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Looking 2 Trim Down Number Of Cards

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Anonymous
Not applicable

Re: Looking 2 Trim Down Number Of Cards

Keep the Citi card. Citi will be offering free EQ FIFO score next year.

 

Message 11 of 24
Anonymous
Not applicable

Re: Looking 2 Trim Down Number Of Cards


@Anonymous wrote:

Keep the Citi card. Citi will be offering free EQ FIFO score next year.

 


Might as well keep em all and dump the Slate and Amex in a year when the 0% runs out.

 

No one is impervious to life, OP.

Message 12 of 24
Imperfectfuture
Super Contributor

Re: Looking 2 Trim Down Number Of Cards


@Anonymous wrote:

@Anonymous wrote:

Keep the Citi card. Citi will be offering free EQ FIFO score next year.

 


Might as well keep em all and dump the Slate and Amex in a year when the 0% runs out.

 

No one is impervious to life, OP.


This is true.  But saving an emergency fund on the side is good also.

Signature needs updating
Message 13 of 24
Anonymous
Not applicable

Re: Looking 2 Trim Down Number Of Cards


@Imperfectfuture wrote:

@Anonymous wrote:

@Anonymous wrote:

Keep the Citi card. Citi will be offering free EQ FIFO score next year.

 


Might as well keep em all and dump the Slate and Amex in a year when the 0% runs out.

 

No one is impervious to life, OP.


This is true.  But saving an emergency fund on the side is good also.


Good, but an emergency fund only goes so far. I have an emergency fund worth half of what I bought our rental for and I don't think it's enough. Like I said, Life happens....Like me having to replace the A/C Unit in said rental at a cost of $5,800. Smiley Frustrated

Message 14 of 24
chalupaman
Super Contributor

Re: Looking 2 Trim Down Number Of Cards


@Anonymous wrote:

Keep the Citi card. Citi will be offering free EQ FIFO score next year.

 


Now if only there was a CC issuer that offered free EX scores. It always seems to be TU stuff.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 15 of 24
Anonymous
Not applicable

Re: Looking 2 Trim Down Number Of Cards


@chalupaman wrote:

@Anonymous wrote:

Keep the Citi card. Citi will be offering free EQ FIFO score next year.

 


Now if only there was a CC issuer that offered free EX scores. It always seems to be TU stuff.


FNBO.

 

I thought Citi was offering EX scores too!!

 

AMEX needs to jump on this bandwagon and at least give charge card members a free monthly creditsecure report.

Message 16 of 24
Imperfectfuture
Super Contributor

Re: Looking 2 Trim Down Number Of Cards


@Anonymous wrote:

@Imperfectfuture wrote:

@Anonymous wrote:

@Anonymous wrote:

Keep the Citi card. Citi will be offering free EQ FIFO score next year.

 


Might as well keep em all and dump the Slate and Amex in a year when the 0% runs out.

 

No one is impervious to life, OP.


This is true.  But saving an emergency fund on the side is good also.


Good, but an emergency fund only goes so far. I have an emergency fund worth half of what I bought our rental for and I don't think it's enough. Like I said, Life happens....Like me having to replace the A/C Unit in said rental at a cost of $5,800. Smiley Frustrated


Total agreement.  And those 0% options, allow one to add to savings while paying off said life happens.  Though I don't think I will be applying for a 0% perma card, lack of usage might get it closed (force of habit having lived successfully with financial growth for 5+ years cash only).    Hope your tenants pay you enough. Smiley Frustrated

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Message 17 of 24
Anonymous
Not applicable

Re: Looking 2 Trim Down Number Of Cards

It's EQ. Now, I can dump DCU.

Message 18 of 24
9CLINE
Valued Contributor

Re: Looking 2 Trim Down Number Of Cards

Thanks all so many good choices,,,I knew the experts here would give me the best options....

Hadn't thought about emergencies....

Thanks all....Smiley Wink


Message 19 of 24
DigitalArk
Valued Contributor

Re: Looking 2 Trim Down Number Of Cards


@Anonymous wrote:

Keep the Citi card. Citi will be offering free EQ FIFO score next year.

 


Is it really EQ FICO? If so, I can close my DCU accounts.

Message 20 of 24
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