Credit Maintenance

sltyler1 · ‎10-13-2014

Hey Community,

Just curious on thoughts of keeping my credit working for me. I have a good chunk of the rewards cards as you can see below. Currently going back to school and working part time at $15/hr and I'm 23. Just opened the BarClayCard Arrival this summer, so planning on waiting until next summerish to even think about any new potential cards. Have 6 hard pulls on my credit and about 4 or so should be dropping off by next summer. FICO score listed at 755 and Credit Karma lists it at 758.

Just curious on some thoughts, I know there are a million threads like this, just looking for more custom thoughts.

Thanks for your time and helpfullness of this entire forum!

Make your money work for you.

Discover (20,000 CL), Chase Freedom (8,000 CL), American Express Blue Cash (23,000 CL), Amazon Store Card (5,000 CL), Citi Double Cash Back (10,500 CL), & Barclaycard Arrival (13,000 CL). Also authorized user on Kohls Card (1,000 CL), another Discover card (9,000 CL), & Angel Card (1,150 CL).

twist7d7 · ‎10-13-2014

Are your cards not meeting your needs/wants?

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015

flawesome · ‎10-13-2014

I don't know what to tell you other than you are doing well

Just keep it up(and get utilization low before apping) and you'll nab whatever card/s you want next summer easily.

sltyler1 · ‎10-13-2014

Just like to think ahead and keep the cards working for me

Make your money work for you.

Discover (20,000 CL), Chase Freedom (8,000 CL), American Express Blue Cash (23,000 CL), Amazon Store Card (5,000 CL), Citi Double Cash Back (10,500 CL), & Barclaycard Arrival (13,000 CL). Also authorized user on Kohls Card (1,000 CL), another Discover card (9,000 CL), & Angel Card (1,150 CL).

sltyler1 · ‎10-13-2014

Thanks, yea working on paying Arrival card off, shouldn't be too bad. Threw upcoming honeymoon on it for cashback bonus.

Make your money work for you.

Discover (20,000 CL), Chase Freedom (8,000 CL), American Express Blue Cash (23,000 CL), Amazon Store Card (5,000 CL), Citi Double Cash Back (10,500 CL), & Barclaycard Arrival (13,000 CL). Also authorized user on Kohls Card (1,000 CL), another Discover card (9,000 CL), & Angel Card (1,150 CL).