(Maybe?)
Amex SPG: Spend $5000 in 6 months for 25k points
What else do you guys recommend? Should I lay off Chase this time around?
Amex?? (They have high annual fees and often not waived.)
I am trying to avoid annual fees (unless it is worth it ex: CSP, Priority club) and financial reviews.
Thanks!