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Is there one more card I should consider???

Contributor

Is there one more card I should consider???

Realistically is there one more elite credit card I should get?  I have been on a pretty good run since Thanksgiving; I have opened the following cards:

 

11/26/12 - BCP opened at $10,000 now at $25,000 with 3XCLI

 

11/28/12 - AMEX PRG

 

2/15/13 - AMEX TU $2,000 (still ticks me off it is so low, but came two weeks after BCP CLI)

 

                All AMEX cards backdated to 1991

 

2/26/13 -Chase Sapphire Preferred $12,000

 

5/1/12 - Chase Freedom CLI from $500.00 to $10,000 CLI happened after opening CSP

 

2/26/13 - Citi Bank Thank You Preferred $10,500

 

2/27/13 - Pen Fed Platinum Rewards Visa $12,000

 

1/15/13 - Capital One CLI from $500 to $5,000 X 2

 

Bank of America, Discover, and a few others are chasing after me hard but I’m just not sure if it’s necessary.  We plan on purchasing a new home over the summer (assuming we can sell ours) and I just want my file to be a worthy as possible.  Scores are around 730 and income is $100,000+

AMEX BCP $26,600 CSP $12,000 Pen Fed Plat Rewards $12,000 Citi Thank You Preferred $10,500 Chase Freedom $10,000
Delta CU $10,000 Cap 1 X 2 $7,500 AMEX TE $2,000
HSN $1,700 Kohls $1,000 BBRZ $700

Starting Score: EQ-592 TU-606
Current Score: EQ-728 TU-730
Goal Score: 725

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10 REPLIES
Frequent Contributor

Re: Is there one more card I should consider???

I love my Discover card!!!!

Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 29,500/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 10,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Valued Contributor

Re: Is there one more card I should consider???

I would say the Amex Unicorn, but you probably wouldn't qualify.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Super Contributor

Re: Is there one more card I should consider???

Check out discover, citi prestige, us bank cash+. That's bout the only few cards left that's as good as or better than the ones you currently have.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Contributor

Re: Is there one more card I should consider???

Those are some pretty nice limits!

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Contributor

Re: Is there one more card I should consider???

What's the Amex unicorn?
Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Valued Contributor

Re: Is there one more card I should consider???


bobvette wrote:

Realistically is there one more elite credit card I should get?  I have been on a pretty good run since Thanksgiving; I have opened the following cards:

 

11/26/12 - BCP opened at $10,000 now at $25,000 with 3XCLI

 

11/28/12 - AMEX PRG

 

2/15/13 - AMEX TU $2,000 (still ticks me off it is so low, but came two weeks after BCP CLI)

 

                All AMEX cards backdated to 1991

 

2/26/13 -Chase Sapphire Preferred $12,000

 

5/1/12 - Chase Freedom CLI from $500.00 to $10,000 CLI happened after opening CSP

 

2/26/13 - Citi Bank Thank You Preferred $10,500

 

2/27/13 - Pen Fed Platinum Rewards Visa $12,000

 

1/15/13 - Capital One CLI from $500 to $5,000 X 2

 

Bank of America, Discover, and a few others are chasing after me hard but I’m just not sure if it’s necessary.  We plan on purchasing a new home over the summer (assuming we can sell ours) and I just want my file to be a worthy as possible.  Scores are around 730 and income is $100,000+


Get some GE cards and Barclay Smiley LOL btw, I love those limits that you have.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor

Re: Is there one more card I should consider???


Bobert22 wrote:
What's the Amex unicorn?

Zync!

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor

Re: Is there one more card I should consider???


bobvette wrote:

Realistically is there one more elite credit card I should get?  I have been on a pretty good run since Thanksgiving; I have opened the following cards:

 

11/26/12 - BCP opened at $10,000 now at $25,000 with 3XCLI

 

11/28/12 - AMEX PRG

 

2/15/13 - AMEX TU $2,000 (still ticks me off it is so low, but came two weeks after BCP CLI)

 

                All AMEX cards backdated to 1991

 

2/26/13 -Chase Sapphire Preferred $12,000

 

5/1/12 - Chase Freedom CLI from $500.00 to $10,000 CLI happened after opening CSP

 

2/26/13 - Citi Bank Thank You Preferred $10,500

 

2/27/13 - Pen Fed Platinum Rewards Visa $12,000

 

1/15/13 - Capital One CLI from $500 to $5,000 X 2

 

Bank of America, Discover, and a few others are chasing after me hard but I’m just not sure if it’s necessary.  We plan on purchasing a new home over the summer (assuming we can sell ours) and I just want my file to be a worthy as possible.  Scores are around 730 and income is $100,000+


If there's nothing you really want, I'd just sit on what you have.  That's a nice lineup--no point in apping for apping's sake.

   
FICO Scores 800+
Established Contributor

Re: Is there one more card I should consider???

If you plan on getting a house this summer, I think you should stop now. You have a good collection of cards.


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500