PaintsWithAllTheColors
DIS Veteran
- Joined
- Jan 11, 2017
Credit Cards applied for in the last 24 months
03/21 - Chase Freedom (0% interest)
03/21 Citi Diamond Preffered (0% interest)
Secondly we'll want to know a little bit about you. Specifically - what you spend, and what you want to earn!
- What amount of spend would you put on a card monthly (i.e. groceries, gas, insurance, cable, cell phone, other expenses)? A couple of thousand maybe if I were to put all of my own expenses on my cards. Will also put bf's AC equipment on them from time to time (he owns an HVAC company)
- Do you currently payoff your CCs in full every month or do you carry any balances/pay any interest? Pay in full every month
- What airport(s) do you typically fly out of? IAH or HOU
- Do you have a preference of Frequent Flyer program? United or Southwest, but have them all (work travel)
- Does SOUTHWEST Airline service your airport? Yes
- Do you have a Hotel Rewards program preference? I have them all (travel for work), but no preference.
- Do you currently have travel points or miles in any program? Yes, United, Southwest, Marriott, IHG, Westin, maybe one other?
- What at your specific goals for churning credit cards? family trips - I LOVE to travel! We love Hawaii and I travel to Switzerland for work every couple of years and would love to take the family again
- When do you plan to take these trips? I travel several times a year so starting next year might be ideal for paying for trips with points?
- Who does your travel party consist of? family - two parents and one child (16) OR two parents and all four children (adults) with spouses
You've gotten lots of good advice, but something from your first post struck me - you say you are not using the SW card because of the interest rate, but then you said you pay your balance in full each month. You would not pay any interest on charges if you pay them off each month.
Yep, second what Georgina said - i don't even glance at interest rates on any CCs. Why worry about it if it's irrelevant since you pay in full? I would just focus on the best card for your situation (sign-ups, earning potential, what you want to book, etc.) and not stress at all about interest rates