My answer: Sure I do, when I can’t find a card or cards I want or, I’m shut out by the system.
Here is what I know as of today.
My last card applications were 12/10/09 for two Citicards.
They will not give me anymore for 90 days as one was a Business card.
I just got the British Airways card from Chase, so I’m shut out with them for 6 months.
My credit scores are 749 Transunion, 742 Experian and 684 Equifax. My inquiries are correspondingly 12, 11, and 14.
I’ll stay away from Equifax this cycle and get back on track with them in mid-April when I’m ready to do all three credit reporting agencies at the same time. My score is under 700. I want my scores above 700. I practice what I preach.
My credit is one of my most important assets.
For now, I’ll look for Experian and Transunion cards for South Carolina. Off to the Creditboards.com > creditpulls database I go.
Now that I’m here I plug in my state South Carolina and tick the Experian box and leave the creditor name blank. Hit search and up pops: American Express cards and Bank of America cards.
Now lets do Transunion: Up pops Barclays and an Amex card that was pulled by Transunion as the guy had frozen his Equifax account. Lets stay away for now.
So I’ve now got some candidates and will go back and now specify the lender, not tick a reporting agency, and state to see if it still matches. Yep Experian is predominate for Amerian Express and Bank of America cards and Barclays is Transunion.
Let’s go to the Frugal Travel Guy credit card database on the right hand blog column and see if there is any other creditor I want to check: Weak. We only have 25 cards in the database.
Come on folks. If this thing is gonna work, we need a bigger selection of cards. Read the December 21 st post and supply me with the info you have on cards that have good bonuses.
For now, I’ll also check the Pentagon Federal card as I’ve heard good things about their offering and they have been great to Katy and I for short term cash advances and balance transfers. No info listed for South Carolina and Pentagon Federal Credit Union.
More research required. but it looks like a Alaska Airlines business and personal card from Bank of America, the Virgin Atlantic 65K offer, or Asiana Airlines card if I can find that reward chart again.
And for my Amex card (which will be checked by Experian) I think the new Premier Rewards card.
And a Virgin America card from Barclays for a Transunion card. The Spirit Airlines card is worth 3 round trips but no Spirit near me. Airtran moved out of Savannah as well.
So there are my candidates. Now to find the best current card offers, research how I can use those awards if I do decide to apply and then off to application day.
It looks like I’ll be busy when I get home.
IHG® Rewards Club Select Credit Card
- Annual Fee: $49 fee waived for the first year
- Foreign Fees: No
- Card Type: Hotel
The IHG Rewards Club Visa is often cited as one of the most underrated hotel credit cards, with good reason. The official offer is for 70,000 points after $1,000 spent within three months, with the first year’s fee waived. The card comes with an annual free night certificate that can be used at any IHG property, including Intercontinental hotels - making this certificate worth upwards of 50,000 points. This is far more generous than some other hotel cards, which limit the categories in which free night certificates can be redeemed.
Cardholders earn 5 points per dollar at IHG hotels; 2 points per dollar at gas stations, grocery stores, and restaurants; 1 point per dollar everywhere else. Moreover, you’ll get a 10% rebate on award redemptions, up to 100,000 points per year. The card also comes with Platinum status, though that doesn’t get you much with IHG. Still, this is a fantastic card to have in your wallet, with benefits that far outweigh the already low $49 annual fee.
- Earn 70,000 bonus points after you spend $1,000 in the first 3 months of account opening
- Enjoy a free night of card membership at over 4,700 hotels worldwide
- Earn 5 points for each $1 spent at our hotels
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
- Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
- Automatic platinum elite status, as long as you remain a cardmember
- $0 introductory annual fee the first year, then $49