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everyday:money:credit_cards [2020/02/25 10:14]
admin
everyday:money:credit_cards [2020/08/19 22:30]
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 <blockquote>I'm signing up for a checking account with you guys, but I don't want to order a pack of checks. How would I do that? --Me</blockquote> <blockquote>I'm signing up for a checking account with you guys, but I don't want to order a pack of checks. How would I do that? --Me</blockquote>
  
 +Chase Sapphire Reserve only gives 1% back on purchases (1.25% if redeemed for travel). While it's worth it to spend $4K for the signup bonus of $500 or so (12% return), it's **not** competitive for amounts beyond that! I'd rather get 2% **in cash** with a different card, even if it doesn't have a signup bonus! 
 +  * So that's why Chase has such high referral payments to bloggers ($100)...because they charge 1.5%-2.5% in processing fees to the merchant and only have to pass along 1.25% to the card holder!
 +  * So all these blog folks that are hawking free first class everything travel...for folks to actually get the other $500 they have to spend ~$40K on their Chase card instead of $25K on a 2% cash back card! I wonder why they don't talk about that...
 +
 +
 +===== Personal Expenses on Business Card =====
 +T&C's say not to do it, but the worst they can/will do is cancel the card?
 +
 +Separate credit bureaus, less consumer protection against purchases, higher interest rate. No big deal to me...
 +
 +However approval is trickier. Requires an actual business? (sole prop?). And EIN (does SSN count?). Can apply for one with IRS?
 +
 +<blockquote>No just called them and they insisted on business documents! They even tried to validate with the state webiste. I have wasted two hard pulls in the last 8 months with Wells Fargo and US Bank business credir cards!</blockquote>
 +
 +Applied for BofA card with sole proprietorship and $500 sales / year, but was rejected. https://www.doctorofcredit.com/targeted-bank-of-america-business-cash-rewards-500-signup-bonus/
 +  * Will get a letter. Maybe it says to do a secured card instead?
 +===== Money Transfer =====
  
  
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 **Re-Bonus Limitations** https://thepointsguy.com/guide/credit-card-application-restrictions/ **Re-Bonus Limitations** https://thepointsguy.com/guide/credit-card-application-restrictions/
   * Wells Fargo is once every 6 months, 15 months per card.   * Wells Fargo is once every 6 months, 15 months per card.
 +
 +===== 5/24 =====
 +Running out of cards to apply for, so I probably want to refocus on big ones only. 
 +
 +Choosing to wait for Jan 2022, at which point I should be able to apply for higher <cash> bonus cards. Chase doesn't care when you close the card, so closing existing annual fee cards a little later is ok.
 +
 +Doesn't limit me from applying for a few cards until then, but needs to be <= 5 over 24 months. So let's make an arbitrary reward of ... $400? Should be fine. Not all vendors do 5/24, so I can sign up for them in the meantime. (Wells Fargo, etc).
 +
  
 ===== BarclayCard ===== ===== BarclayCard =====
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 ===== Brokerage Accounts ===== ===== Brokerage Accounts =====
 Even though the signup bonus looks small, you can keep your money invested! (so still free money, just not very instant). https://www.doctorofcredit.com/best-brokerage-bonuses-earn-up-to-3500/ Even though the signup bonus looks small, you can keep your money invested! (so still free money, just not very instant). https://www.doctorofcredit.com/best-brokerage-bonuses-earn-up-to-3500/
 +
 +However, you want to use ACAT transfer to keep your cost basis. Even a 2% bonus isn't worth it if you have to liquidate. https://docs.google.com/spreadsheets/d/1VBytwn-MRGtq0vDNQ4ZrJBKnAHcReGQqRcEqoc7Dq3s/edit?usp=sharing
  
