Valued Contributor
Posts: 1,867
Registered: ‎03-30-2012

Getting over the hump

I'm firmly planted in the garden right now but of course I'm always thinking of the future.


By this time next year:


  • 2 of 3 baddies will be GONE, GONE GONE! The last one, which is Midland,...I dunno....not having much luck with them. They are a bunch of a-holes and have been calling my cell phone every hour on the hour for the past couple weeks. Speaking of, how the hell did they get my cell number, anyway? That mess is for another thread.
  • My oldest account, opened in February this year, will be almost 18 months old. The other accounts I opened this year will be at least a year.
  • Inquiries will have aged and a couple will have fallen off.
  • Hoping my scores will be at least in the high 600s...EQ being the best

The cards I hold now have AF's, and I really want to trade them for cards with no AF. The limits range from $300 - $500 each, and I have 5 cards. I really want to get a couple new cards that have at least $1,000 CL, with maybe $1,500 being ideal. It'd be much easier to handle and I wouldn't have to pay bi-weekly if I didn't want to.


Just wondering how everyone got over that initial hump of "toy" limits???

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012

Re: Getting over the hump first 2 CCs when i was 18 had a 1k cl(bofa) and 300cl (macys). I didnt apply for another card until i turned 20 and was given a 3k cl for a bofa cash rewards.
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)

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