I have asked questions in here before. But I'm now seriously stepping into this ring after becoming debt-free, with the exceptions of mortgage and car and those'll be in 3 years and 6 months, respectively. I went allllll the way back to page one to layout my details for you:
09/94 – DISCOVER personal
09/18 – CHASE Sapphire Preferred
10/15 – CHASE Disney
01/18 – BOA Alaska Airline ($99/annual)
04/18 – BOA Alaska Airline (for DH, $99/annual)
- What amount of spend would you put on a card monthly (i.e. groceries, gas, insurance, cable, cell phone, other expenses)? Now that the CC’s are zero balanced, put all expenses on CC for points.
- Do you currently payoff your CCs in full every month or do you carry any balances/pay any interest? Recently CC debt free. Paying off balances in full now, every month (unless it’s a large, special purchase)
- What airport(s) do you typically fly out of? Redding or Sacramento, CA
- Do you have a preference of Frequent Flyer program? United
- Does SOUTHWEST service your airport? No. And I have had terrible experiences with SW in general.
- Do you have a Hotel Rewards program preference? No
- Do you currently have any travel points in any program? (if so, which programs and how much) Points with CSP, United, Alaska Air, all minimal since I just started last year with finding this thread.
- What at your specific goals for churning credit cards? (i.e. Disney World Trip, Cruise, European Trip, Cash Back to pay-off a mortgage or student loans, etc. - you can have multiple goals too!) Assist with college tuition, Britain/Ireland/Scotland trip, travel more in general.
Who does your travel party consist of? (Spouse, Kids (& ages), other relatives/friends)
Myself, DH. Possibly for US trip: one kid in college, one in high school.
Obviously, we won't close our Discover. I also am really enjoying the points from the CSP. The Disney card is a lump of coal, but I use it for
Disney store purchases. We'd applied for the AA cards to get free companion flights for our WDW trip in Dec. 2018. Otherwise, we haven't used them. Those are the two I'm considering canceling outright. Thoughts on that?