I love credit cards so much! v3.0 (see first page for add'l details)

[afan]

I couldn't do that at the same time, and it's not that I'm not open to it, but then which is first? Not even sure what the min spends are on them. 5k really pushes it, actually thank you covid for having me take over all grocery shopping, 4k and under are easier with the grocery shopping. The citi it helped that I could use plastiq for my mortgage, but then I put well over what I had left to spend on it for the treadmill, which hurt a little but made things so much easier.

And when you say both do you mean at the same time? Because doing both isn't an issue eventually, it's just a matter of which now, which I'd guess would be the gold if I can even pull the 75k offer. Or is it still worth it at 60k or whatever the other offer that I can't remember is. I just know 35k is normal. Off to reddit...

ETA I can't do 7k in spend in 3 months so it'd be one or the other. Not sure the 125k for the hilton biz is as good as it gets, seems like it was just better but 3k in spend is easy. Per the amex reddit I saw about the gold it seems existing card members may not get the 75k offer, though one pulled it in incognito but didn't actually apply. I haven't dove into r/churning yet because I don't remember seeing much about it the past few days but may have missed it. Back to reddit...

ETAA (the last a is for again) that the hilton biz at 125k for 3k in spend doesn't make sense because the surpass was 125k for 2k in spend. That just seems silly. So now to figure out how long the gold offer is for

 

[SouthFayetteFan]

But... But... But.... What is there's a bomb new CSR-esque card I won't be able to get? I clearly have never gotten over being locked out of the 100k CSR. Ha ha!
Honestly I have entertained the idea of just breaking free and then I chicken out. But I guess that was in the days of easy Chase biz cards that kept me occupied. Without that it does make sense to get other cards...Ugh I just love UR, RR and Avios so much.

Churning world problems.

Which leads us back to a Sapphire MDD for your husband as I was alluding to earlier. That is a great move if his credit report is ready for it. That’ll get you some URs and buy some time to see how things play out over the next 3-4 months or so.

And now that I look at his list of cards, he looks pretty clean for a MDD. And like you said, he has cards dropping off in Nov, so it’s not even a permanent 5/24... he’ll be back to 3/24 just as you’re finishing the Sapphire MSR anyways.

 

[magickingdomprincess]

Sorry, not the OP, but I've seriously been considering the Sapphire MDD for myself, and was trying to find the thread about it on dischurners, but I couldn't find it. Can anyone provide a link please?

 

[SouthFayetteFan]

Sorry, not the OP, but I've seriously been considering the Sapphire MDD for myself, and was trying to find the thread about it on dischurners, but I couldn't find it. Can anyone provide a link please?

There isn’t much to it - we don’t have a specific thread on it, but you can put discussion on it in the advanced strategies thread. Here’s the basic info:

1) Make sure your credit limits are good (i.e. 30-40% of income you’ll use on the application).
2) make sure you are eligible (48 months since your last Sapphire bonus; don’t have a Sapphire open currently, etc)
3) apply on back to back calendar days, it’s best to start this on a Monday or Tuesday IMO (if either card goes pending we can deal with it... feel free to drop me a PM if that happens)

These days; a lot of folks are going for the CSP first because it has the bigger/better bonus. And if the CSR gets denied, at least you got the better bonus. This is especially true if you already have a CF or CFU which can easily be PCed to a CSR whenever you want to.

And a quick reminder, CSP has support links on DISchurners so don’t forget that

 

[wanderlust7]

I couldn't do that at the same time, and it's not that I'm not open to it, but then which is first? Not even sure what the min spends are on them. 5k really pushes it, actually thank you covid for having me take over all grocery shopping, 4k and under are easier with the grocery shopping. The citi it helped that I could use plastiq for my mortgage, but then I put well over what I had left to spend on it for the treadmill, which hurt a little but made things so much easier.

And when you say both do you mean at the same time? Because doing both isn't an issue eventually, it's just a matter of which now, which I'd guess would be the gold if I can even pull the 75k offer. Or is it still worth it at 60k or whatever the other offer that I can't remember is. I just know 35k is normal. Off to reddit...

ETA I can't do 7k in spend in 3 months so it'd be one or the other. Not sure the 125k for the hilton biz is as good as it gets, seems like it was just better but 3k in spend is easy. Per the amex reddit I saw about the gold it seems existing card members may not get the 75k offer, though one pulled it in incognito but didn't actually apply. I haven't dove into r/churning yet because I don't remember seeing much about it the past few days but may have missed it. Back to reddit...

