Originally Posted by
pallhedge
... and leave your $300 travel credit that would reset in December on the table? That would be unfortunate.
But I can only get that $300 credit in December if I pay for another AF in October. And I don't want to do that because in my case it's $450+75=$525 because my wife is an AU, which she needs to be since she's a traveling sales rep who puts a ton of travel and dining spend (OPM) on the card, whereas I don't. (Yes, in hindsight it would've made more sense for her to be the cardholder.)
I should note that I have an Ink Preferred card. I could make her an AU on that to get the 3x for travel. She has a CFU, so she can get 3x on dining.
Applying for 2 cards on the same day has been high risk for card closure by Chase even after approval. Please wait until at least the day after.
Yeah, I've heard that, but I also heard that same-day applications generate only one hard pull. Still, you make a good point. A shutdown is way worse than an extra hard pull.
Originally Posted by
sdsearch
And if your Freedom card is 6 years old, you wouldn't fall into the 24 month rule anyway even if that was an issue.
True but I already have five Chase cards and I don't need a CF if I'm applying for a CFF.
OK, now that you've thoroughly confused me
here's my new plan:
- Today: Cancel my CF
- Sept 15: Apply for CFF
- October: Cancel CSR
- October: Add wife as AU on my INK
- December/January: Apply for CSP