coolerscouter

This may be a silly question (and also five months after you commented above), but are you suggesting buying physical property or do you see other types of real estate investments to be the better way to go?

I will admit to not having looked in depth for a CU card, but I haven't seen cards that I can integrate into my spend (rather than just getting it to sock drawer).

I am very diversified and don't plan on opening anything else for awhile, but your points are very valid. Chase: Freedom, IHG (Legacy), IHG Premier, IHG Business Premier Citi: Costco, Double Cash, Custom Cash US Bank: Altitude Reserve, Cash+ Amex: Platinum, BCP Barclays: AA Aviator BoA: Premier Rewards Discover: It tbh, the Costco, AA Aviator, and Premier Rewards are on the chopping block. I do the IHG cards for their free night each year on each of them.

I applied for a lot in the summer of 2021, I don’t drop below 5/24 until next June.

This is the only business card I have applied for in the past two years and is not counted in the 6/24. including this new card, I am at 7/24. Six are personal cards and one is this new business card.

I have no idea how or why, but Chase approved me for their new IHG business card at 6/24. All six are individual accounts, no AUs and none of them are business cards. I applied online and immediately went to pending (not surprising). I called recon who manually counted the six on my credit report and declined me due to "too many recent accounts". I got a declined email at that point. ...Three days later I got an email requesting proof that I have an EIN so I figured what the heck, worst case scenario I waste 30 seconds of my time. Two days later I got an approval email and the phone status reflects the same. I don't know if I slipped through the cracks or something, but I no longer need to wait until June 2023 to get the card...and I have to figure out how to spend more money as I now have to do $7500 between a few cards. Anyways... this is kind of a "yay me!" post while also trying to share that I was somehow approved above 5/24 without doing anything special.

Do they give you X number of invites to hand out like Google did with Gmail back in the day?

Chase never forgets and Baskin Robbins always finds out. What an amazing world we live in!

Long story short, I'm over Chase's 5/24 and am getting impatient (no new cards in almost all of 2019? Ugh!). I have a few cards that are closed that I would like to remove from Experian to get below 5/24 sooner. Is this something I can reasonably do? Everything was closed with no balance, with the OC, etc. If this is a possibility, what is the best method of attack? Everything I've found primarily targets negative items on the CR but these aren't technically negative. Thanks!

The purchases that the CSR covered that this one doesn't include EZPass tolls and train rides into NYC but the Altitude considers the train not to be travel unless it is Amtrak. On paper, they both cover the same stuff.

Hello! It's been awhile. I applied for and picked up the Altitude Reserve card back in April to replace my CSR. My biggest issue with it is the much more restrictive travel categories. Travel that used to count with the CSR is no longer counting and the reps don't see any way to manually apply it. At this point, I want to just spend the $325 in travel on a gift card to something and close the account. Does anyone have experience with what gift cards (if any) do count for travel? Worst comes to worst, I guess I'll book a vacation or something but I don't know if the travel would ever actually happen as plans are very fluid in my line of work. Thanks!

Been with Penfed 3 years, I too have never received an offer.

Although the terms of the card clearly say that an active membership must be kept, is this enforced? I like to get in on the "new member" promos so I plan to let my membership lapse in July. With the rebate checks coming out every February, if I can't keep the card, I'll stop putting spend on it. If I can keep it and still cash the rebate checks in, I'll continue to use it.

My mangers at Gander Mountain tried this on all of the employees who were 18+. Needless to say, I got tired of their constant push for a subprime card to every breathing adult so I left.

The chances of me coming up with $250k within the 12 months is zero. I have maybe $25k. I think the only reason the banker thinks I have money was me request for a CSR preapproval (which I did not have at the time). I'm pretty good at making it seem like I have money when needed though, but of course I have nothing to back it up with.