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Good question OP!
My credit portfolio is almost complete. All I need is a card for travel and I'm done.
I feel like my card lineup is complete also - if anything I'm waiting until end of year to start closing a few accounts and trying to consolidate others. The ONLY temptation as of late is to get a Sallie Mae for gas, but I have a Freedom and IT card, plus my BCP for non gas quarters. So it's unlikely I'll actually go for it. I'm pretty much covered as follows:
Amex BCP - 6% Groceries + Backup Gas card (plus the various Amex Offers are nice too!)
BOA Travel Rewards - 2.25% General Spend card
Chase Freedom - 5% rotating
Discover IT - 5% rotating +2% CB until next summer
Citi Dividend - 5% rotating
Citi Forward - 5% restaurants/movies
Target Redcard - 5% at Target
FNBO Amex - 1.5% CB - I got this on a whim as a "just in case" card, but honestly I don't revolve a balance so it doesn't get much use from me other than small sub-$5 transactions
To be closed:
Chase Slate
Gap Visa
Lol to echo jfriend, now I just need to marry someone with military affiliation to gain access to USAA/NFCU rates/LOC!
Yep. I am completely Done>
Last two cards gotten earlier this month.
The Ebates and the Chase marriott.
Starting with the beginning of cards. not all cards in my portfolio. But cards i wanted from the beginning.
Capone Quicksilver.
Capone Venture.
Barclays Apple Card.
Discover It.
Amex Green
Amex Delta Gold.
Chase Freedom
Chase Marriott.
Citi Double Cash.
Best Buy MasterCard
Pay pal mastercard
Gte Credit Union Card.
(pride and Joy). Diners Club premier.
Macys Amex
Total Rewards Visa
All the rest of my cards are really fly by night oppurtunity cards.
My portfolio is complete. I do need to combine a couple of BofA cards that are redundant such as the two travel cards, but other than that I am done. I do have one possible card I am interested in when I come out of the garden and that is Lowes because I have some home renovations coming up next year. Nothing for now though. I want my scores to fully recover from my the inquiries and establish a positive history with the new accounts.
Not mine.
I've been working on paying down balances for 7 years now. No negatives ever, just a lot of open balances to take care of.
I've gotten some cards a while ago, such as Cash+ and Delta AMEX in 2013, and then started considering other cards a year ago. Joined here, and got the Diners Club card, and have been finding out where I stand with my credit.
Earlier in 2015, I got my first auto CLI with B of A after balance chasing CLD's over the years.
Got approved for two co-branded Chase cards in December and January, after balance chasing CLD on all accounts, and several closed.
Got approved for Citi AAdvantage a few weeks ago after balance chasing CLD's and still working on two closed accounts with balances. Until the AAdvantage card, I had only the Diamond Preferred at $1k as my open, active Citi card, and two closed CC with Citi.
And getting approved for the AMEXes is a positive as well.
So I'm only on hiatus as I get familiar with the SPG and AAdvantage, working toward some points levels with those cards, continue to work the owed balances down, and work on a long term strategy that includes getting sign up bonuses, then settling in with regular use cards after the bonuses are harvested. I'm not apping for a while, but I'm lining up what I will be looking for, and trying to figure the best plan for getting bonuses from all the big travel cards I don't have yet in the next 24 months.
Complete? As in not apping for any more cards? Perish the thought!
You guys have heard about netspend, I'm sure. Heck, I received one in the mail and I didn't even ask for one! But I just discovered their Premier version offers a 5% APY (4.91% technically) on amounts up to $5k. You can have up to 5 cards in your name. Is this a legit thing? Minimum requirement is a 500 direct deposit monthly.
If it is legit, THAT would make my port' complete.
My portfolio is complete and has been for some time.
The following are part of my permanent collection:
Bank of America Privileges with Travel Rewards Visa Signature
Chase IHG Rewards World Mastercard
Chase Sapphire Preferred Visa Signature
Chase United MileagePlus Club World Elite MasterCard
Citibank Hilton Reserve Visa Signature
J.P. Morgan Ritz Carlton Visa Signature
I picked up the Amex Plat and Barclay's AA cards for the signup bonuses. I'm not sure if I'll keep either of them in the long run or not yet.