MY CREDIT CARD STRATEGY FOR 2024! (CANADA)
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- Опубліковано 13 жов 2024
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Why not get the Cobalt instead of the Green?
Annual fee
Well explained in under 10 mins ! Just a quick question, can you not carry over the MR points from your Gold card with a cobalt card which has a much higher earn rate and bonus points instead of a green card ? Or do you already have one ?
Great content. I'd love to know how you apply for this many cards every year and not have it negatively impact your credit. I can't imagine applying this much, how do you make it work?
While 'hard checks' do lower my credit score a few points (5-7) every time, the effect goes away within a couple of months. Overall I've actually seen credit score increases after having so many cards because you get an additional 'completed payment' every month. Hope that helps Spencer!
What cards did you use to get that many MR and how long have you been saving them 🤯?
I got the Amex Gold/Platinum/Aeroplan/Green - I started in Feb 2022, so about two years.
Did you have issue with the Air France KLM Brim mastercard? Service ? pts earned? app?
It took me a few emails back and forth with customer service to get the first part of the bonus added to my account, but overall has been pretty decent.
I have the grandfathered RBC Infinite from HSBC as well and I would like to get the sign up bonus again like you plan on doing. Do you plan on cancelling and waiting a few months and then re-applying?
Yeah most likely when the 55k Avion point offer comes out.
@@creditverse also how are you able to sign up for another aeroplan card? Assuming you have before in the past
In theory, you are only allowed to collect one welcome bonus per 'tier' of Aeroplan card, but the enforcement of that has been relatively lax so far. Aeroplan can always choose to tighten up the policy, so your mileage may vary.