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My goal cards

Valued Contributor

My goal cards

So I wanted to set down my goal cards and get some feedback.  My goals are very modest considering a lot of the posts here, but as a single mom, I just don't have the kind of disposable income to throw around to make an Amex or csp worthwhile.  I'm in the last two weeks of a bk7, and my plans for 2013 are to both rebuild and save aggressively. 

 

Nfcu trifecta 

walmart

jcp

target

barclays nfl or itunes

amazon

 

Those are the cards i want because i know i will use them regularly, maybe down the line a disco or Costco Amex because lord knows with two teenage football players I spend enough there to make it worthwhile. I hope I can skip cap1, but if navy decides to be conservative with me then I will go that route.  Any thoughts on who I should app with first?  Any others I should condider?  Ideally I'd like to have three cards by the end of the year and then garden the first half of 2014.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 1 of 13
12 REPLIES
Valued Contributor

Re: My goal cards

I also want a Valero gas card, are those easy to get as well?

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 2 of 13
Valued Contributor

Re: My goal cards


starry1 wrote:

So I wanted to set down my goal cards and get some feedback.  My goals are very modest considering a lot of the posts here, but as a single mom, I just don't have the kind of disposable income to throw around to make an Amex or csp worthwhile.  I'm in the last two weeks of a bk7, and my plans for 2013 are to both rebuild and save aggressively. 

 

Nfcu trifecta 

walmart

jcp

target

barclays nfl or itunes

amazon

 

Those are the cards i want because i know i will use them regularly, maybe down the line a disco or Costco Amex because lord knows with two teenage football players I spend enough there to make it worthwhile. I hope I can skip cap1, but if navy decides to be conservative with me then I will go that route.  Any thoughts on who I should app with first?  Any others I should condider?  Ideally I'd like to have three cards by the end of the year and then garden the first half of 2014.


Most store-backed cards are really easy to get...especially Walmart, JCP, and Amazon, since they are GE-backed. However, with GE and with credit card apps in general, try to space out your credit apps. Sometimes applying for too many cards in a short period of time will raise flags with certain lenders (ex: GE with too many of their cards app'd in the same time, Barclay's seeing all your recent inquiries and new accounts).

 

My recommendation? App for Walmart, JCP, and a NFCU account. Why?

 

Walmart - Free FICO monthly score with paperless statements, could be approved or upgraded down the road to a Walmart Discover, growth of CL.

JCP - One of the best reward programs out there. Every $100 each month equals 1 $10 coupon, up to 10 $10 coupons PER MONTH! Okay, so I'm biased because I work at JCP...but if it is your go-to department store, then I HIGHLY recommend it. Also another GE backed card, so the credit limit will grow with you Smiley Happy went from $500 starting in 7/10 to $5100 by 1/13. If I knew about the every 4 statements CLI request ability, I'm sure it would be even higher!

NFCU - always great to start early in your building with them. they will remember you, so down the road when your scores are fantastic, you'll be getting great limits and rates!


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 3 of 13
Established Contributor

Re: My goal cards

NFCU trifecta?

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 4 of 13
Valued Contributor

Re: My goal cards


searchingfor67 wrote:

NFCU trifecta?


 

That seems to be the nickname for the Visa, MC, and NavCheck (which is a line of credit/overdraft protection that reports to the bureaus as a credit card).

 

Thanks for the info on JCP, I really didn't realize they had such a good rewards program, that's just my go-to department store for the boys.  


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 5 of 13
Valued Contributor

Re: My goal cards

Since when? I know i havent been here in weeks but...
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 6 of 13
Valued Contributor

Re: My goal cards


starry1 wrote:

searchingfor67 wrote:

NFCU trifecta?


 

That seems to be the nickname for the Visa, MC, and NavCheck (which is a line of credit/overdraft protection that reports to the bureaus as a credit card).

 

Thanks for the info on JCP, I really didn't realize they had such a good rewards program, that's just my go-to department store for the boys.  


No problem! It is essentially a 10% back card! Racked up $110 worth of coupons from November/December spending due to mostly my mom's christmas shopping XD


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 7 of 13
Valued Contributor

Re: My goal cards

Since when what? Are you talking about Navy or JCP?

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 8 of 13
Valued Contributor

Re: My goal cards


starry1 wrote:
Since when what? Are you talking about Navy or JCP?

Sorry! I was referring to JCP Smiley Happy


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 9 of 13
Valued Contributor

Re: My goal cards

Actually on the jcp site, the rewards look very good for a store card.   I'd post a link, but I'm not sure that's allowed.  Is it an easy card to get?  I know its GE, but some are easier than others.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 10 of 13