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Officially feeling like I can join the garden with the cards I have.

Frequent Contributor

Officially feeling like I can join the garden with the cards I have.

It's been a couple months since I opened up my most recent card, and I haven't had any kind of desire to app since then, even though I've now started getting preapprovals in the mail as well as online.  I think this means I'm finally comfortable enough with my little card portfolio that I can join the garden.

 

For those of you on phones right now, here is what I have:

Cap1 Newcomers, $750 (4/2012); AMEX Green, NPSL (10/2012); Discover IT, $3500 (10/2012); Chase Amazon Rewards, $1100 (10/2012); AMEX Hilton HHonors, $4000 (11/2012); AMEX Blue Cash Everyday, $4000 (01/2013); Chase Southwest Airlines Rapid Rewards Plus, $6500 (03/2013).

 

The only things I forsee myself doing for the rest of the year are 1) closing my AMEX Green card in September; 2) asking for a 6 month increase on my BCE in July, and 3) possibly asking for a PC or an increase on my Cap1 card through their EO, probably sometime this summer.  I just don't know if they PC the Newcomer's card or not.

 

I want to keep my Experian report free of inqs for the rest of the year so I can get another no annual fee AMEX in January to help age my accounts (my AAoA is 8 months right now).

 

It feels good to be happy with what I have so far!

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 1 of 4
3 REPLIES
Moderator Emerita

Re: Officially feeling like I can join the garden with the cards I have.

You have a nice line up of cc's and the CL's will grow with you! Let me be the first to welcome you to the garden and since its been a couple of months - pick up a nice bronze spade!
Message 2 of 4
Mega Contributor

Re: Officially feeling like I can join the garden with the cards I have.


isoldmyatlas wrote:

It's been a couple months since I opened up my most recent card, and I haven't had any kind of desire to app since then, even though I've now started getting preapprovals in the mail as well as online.  I think this means I'm finally comfortable enough with my little card portfolio that I can join the garden.

 

For those of you on phones right now, here is what I have:

Cap1 Newcomers, $750 (4/2012); AMEX Green, NPSL (10/2012); Discover IT, $3500 (10/2012); Chase Amazon Rewards, $1100 (10/2012); AMEX Hilton HHonors, $4000 (11/2012); AMEX Blue Cash Everyday, $4000 (01/2013); Chase Southwest Airlines Rapid Rewards Plus, $6500 (03/2013).

 

The only things I forsee myself doing for the rest of the year are 1) closing my AMEX Green card in September; 2) asking for a 6 month increase on my BCE in July, and 3) possibly asking for a PC or an increase on my Cap1 card through their EO, probably sometime this summer.  I just don't know if they PC the Newcomer's card or not.

 

I want to keep my Experian report free of inqs for the rest of the year so I can get another no annual fee AMEX in January to help age my accounts (my AAoA is 8 months right now).

 

It feels good to be happy with what I have so far!


You've made great progress so far!!! Even better if you can commit to some gardening! Smiley Happy




EQ FICO 548 3/3/16
Message 3 of 4
Highlighted
Established Member

Re: Officially feeling like I can join the garden with the cards I have.

I agree. great lineup.
Joining the garden as well:
Amex Unicorn
Amex BCE
Amex Delta Gold
CSP
Citi Hilton Reserve
Citi Premier
BoA Amex
BoA Travel Rewards
Discover IT
Ranging from 1K to 15k. I'd say enough is enough. Busy building credit and before ya know it... None past 30% util.
This site helps to keep sanity.
Gardening for me until 2014 is an understatement.
I will move from citi Premier to Preferred (no AF and still TY points and no chip technology)


http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC/
Message 4 of 4