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Regular Contributor
Posts: 211
Registered: ‎03-07-2013
0

Re: What's in your.... Sock Drawer (SD)?

Everything except CSP and Merrill+ because I think the Bull design is awesome

 

 

and CSP is METALLLLLLLLLL


EQ 733 3/3/13 GOAL: 800 Merrill Lynch Merrill+ $12,500 | AMEX BCE 6K | AMEX PRG NPSL | CSP 6K | Freedom 5K | Discover IT 5K | HVFCU 10K | American Eagle Visa 5K | Citi Thank You Preferred 6,100

In the garden since 4/22/13 | Hating on Capital One since '09
Established Contributor
Posts: 529
Registered: ‎10-25-2012
0

Re: What's in your.... Sock Drawer (SD)?

Macy's

Best Buy

Kay's

Orchard

Gordman's

 

Most will probably end up shredded

 

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: What's in your.... Sock Drawer (SD)?

Chevron- no rewards
JcPenney- did my obligatory charge this year
Walmart-bought a DVD player - will charge something sm again in 4-5 mos
PayPal MC- no 0%- rate too high
VS- I can only buy so much Bath and Body Works
Macy's- will bring it out for the holiday
Mutual Bank of Omaha MC- have no idea what I was thinking about when I app'ed for this card. Only reports to EQ grrrr
Discover It- for at least this qtr
Sony- paying off my 36 mo 0% APR.
Valued Contributor
Posts: 1,865
Registered: ‎09-20-2011
0

Re: What's in your.... Sock Drawer (SD)?

I have a Merrick card(former Hooters), Capital One, and Chase Freedom in the sock drawer.  The first two have no rewards but the Capitol One is used from time to time with 0% balance transfer offers.  The Freedom card is a rate jacked 29.9% former WAMU card. I also use it for 0% balance transfer offers. If their is a 5% category not on Discover I'll use it but that's pretty rare.d

Established Contributor
Posts: 888
Registered: ‎09-10-2010
0

Re: What's in your.... Sock Drawer (SD)?

My Capital One is right under my dress socks.  Only needed it to get a jump on a positive CC TL until I got a few cards I really wanted in sig.  I will call before Oct to try to get AF waived I suppose.


TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15































Frequent Contributor
Posts: 459
Registered: ‎11-25-2012
0

Re: What's in your.... Sock Drawer (SD)?

Currently, I'm SD'ing:

Chase Freedom

Discover IT

BoA Siggy

Amex PRG

 

 

The only cards that are getting some play are:

Gap Visa (3x on all purchases until 4/30, then SD also)

Citi Forward (regular 5x categories + gas & travel)

BCP (groceries)

and Target when I go there


The road to 800...
Available credit: $80k+
INQs: 1 TU, 2 EX, 1 EQ
Planned apps: NONE - Gardening indefinitely! - Gold Spade 10/15/15
On the chopping block for 2015: Gap Silver, Chase Freedom
Frequent Contributor
Posts: 280
Registered: ‎04-16-2011
0

Re: What's in your.... Sock Drawer (SD)?

Orchard Bank.  Why?  $300 credit limit that won't grow. 

 

Emailed the E/O and they want to HP for a CLI. 
Since I'm in the garden, thats a NO GO.  At least they waived my annual fee is waived for this year. 

 

Discover because the bonus category isn't for me this quarter. 

 

AMEX is almost there.  As soon as I hit my spending level for the year, off to the SD for them, too. 


Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Regular Contributor
Posts: 153
Registered: ‎05-07-2011
0

Re: What's in your.... Sock Drawer (SD)?

Those who currently have the chase freedom sd'ed, do you have another card that gives you more than 5% on restaurants?

In my SD:

PNC points
Citi Dividend Visa
Citi Dividend Mastercard
Citi Diamond preferred
BofA cash rewards
CapitalOne Cash
US Bank flexperks
Amex BCE

I carry:

Penfed platinum visa
Chase freedom mastercard
Discover It
Priceline rewards Visa.
Regular Contributor
Posts: 117
Registered: ‎12-29-2008
0

Re: What's in your.... Sock Drawer (SD)?

Generic Chase Visa , Best Buy Mastercard, AMEX Zync, Amex Green all being SD'd right now. Well the Amex green is used on auto pay bills, but i keep it in my safe. 


10/2013=EQ: 708 (reached my goal!! for 2013) EX(amex): 668 TU(Disc):680


8/2016 EQ:695 EX: 663 TU:704


Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/25k | Chase Freedom/2.2K | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/13K
Valued Contributor
Posts: 1,484
Registered: ‎10-15-2011
0

Re: What's in your.... Sock Drawer (SD)?


sassymomof2 wrote:

Orchard Bank.  Why?  $300 credit limit that won't grow. 

 

Emailed the E/O and they want to HP for a CLI. 
Since I'm in the garden, thats a NO GO.  At least they waived my annual fee is waived for this year. 

 

Discover because the bonus category isn't for me this quarter. 

 

AMEX is almost there.  As soon as I hit my spending level for the year, off to the SD for them, too. 


Yeah, I spoke again with Household/Orchard/HSBC again today about that.  I was told by HSBC that ALL Capone accounts now must have a hard pull.  It was right after I spoke with Capone and had two reps who told me it was a soft pull.  The rep wanted to know who I spoke to as she was going to call over there and get them straightened out since I was misinformed and I was going to get a hard pull even though they told me the wrong info.  I, of course, called back to Capone and was told by another person and the rep who is handling my case that it was truly a soft pull and they might have different policies at the HSBC cards until the conversion takes place.  (Can we pray that it happens a little sooner, so at least in the nightmare it all simply just the same nightmare, not different ones.)  I don't know if this is to keep HSBC cardholders from getting too much which might cause more issues later with Capone dual cardholders or to keep them in the undercurrent for as long as they can.  I think it stinks that there are two seperate policies for the same company. 

 

I too refused the hard pull twice now since I am also in the garden.  I am glad mine has no AF to worry about, or I would probably close the card as I did one Capone card last year before I found an option around their policy of not allowing customer initiated credit limit increases and their periodic random CLI's.  You realize that periodic and random could mean that most of their cardholders still don't get any luvin!?!  (We already know it does!)  Us Capone cardholders are certainly aware of the rhetoric and what their nonsense responses really mean.  You would think that with all the legal issues they have had in the past few years they would be a bit quicker about getting on the right track.  (It still suprises me that they were allowed to buy out the HSBC credit portfolio.)


I swear I am going right to the Garden...... Hopefully to stay there longer than a month this time......

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