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Regular Contributor
stone
Posts: 242
Registered: ‎11-15-2011
0

Whats my next card?

Could not resit to apply a new card? Which one I should apply to complete my collection?

 

My current collection:

amex bce 6000

boa cash rewards 1000

citi dividend 4000

citi forward 3500

discover 1000

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Whats my next card?


stone wrote:

Could not resit to apply a new card? Which one I should apply to complete my collection?

 

My current collection:

amex bce 6000

boa cash rewards 1000

citi dividend 4000

citi forward 3500

discover 1000


Not that I think you need another card. You have a nice collection. It's a good idea to have a combo of MC, Visa and Amex. I can't tell from your post if your Bof A and Citi are all Visas or if there are any MC. So, if no MC, I'd look at adding one. Also, an Amex charge (even Zync if you want a lower AF) would give your AAoA a boost, instead of your taking the hit for a new acct.

 

I'd also look into CUs -- if not Navy, then local CUs. Personally, I think it's a good idea not to have all your eggs in the "big bank's" basket, so to speak. We've been reading about B of A and other bigger banks closing accts. CUs are IMO less likely to do things like that.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Whats my next card?


stone wrote:

Could not resit to apply a new card? Which one I should apply to complete my collection?

 

My current collection:

amex bce 6000

boa cash rewards 1000

citi dividend 4000

citi forward 3500

discover 1000


-What does your files look like?

-INQ's?
-Baddies?

-AAoA?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Member
Jeff321
Posts: 33
Registered: ‎10-07-2007
0

Re: Whats my next card?

You have some nice reward cards already.  I'd personally just work on CLI's for your existing cards.

TU 790 - 1/2012
Epic Contributor
Creditaddict
Posts: 22,087
Registered: ‎10-23-2007
0

Re: Whats my next card?

The only point of getting a MC if you don't have one is if you shop at Sams Club, otherwise no point.

Another Amex might be okay as other posted IF it's an older account but rewards wise you are holding the best I think.

and finally I kind of agree of not getting another card and just look for CLI with everyone, or maybe store card if you shop at a paticular one a lot, other wise rewards wouldn't out do Amex or Citi I don't think.

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:
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Whats my next card?


Jeff321 wrote:

You have some nice reward cards already.  I'd personally just work on CLI's for your existing cards.


+1




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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