Here's another question....
Do I have to stay under 5/24 if I decide I want to PC to from the CIP to the CIC. Or is it normally recommended to apply for the CIC as well? (which means I would need to be under 5/24). I'm asking because my 0% cards are about to get hit with fees. I qualify for the BOA 0/0% card again. So I'd like to apply for that and transfer my balances at least once more time before I just pay them off fully. If I apply for that I bump my being under 5/24 back to May 2020. Which I can likely hold off on applying for the CIC until May, there's no rush on getting it. But it means holding off on other personal cards until after then too. I need to hit my $5k spend on the CIP (but Staples will help with that, LOL).
When you PC do you get any of the offers (like the 0% that the CIC offers for a year)? I'm thinking it might just make sense to apply for the CIC and get that offer if I can anyways.
I'm just trying to plan out the cards I'm looking to get next. I don't really see any personal Chase I have to have. I know people love the Hyatt, but I never stay at them. And I never fly SW as I feel like they don't have a ton of direct out of DTW. The cards I'm looking at would be a personal citi AA, barclay biz AA (though they hate me), hilton no fee.
My 5/24 date was 11/21/19, currently my next drop is 5/14/20, then 10/3/20 and 12/15/20. So the nice part is that I have a nice run of clearing coming up, LOL.