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Lisa & I are very cautious (I know funny from someone who gets 10+ credit cards each, each and every year) when it comes to spending. I live by the fact that I do not buy if I do not need. I even give to charity anything I have not used in a year or two as I doubt I will use it again and I hate felling like a “hoarder” (well other than point cards – I do hoard those).
So when it come to cards, the amount of “spend” does matter. Sure you can buy “Vanilla” and other gift cards, and pre pay bills, but at some point you run out of “real” spending. So, with that in mind, what cards did Lisa go for and how did it go (a few days back btw)? First let’s look at her credit score BEFORE the churn:
That is a nice number and one that should lead to many instant approvals. There was one card that was the most important and we will start with that.
- Chase INK PLUS 50,000 bonus points card. – This is a no brainier (also DID NOT want to risk missing out on this offer). She has the BOLD and with an already established account, approval was instant. After $5000 in spend we will have built our family Ultimate rewards points balance back up to almost ¼ million! Grand Cayman, here we come next year again.
- AMEX Premier Rewards Gold Card 25,000 bonus points card – This one too was simple. 3x points on airfare over the 2x points that Delta AMEX cards pay. Plus, no 1st year fee. Only have to spend $2000 to get the points. Not instant approval, but now approved!
- US AIR 50/40,000 bonus points card - This one also was a simple choice. 40,000 after 1st purchase and makes up for no grand slam this year. There is another link, that you could use if you ARE a US AIR “Chairman” but, like my churn, why risk no points when these are guaranteed (Lisa is NOT a US AIR Chairman). Result was instant approval!
- BofA Hawaiian Air 35,000 point card – (NOT my link btw) – Lisa already has the Bank of Hawaii one so why not add this one to bump her total to 70,000 that I “could maybe” (post on the way about this) use on Delta or could send to Hilton and turn her 70,000 total into 140,000 Hilton.
So my wife, like me, ends the year with 100% approvals for 2012. A bunch of points that I will recap later on. This has been another year with a TON of points and redemptions and bumps. I am just giddy about 2013 and can not wait to see what is next – how about you? – René
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