What card are you going to app for in 2012?

CS800 · ‎12-26-2011

I know it's early but what card/s do you think you will apply for in 2012? I am in garden mode but thinking about: (not definite)

1. Target RedCard (I go there a lot of the 5% discount looks good)

2. Lowes (still doing rennovations in my house and the 5% discount is attractive)

3. A CITI card (to add to my Prime portfolio; not sure which one makes sense)

4. A PSECU CC. I have a collection falling off my report in 2012.

5. Penfed Promise

I would only get one of the above. But with my other cards, I will try CLI's only with those who SP only. I know Barclays, Wally World and AMEX do SP's for CLI's

I also have Discover, Chase, USAA AMEX but they HP for CLI's as far as I know.

So what say you?

dalebb · ‎12-26-2011

amex BCP

the_jan_b · ‎12-26-2011

American Express...not sure which one yet, but it will be one of the cards that does not have a NPSL; but I won't apply for it until probably May or June.

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego

sdoonan · ‎12-26-2011

There's a Chase Freedom in my future once I bring down the balance on my Discover card. Depending on the CL, I might actually close out my AMEX BCE (since the CB %'s don't really match up with what my purchase patterns are).

Cards: CitiForward for Students (2K, opened 8/2009), Discover it (2K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Quicksilver (4.5k, opened 11/2011), Chase Freedom (1.5k, opened 8/2014)

AMEX Platinum (NPSL, AC arrangement, added 12/2011), Citi AAdvantage AMEX (9k, AU, backdated to 9/2008)

Scores: TU 667, EQ 651

In the Garden since 8/8.

nuggets321 · ‎12-26-2011

Amex BCE after June 2012

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500

jla84 · ‎12-26-2011

I'm going to try for Citi Forward and AmEx BCP in May! In the garden for now!

Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3

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PetRaccoon · ‎12-26-2011

Not really sure ... I don't think I need more cards. CLIs.. Sure!

Edit: Oh.. Sapphire Preferred. XD

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)

Datx · ‎12-26-2011

I plan to go on a CU app spree at the end of 2012, mid December or so:

1. Alliant CU Plat Rewards

2. PenFed CU - Promise

3. PSECU - 20/20 combo

4. FTWCCU - (local CU)

5. Chase Freedom

That is my hit list. I'm also going to try for a Amex BCE in early Jan 2013. If everything goes to the plan I laid out for 2012, but the end of the year my utilization would be around 9% and more FICO scores would look alot better.

drkaje · ‎12-26-2011

Amex BCP once my Utilization is down.

Sadly, that's it. There really isn't another card I want and that one isn't even necessary. I already have an Amex Delta (AU) and USAA Amex, but had a Gold card back in the day and would like to strengthen my average age with a little backdating.

The last negative comment falls off my report in September. Maybe I'll wait until then or even Jan 2013 before applying. I need something credit card-wise to look forward to besides CLIs, LOL!

Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO

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JusdoNit · ‎12-26-2011

1. Amex BCP

2. Chase

3. Target last (since they seem to be the hardest to get. LMTO)

Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800
If your outGo is more than your INcome than your UpKeep will become your downFALL.

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