 ^ Place ^ Deal ^ Result ^ ^ Place ^ Deal ^ Result ^
 | Chase YouInvest | $25K/$200, invested for 90 days \\ Keep checking account for 100 free trades every year, although probably pulling out money before that \\ But don't fully deplete or else face $75 account closure fee? | Buying VTSAX 11/28/19 ish | | Chase YouInvest | $25K/$200, invested for 90 days \\ Keep checking account for 100 free trades every year, although probably pulling out money before that \\ But don't fully deplete or else face $75 account closure fee? | Buying VTSAX 11/28/19 ish |
 | Sofi Invest | $1000/$100 | **$100  received Nov 22-ish**. \\ Wait for a while? | | Sofi Invest | $1000/$100 | **$100  received Nov 22-ish**. \\ Wait for a while? |
 +| Sofi Invest #2 | 1%. MINTAX, will refund $75 of closing external account.\\90 days minimum\\$75 to close the account |  Pursuing ACAT transfer soon. |
 | Etrade | $25K/$200 | **Purchasing VTSAX** 11/28/19 ish | | Etrade | $25K/$200 | **Purchasing VTSAX** 11/28/19 ish |
-| Ally Bank Trading | $25K/$200 | $18K transferred |+| Ally Bank Trading | $25K/$200 | $18K transferred \\ Was under $25K by $500 >.< Must have forgotten about it mid-transfer \\ Only $50, reward received already |
 | Schwab | Nice | N/A for me since I opened brokerage already | | Schwab | Nice | N/A for me since I opened brokerage already |
 | PNC | $25K/$125 or $50K/$250, invested 1 year? \\ Requires calling on phone, which is ok, but too much time and $ now \\ Requires managed acct (2%/year AUM)| | | PNC | $25K/$125 or $50K/$250, invested 1 year? \\ Requires calling on phone, which is ok, but too much time and $ now \\ Requires managed acct (2%/year AUM)| |
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 | Merrill Lynch | Decent bonus, but requires large balance checking account with Bank of America | | | Merrill Lynch | Decent bonus, but requires large balance checking account with Bank of America | |
 | Fidelity | $50K / $200 | | | | Fidelity | $50K / $200 | | |
 +| Tastytrade | $2000 -> $200 in stocks | Need to keep for 90 days. \\ Any account fees? \\ Want to do it | |
  
 ===== Checking Accounts ===== ===== Checking Accounts =====
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 ^ Bank ^ Reward ^ Fine Print ^ Date ^ ^ Bank ^ Reward ^ Fine Print ^ Date ^
-| Chase | $300 + 2% of $15K for 90 days of mucking around. 8% risk free return, before interest taxes | $500 direct deposit in checking monthly. $15K in savings for 90 days. Transfer $25 monthly to savings from checking. \\ Don't bail out before 6 months or else you will get billed for bonus. \\ https://www.doctorofcredit.com/chase-600-checking-savings-bonus/ \\ {{:everyday:money:chase_checking.png?200|}} | Accepted Aug 20 2019 \\ Got $300 early, $300 later on Nov 28.\\ Waiting for 6 months | +| Chase | $300 + 2% of $15K for 90 days of mucking around. 8% risk free return, before interest taxes | $500 direct deposit in checking monthly. $15K in savings for 90 days. Transfer $25 monthly to savings from checking. \\ Don't bail out before 6 months or else you will get billed for bonus. \\ https://www.doctorofcredit.com/chase-600-checking-savings-bonus/ \\ {{:everyday:money:chase_checking.png?200|}} | Accepted Aug 20 2019 \\ Got $300 early, $300 later on Nov 28.\\ Waiting for 6 months \\ **Closed** May 18 2020 
