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At this point I've secured any card I've been after (see sig) (oh, any it did not come easy thats for sure!!!). At this point I'll prune throughout 2013 when it makes sense and will agressively try to mitigate any annual fees. Here is to 2013!!
@scorebuilder30 wrote:
My goals for 2013 is: Amex, Capital One, and Barclay's NFL Extra Points (Chicago Bears)
I tried my luck with Barclay and I just got approved! $1000 credit limit (highest ever on my report) and I have a closed First Premier card from 2 years ago and student loans reporting as paying as agreed. So I can scratch that one off the list
Go Bears!
2013:
UCU Rewards Platinum MasterCard (through my University Credit union, 5k minimum)
Discover Card
Southwest Rewards/Chase
2014:
Amex
Chase Freedom or Sapphire
Card to drop, my subprime, annual fee, low limit, high apr card, 1.5 years old.
Currently gardening till my fico hits 700.
Wells Fargo Financial Visa 2.4k, BillMeLater (line of credit dosen't report) 2k, Walmart 300, Fingerhut 400, and the aforementioned MC.
Cash+
sapphire prefered
amex green-maybe
penfed -maybe
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!
Chase Freedom
AMEX Blue Preferred
American Express Blue Cash Everyday(no annual fees)
PenFed Platinum Rewards Visa Card (5% on gas all year and 3% at grocery, no AF)
Walmart Discover (Get free TU score every month) (NO AF)
DCU Platinum Visa Card
Care Credit GECRB
GECRB/Banana Republic
MACYS GECRB
Fidelity Amex( gives 2% on all transactions)
My goal is to stay credit or loan inquiry free this whole year. I don't want to apply for another CC, as I have all of the cards I can manage, and need. In fact, I plan to close two of them, and get down to five cards. I'm debating.
@injustifiiable wrote:What cards are YOU aiming for next year?
1. App before the end of Jan for an Amex BCP or BCE.
2. Product change from Freedom or app for Chase Sapphire Preferred. (Hopefully I can PC, my total # of cards is about right.)
3. Upgrade from Cap1 Cash to World Mastercard. (Exec rep promised this would happen at the next review.)
4. PC Orchard card to another TBD Capital One product. (Expect this to occur in Q2, AF is already removed forever.)
If all goes as planned, I should have a nice wallet full of prime cards, without any hit to my AAOA.
@WarJar101 wrote:American Express Blue Cash Everyday(no annual fees)
PenFed Platinum Rewards Visa Card (5% on gas all year and 3% at grocery, no AF)
Walmart Discover (Get free TU score every month) (NO AF)
DCU Platinum Visa Card
Care Credit GECRB
GECRB/Banana Republic
MACYS GECRB
Fidelity Amex( gives 2% on all transactions)
FYI, the Macy's card is issued by DSNB (Department Stores National Bank).