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Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Plan for 2013

Currently have Barclays Rewards MC and BCE.  I think after I 3X AMEX and make sure Barclays does their 180 days well-check on me I'll app for Sapphire.  Assuming Barclays is happy I'll have two rewards cards that cover 2% utilities, 2% gas, 2% department stores, 2% or 3% groceries depending on card and 1% everthing else.  All I'm missing (that benefits me) is the 2% on restaurants so I don't think I'll go for CSP, just the regular CS.  I'm AF averse and I don't want to play quarterly category games.

 

So along these lines does this sound good?  


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Valued Contributor
Posts: 1,597
Registered: ‎09-15-2012
0

Re: Plan for 2013

Why not go for the Citi Forward for 5% on restaurants....?


In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600

Last App: April 2, 2014
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Plan for 2013

My plan is to not app for credit at all next year. Lol.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 1,394
Registered: ‎01-14-2009
0

Re: Plan for 2013

[ Edited ]

maiden_girl wrote:

My plan is to not app for credit at all next year. Lol.


 

Good luck with that!!! :smileylol:

Valued Contributor
Posts: 1,597
Registered: ‎09-15-2012
0

Re: Plan for 2013


kevinjjc wrote:

maiden_girl wrote:

My plan is to not app for credit at all next year. Lol.


 

Good luck with that!!! :smileylol:


If I was able to go 6 months without applying when I only had $3,000 in credit, I know you can do it with your many thousands, maiden_girl!


In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600

Last App: April 2, 2014
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Plan for 2013


jake619 wrote:

Currently have Barclays Rewards MC and BCE.  I think after I 3X AMEX and make sure Barclays does their 180 days well-check on me I'll app for Sapphire.  Assuming Barclays is happy I'll have two rewards cards that cover 2% utilities, 2% gas, 2% department stores, 2% or 3% groceries depending on card and 1% everthing else.  All I'm missing (that benefits me) is the 2% on restaurants so I don't think I'll go for CSP, just the regular CS.  I'm AF averse and I don't want to play quarterly category games.

 

So along these lines does this sound good?  


Or go for the Priceline Visa, 2% back on everything., leaving the BCE for the 3% on groceries.    Or  the similar Fidelity Amex

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Plan for 2013

I plan to app for the mortgage in February and be done all year as long as I get approved on Monday for the Chase Freedom. If I don't get approved with Chase, then I will do one more app for a CC in August and then chill for at least at year. Just recently came out of long time gardening...not going back in just yet! LOL!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Super Contributor
Posts: 5,214
Registered: ‎12-11-2011
0

Re: Plan for 2013

[ Edited ]

I want to make it until august to get a full 1 year in the garden, then I plan to app for a freedom, a PRG, possibly a barclay ring card just so if I need to carry a balance I have a nice low APR card, a citi forward, and a CSP (Possibly...)

 

That is my app spree for the year of 2013 :smileyvery-happy: then another year in the garden. 

 

Edit: I'll probably also app for an amex revolver, maybe a BCP :smileyvery-happy: 

;
Valued Member
Posts: 37
Registered: ‎09-26-2010
0

Re: Plan for 2013

Citi Forward is hands down the best for restaurants.



Current Score: 757 TU, 748 EQ (12/2012), Goal Score: 800
Valued Member
Posts: 37
Registered: ‎09-26-2010
0

Re: Plan for 2013

[ Edited ]

maiden_girl wrote:

My plan is to not app for credit at all next year. Lol.


Me too! We can do it!!

 



Current Score: 757 TU, 748 EQ (12/2012), Goal Score: 800
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