ETAA (the last a is for again) that the hilton biz at 125k for 3k in spend doesn't make sense because the surpass was 125k for 2k in spend. That just seems silly. So now to figure out how long the gold offer is for

The gold MSR is in 6 months. I'd do that first if you can pull up 60k or 75k since you don't know how long that'll last. Previous best was 50k. I just tested my link and weirdly the 60k is coming up without incognito, but if I do incognito it's 35k plus $250. This wasn't the case when I applied last week.

The Hilton biz SUB seems pretty consistent, except for the time when it included a free night. So no hurry doing that one.

 

[magickingdomprincess]

There isn’t much to it - we don’t have a specific thread on it, but you can put discussion on it in the advanced strategies thread. Here’s the basic info:

1) Make sure your credit limits are good (i.e. 30-40% of income you’ll use on the application).
2) make sure you are eligible (48 months since your last Sapphire bonus; don’t have a Sapphire open currently, etc)
3) apply on back to back calendar days, it’s best to start this on a Monday or Tuesday IMO (if either card goes pending we can deal with it... feel free to drop me a PM if that happens)

These days; a lot of folks are going for the CSP first because it has the bigger/better bonus. And if the CSR gets denied, at least you got the better bonus. This is especially true if you already have a CF or CFU which can easily be PCed to a CSR whenever you want to.

And a quick reminder, CSP has support links on DISchurners so don’t forget that

Thank you!

 

[mmmears]

As soon as I saw that question I know that this would be your response.

 

[afan]

The gold MSR is in 6 months. I'd do that first if you can pull up 60k or 75k since you don't know how long that'll last. Previous best was 50k. I just tested my link and weirdly the 60k is coming up without incognito, but if I do incognito it's 35k plus $250. This wasn't the case when I applied last week.

The Hilton biz SUB seems pretty consistent, except for the time when it included a free night. So no hurry doing that one.

That was the same conclusion I came to I was able to pull the public offer in edge, which I never use, because the prequal and clicking the public offer in chrome were both the 35k. So I downloaded firefox and use a referral, they already know, but when they pulled the referral it said the 60k etc, but I still pasted it into firefox and stayed away from chrome just in case. Instant approval. And happy to have the 6 months to not have to worry as much about places that don't take amex, my chiropractor twice a month . They are used to my visa and mastercard gc and paying with different cards when I go in, I've explained it

I will say that part of why I wanted to and was good with getting a card now, was trying to figure out which card to use for what was exhausting and I don't have that many options. And with the 6 months on this one I can jump on the hilton biz or an alaska biz if an elevated offer comes out, so long as I keep doing the majority of the grocery shopping

 

[Lain]

There isn’t much to it - we don’t have a specific thread on it, but you can put discussion on it in the advanced strategies thread. Here’s the basic info:

1) Make sure your credit limits are good (i.e. 30-40% of income you’ll use on the application).
2) make sure you are eligible (48 months since your last Sapphire bonus; don’t have a Sapphire open currently, etc)
3) apply on back to back calendar days, it’s best to start this on a Monday or Tuesday IMO (if either card goes pending we can deal with it... feel free to drop me a PM if that happens)

These days; a lot of folks are going for the CSP first because it has the bigger/better bonus. And if the CSR gets denied, at least you got the better bonus. This is especially true if you already have a CF or CFU which can easily be PCed to a CSR whenever you want to.

And a quick reminder, CSP has support links on DISchurners so don’t forget that

Counterpoint. The CSR is a better card with the $300 travel credits useable towards gas and groceries, 1.5x on the UR portal and PYB, along with all the other temporary and built-in benefits, so the fewer points get stretched better with the CSR.

Practically speaking, the CSP needs a $5k CL to open, while the CSR needs a $10k CL to open. Thus, the CSP should be the easier card to get approved for, and the CSR is the harder card. If you go for the CSP first, you may make the CSR even harder to get because now you’ve got another premium card in your Chase wallet with a $5k, likely $10k+ CL. That leaves less CL that Chase is likely to extend you for a card that requires a higher CL to open.

Ultimately, which card first comes down to which card you want more in case the MDD fails, because you’re stuck with your decision for a year

 

[afan]

Counterpoint. The CSR is a better card with the $300 travel credits useable towards gas and groceries, 1.5x on the UR portal and PYB, along with all the other temporary and built-in benefits, so the fewer points get stretched better with the CSR.

