Not under Chase 5/24 until November 2025. What should my plan be in the meantime?

I wanna finish out my Chase Trifecta but I can’t do so until November 2025 because I’m currently at 6/24. In November 2025 I’ll be at 3/2025. The only Chase cards I have right now are the Freedom Unlimited and the Amazon Prime Visa.

So now I’m kinda stuck with figuring out what to do. Should I even go for the trifecta when I can in a year’s time or look towards the other lenders I have and focus on those instead?

The current cards I have are: The Citi Double Cash, The Citi Custom Cash, the AMEX Blue Cash Everyday, the Amex Blue Cash Preferred, the Wells Fargo Autograph, the Capital One Savor, The Chase Freedom Unlimited and the Amazon Prime Visa.

As you can see I can pretty much go into any lender more and I’m wondering if the Chase Trifecta is even my best option. I am currently on team cashback but I also want to have ways to travel eventually as well (which is why I like Chase UR points and Citi Thank You points cause I can do either or.)

If curious about my monthly spend:

Groceries: $300-400
Dining: $500-600 (I’m looking to cut this down a fair amount though)
Gas: $180
Streaming services: $94

EDIT: I should also note my gross annual income before taxes is $45K.

4 days ago, you posted that you were having issues controlling your debt in r/debt. You should not be thinking about getting more credit cards until your debt is under control.

Chase said:
4 days ago, you posted that you were having issues controlling your debt in r/debt. You should not be thinking about getting more credit cards until your debt is under control.

You’re not wrong and I’m still focused on that. I’m just thinking ahead to when I got all that settled.

@Xavi
You said you currently have an existing debt consolidation loan and you didn’t learn your lesson and racked up another 11k in credit card debt. Now, you are ‘thinking ahead’ when you get that all settled. You need to figure out why you are spending beyond your means and get help instead of ‘thinking ahead’ about getting new credit cards, which will ultimately put you back in debt again.

You are focusing on the wrong problem.

@Xavi
Your gross income is $45K. In a previous thread, you said that you were denied for the Venture X because your proportion of account balance(s) to income is too high. So even the credit card companies are telling you that you need to stop applying for credit cards. Therefore, you can’t ‘pretty much go into any lender’.

You need to stop spending on unnecessary things, set a budget and stick with it. Probably just use a debit card for the time being. You have a spending problem. Focus on that.

@LisaMoore
Yeah I need to focus on that first.

Xavi said:
@LisaMoore
Yeah I need to focus on that first.

Bro you are getting raped with 30% interest on multiple cards over 5 figures. You should not be thinking about what is the next credit card. The fact that you are actually signals to me that you have an addiction or very impulsive behavior.

There is no justifying thinking about the next card. You are deep in the hole. In fact, if I were you, I would think about credit card abstinence for a while.

11k in credit card debt on 45k monthly income, terrible decisions on card choices… you need to fix this habit ASAP and the first step is not thinking about another credit card.

@Wyn
Nah you got good points but I’m wondering why you thought I made terrible decisions with my card choices? That seems subjective.

Also, not all the cards are charging me interest. I got promotional APRs. But I’m working to pay them off before those hit.

@Xavi
If one card is compounding interest, then it’s only a matter of time until the rest are compounding interest. You took the 0% APR bait and they fleeced you. Every day you hold off paying it, it grows and grows. How can you work to pay off the 3/4 other cards when the one that has past the deadline isn’t even paid off?

It’s a bad lineup of cards because the benefits overlap and none of them really complement each other. There’s no point in the Chase Unlimited if you have Double Cash and don’t have a Sapphire card. There’s no way you’re optimizing spending across those cards; you probably just put it on the 0% card, which you should be doing if you can’t stop spending responsibly.

What’s the point of having both AMEX BCE and AMEX BCP?

Drue said:
What’s the point of having both AMEX BCE and AMEX BCP?

To be honest it was an impulsive move on my part because I wanted to try out the BCP but didn’t wanna wait until I could upgrade my BCE. I’m gonna cancel one of them when I can.

I did Amex Biz Gold but that’s $10k in 90 days. Otherwise I’d just wait it out.

Lexi said:
I did Amex Biz Gold but that’s $10k in 90 days. Otherwise I’d just wait it out.

But what would you use with the card lineup I have in the meantime?

Xavi said:

Lexi said:
I did Amex Biz Gold but that’s $10k in 90 days. Otherwise I’d just wait it out.

But what would you use with the card lineup I have in the meantime?

Carry the CFU and just go team cash back. I don’t think you have the throughput to make transfer partners worthwhile.

@Lexi
What do you mean I don’t have the throughput?

Xavi said:
@Lexi
What do you mean I don’t have the throughput?

For transfer partners to get you high valuation redemptions, IMO you need at least $2k of natural monthly spend to work with. You have all the cash back cards already, I’d just ride those.

$12k of spend, let’s say you get a generous 4X, what does 48k get you? Three nights at a Hyatt Regency? East coast to London in economy? Weigh that vs $480.

@Lexi
So if I just went with cash back what would you say is the best setup with the cards I have?

Xavi said:
@Lexi
So if I just went with cash back what would you say is the best setup with the cards I have?

https://www.reddit.com/r/CreditCards/s/SSpJ7ZUDFN

Lexi said:

Xavi said:
@Lexi
So if I just went with cash back what would you say is the best setup with the cards I have?

https://www.reddit.com/r/CreditCards/s/SSpJ7ZUDFN

Right but I was wondering if maybe you thought the other cards I had would be good to use too for that.

@Xavi
They each have their multipliers; you know where your money goes better than anyone online. I like to keep it simple: CFU for everything except Amazon.