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Valued Contributor
creditnocash
Posts: 2,236
Registered: ‎07-23-2012
0

Re: Chopping block for 2013


jsickz32 wrote:

ill try for a cli on citizens bank cc, if not then its bye bye


just know it will result in a hardpull

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012
0

Re: Chopping block for 2013

i plan on this:

1. BBY store card because it will not grow

2. Zync since i have green 2 charge cards not worth it

3. cap1

4. maybe homdepot 

5. Maybe Jared

 

would like to get CSP maybe....


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Chopping block for 2013


creditnocash wrote:

jsickz32 wrote:

ill try for a cli on citizens bank cc, if not then its bye bye


just know it will result in a hardpull


is it possible to ask for a cli at a branch? my father is good friends with the manager of my local branch.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
creditnocash
Posts: 2,236
Registered: ‎07-23-2012
0

Re: Chopping block for 2013


jsickz32 wrote:

creditnocash wrote:

jsickz32 wrote:

ill try for a cli on citizens bank cc, if not then its bye bye


just know it will result in a hardpull


is it possible to ask for a cli at a branch? my father is good friends with the manager of my local branch.


you can ask for one at the branch but he will just have to call the cc dept. if he doesnt give him the number( the manager can call) 

and then he will talk to them then they will talk to your dad or you. but it wont be a soft pull still.

 

trust me if i knew i would do it. (and tell you how)

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
McArthur
Posts: 249
Registered: ‎12-24-2012
0

Re: Chopping block for 2013

Great thread!

 

2013 Chopping Block:

 

1.  Macy's.  Nice store, but they do take Visa so no reason to keep store card.

 

2.  CapOne.  Will replace with State FCU no FTF.

 

3.  GE PP MC.  Online banking platform sucks.

 

4.  BOA.  Like pulling teeth with those people for every little thing.  

 

5.  2 out of 3 Navy Fed cards.  Don't need so many.

 

6.  1 out of 3 USAA cards.  Don't need so many.

 

7.  Barclays Barnes & Noble.  B&N is on its deathbed anyhow.

 

 

Contributor
RonDawg
Posts: 322
Registered: ‎10-19-2012
0

Re: Chopping block for 2013

[ Edited ]

wow too many to name... I have to say every single department store card I have but the JCPenney account.  

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Frequent Contributor
elaine829
Posts: 273
Registered: ‎10-09-2007
0

Re: Chopping block for 2013

Im going to axe credit one in 2013, its been a long time coming. Also my best buy card because I dont like capital one and they are under capital one now and not hsbc.

Established Contributor
UFGuy2006
Posts: 729
Registered: ‎08-02-2008
0

Re: Chopping block for 2013


RockinRay wrote:

I think I am going to chop a few cards here.... Still thinking about which ones.

 

Would be nice to get to 5 cards - total. Right now I have like 16....


Similar situation here... the problem is I have higher limits on all my cards. Need to get down to a managable number tho...

FICO: EX: 756 (8/14); TU: 758 (9/14); EQ 732 (8/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 2 | Citi X 6 | DCU X 1 | Discover X 1 | Fidelity X 1 | Fifth Third X 1 | PenFed X 1 | PSECU X 1 | Sams Club MC X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1 = 33 Cards

Holding off apps until the end of the year! Wish me luck!
Valued Contributor
maiden_girl
Posts: 2,098
Registered: ‎12-29-2011
0

Re: Chopping block for 2013


UFGuy2006 wrote:

RockinRay wrote:

I think I am going to chop a few cards here.... Still thinking about which ones.

 

Would be nice to get to 5 cards - total. Right now I have like 16....


Similar situation here... the problem is I have higher limits on all my cards. Need to get down to a managable number tho...


DAMN! You have 16 cards? How do you keep track of them all? Spend a little on each a month?

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
UFGuy2006
Posts: 729
Registered: ‎08-02-2008
0

Re: Chopping block for 2013


maiden_girl wrote:

UFGuy2006 wrote:

RockinRay wrote:

I think I am going to chop a few cards here.... Still thinking about which ones.

 

Would be nice to get to 5 cards - total. Right now I have like 16....


Similar situation here... the problem is I have higher limits on all my cards. Need to get down to a managable number tho...


DAMN! You have 16 cards? How do you keep track of them all? Spend a little on each a month?


Don't know about Ray but I have a spreadsheet to ensure I charge something (even a pack of gum) every other month. Its become more of a burden than anything.

FICO: EX: 756 (8/14); TU: 758 (9/14); EQ 732 (8/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 2 | Citi X 6 | DCU X 1 | Discover X 1 | Fidelity X 1 | Fifth Third X 1 | PenFed X 1 | PSECU X 1 | Sams Club MC X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1 = 33 Cards

Holding off apps until the end of the year! Wish me luck!

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