All, If you were to choose between the two - would you apply for the CSR or the CSP and why? I'm kinda anxious about double dipping and having three credit cards although with the hurricane house and the new house (and our trip to Disney in July) I know that I could meet that minimum spend amount in the allotted time frame... not saying that I'm not going to do it, but 3 open credit cards?
So I thought you were concerned with opening 3 cards in the same time period and
, right there with you but it's not bad if you have a plan.. and a back up plan...
12??!!
then I saw this and
oh, you mean having 3 cards in general
I can't compete with
@SouthFayetteFan but for most of my life I've had about 10 open cards at any given time. I don't use them all at once, but since they all have specific reasons for opening them I rotate about 4-5 a month (some do gas, some have rotating categories, some are hotel/airline, one's Target so anything target went on that, other's have offers that you have to use the card for). Now that I opened 6 new cards in the last year (oh that's crazy just saying out loud
) I'm up to 14 or 15 open. This is as high as I've been I believe.
Probably doesn't phase me as much because when I first got credit I happened to get 2 cards at the same time. It was the days of paper applications and so I sent 2 or 3 out hoping to get 1 and actually got 2. Like 6-9 months later I followed that up with a 3rd that actually gave easy to use cashback and never looked back it seems
On DISChurners there's a thread for All my Cards. You can read through what people are carrying and what they like about them. If you think you won't faint
I
when I read a couple people's total AF for the year.
ETA: Discombobulated today, forgot to chime in on CSR or CSP. So if you get only one you're locked out of the bonus for either one for 2 years. This is where a Player 2 comes in handy. If you can use the points for travel within the year and take advantage of the 1.5 redemption rate then the CSR makes sense. Or if you planned to keep the card even after the first year then it makes sense to go for the CSR because of the higher earning potential and better redemption. But if not, if this is a long term bonus plan or you were going to transfer the points to partners or something, then personally it doesn't make sense to pay the higher AF right now. In that case I'd get the CSP and then later when ready to redeem for travel Player 2 might pick up the CSR (assuming household transfers are still allowed if you were stock piling). Hopefully that makes sense.