Jasper Cash Back Mastercard rewards and benefits It does all of this with no annual fee and no foreign transaction fees. And for self-employed applicants, Jasper uses a unique cash flow-based underwriting model that helps you get approved more easily.īut at the same time, the Jasper Cash Back Mastercard still offers a wide range of features and benefits not typically found on cards that are offered to people with credit problems or little credit history. When reviewing applicants, Jasper doesn’t focus only on credit history, so it’s possible to be approved with fair credit. I may want to hold off on any new personal cards until mid 2024 when two more personal cards drop off.The Jasper Cash Back Mastercard® is designed to be a premium product for people who need to build credit. I'm also temporarily over 5/24 for the next few weeks. Debt management over rewards and to that end I'm not exactly sure what I will app for during 2024 as it may depend on what is available at that time. Then BT the debt around to increase CL within reason. 0% APR cards I find tend to be the more advantageous. Keeping my eye on business card development with Wells Fargo additionally. Bank of America possibly with their cards. I may be looking more the direction of 0% APR Cards with cash back SUBs as a little savings on the purchase over the point earners.īusiness Blue Cash particularly if I can catch it on a high bonus of $500 sounds appealing. However with costs increasing cash back is going to be on the rise. For instance Southwest points were worth 1.28 but moving forward with bookings they'll be worth 1.15. One thing that strikes me going into 2024 is we may be seeing more point devaluations. Writing down my card details and plan helps me to come up with strategies for the short term (~six months), medium term (~one year), and long term (~two years.)Īs we approach the new year, and with the goal of making credit changes a premeditated and mindful decision, what are the planned changes for your card lineup in 2024? But I've also planned for new cards and I'm doing so right now. At times, I've been guilty of the impulsive apps so I'm not pointing fingers. And over-app'ing can be a disruption to improving our finances with the best card for us. Sometimes, chasing after the FOTM card (Flavor of the Month) or the latest, greatest SUB isn't the card we most need. Having a good strategy requires taking inventory of our existing cards, an honest evaluation of our financial picture and needs, and a careful consideration of which credit cards (if any) would be most beneficial. ![]() The more they go over that, the more likely they'll start getting denials or low-limit approvals eventually, and that's regardless of the strength of their profile. As a general guideline, I usually suggest to newer members that slow and steady wins the race, and that planning to add about one new account every six months is a good long-term pacing that will usually keep them within the various lender limitations, especially for those with low-to-medium scores, thinner files or derogatories. Overly-seeking credit can be addictive and counterproductive to finances and FICO. ![]() ![]() We know that's not really the way to build good credit. ![]() Periodically, we may look on with horror (or envy) as someone tries to get away with a monster App Spree. We often remind each other that " Credit is a marathon, not a Sprint," to try to pace ourselves, and to realize that we need to keep some self-discipline in the process. Below are the highlights of my original message: (See these links: >20 212022 2023<.) Again, thanks to for the suggestion of the original thread. We're rapidly approaching the last month and a half of 2023, so it's time to consider our credit and financial plans for 2024! This annual thread began in 2020. It's that time again for what has become a standing My FICO tradition.
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