LOL, Cred. Thanks for the clarification.
We have the same deal with Chase. Did you know if you open a CC with them and spend 1k you can get another $200, for a total of $600? Not sure if you have to do it all at the same time. We were so over WF (we called them WtF? So many stupid mistakes and all of them a PITA to fix). When Chase opened a branch nearby, we began the long slog of switching banks. Chase has been great so far. The thing that makes me laugh is that every time they see our balance, they want me to talk to their "private" banker. No thanks. We just sold a house and we have plans for that money that don't include retail-priced, high-fee investments, thankyouverymuch.
Based on your additional details, especially the extra Benjamin, I still say go for it. Some folks see credit as evil, others use it as a tool. Looks like we're on the same page.
And, yeah, I understand the mileage thing. We considered a hybrid, but we just don't drive enough to warrant the additional cost. And no, I'm not going to drive a POS car just because someone in a totally different financial situation says I should.