Author Topic: How Many Credit Cards Do You Have?  (Read 1278500 times)

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Offline michigancat

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Re: How Many Credit Cards Do You Have?
« Reply #11775 on: July 01, 2025, 10:06:28 AM »
what card should I get instead of CSR now that it's dumb? I haven't been churning, just rolling with the CSR for years.

Offline pissclams

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Re: How Many Credit Cards Do You Have?
« Reply #11776 on: July 01, 2025, 10:07:47 AM »
CSR for business.....200k UR bonus with a $30k spend in 6 months.  Just got this and am working on cancelling our Ink.  Converted our personal CSR to preferred to let the business pay the high annual fee instead of paying it on our personal side.
I saw that this morning, contemplating making the jump


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Offline Phil Titola

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Re: How Many Credit Cards Do You Have?
« Reply #11777 on: July 01, 2025, 11:12:14 AM »
what card should I get instead of CSR now that it's dumb? I haven't been churning, just rolling with the CSR for years.

Airline / hotel specific one? I just got the big boy AA citi card as I was tired of being out of the game and my chase time is a ways off. Cap1 and Citi general cards all seem pud

Offline michigancat

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Re: How Many Credit Cards Do You Have?
« Reply #11778 on: July 01, 2025, 11:21:33 AM »
what card should I get instead of CSR now that it's dumb? I haven't been churning, just rolling with the CSR for years.

Airline / hotel specific one? I just got the big boy AA citi card as I was tired of being out of the game and my chase time is a ways off. Cap1 and Citi general cards all seem pud
I would rather have a general everyday card

Offline IPA4Me

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Re: How Many Credit Cards Do You Have?
« Reply #11779 on: July 01, 2025, 12:12:32 PM »
My daily driver is the csp. Hyatt card for my hotel stays. I haven't churned in a long time.

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Offline Stupid Fitz

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Re: How Many Credit Cards Do You Have?
« Reply #11780 on: July 01, 2025, 12:20:15 PM »
My daily driver is the csp. Hyatt card for my hotel stays. I haven't churned in a long time.

Sent from my moto g stylus 5G (2022) using Tapatalk

same for me. I will churn the SW cards every two years with Mrs SF to keep the companion pass, but that's about it for me. Like Rusty, I like to have a mostly central spot for points that I can move around. Since I don't stay at Marriott anymore for work, I use Hyatt mostly for hotel. I try and use SW to fly since I almost always have a companion pass. Outside of those two, I just grab flights that are the most cost effective, usually through Chase. I have room to grab another card or two, I can never decide on which is the best deal for me so I usually just sit tight.

Offline Phil Titola

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Re: How Many Credit Cards Do You Have?
« Reply #11781 on: July 01, 2025, 05:13:29 PM »
what card should I get instead of CSR now that it's dumb? I haven't been churning, just rolling with the CSR for years.

Airline / hotel specific one? I just got the big boy AA citi card as I was tired of being out of the game and my chase time is a ways off. Cap1 and Citi general cards all seem pud
I would rather have a general everyday card

Seems like downgrade to CSP then?

Offline michigancat

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Re: How Many Credit Cards Do You Have?
« Reply #11782 on: July 01, 2025, 07:43:45 PM »
what card should I get instead of CSR now that it's dumb? I haven't been churning, just rolling with the CSR for years.

Airline / hotel specific one? I just got the big boy AA citi card as I was tired of being out of the game and my chase time is a ways off. Cap1 and Citi general cards all seem pud
I would rather have a general everyday card

Seems like downgrade to CSP then?
I think so

Offline ben ji

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Re: How Many Credit Cards Do You Have?
« Reply #11783 on: July 01, 2025, 08:31:37 PM »
what card should I get instead of CSR now that it's dumb? I haven't been churning, just rolling with the CSR for years.

Airline / hotel specific one? I just got the big boy AA citi card as I was tired of being out of the game and my chase time is a ways off. Cap1 and Citi general cards all seem pud
I would rather have a general everyday card

Seems like downgrade to CSP then?
I think so
This is probably what I am going to do. Do I have to call them to downgrade from the CSR to the CSP? Should I apply for the CSP and then cancel my CSR?

Gracias

Offline tdaver

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Re: How Many Credit Cards Do You Have?
« Reply #11784 on: July 01, 2025, 11:47:32 PM »
Decent signup bonus for CSP right now. Try applying before downgrading.  It will give you a warning if you’re not eligible for the bonus and a chance to cancel before running your credit.

Offline steve dave

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Re: How Many Credit Cards Do You Have?
« Reply #11785 on: July 02, 2025, 07:53:59 AM »
they are now allowing you to get both cards so apply for the CSP and get the bonus then cancel CSR after the fee hits and they'll refund it.

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Re: How Many Credit Cards Do You Have?
« Reply #11786 on: July 02, 2025, 07:54:39 AM »
My daily driver is the csp. Hyatt card for my hotel stays. I haven't churned in a long time.

