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My EX report is finally CLEAN, other than some 30 day lates that are 2 years 10 months and older.
I apped for (and got!) AmEx BCP today. Yahoo!
Are there any other cards I should be adding to my lineup ASAP? I have a CIti black diamond whatever with $8,000 limit (and about 2.5% util at the moment). I really don't want to ask them for CLI - I'd prefer to diversify into cards that actually do something for me and add another positive TL as I continue to work on cleaning up EQ and TU.
I now have 2 recent inquiries on EX (and another from 18 months ago). AAoA is 12 years. Great income. Would be good to have another card that reports AUs. And I don't have a need to apply for anything else until my car lease is up in 18 months.
Thoughts?
Thank you in advance!
A little more info: AmEx matched my other $8,000 credit limit. Is time of the essence to grab another card before that credit limit shows up on my reports? Any insights appreciated.
Thanks 09Lexie. In addition to AU reporting:
Obtaining higher credit and building another positive TL on EQ and TU would be the main reasons for adding another card.
Discover???
@MonkeyBelly wrote:Thanks 09Lexie. In addition to AU reporting:
- Cash back would be a great feature in another card.
- Interest rates are not important as I PIF.
- Travel rewards are not particularly compelling for me.
Obtaining higher credit and building another positive TL on EQ and TU would be the main reasons for adding another card.
EX is my clean report at the moment, at 763 USAA FAKO as of this morning. EQ is 705 with 1 collection and TU is not pretty.