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Feb 21, 2018
11:40
:40
am
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
May 2, 2024
Total posts
79,048 (4,238 FO)
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Messages
Author
Time
I've made $1500 just on credit card signup bonuses. That doesn't even include
BeefNoodleSoup
2/21/18 11:12am
Very neat.
Virginia Ute
2/21/18 11:13am
enlighten us.
TPcoug
2/21/18 11:14am
Breakdown (from memory):
BeefNoodleSoup
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
BeefNoodleSoup
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
BeefNoodleSoup
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.
BeefNoodleSoup
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
BeefNoodleSoup
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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