-| PNC | $300, but no acct minimums | Within 60 days: 10 debit card transactions ([[https://www.doctorofcredit.com/bank-accounts/how-to-meet-minimum-debit-credit-transaction-requirements/|use square cash]] or [[https://www.amazon.com/gp/gc/create?ie=UTF8&ref_=reload_egc_upsell|Amazon balance reload]], $1 min for free), $5K of direct deposit \\ Fee avoidance: $5K in direct deposit per month? Or $25 early account closure fee \\ Bi-weekly pay is $3k. \\ Can use Paypal, what is their routing number? | Accepted 8/22/19 \\ $300 deposited a while back. Still maintain $5K/month through Paypal or $25 account closure? | +| PNC | $300, but no acct minimums | Within 60 days: 10 debit card transactions ([[https://www.doctorofcredit.com/bank-accounts/how-to-meet-minimum-debit-credit-transaction-requirements/|use square cash]] or [[https://www.amazon.com/gp/gc/create?ie=UTF8&ref_=reload_egc_upsell|Amazon balance reload]], $1 min for free), $5K of direct deposit \\ Fee avoidance: $5K in direct deposit per month? Or $25 early account closure fee \\ Bi-weekly pay is $3k. \\ Can use Paypal, what is their routing number? | Accepted 8/22/19 \\ $300 deposited a while back. Still maintain $5K/month through Paypal or $25 account closure? \\ **Closed** May 18 2020 
-| HSBC | $200 | | Still waiting...DONE! \\ To transfer, go to top menu My HSBC, then Bank to Bank Transfers\\ $1 per paycheck | +| HSBC | $200 | | Still waiting...DONE! \\ To transfer, go to top menu My HSBC, then Bank to Bank Transfers\\ $1 per paycheck \\ **Still doing DD until December minimum to get $100** {{:everyday:money:img_20200721_094658312.jpg?400|}}, \\ signed form is in Dropbox under...2020 taxes 
-| US Bank | $300 | | Started when? (check email) Closed w/ no fee | +| US Bank | $300 | | Started when? (check email) **Closed** w/ no fee | 
-| Wells Fargo | $400 | | When should I stop transferring $500 in per month? \\ Closed? |+| Wells Fargo | $400 | | When should I stop transferring $500 in per month? \\ **Closed**? |
 | Capital One 360 Performance Savings | $200/$10000 deposit for 90 days | | Approved 11/15 \\ Received bonus Feb 24 | | Capital One 360 Performance Savings | $200/$10000 deposit for 90 days | | Approved 11/15 \\ Received bonus Feb 24 |
-| Discover | $200 for $25000 cumulative deposits (can be in and out) |  | Applied & approved 11/14 \\ $6k transferred 11/18 from NWPCU \\ $6050 transferred back 11/23 | +| Discover | $200 for $25000 cumulative deposits (can be in and out) |  | Applied & approved 11/14 \\ $6k transferred 11/18 from NWPCU \\ $6050 transferred back 11/23 \\ Bonus received in 2019 \\ Not closed as no fee 
-| [[https://www.doctorofcredit.com/bbva-compass-200-checking-50-savings-bonus-nationwide-available-online-2/|BBVA]] | Expired one day earlier :-/ \\ Time to go outside! Can transfer money using Paypal | | +| [[https://www.doctorofcredit.com/bbva-compass-200-checking-50-savings-bonus-nationwide-available-online-2/|BBVA]] | Expired one day earlier :-/ \\ $200 for one $500 DD, $50 for savings keeping Keep account open until 1 year later | Applied July 24 {{ :everyday:money:product-disclosure.pdf |{{ :everyday:money:disclosure.pdf |}}}}
-| [[https://www.doctorofcredit.com/bank-of-the-west-250-checking-bonus-az-ca-co-id-ia-ks-mn-mo-ne-nv-nm-nd-ok-or-sd-ut-wa-wi-wy/|Bank of the West]] | $1000 DD per month for 3 months = $250 | Any DD per month avoids fee. \\ <del>One $500 DD per month to avoid fee (paypal ok)</del> ? \\ Worried that outgoing transfer will cause fee. Use Zelle instead?{{ :everyday:money:disclosure-oregon.pdf |}} | Stopping transfers end of February after 91 days. Maybe transfer $1 per month from DD at that point? |+| [[https://www.doctorofcredit.com/bank-of-the-west-250-checking-bonus-az-ca-co-id-ia-ks-mn-mo-ne-nv-nm-nd-ok-or-sd-ut-wa-wi-wy/|Bank of the West]] | $1000 DD per month for 3 months = $250 | Any DD per month avoids fee. \\ <del>One $500 DD per month to avoid fee (paypal ok)</del> ? \\ Worried that outgoing transfer will cause fee. Use Zelle instead?{{ :everyday:money:disclosure-oregon.pdf |}} | Stopping transfers end of February after 91 days. Maybe transfer $1 per month from DD at that point? \\ Bonus of $250 received April 15 \\ Leave open? \\ **Still doing DD for no reason** |
