12-27-2012 11:47 AM - edited 12-27-2012 12:06 PM
As 2012 comes to close, I can't help but sit back and ponder about how far I've come. Around this time last year, I had NO revolving credit and was using a debit card on a daily basis. At this point in time, I've gained over $3500 in revolving credit (thanks to 5 major cards and one store card)
2013 gets me all giddy with excitement because the majority of my baddies will be falling off, and at least one my scores have the possibility of reaching 700 for probably the first time...well...ever.
I have a couple cards in mind for 2013:
If I can get any two of those, it'll be time to consolidate a little. Credit One would be getting the Axe, as well as the other rebuilders (2 @ $500 CL each)
What cards are YOU aiming for next year?
12-27-2012 11:47 AM
CSP and Delta AMEX Platinum
12-27-2012 11:50 AM
Chase Ink, Hyatt, and any AMEX
12-27-2012 11:52 AM
12-27-2012 11:58 AM
Virgin Airlines card.
Any 2 of these. I don't need more than 2 new cards lol
12-27-2012 11:59 AM
I was using prepaid debit cards because I was in Chexsystem. I finally paid off TD Bank in June and got a new bank account with BofA after 5 years or so without a bank account. I also paid off all my other collections and my repo fell off in October.
I finally got my first credit card in July with Capital One and a second with DCU in November.
I plan to get a Walmart CC in January once I get 6 month of history and I'm planning to garden til July.
I'm gonna aim for Amex BCE/BCP and Discover in July. I also wanna try for CSP at the end of 2013
12-27-2012 12:00 PM
My goal is to PC my US Bank Flex Perks Select card over to the Cash+ card next year. Lol.
12-27-2012 12:23 PM
2012: Got most of the cards I really wanted even though I had no history to start with. Very happy with what I have right now and my limits (cards in sig)
2013: There really are only two cards I really want, and I will apply in June after 6 months of being in the garden. The BCE and Freedom, and I might go for the Gold Delta if I am not approved for the BCE, or maybe the SPG. Just depends. I think I will qualify for the Freedom the next time I apply though. And then I'm going into the garden for at least another 6 months to a year. I might want to increase my limits a little bit as well and hopefully with an SP (BOFA to 1,000 and Citi and Discover 500 each to 2k respectfully.)
12-27-2012 12:50 PM
Citi Forward (though I am currently carrying a balance with them on a 0% promo, will pay off before apping for the Forward)
US Bank Cash+
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.