Hard inquiries are a short term ding on your credit score, but the net effect

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Feb 21, 2018
11:40:40am

Skeptical Optimist All-American

Hard inquiries are a short term ding on your credit score, but the net effect

long term is a higher score.

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Skeptical Optimist

Previous username: workindev
Bio page: Skeptical Optimist
Joined: Aug 2, 2006
Last login: Apr 26, 2024
Total posts: 79,016 (4,235 FO)

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Messages

Author

Time

I've made $1500 just on credit card signup bonuses. That doesn't even include

2/21/18 11:12am

Very neat.

2/21/18 11:13am

enlighten us.

TPcoug

2/21/18 11:14am

Breakdown (from memory):

2/21/18 11:22am

so hows your credit score held up? LOL all those hard inquires might hurt

TPcoug

2/21/18 11:26am

Not much. When you open a new account, your credit limit shoots up (esp. with

2/21/18 11:29am

Meh, I churn credit cards and sign up for 4 or 5 a year. I have easily

Ozymandias

2/21/18 11:31am

Hard inquiries are a short term ding on your credit score, but the net effect

Skeptical Optimist

2/21/18 11:40am

Don’t really have that impact mine is up in the mid 800s actually gone up

cougarfann888

2/21/18 11:48am

you're playing small ball and you'll never be able to get a chase card again

Mayor of Cougartown

2/21/18 11:27am

This is where I'm at.

Wadds

2/21/18 11:29am

Yeah, Chase denied me Freedom Preferred 2X

2/21/18 11:31am

not that I'm not proud of the hustle and the exploitation tho.

Mayor of Cougartown

2/21/18 12:04pm

I have easily made over 10k on signup bonuses between my wife and I

cougarfann888

2/21/18 11:17am

You probably have some with annual fees.

2/21/18 11:22am

The only ones with annual fees that I have are the sapphire reserve

cougarfann888

2/21/18 11:24am

I need to look into downgrading so my total credit limit doesn't go down when I

2/21/18 11:25am

Yeah downgrade is usually better but if you don’t have a large balance on

cougarfann888

2/21/18 11:27am

I consider points and miles a hobby so I have done lots of research

cougarfann888

2/21/18 11:28am

That's an awesome hobby.

crack

2/21/18 11:30am

Assuming you have other cards with that company ask them to move the

JuicyJam

2/21/18 11:53am

Most annual fees are waived the first year and even if they aren't a $95 fee

Ozymandias

2/21/18 11:33am

And have never paid a dime in interest

cougarfann888

2/21/18 11:22am

Credit card companies hate him!

AndyDwyer

2/21/18 11:20am

We just paid for a good chunk of a trip to Disneyworld though Chase Reserve -

crack

2/21/18 11:25am

I like the bonuses for opening checking accounts- $300 from Chase/$400 Key

DC12

2/21/18 12:07pm

Which has equaled 5-10 completely free overseas trips for me and my fam!

TheLoneCougar

2/21/18 12:16pm

2 Chase Sapphire Reserves paid for 7 tickets to Hawaii and 1 ticket to Texas,

CougarAndMerlin

2/21/18 1:40pm

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