 | [[https://www.doctorofcredit.com/wa-ca-or-id-hi-homestreet-bank-350-checking-bonus-available-online/|Homestreet Bank]]| $350 | $3K direct deposit in 90 days \\ Hold $2.5K per month for no fees \\ Keep acct open for 240 days for $350 reward \\ Don't cancel before 365 days or else they reserve the right to ask for bonus back \\ Can transfer money using Paypal | Approved Nov 19 2019 \\ Waiting for signature card to send in DD | | [[https://www.doctorofcredit.com/wa-ca-or-id-hi-homestreet-bank-350-checking-bonus-available-online/|Homestreet Bank]]| $350 | $3K direct deposit in 90 days \\ Hold $2.5K per month for no fees \\ Keep acct open for 240 days for $350 reward \\ Don't cancel before 365 days or else they reserve the right to ask for bonus back \\ Can transfer money using Paypal | Approved Nov 19 2019 \\ Waiting for signature card to send in DD |
-| [[https://www.doctorofcredit.com/wa-or-id-in-branch-columbia-bank-200-checking-bonus/|Columbia Bank]] | Have to go into bank \\ Do $1 DD from work per month | | +| [[https://www.doctorofcredit.com/wa-or-id-in-branch-columbia-bank-200-checking-bonus/|Columbia Bank]] | Have to go into bank \\ Do $1 DD from work per month | Deposited March 13 \\ Keep $1 DD / mo \\ Removed $200 bonus in April \\ **Still doing DD for no reason**
-| [[https://www.doctorofcredit.com/unknown-location-restrictions-keybank-200-checking-bonus/|KeyBank]] or use Dad's referral code | $500 direct deposit for $400 \\ $500 worth of transactions a month to avoid fee \\ Money within 60 days, don't close before 180. | | $500 DD'ed, need to transfer out using Paypal. \\ **December 15, transfer $500 in/out**  +| [[https://www.doctorofcredit.com/unknown-location-restrictions-keybank-200-checking-bonus/|KeyBank]] or use Dad's referral code | $500 direct deposit for $400 \\ $500 worth of transactions a month to avoid fee \\ Money within 60 days, don't close before 180. | | $500 DD'ed, need to transfer out using Paypal. \\ **December 15, transfer $500 in/out** \\ Didn't actually DD $500, did $400 :-( \\ Trying to close account in July 
-| [[https://www.doctorofcredit.com/citi-400-600-personal-checking-savings-bonus-available-nationwide-direct-deposit-not-required/|Citi]] | $15K for 60 days, $10K for 90 days to avoid $25/mo fee. $400 | Cancel after 90+60 days | Transfer $14999 into savings, $1 into checking. |+| [[https://www.doctorofcredit.com/citi-400-600-personal-checking-savings-bonus-available-nationwide-direct-deposit-not-required/|Citi]] | $15K for 60 days, $10K for 90 days to avoid $25/mo fee. $400 | Cancel after 90+60 days | Transfer $14999 into savings, $1 into checking. \\ Bonus received April 15. \\ Cancelling once money is mostly transferred out \\ **Closed** May 19 2020 |
 | Charles Schwab | $1k deposit / $100 | Keep account open to not get bonus charged back | | | Charles Schwab | $1k deposit / $100 | Keep account open to not get bonus charged back | |
 | Incredible Bank | Two $300 DD within 30 days (maybe NW Priority would count?) \\ Wait until $175 | | | | Incredible Bank | Two $300 DD within 30 days (maybe NW Priority would count?) \\ Wait until $175 | | |
 +| First Tech Credit Union | {{:everyday:money:pasted:20200311-123950.png}} | Started. Should be ok for 60 day thing. Keep up direct deposit for 120 days total \\ but don't need to keep balance in checking | | 
 +| SoFi Bank | [[https://www.doctorofcredit.com/sofi-money-get-75-when-signing-up-for-1-60-account-getting-direct-deposit/|$75 for two $500 DD within ?? days]] \\ Also 5% back on debit card for first 90 days | Signed up May 5 and set up DD | | 
 +| Rivermark Credit Union | $100 for signing up with checking account \\ Note to self, write down T&C. I missed doing a $100 opening deposit? | Done May 5. Need to transfer some money | |
 **Speaking of which, early account closure fees for the other banks I've done...**? **Speaking of which, early account closure fees for the other banks I've done...**?
