If I get this CIC, DH is going to need so many labels for all his different cards to know what to use
You know I'm all "Mr. Strategy"...but I always say you need to be ready to call an audible if a big-time offer pops up. For me last year that was the 75k Citi Prestige - don't regret hitting that one for a moment! Obviously nobody knows what Chase is doing here...but they don't change offers often...CF and CFU have been at 15,000 URs since the beginning of time. CSP has been at 50k since before 95% of the folks here were churning...CSR came out at 100k for awhile then moved to 50k and hasn't moved since then...CIP has been at 80k since it was born...
Both of you should be in the safe zone at this point (for sake of this I'm going to add the AU cards and business cards because I'd think Chase can look at all of that when determining bust-out risk). So for these purposes your husband has 4 new accounts in the last 24 months, 4 in the last 12, 2 in the last 6 and 1 in the last 3 (4/24, 4/12, 2/6, 1/3). You have 3 in the last 24, 3 in the last 12, 2 in the last 6 and 1 in the last 3 (3/24, 3/12, 2/6, 1/3).
If I were developing your strategy, I'd have your husband refer you to CIP next. Let's say you do that in April...then come back with your husband in June/July for the CSR (and I'd strongly consider the CSR/CSP double dip but that's for you to decide). If your combined credit limits with Chase start to get really high I'd consider reducing them a little as well.
So the thing is that want to look at you both completely separate...when you apply, what he did won't matter; AND when he applies, what you did won't matter
PLUS the reason I say to wait on the CSR is that when you get it you have 12 (almost 13) months before you have to pay that annual fee a second time. If you get it near the end of earning your URs then you can use all those URs with your CSR and consider cancelling/downgrading that CSR to avoid the yr2 AF.
I'm basing it on these assumptions:
Well, I've already taken the SPG Biz plunge, so I'm out of the running until I get through that MSR. Maybe this one will be next, if it sticks around a while. I was going to go on new card hiatus for a while, but this really is addictive! I was planning to PC my new CIP to a CIC anyway once I made it through the first year, so this would just be picking up the bonus instead of PCing.
So not to further complicate this further...but with the SPG being a limited time offer...if you want that 35k offer it super jumps up to the top of the list, HAHA
That's what we're here for, we're like a support group for credit cards and the freak outs they cause
You should have seen my couple day freak-out when my CSR app was denied as I was just dipping my toes into all this and I had to HUCA 3 times before I got approved- eek! It wasn't pretty but the people on this thread were here for moral support and sage guidance. (No, CIP won't show as an account on your personal credit report, just as a hard pull from Chase)
Yeah - CIP should NOT show on your personal credit report.
So the thing is that want to look at you both completely separate...when you apply, what he did won't matter; AND when he applies, what you did won't matter
You getting a card now (or in May) won't jeopardize his ability to get a CSR. As a matter of fact, the longer he waits to apply for CSR, the better his chances
nothing wrong with hitting that freedom category to space things out.Thank you so much! We still have about $1500 to finish up on DH's CIP, so what I'm thinking is I'll finish that here over the next couple weeks and in the meantime I'll get started April 1 on my CF category. I think I'll apply for my CIP with DH's referral on May 1. I know that might seem overly cautious, but I'm pretty risk averse and don't like to break the rules. I just want to treat my family a nice vacation on these UR points
i got a CI+, it stays out of my wallet but it sits nicely with paypal.
You gotta teach him how to use gyft.com... idk whats worse...
i got a CI+, it stays out of my wallet but it sits nicely with paypal.
You gotta teach him how to use gyft.com... idk whats worse...
So the thing is that want to look at you both completely separate...when you apply, what he did won't matter; AND when he applies, what you did won't matter
You getting a card now (or in May) won't jeopardize his ability to get a CSR. As a matter of fact, the longer he waits to apply for CSR, the better his chances
Love it
And this is why in 2 player mode you try to alternate apps. It spaces out "your" and "their" apps more which increases odds of auto-approval and avoids shutdown risk.
