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Diversifying portfolio
I`ve been a long time lurker planning for my first mini AOR. I`m probably going for just 2-3 cards due to my avg. account age and oldest account age.
This is my current status: Experian score - 749 Creditkarma - 759 Hard pulls - 4 in last 2 yrs. last one was 92 days ago Credit Cards: CSP - 9200$ Chase freedom - 8500$ BofA travel rewards - 3000$ Citi AA visa - 10k$ Citi AA amex - 10k$ Average account age - 10 months Oldest account age - 2yrs 6 months Current utilization rate - 7% I`m thinking about applying for a few of the following cards in my first round: 1. Amex Delta - 45k offer 2. Chase southwest premier- 50k offer 3. US Airways Premier - 50k offer 4. Amex SPG My goal is to diversify my portfolio and open lines of credit with different banks/issuers. AMEX being the priority. Please advise. Also, I`ve a lot of travel coming up in summer (domestic and international) |
Which airlines are you going to be traveling on this summer? Do you want to use points or is it being paid for by an employer? Do you just want miles, or are hotels of interest to you as well?
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My parents are visiting from India so I "might" use my miles for the international travel from DEL to NY. I found cheaper tickets without using miles so I`ll save these miles for there domestic travel. They`ll start from NY, and end there journey in SF covering Washington, Orlando, Vegas and LA. So any domestic airline should be fine. I`m just interested in using miles, dont need hotels. I can probably use one hotel card since I don`t have any.
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Amex Starwood is a good candidate, for both flights and hotels.
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If you are applying for southwest premier, apply for southwest business premier as well at the same time and get the SW companion pass.
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Unless you are looking at premium seating (Business or First class), paying for the ticket is cheaper than using miles for it.
If they are visiting so many cities, go to United.com (or kayak) and price the entire itinerary, it might be cheaper than using miles. I have family coming from India (end of May, leaving end of June or so) and here is their itinerary DEL->Chicago->LAS->SFO->LAX->EWR (Newark)->DEL and it came out to about 1550$. Just a round trip DEL-EWR-DEL will be close to $1200 or so.
Originally Posted by tosaket
(Post 20532003)
My parents are visiting from India so I "might" use my miles for the international travel from DEL to NY. I found cheaper tickets without using miles so I`ll save these miles for there domestic travel. They`ll start from NY, and end there journey in SF covering Washington, Orlando, Vegas and LA. So any domestic airline should be fine. I`m just interested in using miles, dont need hotels. I can probably use one hotel card since I don`t have any.
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Originally Posted by rambo
(Post 20536103)
Unless you are looking at premium seating (Business or First class), paying for the ticket is cheaper than using miles for it.
If they are visiting so many cities, go to United.com (or kayak) and price the entire itinerary, it might be cheaper than using miles. I have family coming from India (end of May, leaving end of June or so) and here is their itinerary DEL->Chicago->LAS->SFO->LAX->EWR (Newark)->DEL and it came out to about 1550$. Just a round trip DEL-EWR-DEL will be close to $1200 or so. |
Originally Posted by ayya
(Post 20533118)
If you are applying for southwest premier, apply for southwest business premier as well at the same time and get the SW companion pass.
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Another question I`ve is about the credit pulls if I apply for 2 Amex cards. 2 revolving /1 revolving and one charge. Would I get two hits or one? From what i`ve read, it seems like a YMMV
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