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Valued Contributor
Duncanrr
Posts: 2,841
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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Mega Contributor
Creditaddict
Posts: 19,600
Registered: ‎10-23-2007
0

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?

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Regular Contributor
Chaos122
Posts: 204
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 755 Eq 746, Ex 770(psecu)
Goal Score: 780 across the board


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Valued Contributor
maiden_girl
Posts: 2,095
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: 758 (EQ) 741 (EX) 768 (TU) 8/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
creditnocash
Posts: 2,222
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 689 8/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
MontegoMack
Posts: 201
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.
BofA Cash Rewards Signature Visa 5k
Chase Freedom 9k
BBRZ MC 800 (SD)
Valued Contributor
CreditScholar
Posts: 2,300
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.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Contributor
xboxrunner
Posts: 139
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


Experian (CreditSesame)- 823 (8/2/14), 761 (Citi-4/26/13), 823 (Credit.com-8/2/2014)
Equifax Fico (MyFico) Fico- 745 (7/15/11)
Transunion (Credit Karma)- 790 (8/2/14)
Vantagescore (Credit Karma)- 896 (8/2/14)
Vantagescore 3.0 (credit.com)- 805 (8/2/14)
Valued Contributor
jsucool76
Posts: 2,922
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.
Wallet: Capital One Quicksilver 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 3000CL, Walmart Discover: 3500CL, Barclay Arrival: 3500CL, Chase Slate: 1000CL, Discover IT: 2000CL, Citi Forward: 2600CL, Bank Of America Student Travel Rewards: 2700CL, Amex PRG, Citi DoubleCash: 1200CL
Valued Contributor
Duncanrr
Posts: 2,841
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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