Credit Cards

[busywoman]

Nothing until I reach my 2008 goal : 1st Mortgage !!!

Afterwards I will line up my dream cards.

[haulingthescoreup]

Once I hit 720 x2 plus EQ above 700, and if I can GW off at least one late:

1 AmEx charge--probably the greenie (I'm cheap!)
1 AmEx credit--whichever has no BT fee and lowish BT interest
Discover Motiva
one more good BT card

I'm planning remodeling, and I would love to delay putting the expenses on the HELOC, if I can do lower/ 0% interest for a while.

If the economy goes to hell, though, I'm OK, I'll just use the HELOC as planned.

[cheddar]

My 2008 Master Plan:

January: First Amex CLI

March: Join Delta CCU, get the Visa

August: Close Orchard secured

September: Accept Target's Visa upgrade offer

October: Product change - Delta Skymiles to Blue (maybe Blue Cash, but most likely Blue)

I'm still stinging from my Macy's and Hooters denials from a few months ago, and part of me wants to reapply for those cards, just to prove I can get them now.  I know that's not a good reason to apply, though, so I will restrain myself.

[Creditaddict]

for who asked earlier... JcPenney gives out increases very often if you use your card, carry a balance and pay on time. Went from 200-1000-2200-3?00something-4200

Shell - if that's where you get gas, then sure... I just got the business one.

oh and def. go for kays... easy HUGE CL to add to your file!!!

MY 2008 Plans

When my TU finally starts to come around

Hooters, Carnival Seamiles

Wamu if they send me an offer!

hmmm any other ideas?!

[concorduser]

I dont think I need any more cards, may be since I have HSBC Discover now, try to get a real Discover Card. Get some more baddies out of the CR and reach mid 700's

[ccaddict]

Citi, wamu and cccu

[Sylviatob]

For me who knows?

Depends on what stores are having fantastic shoe sales, or purse sales they've got going on at the time! If they are great, knowing me, I'll probably succumb to temptation and go for a store card. grrrr. I hate when that happens.

Bank cards? No clue. Joining a CU is looking good.

But the main priority is getting higher cl's on my existing cards, if possible.

[creditdream]

TheCynicalOne  Thanks for your advise . 

[chiwiseguy]

I only have one card in mind its a regional bank in my area called M&I Bank.  They have a rewards CC that I am dying to get.  The program is great and straight forward, IMHO.  I have accounts with them and have the rewards debt card, so the CC will just add to my rewards!

[chiwiseguy]

Unfortunately they are ULTRA conservative, so I need to get my scores up to be able to app.