Originally Posted by
Chris2013
Hello,
Looking for some input on my credit card strategy and perhaps some suggestions for new ones that would compliment my arsenal. A little about me....30 years old, married with a newborn daughter, dual six figure income, not necessarily interested in churning and burning but rather getting cards that offer a long term value proposition. We usually fly coach on either Delta or United when traveling for leisure however we often splurge on 4/5 star chain hotels located in the heart of the city (i.e. Four Seasons, Grand/Park Hyatt, St. Regis). We like to go on a "big" trip once a year and then a few smaller trips throughout the year (pre covid of course). Our nearest airport is Omaha, NE so loyalty to a singular airline doesn't make sense for us, we just book whatever offers the most convenient routing and best price or points offer. Right now here's what I have in my wallet:
You still haven't told us enough about yourself. What's very important: What exact cards have you applied for in the past 24 months (whether they're still open or now closed), and how long ago for each one?
In case you're not aware,
many banks are now implementing various "anti-churning" rules (which can affect "card collectors" as you say you are, not just true "churners"), and so based on the answers you may or may not be locked out of certain banks and/or may need to wait rather than jumping in now.