Practically speaking, the CSP needs a $5k CL to open, while the CSR needs a $10k CL to open. Thus, the CSP should be the easier card to get approved for, and the CSR is the harder card. If you go for the CSP first, you may make the CSR even harder to get because now you’ve got another premium card in your Chase wallet with a $5k, likely $10k+ CL. That leaves less CL that Chase is likely to extend you for a card that requires a higher CL to open.

Ultimately, it comes down to which card you want more in case the MDD fails because you’re stuck with your decision for a year

Also there's some dp's that show chase may be 2/6 now so if the first card of the MDD takes you to 2/6 there's probably little you could do to get the 2nd card, which is also reason to consider everything and do the card you want most first.

 

[SouthFayetteFan]

Counterpoint. The CSR is a better card with the $300 travel credits useable towards gas and groceries, 1.5x on the UR portal and PYB, along with all the other temporary and built-in benefits, so the fewer points get stretched better with the CSR.

Practically speaking, the CSP needs a $5k CL to open, while the CSR needs a $10k CL to open. Thus, the CSP should be the easier card to get approved for, and the CSR is the harder card. If you go for the CSP first, you may make the CSR even harder to get because now you’ve got another premium card in your Chase wallet with a $5k, likely $10k+ CL. That leaves less CL that Chase is likely to extend you for a card that requires a higher CL to open.

Ultimately, which card first comes down to which card you want more in case the MDD fails, because you’re stuck with your decision for a year

I’m largely assuming that most veteran folks considering a MDD at this point have a CF or CFU (or a Sapphire they need to PC before attempting the MDD.

And if that’s the case they could (should?) already be playing the upgrade/downgrade game on CSR to their benefit.

I definitely agree that if you have no CF/CFU/current Sapphire Product then the decision carries some more weight.

 

[afan]

I downloaded grubhub because of the new credit on the gold I'll have and it has more options I'll eat at for pickup than uber eats. Still doesn't have 5 guys for p/u but does have johnny rockets which will be more convenient to where I'll be on Saturday so I'll use that credit for lunch and then use uber next weekend for something. It's that or gc at cheesecake factory and I've eaten there once in the last like 10 years so grubhub will make more sense for now.

 

[WinterAloe]

Sorry, not the OP, but I've seriously been considering the Sapphire MDD for myself, and was trying to find the thread about it on dischurners, but I couldn't find it. Can anyone provide a link please?

I hope this is not inappropriate for here....
@Lain posted a very detailed and extremely helpful post regarding this on Dischurners Advanced Strategies ~10 months ago.
I am going to detail my VERY recent experience with this on DISchurners tomorrow. Sorry, I didn't have time to today.
Spoiler alert...I'm excited!

 

[Lain]

Also there's some dp's that show chase may be 2/6 now so if the first card of the MDD takes you to 2/6 there's probably little you could do to get the 2nd card, which is also reason to consider everything and do the card you want most first.

I’ve seen those DPs... and the counter-DPs. Support for a new 2/6 “rule” is mixed at best. I do agree that it seems Chase has become a lot more inquiry sensitive. I will say it’s consistent with our conservative recommendation of pacing new reportable cards at 1 every 3 months.

 

[wanderlust7]

I’ve seen those DPs... and the counter-DPs. Support for a new 2/6 “rule” is mixed at best. I do agree that it seems Chase has become a lot more inquiry sensitive. I will say it’s consistent with our conservative recommendation of pacing new reportable cards at 1 every 3 months.

On the subject of new rules, I came across DPs of Citibank not approving if there are any inquiries in the last 6 months. What’s your take on that? It’s going to throw a wrench into my plans for a Prestige when my Premier 24 months is up.

 

[Albort]

On the subject of new rules, I came across DPs of Citibank not approving if there are any inquiries in the last 6 months. What’s your take on that? It’s going to throw a wrench into my plans for a Prestige when my Premier 24 months is up.

Citi would approve, but havent seen much approval after 2/6. all banks currently arent approving ppl for big credit lines. a friend of mine recently only got $500 only on a premier and thats after having to send in his tax documents for proof of income.
Chase also has been recently soft pulling ppl's credit so most likely seeing what your doing at other banks so its best to keep everything tidy for now.

 

[afan]

On the subject of new rules, I came across DPs of Citibank not approving if there are any inquiries in the last 6 months. What’s your take on that? It’s going to throw a wrench into my plans for a Prestige when my Premier 24 months is up.