  
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 | Wells Fargo Cash Wise | Keep open? | | 7850 | | Wells Fargo Cash Wise | Keep open? | | 7850 |
 | BarclayCard | $5000 / $700 (70k points) | Approved! Feb 9 2019 | | 7647 | | BarclayCard | $5000 / $700 (70k points) | Approved! Feb 9 2019 | | 7647 |
-| Citi AAdvantage ... can apply separate from Citi Premier and still get signup bonus avoiding 24-month rule. \\ https://onemileatatime.com/citi-card-24-month-rule/| | 8115 | +| Citi AAdvantage ... can apply separate from Citi Premier and still get signup bonus avoiding 24-month rule. \\ https://onemileatatime.com/citi-card-24-month-rule/Having issues redeeming.\\Want to create an AAdvantage accountbut it says there's already one with my name on it.\\Need to call... \\ Annual fee | 8115 |
-| US Bank Altitude Reserve | $400 annual fee, but $375 in travel credit + 50K points \\ [[https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/#US_Bank_Altitude_Reserve_8211_50000_Points|Doctor of Credit]]| Approved July 2019\\ Apply for Global Entry on receiptwait to churn on tax payment \\ {{ :everyday:money:lounge_directory.pdf |Priority pass lounges}} (4 free for cardholder, 4 for guests) $28 value each \\ flight on same day 9516 |+
 | [[https://www.usbank.com/splash/credit-cards/cash-plus/aff/index.html|US Bank Cash Plus]] | $150/$500, but rewards expire in 36 months \\ Approved Aug 2018 | | 3093 |  | [[https://www.usbank.com/splash/credit-cards/cash-plus/aff/index.html|US Bank Cash Plus]] | $150/$500, but rewards expire in 36 months \\ Approved Aug 2018 | | 3093 | 
 | Wells Fargo Propel | $300 / $3k. $0 annual fee| Approved July 2019 \\ Use to churn on tax payment\\ 0% APR until August 2020. Autopay min| | | Wells Fargo Propel | $300 / $3k. $0 annual fee| Approved July 2019 \\ Use to churn on tax payment\\ 0% APR until August 2020. Autopay min| |
 | [[https://www.doctorofcredit.com/schwab-investor-card-american-express-200-sign-bonus/|Schwab]] | $2000/$200 \\ {{:everyday:money:pasted:20191108-145747.png?300}} | Approved October 2019 \\ 0% APR until ... May 2020 \\ $200 bonus deposited | | | [[https://www.doctorofcredit.com/schwab-investor-card-american-express-200-sign-bonus/|Schwab]] | $2000/$200 \\ {{:everyday:money:pasted:20191108-145747.png?300}} | Approved October 2019 \\ 0% APR until ... May 2020 \\ $200 bonus deposited | |
-| [[https://www.fidelity.com/go/rewards-visa-signature-card-1501|Fidelity Card]]? | $1500/$150, no annual fee \\ 2%  cash back, Quicksilver replacement... | Approved November 2019 \\ No APR reduction \\ Received $180 Dec 31 2019| |+| [[https://www.fidelity.com/go/rewards-visa-signature-card-1501|Fidelity Card]]? | $1500/$150, no annual fee \\ 2%  cash back, Quicksilver replacement... | Approved November 2019 \\ No APR reduction \\ Received $180 Dec 31 2019| 8780  |
 | Alliant Credit Union targeted? offer | $3K/$200 \\ Not much, but not much else either | Approved Nov 19 2019 \\ Need to probably spend in Q1\\ When will it show up? | | | Alliant Credit Union targeted? offer | $3K/$200 \\ Not much, but not much else either | Approved Nov 19 2019 \\ Need to probably spend in Q1\\ When will it show up? | |
-| American Express Delta Gold | Targeted $2K/70K miles + $50 statement bonus + perks \\ Got because of work delta purchase \\ ~$100 annual fee | Approved Dec 31 2019 \\ $2K reached on Feb 11| | +| American Express Delta Gold | Targeted $2K/70K miles + $50 statement bonus + perks \\ Got because of work delta purchase \\ ~$100 annual fee | Approved Dec 31 2019 \\ $2K reached on <del>Feb 11</del> Feb 25. \\ 80K points deposited| | 
-| PNC Bank Core CC | Targeted? $1K/$100 | Approved Jan 13 2019 | | +| PNC Bank Core CC | Targeted? $1K/$100 | Approved Jan 13 2020 | | 
-| BBVA Bank | $1500/$100 :-( | Approved Jan 28 2019 | |+| BBVA Bank | $1500/$100 :-( | Approved Jan 28 2020 \\ $100 received | |
  
 ==== Closed ==== ==== Closed ====
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 ^ Name ^ Notes ^ State ^ Number ^ ^ Name ^ Notes ^ State ^ Number ^
 | Citi Premier, maybe AA cards? | $4000 / $625 on airfare, $850 if on [[https://thepointsguy.com/guide/citi-thankyou-transfer-times/|preferred list]], which includes AA. \\ Have to book through Citi Travel center for 1.25X points, but doesn't seem to have exact flight, but can book individually for about the same price.\\ So decide if you really want to come back that day or stay longer... | Closed Jan 2 2020 | 7682 | | Citi Premier, maybe AA cards? | $4000 / $625 on airfare, $850 if on [[https://thepointsguy.com/guide/citi-thankyou-transfer-times/|preferred list]], which includes AA. \\ Have to book through Citi Travel center for 1.25X points, but doesn't seem to have exact flight, but can book individually for about the same price.\\ So decide if you really want to come back that day or stay longer... | Closed Jan 2 2020 | 7682 |
 +| US Bank Altitude Reserve | $400 annual fee, but $375 in travel credit + 50K points \\ [[https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/#US_Bank_Altitude_Reserve_8211_50000_Points|Doctor of Credit]] \\ Approved July 2019\\ Apply for Global Entry on receipt, wait to churn on tax payment \\ {{ :everyday:money:lounge_directory.pdf |Priority pass lounges}} (4 free for cardholder, 4 for guests) $28 value each \\ flight on same day | **Cancelled July 2020, supposedly posted annual fee is cancelled** \\ Sarah 200708026136 | 9516 |
 ==== On Deck ==== ==== On Deck ====
 Maybe I just want to just save up for Chase 5/24 for FI! Maybe do one good card a year for travel, otherwise do cash quarterly tax payments. Most of the cards only give .5c/point for cash and they're just not as good as chase. Maybe I just want to just save up for Chase 5/24 for FI! Maybe do one good card a year for travel, otherwise do cash quarterly tax payments. Most of the cards only give .5c/point for cash and they're just not as good as chase.
