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Epic Contributor
Creditaddict
Posts: 22,064
Registered: ‎10-23-2007
0

Re: Thanks for all of your help!


lissa1184 wrote:

I have been lurking on this site for months while gathering information. I hardly used credit cards and a few small cards with small limits. With the help of this forum I have been able to obtain the following cards:

 

Discover It

Lowes

Macys

Wal-mart

Paypal Mastercard

Barclays

US Bank

 

I am now off to the garden for the next year while I let my accounts age and grow by requesting soft cli. Once these accounts age and grow I am going to get rid of the following cards:

 

2 1st Premier

Orchard Bank * If Cap1 doesn't increase my limit

Continental


I wouldn't wait a second to close 2 1st premier and continental... you don't need to pay the fees... Who cares about age on new accounts... you have them... don't throw money at the banks that are for the only purpose you did... get better cards!

 

Congrats!

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Thanks for all of your help!


lissa1184 wrote:

I've actually tried to place the link in my siggy but it does not show up.


Our MOD came along later to help you but you were gone:smileysad:

We will get you help to add it to your sig

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
dodgerslv
Posts: 1,841
Registered: ‎06-16-2012
0

Re: Thanks for all of your help!


lissa1184 wrote:

I have been lurking on this site for months while gathering information. I hardly used credit cards and a few small cards with small limits. With the help of this forum I have been able to obtain the following cards:

 

Discover It

Lowes

Macys

Wal-mart

Paypal Mastercard

Barclays

US Bank

 

I am now off to the garden for the next year while I let my accounts age and grow by requesting soft cli. Once these accounts age and grow I am going to get rid of the following cards:

 

2 1st Premier

Orchard Bank * If Cap1 doesn't increase my limit

Continental


Big Congrats on your great accomplishments lissa!  As you probably know already, your GE backed cards (Paypal MC, Lowes, Walmart) can grow quickly so request a CLI every 4 months if you can. By the time you know it, all other prime lenders will come looking for you. I have learned alot here also so i know the feeling. It seems like a long journey but you see the light at the end of the tunnel...:smileyhappy:


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).






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