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Established Contributor
sccredit
Posts: 770
Registered: ‎09-14-2012

My Wish List - 1 Year

In the past few months I have opened a number of accounts, PLUS bought a house so I am definitely high on inquiries and new accounts right now!  My AAoA is right at 5 years, so I need to get that up a bit.

 

My new cards are:

Chase Freedom

Citi Thank You

USAA Rewards Amex

USAA Rewards Mastercard

Discover Miles

DCU

Home Depot

GECRB Care Credit

 

Obviously more apps than i needed but truthfully I did not expect to get all of them.

 

Now I am setting my goals for 12 months out:

 

US Bank Cash+ Sig

Chase Sapphire Preferred

Barclays Broncos NFL Sig

 

My scores are all hanging in there, ranging from 706-729 with all new accounts reporting (except DCU).  I figure if I let my current ones age right now, maybe grow a little, and just wait out the next 12 months all should be well next summer when its time to app for these cards.

 

 

Thoughts?  Am I approaching it wrong?

Mortgage $299k/$310k
Autos Loans $49.5k/$60k
Unsecured Lines $157.2k

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DCU FICO 718

Valued Member
Objectivist
Posts: 52
Registered: ‎09-26-2012

Re: My Wish List - 1 Year

[ Edited ]

Nice!

 

My wish list:

 

AMEX Delta Gold Personal (Next week)

AMEX Delta Gold Business (Next week)

 

AMEX SPG (SPRING '12)

 

CITI AA MC (Summer '12)

CITI AA VISA (Summer '12)

 

It'll probably change, but either way it'll be a good year for flyer miles.

 

 


Starting Score: 657
Current Score: 736
Goal Score: 750


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Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012

Re: My Wish List - 1 Year

1. CSP, 2. BCE

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
flowfaster
Posts: 785
Registered: ‎08-30-2011

Re: My Wish List - 1 Year

Why not through the Amex BCE/BCP in there?  Everyone has to eat.

 

Also, unless you need a 0% FTF card, I would set my sight solely on the US Bank CASH+.  That card is not going to last long in it's present form IMHO, so jump on it sooner rather than later.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Established Contributor
sccredit
Posts: 770
Registered: ‎09-14-2012

Re: My Wish List - 1 Year

[ Edited ]

flowfaster wrote:

Why not through the Amex BCE/BCP in there?  Everyone has to eat.

 

Also, unless you need a 0% FTF card, I would set my sight solely on the US Bank CASH+.  That card is not going to last long in it's present form IMHO, so jump on it sooner rather than later.


It's a very long story )over the span of about 6 years) but Amex is on my blacklist for good.  I have cancelled their cards twice over the last 6 years (decided a few months ago to try again and had the same issues) so I have decided that American Express and I just do not get along!  I may jump at the US Bank card sooner rather than later and hope my banker can help me with underwriting.  I actually did not know about it until AFTER I opened the new cards and I have been afraid to apply for it, based on new accounts and inquiries, since then!!! 

Mortgage $299k/$310k
Autos Loans $49.5k/$60k
Unsecured Lines $157.2k

Discover FICO 732
DCU FICO 718

Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: My Wish List - 1 Year

congrats on the house/ new lines. 

 

those are all nice cards. 

(ethier next summer or jan '14)

personally im setting myself on ethier costco true earning or bce. 

 

other then that im good with my chase freedom/ zync/ and bank credit card (get 3% cash back on most used category and 1% on everything else) 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Epcot
Posts: 2,760
Registered: ‎10-10-2012

Re: My Wish List - 1 Year

Let the AAoA and Inquiries age and you are on the right path.

I am aiming for the Chase Disney Card for next year. Perhaps walmart to have a TU score, but I am unsure if adding a walmart card affects how prime lenders view my file.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 780 EX 770 TU 774
App free since 4/11/13
Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: My Wish List - 1 Year


Epcot wrote:
Let the AAoA and Inquiries age and you are on the right path.

I am aiming for the Chase Disney Card for next year. Perhaps walmart to have a TU score, but I am unsure if adding a walmart card affects how prime lenders view my file.

how would they look on it less? 

if it was a discover vs store? 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
isoldmyatlas
Posts: 327
Registered: ‎04-28-2012

Re: My Wish List - 1 Year

Congrats on all your new cards!

 

My only Wish List card for 2013 is the Amex HHonors. I want it soooo bad! 

TU: 751 (1/13/14) | EQ: 732 (11/8/13) | EX: 744 (11/8/13)

Cap1 Quicksilver, $1,750 (4/2012); Discover IT, $4,000 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $10,000 (11/2012); AMEX Blue Cash Everyday, $10,000 (01/2013); Barclaycard Arrival, $5,500 (07/13); Chase Hyatt, $7,000 (09/13)
Valued Contributor
Epcot
Posts: 2,760
Registered: ‎10-10-2012

Re: My Wish List - 1 Year


creditnocash wrote:

how would they look on it less? 

if it was a discover vs store? 


I was thinking along the lines of adding sub-prime cards would make me look more at-risk for prime lenders. I haven't really done much research in this area so I am unsure.


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 780 EX 770 TU 774
App free since 4/11/13

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