And my next card should be....

IgnatiusReilly · ‎03-05-2015

Have: CSP 32k. Freedom 17k. Citi TYP 18k. Discover 30k. Amex Gold. (And a Sportsman's Visa so I can use rewards to buy ammo wife doesn't think I need. She has 127 pairs of shoes) Wife has a few store cards. My scores 750ish, wife's 830ish. The CSP is new but AAoA 13 yrs. PIF, util 5%

Waiting for a good bonus offer for Ritz. I was thinking BCP now as it backdates to 87. Thoughts, MyFiconians?

NRB525 · ‎03-05-2015

Yes. If you don't have an AMEX revolver, BCP is as good as any.

The other one to consider is the EveryDay Preferred, that will combine MR points with the Gold. (is it PRG or plain Gold?)

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Aarvard · ‎03-05-2015

@IgnatiusReilly wrote:
Have: CSP 32k. Freedom 17k. Citi TYP 18k. Discover 30k. Amex Gold. (And a Sportsman's Visa so I can use rewards to buy ammo wife doesn't think I need. She has 127 pairs of shoes) Wife has a few store cards. My scores 750ish, wife's 830ish. The CSP is new but AAoA 13 yrs. PIF, util 5%

Waiting for a good bonus offer for Ritz. I was thinking BCP now as it backdates to 87. Thoughts, MyFiconians?

You even count???

03/25/2015 TU 08 765, EX 08 747, EQ 08 757, EQ 04 754.
01/30/2016 TU 08 775, EX 08 752, EQ 08 744
Goal: 780+ across all models.

Hansenmol · ‎03-05-2015

Maybe a hotel card. They come with an AF but it's usually offset with annual free rooms and excellent sign up bonuses.

Gardening
Wells Fargo 08/2010 $5.3k || Valero Gas 07/2012 $750 || CareCredit 11/2012 $5k ||
Citi Forward Legacy 01/2013 $6.4k || Discover It 01/2013 $8.3k || AMEX BCE 04/2013 $20k || Chase Freedom 08/2013 $4k || Sallie Mae Commence WMC 07/2014 $9.5k || Citi Double Cash WEMC 10/2014 $8.3k || Chase IHG WMC $11.2k 02/2017 ||
755 EX, 802 TU, 799 EQ || 24 Years Old || AAoA 3.4 Yrs || 03/10/2017 || Gardening since 02/2017 ||

Anonymous · ‎03-05-2015

I lol'd at the shoe count too, I'm like dang!

takeshi74 · ‎03-06-2015

@IgnatiusReilly wrote:
Waiting for a good bonus offer for Ritz. I was thinking BCP now as it backdates to 87. Thoughts, MyFiconians?

Give us something to work with to narrow down the options. What are your specific needs/wants? You've mentioned a hotel card and a cash back card which really doesn't explain your reasoning. Are free hotel nights and backdating the only things you need/want? Are you not looking for rewards on category spend? Give us a priotized list so we can assess potential cards versus randomly selecting cards and trying to justify them.

Anonymous · ‎03-06-2015

Citi Prestige, just because

IgnatiusReilly · ‎03-06-2015

Thanks for all the responses. We will get the Ritz card when there is another tempting bonus. We like the Ritz and stay at their properties quite a bit. I would like a good rewards program and a good CL. The Amex backdating is a bonus but the BCP seems to be a good card, especially with the 3x cli. I plan to be traveling more next year so I am going to get a Platinum card at the end of the year or whenever they are offering a nice MR bonus. I don't mind fees if there is value in the card and I will be flying where Amex has lounges.

Once I get the two Amex cards, if that is what we do, we are probably all done with cards. I love reading CreditAddict's threads, but that is too much work!

Anonymous · ‎03-06-2015

@IgnatiusReilly wrote:
Have: CSP 32k. Freedom 17k. Citi TYP 18k. Discover 30k. Amex Gold. (And a Sportsman's Visa so I can use rewards to buy ammo wife doesn't think I need. She has 127 pairs of shoes) Wife has a few store cards. My scores 750ish, wife's 830ish. The CSP is new but AAoA 13 yrs. PIF, util 5%

Waiting for a good bonus offer for Ritz. I was thinking BCP now as it backdates to 87. Thoughts, MyFiconians?

There is no such thing as too much ammo.

thelethargicage · ‎03-06-2015

SunTrust Platinum MasterCard