The only hard pull on my equifax is from the premier I got last month, but it's my 3rd personal card this year and I can't remember if the 2nd amex I got in may had reported to my cr yet or not. They gave me 4k vs the 1k on the hilton surpass I got in May with the same basic stats. I only had a plat and DL biz from amex so I don't know why it was only 1k, thankful it was only a 2k min spend. But I pay weekly because I get paid weekly.

 

[magickingdomprincess]

Counterpoint. The CSR is a better card with the $300 travel credits useable towards gas and groceries, 1.5x on the UR portal and PYB, along with all the other temporary and built-in benefits, so the fewer points get stretched better with the CSR.

Practically speaking, the CSP needs a $5k CL to open, while the CSR needs a $10k CL to open. Thus, the CSP should be the easier card to get approved for, and the CSR is the harder card. If you go for the CSP first, you may make the CSR even harder to get because now you’ve got another premium card in your Chase wallet with a $5k, likely $10k+ CL. That leaves less CL that Chase is likely to extend you for a card that requires a higher CL to open.

Ultimately, which card first comes down to which card you want more in case the MDD fails, because you’re stuck with your decision for a year

Also there's some dp's that show chase may be 2/6 now so if the first card of the MDD takes you to 2/6 there's probably little you could do to get the 2nd card, which is also reason to consider everything and do the card you want most first.

I’m largely assuming that most veteran folks considering a MDD at this point have a CF or CFU (or a Sapphire they need to PC before attempting the MDD.

And if that’s the case they could (should?) already be playing the upgrade/downgrade game on CSR to their benefit.

I definitely agree that if you have no CF/CFU/current Sapphire Product then the decision carries some more weight.

I hope this is not inappropriate for here....
@Lain posted a very detailed and extremely helpful post regarding this on Dischurners Advanced Strategies ~10 months ago.
I am going to detail my VERY recent experience with this on DISchurners tomorrow. Sorry, I didn't have time to today.
Spoiler alert...I'm excited!

I’ve seen those DPs... and the counter-DPs. Support for a new 2/6 “rule” is mixed at best. I do agree that it seems Chase has become a lot more inquiry sensitive. I will say it’s consistent with our conservative recommendation of pacing new reportable cards at 1 every 3 months.

I appreciate the discussion and advice, and of course now I'm more indecisive! I'm currently 3/24 and 1/6, and my original plan was to go for the MDD when I was at 4/24 to "break out" of 5/24, but the 2/6 Chase stories have me scared that I should go ahead and go for the Sapphire MDD because I really like UR's (who doesn't!) and don't want to be locked out of earning any more SUB's for them before trying for one/both Sapphires. I actually only have one Chase personal card as I was enjoying "sipping" away previously. I also am planning on going for a Hilton Aspire sometime soon as part of my Hawaii 2021 plan so I have that to consider also. It's so interesting to hear the rationale for the CSR first vs the CSP - I had assumed I'd go for the CSP first, but I do see the reasoning in going for the CSR first instead. I love the discussion here, so many things I wouldn't think of myself! Anyways, lots to think about!
@WinterAloe - I look forward to reading your post!

 

[SouthFayetteFan]

I appreciate the discussion and advice, and of course now I'm more indecisive! I'm currently 3/24 and 1/6, and my original plan was to go for the MDD when I was at 4/24 to "break out" of 5/24, but the 2/6 Chase stories have me scared that I should go ahead and go for the Sapphire MDD because I really like UR's (who doesn't!) and don't want to be locked out of earning any more SUB's for them before trying for one/both Sapphires. I actually only have one Chase personal card as I was enjoying "sipping" away previously. I also am planning on going for a Hilton Aspire sometime soon as part of my Hawaii 2021 plan so I have that to consider also. It's so interesting to hear the rationale for the CSR first vs the CSP - I had assumed I'd go for the CSP first, but I do see the reasoning in going for the CSR first instead. I love the discussion here, so many things I wouldn't think of myself! Anyways, lots to think about!
@WinterAloe - I look forward to reading your post!

Until somewhat recently "CSR first" was widely accepted as the first step in all circumstances. That has now changed somewhat in recent months and become a bit more of a toss-up, driven by a number of factors. So now it is more up for debate and driven by personal paramaters.

 

[disfanforlife]

I was thinking about a MDD too. But ultimately deicided to just got to for the CSP. Maybe 4 years from now, I’ll try it!