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@longtimelurker wrote:
@CashOnDelivery wrote:
I believe DS= Dear son...So what happens in the (extremely unlikely of course) case that you really don't like your wife/husband/son/daughter/sister/brother/domestic partner?
Something like PITA H, or just don't use acronyms and go "my so-called husband" or something? Or I guess "DH" could be used ironically but how would we know?
Or maybe everyone here loves and is loved by all...
I agree. Maybe we need to get the list admended. Along with my other suggestions of DS in case of future use.
@youngandcreditwrthy wrote:
Well, I do not want to cut some of my highest limits.
I def want to keep the $25k Paypal MC as I prob charge 2-5k a year on this so far. I could lower Lowe's to $10,000, maybe even further if need be; I barely use this account. I do use my Wmt Discover to the tune of 400-500 a month, so my $15k is usable. I also want to keep my BR Visa limit at $12.5k at least.
All just considerations of course. I really value the suggestions everyone! This will def be a process.
I do use CK, Quizzle, Experian PLUS, and Credit Sesame- as well as credit.com haha- none of those really matter. I have myFICO eq and I want to get my true Exp FICO soon! So I do keep track of my score!
Do you shop a lot on ebay or using paypal? Do they offer some form of rewards which your Freedom or BCE, or the CSP that you are planning to get, cannot beat?
Lowes I can see the reason behind keeping it and keeping the CL as high as possible. You might buy a house someday and then that card might be useful since they have 24 (or was it 36?) months 0% APR.
You don't really need smilegen either. Your freedom has 0% APR until September 2014, no? Besides, you can PC your freedom to a MC next year, and then re-apply for a new Freedom visa if you have to churn out another 0% APR. There are many rewards cards with 0% APR promo.
Paypal Extras Plat MC $25k $10k | Lowe's $15k | Amex BCE $24.5K | Amex Delta Gold $5.5k | WMT Discover $15k $10k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K $3k | Smile Gen $6.25k | Freedom Visa $5k(ask for CLI to 15k and have them counter u) | Citi Dia Pref $5k | Venture Visa Signature $5k (ask for CLI to 10k) | Discover IT $4.75k (ask for CLI to 10k and let them counter you with whatever) | Amazon Store $10k | Express $3.05K | Chevron $2.1k
This is what I would do if I were you. Why not put your JCP and retail stores shopping expenses on Discover / Freedom? There's shopdiscover / ultimate rewards mall where you can get discounts too.
@enharu wrote:
@youngandcreditwrthy wrote:
Well, I do not want to cut some of my highest limits.
I def want to keep the $25k Paypal MC as I prob charge 2-5k a year on this so far. I could lower Lowe's to $10,000, maybe even further if need be; I barely use this account. I do use my Wmt Discover to the tune of 400-500 a month, so my $15k is usable. I also want to keep my BR Visa limit at $12.5k at least.
All just considerations of course. I really value the suggestions everyone! This will def be a process.
I do use CK, Quizzle, Experian PLUS, and Credit Sesame- as well as credit.com haha- none of those really matter. I have myFICO eq and I want to get my true Exp FICO soon! So I do keep track of my score!Do you shop a lot on ebay or using paypal? Do they offer some form of rewards which your Freedom or BCE, or the CSP that you are planning to get, cannot beat?
Lowes I can see the reason behind keeping it and keeping the CL as high as possible. You might buy a house someday and then that card might be useful since they have 24 (or was it 36?) months 0% APR.
You don't really need smilegen either. Your freedom has 0% APR until September 2014, no? Besides, you can PC your freedom to a MC next year, and then re-apply for a new Freedom visa if you have to churn out another 0% APR. There are many rewards cards with 0% APR promo.
Paypal Extras Plat MC
$25k$10k | Lowe's $15k | Amex BCE $24.5K | Amex Delta Gold $5.5k | WMT Discover$15k$10k| Ban Repub Visa $14k | Dillard's $10k |Travelocity Amex $7.7k | JCP$6.5K$3k| Smile Gen $6.25k |Freedom Visa $5k(ask for CLI to 15k and have them counter u) | Citi Dia Pref $5k | Venture Visa Signature $5k (ask for CLI to 10k) | Discover IT $4.75k (ask for CLI to 10k and let them counter you with whatever)| Amazon Store $10k | Express $3.05K | Chevron $2.1k
This is what I would do if I were you. Why not put your JCP and retail stores shopping expenses on Discover / Freedom? There's shopdiscover / ultimate rewards mall where you can get discounts too.
All very valid points enharu. I believe there are several scenarios that could play out well for young in the long run to achieve a good strategy. Admittedly, he may be hesitant to decrease the exposure on those GECRB CLs for sometime...there's emotion attached on them...lol. Plus, here's what I'm thinking how he may respond to your post :-)