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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Credit card wish list (phase 2)

[ Edited ]

No harm in thinking ahead to my next mini app spree after refi around June.  By then I expect the following:  1. I'll be 15 months past my last late, 2. I'll have a CC with over 5k limit (AMEX Delta/Walmart and maybe NFCU); and 3. I'll have scores around 680 EQ, 710 TU, 700+ EX.

 

These are my cards I'm targeting in my next phase of rebuild.  Let me know if yall see any glaring problems or omissions on my part.

 

1. Chase Sapphire (maybe Slate if I'm not progressed enough for this one)

2. AMEX BCE or SPG (not sure on this one)

3. Citi Forward

4. Some kind of Discover card (suggestions?)

5. Barclay card? (not a need so will probably get the axe)

 

Cards I currently have:

 

1. Cap1 Secured 1.4k limit (will deposit enough to have 2k limit)

2. WF Secured 700 limit    (will deposit enough to have 2k limit)

3. AMEX Zync NPSL

4. AMEX Delta 2k limit     (will go for 3x CLI in late Nov)

5. Walmart Discover 1.8k limit  (expected CLI via soft pull in late Jan 2013)

6. Chase Amazon 2k limit

7. Chase Freedom 1.5k limit

(8) I'll be eligible for NFCU next week.  I'll either have card in early Oct. or will app for it after refi.

 

 

EDIT:  THIS WAS MY 1000TH POST !!!

 

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Epic Contributor
Posts: 28,563
Registered: ‎10-23-2007
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Re: Credit card wish list (phase 2)

Why bother with increasing the secured CL? I would close the Capital One and if you bank with Wells or something, maybe keep.

Discover, have you tried the pre-qual? you could probably get now... More or the new "it" I like the "it" but not sure it's really different from more but either way, newest out, I like it better! lol

and I would say Navy Credit Card and Navy Nav Check for sure. what about refi with them?

I may have left the garden 06/20/2016 Smiley Tongue
Partner Joined Garden 04/11/2016
Regular Contributor
Posts: 206
Registered: ‎12-20-2010
0

Re: Credit card wish list (phase 2)

Sounds Good brother,

 

My wish list includes Chase Freedom, USAA World, Discover More,and SDFCU Visa in that order.  Once all my inquiries fall off its on!


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Credit card wish list (phase 2)

I posted this in another thread but heyyy...I'll post it again here too! LOL.

 

Cards I'm thinking of applying for in a few months are: (after I lose the 2010 INQs - and my most recent credit info begins to report)

 

Amex Blue Cash

Chase Freedom or BofA Cash Rewards

Citi Forward (5th time LOL sad. Now I must have it!)

 

They really need to have one super awesome card with all the features I want on one then I wouldn't have sooo many!! Though I did get a preapproval offer from AMEX for their gold card but me no likey AFs...lol

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)






Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
0

Re: Credit card wish list (phase 2)

[ Edited ]

Seems like discover is offering some deals around here (new england) 

 

the only thing im really wishing is for an amex revolover. 

other then that im happy with my freedom and store cards(that are sock drawered)

only card that i have that has an af is the zync thats waived for the first year. 

 

might get a discover it, but that wont be at least until 2014

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Regular Contributor
Posts: 242
Registered: ‎01-21-2012
0

Re: Credit card wish list (phase 2)

I'd get rid of my 1-2-3 and be very happy with a BCP.
Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
0

Re: Credit card wish list (phase 2)

The only card that is currently out of reach (without some shifting around) is a JPM Palladium card. If they increase the benefits in the next few years, then I'll move over 250k to CPC. Until then I'm not sure if the benefits are really worth the cost, other than the wow-factor.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Regular Contributor
Posts: 140
Registered: ‎05-30-2011
0

Re: Credit card wish list (phase 2)


Duncanrr wrote:

No harm in thinking ahead to my next mini app spree after refi around June.  By then I expect the following:  1. I'll be 15 months past my last late, 2. I'll have a CC with over 5k limit (AMEX Delta/Walmart and maybe NFCU); and 3. I'll have scores around 680 EQ, 710 TU, 700+ EX.

 

These are my cards I'm targeting in my next phase of rebuild.  Let me know if yall see any glaring problems or omissions on my part.

 

1. Chase Sapphire (maybe Slate if I'm not progressed enough for this one)

2. AMEX BCE or SPG (not sure on this one)

3. Citi Forward

4. Some kind of Discover card (suggestions?)

5. Barclay card? (not a need so will probably get the axe)

 

Cards I currently have:

 

1. Cap1 Secured 1.4k limit (will deposit enough to have 2k limit)

2. WF Secured 700 limit    (will deposit enough to have 2k limit)

3. AMEX Zync NPSL

4. AMEX Delta 2k limit     (will go for 3x CLI in late Nov)

5. Walmart Discover 1.8k limit  (expected CLI via soft pull in late Jan 2013)

6. Chase Amazon 2k limit

7. Chase Freedom 1.5k limit

(8) I'll be eligible for NFCU next week.  I'll either have card in early Oct. or will app for it after refi.

 

 

EDIT:  THIS WAS MY 1000TH POST !!!

 

 


Is you go for the Chase Sapphire Preferred your going to want a CL of over $5,000 on a diffrent card before you apply. They like to see you've dealt with larger cards before because they're minimum CL is $5,000



Equifax Fico (Citi)- 797 (7/4/16)
Transunion (Credit Karma)- 813 (7/4/16)
Experian Fico (Amex)- 777 (7/4/16)
Vantagescore (Alliant)- 808 (7/4/16)
Member
Posts: 7,339
Registered: ‎12-11-2011
0

Re: Credit card wish list (phase 2)

If he gets his 3x cli from amex he'll be at 6k, but from what ive heard amex and chase are mortal enemies. So idk how that works.
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Credit card wish list (phase 2)

Amex should be over 5k and Walmart should also. If I pull trigger on NFCU that should also be over 5k.

Once I get these cards I'm closing cap1 and will move those funds over to WF. I have savings there and they are more likely to unsecure card. Funds will stay there in savings.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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