Sent from my moto g stylus 5G (2022) using Tapatalk

same for me. I will churn the SW cards every two years with Mrs SF to keep the companion pass, but that's about it for me. Like Rusty, I like to have a mostly central spot for points that I can move around. Since I don't stay at Marriott anymore for work, I use Hyatt mostly for hotel. I try and use SW to fly since I almost always have a companion pass. Outside of those two, I just grab flights that are the most cost effective, usually through Chase. I have room to grab another card or two, I can never decide on which is the best deal for me so I usually just sit tight.

I think SW is gutting the companion pass as well fyi

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Re: How Many Credit Cards Do You Have?
« Reply #11787 on: July 02, 2025, 08:40:24 AM »
they are now allowing you to get both cards so apply for the CSP and get the bonus then cancel CSR after the fee hits and they'll refund it.
I've had the CSR for like 8 years and haven't churned.

Just applied for the CSP and they said I'm not eligible for the bonus bc I currently have a CSR *and/or* because i've previously received a CSP sign-up bonus (even though it was >4 years ago)
« Last Edit: July 02, 2025, 08:45:34 AM by mocat »

Offline Stupid Fitz

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Re: How Many Credit Cards Do You Have?
« Reply #11788 on: July 02, 2025, 08:47:16 AM »
My daily driver is the csp. Hyatt card for my hotel stays. I haven't churned in a long time.

Sent from my moto g stylus 5G (2022) using Tapatalk

same for me. I will churn the SW cards every two years with Mrs SF to keep the companion pass, but that's about it for me. Like Rusty, I like to have a mostly central spot for points that I can move around. Since I don't stay at Marriott anymore for work, I use Hyatt mostly for hotel. I try and use SW to fly since I almost always have a companion pass. Outside of those two, I just grab flights that are the most cost effective, usually through Chase. I have room to grab another card or two, I can never decide on which is the best deal for me so I usually just sit tight.

I think SW is gutting the companion pass as well fyi


whoa, haven't heard this. would be a bummer. I'm on my second year so was planning on what type of business Mrs SF was going to be in for the application this fall.

Offline pissclams

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Re: How Many Credit Cards Do You Have?
« Reply #11789 on: July 02, 2025, 11:12:49 AM »
they are now allowing you to get both cards so apply for the CSP and get the bonus then cancel CSR after the fee hits and they'll refund it.
I don’t think that has been rolled out yet.


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Offline Phil Titola

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Re: How Many Credit Cards Do You Have?
« Reply #11790 on: July 02, 2025, 07:40:28 PM »
My daily driver is the csp. Hyatt card for my hotel stays. I haven't churned in a long time.

Sent from my moto g stylus 5G (2022) using Tapatalk

same for me. I will churn the SW cards every two years with Mrs SF to keep the companion pass, but that's about it for me. Like Rusty, I like to have a mostly central spot for points that I can move around. Since I don't stay at Marriott anymore for work, I use Hyatt mostly for hotel. I try and use SW to fly since I almost always have a companion pass. Outside of those two, I just grab flights that are the most cost effective, usually through Chase. I have room to grab another card or two, I can never decide on which is the best deal for me so I usually just sit tight.

I think SW is gutting the companion pass as well fyi


whoa, haven't heard this. would be a bummer. I'm on my second year so was planning on what type of business Mrs SF was going to be in for the application this fall.

there was a survey sent out hinting at dropping it and/or only being part of a new 6? tier system and only the top tier getitng it. something like that.

Offline Stupid Fitz

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Re: How Many Credit Cards Do You Have?
« Reply #11791 on: July 02, 2025, 07:53:58 PM »
My daily driver is the csp. Hyatt card for my hotel stays. I haven't churned in a long time.

Sent from my moto g stylus 5G (2022) using Tapatalk

same for me. I will churn the SW cards every two years with Mrs SF to keep the companion pass, but that's about it for me. Like Rusty, I like to have a mostly central spot for points that I can move around. Since I don't stay at Marriott anymore for work, I use Hyatt mostly for hotel. I try and use SW to fly since I almost always have a companion pass. Outside of those two, I just grab flights that are the most cost effective, usually through Chase. I have room to grab another card or two, I can never decide on which is the best deal for me so I usually just sit tight.

I think SW is gutting the companion pass as well fyi


whoa, haven't heard this. would be a bummer. I'm on my second year so was planning on what type of business Mrs SF was going to be in for the application this fall.

there was a survey sent out hinting at dropping it and/or only being part of a new 6? tier system and only the top tier getitng it. something like that.

Hopefully I can snag it one last time before any changes. I think lots of the other changes are coming soon, so it will prob be too late. Guess I need to plan some more stuff until end of year and they become even more like all the other shitty airlines.

Offline Phil Titola

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Re: How Many Credit Cards Do You Have?
« Reply #11792 on: July 02, 2025, 07:56:04 PM »
I currently have it until end of 2026 so I hope it holds on a bit as well. Use it all the time.