New guy soliciting feedback on plan

[tatterz]

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@primechicken wrote:
Great points, thank you!

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No problem

Me, personally, would go for CLI on your prime cards like Freedom and Discover. Amex is great because you can do the 3x CLI and not suffer a HP. With your income, I would say Walmart and Sams Club won't be worth a hp at all

[primechicken]

I think you're right. I really appreciate all the experience shared from different viewpoints. I have been given a lot to think about, and the underlying message I'm hearing seems to be: prioritize, pare down, pick my battles, practice patience. Thank you guys for shooting straight with me and challenging me a bit. It's exactly what I need.

[09Lexie]

Again, welcome to the forum. Don't be a stranger!

[youngandcreditwrthy]

That's so weird LOL...
Oh well...GE must be getting on to our tricks!
Haha just wait two or three months then try again :-) they will eventually work for ya!

[youngandcreditwrthy]

And btw, some of those cards you want have been around for a while... It took me five years to finally get a BCE!
Bah! What a goal! Haha just keep your credit goals in mind.

Regardless of what you want to be approved for, you've gotta get your cred in a position to do it :-)

Good luck again!

[MovingForward_2012]

When I mentioned interest rates, I was talking about rates on mortgages between FHA and conventional. I have high rates on my cards as well but I usually PIF. I agree that once you establish good history with a particular creditor, it is perfectly OK to request an APR reduction.

Thanks for the kuddos! I have been working very hard indeed for several years now (since 2008).

[tatterz]

It might be hard for you now, but just focus on the now instead of what you want to app for in a few years. I unintentionally gardened for 3 years haha and my scores fleww. But now I'm kind of obsessed with my cards and don't want to apply for anything else because I really have all that I need, even though it would be cool to have more cards I wouldn't really use them.

Also, I just read another thread stating that they hit the Luv with Lowes CLI and it was a soft pull so thats very good if true!