Room for Improvement?

Anonymous · ‎01-04-2018

This is a current list...

3 Accounts 4 YEARS
5 Accounts 3 YEARS
7 Accounts 2 YEARS
5 Accounts 1 YEARS
7 Accounts Under 1 YEARS (Recent App Spree over 2017) And not with just one bank.

Average Age Of Accounts 2Yrs 2Mo's

Total Accounts 27 doesn't include paypal which makes 28 and is likely 3 yrs old

Current Debt on 1 card a lil over 200$ , zero on paypal also all my CC's have no AF.

Any and all tips would be most appreciated thanks in advance.

Sandman771 · ‎01-04-2018

Hie thee to the garden posthaste for the next few months and let them age if you want score increase. Other than that great job with no other data points.

Starting Score: EQ497/TU496/EX 499
Currently: EQ 620 TU 654 EX 627
in the garden since 6/16/2021

wasCB14 · ‎01-04-2018

Occasionally reconsider whether having so many cards is worth the complexity. Automatic payments and alerts can help, but do sometimes fail in some unexpected ways. With an average CL of ~$3,700 and no annual fees, we're probably not talking about cards with a lot of great perks or rewards.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select

Anonymous · ‎01-04-2018

@wasCB14 wrote:
Occasionally reconsider whether having so many cards is worth the complexity. Automatic payments and alerts can help, but do sometimes fail in some unexpected ways. With an average CL of ~$3,700 and no annual fees, we're probably not talking about cards with a lot of great perks or rewards.

Here is a list of my cards...

3 AMEX = BLUE CASH, BLUE TRAVEL, Everyday

2 CITI = SIMPLICITY, DOUBLECASH

3 BARCLAY = ARRIVAL, APPLE REWARDS, CASHFORWARD

1 DISCOVER $6,600

1 CAPITAL ONE QUICKSILVER $3,000

3 BOA = CASH REWARDS, PLATNIUM MASTERCARD, TRAVEL REWARDS

3 SYNCBANK = OLDNAVY VISA, WALMART MASTERCARD, AMAZON STORE CARD (Oldnavy store card->upgraded VISA 3-6 Months later) other 2 cards I applied over many months.

1 TD BANK CASH VISA $5,000

1 WEBSTER VISA CARD $6,200

1 WELLSFARGO PLATNIUM VISA $5,000

1 CHASE FREEDOM UNLIMITED VISA $2,000

1 OVERSTOCK MASTERCARD (FNBO) $7,100 or $7,200

1 MERRICK BANK VISA $1,800

1 NORDSTROM REWARDS (GREY STORE CARD) $1,500

1 STATEFARM VISA $5,000

1 DELL (WEBBANK) $3,000

1 FINGERHUT (WEBBANK) $1,400

1 PAYPAL CREDIT (Hidden Tradeline) $3,350

1 Final $5,000 (Closing this month)

P.S. If I had to do over again I would have not went for store cards lol.