Originally Posted by
goodeats21
Looking for some advice as I don't mess with my credit cards often at all.
I've had CSR for many years. $33k spend last year. ~$30k credit line.
Also have United Quest and Marriott Boundless with Chase. I have Amex Schwab Plat, which I will be keeping.
I can't justify keeping the CSR with the increased annual fee. The CSR "Coupons" are very hard to use for me, especially when compared to Amex Plat.
I have already transferred out bulk of my UR points to United, which is my typical use of UR points.
CSP looks interesting for the 3x dining and 2x all travel, with the much more reasonable $95 AF.
Am I correct that since I already hold CSR, I cannot apply for CSP and get the signup bonus? If so, I guess the smart plan is to product change, to keep the credit history intact?
I am nowhere close to 5/24 and I don't plan on any other credit cards moves in the near future.
Thoughts? Am I missing anything?
i could write a book on ur inquiry. but since u dont play the game its difficult to deep dive.
if you really don't want CSR, just PC. maybe freedom flex. its dining this Qtr. 5x (1+4). but base dining is already at 3x (1+2). so now its 7x total since base 1x included for both multipliers.
then apply for CSP for SUB. sounds like ur 0/24? then i prob dont need to ask about ur stats. prob instant approval.
go read this:
http://www.doctorofcredit.com/memo-c...hire-preferred