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Hello all, been browsing the forums for a while, picking up all sorts of information as I go along, now I have a few questions of my own.
Right now I have two CC's, a BofA card, 2 years and 9 months old, 100% on time payments, and 5/3rd about 5 months old, 100% on time payments as well.
Limits are 2000 on BofA, which went up from 700 two days ago, and 1000 on the 5/3rd.
I am currently waiting for my scores to update with my current payments and increased limit, which when taken into account my UTI should drop to ~20% or less.
I am currently looking to expand my credit portfolio with one or two more cards, then proceed to sit on them for upwards of a year without any new apps, but I am currently thinking about also getting a small car loan.
My income is roundabouts of 30k a year, single, no kids, I don't do much travel, maybe once a year, so travel cards aren't really needed.
My BofA card is currently getting PC to the Cash Rewards card, are there any cards that you guys would recommend for me? I was thinking maybe the Citi Simplicity, or Chase Freedom, or something along those lines.
Thanks in advance for your valuable input.
@Killerz187 wrote:Hello all, been browsing the forums for a while, picking up all sorts of information as I go along, now I have a few questions of my own.
Right now I have two CC's, a BofA card, 2 years and 9 months old, 100% on time payments, and 5/3rd about 5 months old, 100% on time payments as well.
Limits are 2000 on BofA, which went up from 700 two days ago, and 1000 on the 5/3rd.
I am currently waiting for my scores to update with my current payments and increased limit, which when taken into account my UTI should drop to ~20% or less.
I am currently looking to expand my credit portfolio with one or two more cards, then proceed to sit on them for upwards of a year without any new apps, but I am currently thinking about also getting a small car loan.
My income is roundabouts of 30k a year, single, no kids, I don't do much travel, maybe once a year, so travel cards aren't really needed.
My BofA card is currently getting PC to the Cash Rewards card, are there any cards that you guys would recommend for me? I was thinking maybe the Citi Simplicity, or Chase Freedom, or something along those lines.
Thanks in advance for your valuable input.
Chase Freedom, Discover it and the US Bank Cash+ Signature are great cash back cards
EDIT Also the Cap 1 QuickSilver
Citi simplicity is a pointless card if you don't need bt.
i vote chase freedom and an Amex like BCE
What is BT if you don't mind me asking?
@Wade64 wrote:
@Killerz187 wrote:Hello all, been browsing the forums for a while, picking up all sorts of information as I go along, now I have a few questions of my own.
Right now I have two CC's, a BofA card, 2 years and 9 months old, 100% on time payments, and 5/3rd about 5 months old, 100% on time payments as well.
Limits are 2000 on BofA, which went up from 700 two days ago, and 1000 on the 5/3rd.
I am currently waiting for my scores to update with my current payments and increased limit, which when taken into account my UTI should drop to ~20% or less.
I am currently looking to expand my credit portfolio with one or two more cards, then proceed to sit on them for upwards of a year without any new apps, but I am currently thinking about also getting a small car loan.
My income is roundabouts of 30k a year, single, no kids, I don't do much travel, maybe once a year, so travel cards aren't really needed.
My BofA card is currently getting PC to the Cash Rewards card, are there any cards that you guys would recommend for me? I was thinking maybe the Citi Simplicity, or Chase Freedom, or something along those lines.
Thanks in advance for your valuable input.Chase Freedom, Discover it and the US Bank Cash+ Signature are great cash back cards
EDIT Also the Cap 1 QuickSilver
Also the Amex BCP 6% on Gro and PenFed 5% on Gas
@Killerz187 wrote:What is BT if you don't mind me asking?
Discover it has a free BT card version
@Wade64 wrote:
@Killerz187 wrote:What is BT if you don't mind me asking?
Discover it has a 14 or 18 month BT card version can't remember the lengh of time at the moment
I'm guessing Bt is balance transfer lol
Those all sound like solid cards to apply for, I'll limit them to like two and age them for a while.
@Killerz187 wrote:What is BT if you don't mind me asking?
Balance Transfer.
or the reverse of my dad's initials, but I'm gonna go with Balance Transfer.
Forgot to ask, how long does it take for a CLI to show up on your report? I know the HP hit the day after, is it the same for the new limit or do I have to wait until my next statement pops up