PhDarien

6 Contributions 175 People Helped

Member Since: November 2014

About Me: A man that jacked up my credit younger and am now much better in life. I am utilizing credit cards correctly now and I would like to help others with my experience.

Most Helpful Contribution

Capital One® SavorOne℠ Cash Rewards Credit Card

Mar 08, 2018
Great card for those who eat.(Everyone)
Helpful to 79 out of 86 people

I upgraded an old quiksiliver one credit card to this one.  Doing my own calculations, it seems it’s better for me to have this due to the fact that I spend money on food more than anything else.  Love the dual category of food purchases.  I wish it was 3% for both and 2% on gas.  

I didn’t get the signup bonus because I upgraded a card instead of apply for a new one.  Im in the middle of house shopping and taking on a hard inquiry for $150 is nothing.  Now I don’t have to pay that annual fee on the other card.  My credit has shot up tremendously over the years and I just never changed anything about that card. 

Activity (6 Total Contributions)

Chase Freedom Unlimited®

Jan 02, 2019
My catch all card
Helpful to 23 out of 23 people

This is what all of my bills and autopay are set up on.  I value Chase points more than any reward point system out there.  My Chase Freedom is the workhorse and the Sapphire Res is the premier card.  This is my all around card when I’m earning Chase UR points.  Great keeper card for the long haul.  

Capital One® SavorOne℠ Cash Rewards Credit Card

Mar 08, 2018
Great card for those who eat.(Everyone)
Helpful to 79 out of 86 people

I upgraded an old quiksiliver one credit card to this one.  Doing my own calculations, it seems it’s better for me to have this due to the fact that I spend money on food more than anything else.  Love the dual category of food purchases.  I wish it was 3% for both and 2% on gas.  

I didn’t get the signup bonus because I upgraded a card instead of apply for a new one.  Im in the middle of house shopping and taking on a hard inquiry for $150 is nothing.  Now I don’t have to pay that annual fee on the other card.  My credit has shot up tremendously over the years and I just never changed anything about that card. 

American Express® Gold Card

Jan 02, 2019
I cheat on my Sapphire Reserve with this
Helpful to 27 out of 28 people

Excellent card.  The bonus categories speak for themselves.  If only it allowed worldwide restaurants and grocery stores would I give it a 5.  Some of us in the military or on travel are going to be eating out more than usual.  Earning only 1 MR point is unsatisfactory in that regards.  Got approved after being prequalified for the 50K bonus and with only $1K minimum spend instead of 25K and $2K min.  I link this to my delta account for earning SkyMiles when I eat out just like the CSR is linked to my united account.  Get this card because it’s good and get it because the annual fees are waived for military members.  All the perks with no malarkey.  

Chase Sapphire Reserve®

Jan 02, 2019
My #1 of 11 CC’s
Helpful to 20 out of 21 people

GET THIS CARD!

If you’re reading this, chances are that you’ve done some research and seen some YouTube videos about it already.  If you can’t easily get your $300 travel credit, the points and miles hobby isn’t for you.  I wouldn’t even recommend the CSP.  This has benefited my family and I in so many ways.  4 booked flights for free.  2 hotel stays and lounge access.  All with no annual fee.  If you’re in the military the annual fees and authorized user fees are voided.  After I get out, I’ll still keep this card considering it’s not blown out of the water by then.  It’s worth it with the fee, so you know it is without it.  

Capital One® Savor® Cash Rewards Credit Card

Jan 02, 2019
Grandfathered
Helpful to 26 out of 29 people

I got grandfathered in after product changing to the original savor from a quiksilver .  No bonus for me.  While this is an amazing card, I don’t use it at all besides the entertainment portion.  My AMEX Gold gives the 4% dining and supermarkets, which is where this should’ve been if it’s for foodies.   My Sapphire Reserve gives 3% back, but the points are worth more.  

Chase Sapphire Reserve®

Jan 22, 2019

You don’t do anything. If you’re approved after September 2017, the MLA(Military Lending Act) doesn’t allow any interest rates above 34% I believe. These annual fees are considered to be interest rates somehow initially and thus the fees are waived. Like I said, I was willing to pay for them.