Well I am beside myself here, my doppelgänger, Ask Sebby, just outlined a much better approach for active duty here, I think his approach to taking on Chase cards is much better, especially for enlisted to build up a relationship with Chase before hitting the high end $450+ cards. It is worth a view of his YouTube guide here. I had assumed everyone was starting with a dual O-4 income with 10+ years of history with Chase and AmEx. Which is not the case with a lot of the readers of this blog.
There has been no love (yet) from his YouTube or his site for my blog or my personal approach found here. It is always interesting to get a perspective from a non-military member. He describes the 5/24 like a bartender that will only serve you 5 drinks max in 2 hours, either beer or shots of liquor. He suggests take the shots first in the first 2 hours, then the beer later since there is plenty of it! Here is his order that I am suggesting now incorporating what he instructs in his video:
- Secure Credit Card from Discover (No AF) for 12 months to establish credit history.
- Freedom or Freedom Unlimited, $500 limit, prepay it to keep utilization low.
- CSR or CSP (then do the CSP to CSR upgrade if rejected) needs $10k minimum limit.
- United Explorer, United Club, SW Priority, Chase Freedom, or Freedom Unlimited
- Chase Hyatt
- Chase IHG
- AmEx Platinum
- Business Platinum
- AmEx Green to Upgrade to Personal Platinum
- SPG Lux
- SPG Personal (choose personal at bottom) then Upgrade to Lux
- Hilton Aspire (choose at bottom)
- Hilton Honors then upgrade to Aspire (Select Honors At Bottom)
- Hilton Ascend then upgrade to Aspire (select Ascend at bottom)
- Delta Platinum
- Delta Reserve (select at bottom)
- Delta Gold (select gold at bottom) then Upgrade To Reserve #2
Keep in mind the restrictions that are outlined here by Frequent Miler for the SPG/Marriott Cards.
It is therefore advised by both myself and Ask Sebby to NOT APPLY for the Marriott Plus Card if you do not have the SPG Lux or SPG Personal first. Unless you want to wait two years to get or or the other. Thanks to Mr. Sebby for the better approach for everyone from E-1 to O-10!