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Goal cards for 2013??

Established Contributor

Re: Goal cards for 2013??


bluesnowman wrote:

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.) 


How many months of history did you have when you apped for Citi Forward and Discover? I read Citi Forward needs at least 1 year of history, that's why I'm not gonna even bother trying to touch that yet.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 11 of 93
Valued Contributor

Re: Goal cards for 2013??

I hope to get a Discover card in Sept after closing on the mortgage in Feb. then in 2014 I will probably try for an AMEX card. I currently have a Orchard (now Cap1) card, a Cap1 cash rewards card, and was conditionally approved for the Freedom last week. Smiley Happy
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 12 of 93
Valued Contributor

Re: Goal cards for 2013??

  • DCU Visa
  • Discover IT
  • AMEX BCE
  • AMEX Green
  • Lowe's GE

fin.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 13 of 93
Frequent Contributor

Re: Goal cards for 2013??

Evil, I opened my first card on April 25th, and I applied for my Citi and Discover cards on October 27th, I got instantly approved for the Forward after they verified a few things with me (address, Social, DOB) and approved me for 1.5k. They pulled EX which had my score at 738 at the time. For Discover they actually pulled my TU report on the 29th (I applied on a saturday night though.) Again was approved for 1.5k and with a TU score of 742 (according to what was sent with cardmember agreement). And no, you don't need at least a year, just 6 months of history, but clean with absolutely little to no baddies and small Utilization (mine was about 3%, after the statement cut on the 26th, that is usually when my BOFA statement cuts, though it varies monthly, especially during the holidays.) I'm currently at 8 months of history, but in June I plan to go for the BCE and the Freedom (I applied for it November at the same time with my PRG, but I got denied because my accounts were not aged long enough) If I don't get approved for the BCE, then I plan to go for the Delta in the mean time and then PC it. I should be able to get the Freedom this time around though. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 14 of 93
Established Contributor

Re: Goal cards for 2013??


bluesnowman wrote:

Evil, I opened my first card on April 25th, and I applied for my Citi and Discover cards on October 27th, I got instantly approved for the Forward after they verified a few things with me (address, Social, DOB) and approved me for 1.5k. They pulled EX which had my score at 738 at the time. For Discover they actually pulled my TU report on the 29th (I applied on a saturday night though.) Again was approved for 1.5k and with a TU score of 742 (according to what was sent with cardmember agreement). And no, you don't need at least a year, just 6 months of history, but clean with absolutely little to no baddies and small Utilization (mine was about 3%, after the statement cut on the 26th, that is usually when my BOFA statement cuts, though it varies monthly, especially during the holidays.) I'm currently at 8 months of history, but in June I plan to go for the BCE and the Freedom (I applied for it November at the same time with my PRG, but I got denied because my accounts were not aged long enough) If I don't get approved for the BCE, then I plan to go for the Delta in the mean time and then PC it. I should be able to get the Freedom this time around though. 


So tempting cuz my reports are all clean......LOL Thanks man


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 15 of 93
Regular Contributor

Re: Goal cards for 2013??

I am going on a mini app spree on June 2013 or September 2013. The cards I have in mine are: 1) Amex BCP, 2) Bankamericard Rewards for Students, and 3) Chase Freedom or CS.

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Message 16 of 93
Established Contributor

Re: Goal cards for 2013??

Started 2012 with a lousy BofA card with high limit but zero perks and a couple of Chase low limits cards. Made a few moves to get  Amex Delta Platinum, Amex Business Gold rewards, Chase Ink Cash, Amex Gold, Delta Reserve Business, Chase Ink Bold and finally Chase Sapphire Preferred. I'm pretty set once I can get a CLI on some of the cards. 

I did get an offer to upgrade my Business Gold to Business Platinum yesterday. Tempted as it's a SP but the fee increases quite a bit. But...

 

2013 card wanted is the AMEX Business Centurion. Yes, it's a want not a need. I don't want or need the annual fees associated with it. I'll hit the annual spend to qualify for invitation but apparently I have to hold the Platinum for a year. 

 

Can I write off the fees as a business expense? 

Message 17 of 93
Frequent Contributor

Re: Goal cards for 2013??

I think you should go for it as long as everything is clean on your reports. Unless you have burned Citi in the past, then maybe you should reconsider. But since you said you have clean reports, go for it! it's a decent card IMHO (although the point valuations are not the best I admit). I still cannot tell if I got the student version or regular version of either card. Because when I called in for Citi, they never asked me to mail them anything student related (student ID, enrollment, etc.) I make 12k currently (2 part time jobs, waiting tables and doing Data entry.) but idk how much Impact it was when I applied. Good luck!

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 18 of 93
Regular Contributor

Re: Goal cards for 2013??

I really want  Chase Sapphire. Does anyone think I will have a good chance by next September 2013 with the following on my CR:

 

1) Three cards (see my sig)

2) Oldest account will be 1 year and 9 months

3) Average age of open accounts: Around 1 year.

4) Ulti will be lower than 10%.

 

Relationship with Chase: 5 years with a good standing checking account.

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Message 19 of 93
Frequent Contributor

Re: Goal cards for 2013??

im aiming for another amex and trying to get my foot bavk in with chase....but i ptomised i eouldnt app til 2014...yea right...lol

Message 20 of 93