brainchasm

It's a tactic used by poker players sometimes (and IIRC, specifically disallowed in UK poker rooms).

Did we stop doing these? Anyway, small moves for me considering two and a half years have gone by... $41k NFCU $30k CSP (hidden TL) $30k Discover

Even though the BT is large, it's down by about 20% as of 12/2020, and it's letting me get my house in order... (there are three more zeroed cards below the bottom edge)

This looks retarded. I'm on the waitlist. Mostly so I can just tell them no when the time comes, if they last that long.

USAA RateAdvantage can get down that low, or close, IIRC.

$10k basic card with BofA from a previous BT. Requested a CLI because cv91915 told me to. $9k bump, total now $19k.

Another separate note, only tangentially related to anything: I'm currently right at 5/24 (assuming installment TLs don't count). I will be 4/24 on 2-5-21. Not that JPMChase has anything I want right now, but it's always nice to have that corner pocket, just in case. (oh wait, I might be 6/24 if that Apple card starts reporting like a normal card. Does anyone know if they report? I have to think they do.) If I am 6/24, then I won't be 4/24 until 8-2-21.

Ah hell, I DID ask them for the big card to go to $50k, while having the little card already at $5k. I'll ask smarter next time. Thanks!

Yeah, it's nowhere near that critical. I was looking at this - https://grandreserverewards.com/ because I am a wine nerd, but Las Vegas has zero coverage, partners, or participation in the valley, so it's a big fat non-starter for now. I realize there are cards for fancylads & fancyladies out there, but it's too bad there isn't something more targeted...I dunno, I'm just palavering. But like a card (or hell, even just a receipt program) that rewards you for buying fancy/imported cheese, wines from anywhere, better/prime cuts from high(er)-end butchers, etc. Not true fancylad (read: actual wealthy) but more aspirational. Like a Treat Yo Self rewards card. Just spitballing. *shrug*

Minor notes to add to clarify my mindset: I would combine the Citi cards, but they don't do that, so meh. I would combine the AMEX cards, but they are both from the age of D*, and that would be awful to lose a 20-year card. I already lost my ZYNC when they discontinued that program. My poor, poor sparkly-white-Twilight-Edward-Cullen card. I would combine the WF cards, but the one I would give up is the older one, and the one I would keep that already has the much larger limit is the Propel, and thus the newer one. I suppose I could ask them to combine the Propel into the older card, and then convert the older card TO a Propel, but I'm afraid they would just look at me sideways and tell me to go away with my weirdo requests.

Double No from Citi, c'est la guerre.

BofA luv button from $10k to $19k, asked for $50k. At PenFed, I have nothing available under the Other Offers box except a TurboTax "discount", and car shopping or some such. 7-10 day message on AMEX, so I'm guessing they'll want a HP and my reports are frozen ofc. A quick check of the Altitude Reserve shows their current offering is expiring on 6/30/21. I'll look at it again after that, since travel may be back on the menu by then, and they may re-cycle the offer after 6/30, so I could catch it fresh.

I'll hit up BofA for a CLI, thanks! I don't really care to do business with them as I think they are a shite bank, but I needed them at the moment back then. I've been checking PenFed, but I'll check more closely. I mainly keep that card for the relationship, and hoping for a decent offer for something someday. I'll research and heavily consider the USBank Altitude Reserve, and see if it's a fit. USBank is another one that I kind of roll my eyes at them as a bank in general, but rewards don't have to have a face...I looked at the Cash+ for other people/reasons before, but it was largely useless to me (my streaming is free, my ISP is free, I don't do cable, and my utilities are low). I've always been blech about CapOne. Their products just aren't that interesting to me, and their triple bureau check just offends my sensibilities. Petty I know, but I'm in a place where I can choose to be petty. Getting from boned to rebuilding/recovering to borderline to headed towards fat-cat/monocle-money has definitely been a journey, and I appreciate your acknowledgement. I owe the vast majority of my recovery and my skills learned in that process to creditboards! ❤️

Here's the current card loadout with limits, for informational purposes: Alliant VISA Platinum / $15k - from rebuilding days, empty/unused AMEX BCP / $28k - current primary CC for groceries and gas AMEX Everyday / $5k - from rebuilding days, empty/unused BofA MC Platinum / $10k - recent BT use, empty/unused Citi MC AAdvantage / $23.9k - previous default CC, empty/unused Citi Diamond Preferred / $3k - empty/unused Discover IT / $30k - previous BT, empty/unused JPM Chase Sapphire Pref / $30k - current default card, hidden TL JPM Chase Freedom / $8k - regularly used card by fiancee JPM Chase Amazon / $1k - regularly used on Amazon by both of us NFCU cashRewards / $41k - current BT card PenFed Power Cash / $12k - empty/unused Sears SYW / $4k - small balance from freezer purchase, otherwise unused JTV (Synchrony) / $10k - small balance from jewelry purchase, otherwise unused USAA VISA / $16k - CC with primary bank, empty/unused USAA RateAdvantage / $17k - checking OD protection, empty unused Wells Fargo AMEX Propel / $25k - empty/unused Wells Fargo VISA / $7.5k - empty/unused Apple / $5k - empty/unused And I think that's about it. Basically, all but three cards have no rolling balance, and of the three that do, the BT is at 1.99%, and the freezer and jewelry are at 0% and can be zeroed at any moment. Couple of car notes with NFCU, VA home loan with WF. Hopefully that informs any recommendations or thought processes, and thanks in advance!

It's the second...