Happy New Year everyone! Prior to heading out for the festivities last night (Coldplay / Jay-Z @ the Barclays Center) the USPS delivered a few credit card presents. I had been away for the week in Curacao and so most of the cards from my December App-O-Rama had not yet been delivered. That makes a total of eight cards for December including my second Ink Bold and Sapphire Preferred cards, my previously received Ink Plus card, and the yet to arrive Bank of Hawaii Visa(14 days after being approved).
All told my December churn is worth 350,000 points and requires $20,000 in spend. I anticipate most of that spend to be covered with the help of $500 Vanilla Reload cards. Luckily, I’ve found that the CVS stores in the NYC suburbs seem to stack tons of Reloads (we’re talking 50+ at most locations) while the ones in the city continue to have one or two at most. The NJ and Long Island locations I’ve visited allow only one Vanilla Reload per transaction, but were more than happy to ring one and then another right after. I’ll be sure to rotate my cards and of course make regular purchases as well in order not to set off any alarms. I will be transferring the Vanilla funds to my Bluebird card which I’ll use throughout 2013 to pay for expenses that normally wouldn’t accept credit card payments, including my monthly rent.
Citi Visa – 50,000 after $2500
Citi AMEX – 50,000 after $2500
Chase Ink Bold – 50,000 after $5000 (second card)
US Airways – 40,000 after first purchase (second card)
Chase Sapphire Preferred Card – 40,000 after $3000 (second card)
Hawaiian BoA – 35,000 after $1000
Chase Ink Plus – 50,000 after $5000
Hawaiian Bank of Hawaii – 35,000 after $1000
This was by far my largest AoR ever and I was a little concerned about how my credit scores would be impacted. Prior to the AoR I was just shy of 800, post churn my Transunion score registered a drop of 8 points while my Experian score dropped by 2 points. Eight points is a lot, though I’m not looking to obtain a mortgage or other line of credit any time soon. Additionally, my score is still very close to 800, considered an excellent rating. Get your free TransUnion score from CreditKarma and your free Experian score from Credit Sesame.
It’s also important to track your spending requirements which I do using a simple Excel sheet.
I’ll be beginning my daily Vanilla Reload purchases tomorrow! Check out my previous post for full details on each card and data points regarding prior applications, time elapsed, and total cards with each bank.