Originally Posted by
cce5858
Why are you still holding onto the CSR? I cancelled that after the 100k, and my banker stopped giving me annual fee credits after the second year. I also applied for a second JPMR 50k in 2017, this one with a much higher credit limit than the 80k on my first one. I noticed that it greatly increased my EXP Fico to near 840, since with the 2 trade lines not showing my utilization is basically zero every month. Its silly how I cannot get approved for a United Explorer card but can for the JPMR. And one thing I noticed is that unlike Amex, where all my cards have a Member Since 2013 regardless of when I got them, one of my Reserve cards shows 2016 and one is 2017, not sure if this is a glitch. And regarding Priority Pass, I only have one for both Reserve cards, did you get two?
Those are so minor and I do not think many people would care. Not much difference between FICO 800 vs 840. As to the "member since", no meaning at all. For priority pass, I get 5 from my premium cards. But I only need one.....