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 ** Can also sign up for several smaller cards... ** ** Can also sign up for several smaller cards... **
 ^ Name ^ Amount ^ Notes ^ ^ Name ^ Amount ^ Notes ^
-| First Tech CC's | $2000/$300 | Rejected Jan 2020, no reason |+| First Tech CC's | $2000/$300 | Rejected Jan 2020, <del>no reason</del> The usual \\ Length of time revolving account established \\ Lack of recent installment loan \\ Too many inquiries last 12 months \\ Length of time accounts have been established \\ Too many accounts recently opened |
 | [[https://www.doctorofcredit.com/discover-it-miles-now-offering-a-100-referral-bonus-double-cash-back-first-year/|Discover It Miles]] | $0/$100 referral + 3% | Rejected Jan 2020 | | | [[https://www.doctorofcredit.com/discover-it-miles-now-offering-a-100-referral-bonus-double-cash-back-first-year/|Discover It Miles]] | $0/$100 referral + 3% | Rejected Jan 2020 | |
 | Keep a paid off travel card on hand for surprise trips? One with no annual fee | | |  | Keep a paid off travel card on hand for surprise trips? One with no annual fee | | | 
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 | <del>[[https://www.doctorofcredit.com/penfed-pathfinder-rewards-american-express-review-3x-travel-25000-point-sign-bonus/|PenFed]]</del> Must be military | $2500 / $220 in gift cards + $100 in airfare. | | | <del>[[https://www.doctorofcredit.com/penfed-pathfinder-rewards-american-express-review-3x-travel-25000-point-sign-bonus/|PenFed]]</del> Must be military | $2500 / $220 in gift cards + $100 in airfare. | |
 | [[https://www.elements.org/personal/credit-cards/|Elements Financial]] | $1000/$200 | Applied. Need 10 payments totaling $1000. Also savings account active with direct deposit. No closing before 6 months. Not a problem. \\ **Denied Oct 2019** \\ Lack of recent installment loans \\ Too many inquiries & lack of time opened \\ Time since most recent account opening is too short | | [[https://www.elements.org/personal/credit-cards/|Elements Financial]] | $1000/$200 | Applied. Need 10 payments totaling $1000. Also savings account active with direct deposit. No closing before 6 months. Not a problem. \\ **Denied Oct 2019** \\ Lack of recent installment loans \\ Too many inquiries & lack of time opened \\ Time since most recent account opening is too short |
-| [[https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/| Amex Blue Cash]] | $1500?/$200 | **Denied Oct 2019** \\ The number of creditors who have reviewed your credit report.\\ The length of time you have been a customer with American Express is too short.|+| [[https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/| Amex Blue Cash]] \\ Also cash magnet card | $1500?/$200 | **Denied Oct 2019** \\ The number of creditors who have reviewed your credit report.\\ The length of time you have been a customer with American Express is too short.|
 | US Bank FlexPerks Travel Rewards Visa | $2000/$375 travel | No annual fee 1st year | | US Bank FlexPerks Travel Rewards Visa | $2000/$375 travel | No annual fee 1st year |
 | Wells Fargo Cash Wise | $500/$150 cash | No annual fee. Eligible in ... 15 months ... Nov 2020  | | Wells Fargo Cash Wise | $500/$150 cash | No annual fee. Eligible in ... 15 months ... Nov 2020  |
everyday/money/credit_cards.txt · Last modified: 2020/08/19 22:30 by admin