Everything is fine, credit score has been about the same. Everything would have been paid off, but we now have a 13 month old that has added some extra expenses in the mix of everything as well as going back to school gave a bigger financial hit than expected. We also started renting a house April of this year which added another $1k to monthly expenses on top of cars and our baby. Everything is manageable as I'm going back to work more now. Our daughter is getting big enough were we'll feel safe having a friend watch her if my fiance has to work more.
| NPSL | American Express Platinum |
| $5,400.00 | Sams Club (Store) |
| $5,000.00 | Badcock Furniture (Store) |
| $4,000.00 | Citi Dividend Platinum (MC) |
| $3,700.00 | PayPal Extras Platinum (MC) |
| $3,500.00 | BankAmericard (Visa) |
| $3,000.00 | Home Depot (Store) |
| $3,000.00 | Chase Ink Cash Business (MC) |
| $2,600.00 | Walmart (Discover) |
| $2,300.00 | Chase Freedom (Visa) |
| $2,000.00 | Barclaycard Apple (Visa) |
| $2,000.00 | Kanes Furniture (Store) |
| $2,000.00 | American Signature (Store) |
| $1,800.00 | Merrick Bank (Visa) |
| $1,800.00 | Old Navy (Visa) |
| $1,500.00 | Sams Club (Discover) |
| $1,500.00 | Discover |
| $1,500.00 | Zales (Store) |
| $1,500.00 | Lowes (Store) |
| $1,200.00 | Amazon Account (Store) |
| $1,000.00 | Dell Preferred (Store) |
| $801.00 | Bill Me Later (Store) |
| $800.00 | Best Buy (Store) |
| $600.00 | Target Red Card (Store) |
Have 3 furniture accounts added Kanes/American Signature at $2k each and babcock with a generous $5k. Paypals just bumped my limit to $3,7k. I decided not to close anything even though I have a higher number of accounts than one probably should to manage all the due dates is something in itself, however it allows all the accounts to age nicely and once I find a better prime card I would actually want I can close off some stuff as I transition into a better card.
I'm building my trust with AMEX with the platinum card as I'm averaging $4.5k a month through it for now, which as their trust increases will gradually raise to $10k/month or more being cycled through it. I have a similar goal with the Chase Ink card for my business have a 6 month 0% promo running now til december, than will switch to cycling $2-6k a month with it.
I do have 100% on time payment status and filed with TU to have the old baddies that were listed to be investigated and they were removed. Now just to make sure Equifax and Experian do the same.
Starting Score: N/A
No misunderstanding when I first opened all those accounts barclay did close the 1.3k account in 2011. At just under 2 years later I was wanting to get some apple stuff to try so I reapplied and was given an instant approval for a $2k limit. When I first opened the account I never made an order in 2011 I was waiting til my phone renewal and I was gonna get a new iPad and iPhone at the same time to do the 0%, but the account got closed before my upgrade period. When I opened the account July 2013 I did make a small purchase of $350ish (160GB iPod classic and Apple TV) and the account has remained open, I've made no further purchases at this time as I didn't want to spooke to fragile peoples of barclay thinking I can't afford my credit lines.
@creditwatcher2012 wrote:
Just realizes old forum nevermind lol
Merrick was opened because I got an instant approval letter in the mail and the interest rate while crappy was also better than some store cards, plus it was a visa. Live and learn that merrick isn't much of anything, but after 18 months they did an auto CLI from 1500 to 1800 which was shocking as some of my other accounts haven't done anything.
I've seen a lot of negative stuff about Merrick, I've never had to deal with their customer service. I've always made my payments ontime with them and never had an issue with the card other than it has a crappy 19.45% interest rate and no rewards, but given I had a below 700 score at time of approval I couldn't reasonably expect much better having had opened so many other accounts. It will most likely be closed after I let it age enough and get a better quality card approved.