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Frequent Contributor
Posts: 414
Registered: ‎05-23-2012

Re: "Time for the Sock Drawer" Thread

afbar1114 wrote:

koalablue wrote:

Sock drawer: Wells Fargo Visa, Discover, Freedom, United Explorer, PRG

Wallet: British Airways Visa, BCP, SPG, Amex Hilton Surpass, United Club Visa

Using the Surpass until I hit $3000 to get 20000 additional Hhonors points. Got 40,000 with first purchase. Then using the BA Visa to spend $9000 within the next year to get 20,000 additional points. Got 50,000 points after the first $1000 spent.

why these two? they are good cards espically freedom


The Freedom was a PC from another Chase card where the penalty interest rate is still 30%. It's my oldest card so I'm keeping it open. For the Explorer, I have the Club Visa which has better benefits though a much higher AF. The higher AF is worth it right now since I'm flying once a month.  I got the Explorer first and the Club Visa a few days after. I may close the Explorer if I can move the CL to another Chase card, but I was thinking of keeping it so I'll have it if I close the Club Visa.

Valued Contributor
Posts: 1,488
Registered: ‎08-30-2011

Re: "Time for the Sock Drawer" Thread

LS2982 wrote:

Which cards do you have that need that smelly sock treatment???


Discover is on my list..........Smiley Mad

The Store Cards:  Only need to come out for a specific purpose

Lumber Liquidators (great for a single purpose--replace carpet with hardwood floors!)

Home Depot:  Hey, it's winter!  It may come out of hibernation in the spring when I need lawn/garden stuff

Lowes: Ditto, unless there's something really special that I need and they have that 0% financing offer.  Got all my kitchen appliances with such an offer.


The Others:


1st Command Platinum Visa.  One of my first prime cards, they gave me credit and CLI early on when I was rebuilding.  And I found about them here! 

Wells Fargo VIsa.  Only reason I got this is that I have a mortgage with WF, figured it might be handy to have at some point in the future

AMEX Zync.  This one is hard.  I love my Zync!  First of my AMEX cards in the "rebuilding era" (had a green back in the 70s and again in the early 90s)

AMEX Clear.  Kids use it more than I do, they are on as additional cardholders.


The rest of them do get rotated around, with the Chase cards and Merrill Lynch getting the best workout. 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 823 TU = 822 as of 07/15
Valued Contributor
Posts: 2,287
Registered: ‎09-16-2011

Re: "Time for the Sock Drawer" Thread

#1 Target red card stuck at $200 rcv'd the card January 2012... its embarasing, I have other cards that are pushing 5k, yet they have me stuck at $200, no lates on any credit accounts, and 7 baddies on my report down to 2 baddies now, with one more to fall off the next month. 


#2 Brylane Home decent card and old enough to get CLI's every 3 months now, but product quality is so bad I refuse to order from them, just will kick back and keep asking for CLI's perhaps order something from a sister site to keep the card active. 


#3 Capone Rewards card, stuck at $750  card app'd for in 5/2011, one CLI via the step program and is on the chopping block in May when its AF isdue. Unless they waive it the card is gone. 


#4 CapOne non-rewards platinum stays around for awesome APR  11.5% has a 2k limit but hasn't moved in  over 3 years, card will be 4 years old in april my oldest credit card tradeline. Best card for Balance transfers, no fees,  if i can't get a 0 percent BT deal.  


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Posts: 130
Registered: ‎11-26-2012

Re: "Time for the Sock Drawer" Thread

Discover It (this period's category is duplicative of the Forward's and next period's categories are useless for me).

Amex Delta Gold (there's no point in using this card for basically anything since I also have the PRG and can transfer points to Delta if I want to.  This card will be canceled when the fee hits)

Chase United (not sure how much use I'll have for this card once I hit the minimum spend for the 55k miles.  This card will also be canceled.).


I imagine my two most used cards will be the Forward and the PRG.  Still not sure if I'll keep the PRG when the fee hits.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Valued Contributor
Posts: 1,083
Registered: ‎02-06-2013

Re: "Time for the Sock Drawer" Thread

LS2982 wrote:
Too many new accounts/INQ's. Legit reasons but that hasn't stopped any other creditor from increasing me other than discover.

How many inquires were your credit reports showing at the time?   Inquiring minds want to know about inquiries.....

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
Regular Contributor
Posts: 156
Registered: ‎07-11-2012

Re: "Time for the Sock Drawer" Thread

Everything is in the sockdrawer for me as I'm paying down balances other than Amex Zync and whichever card is doing a gas bonus. Currently Freedom. If it's Discover, I'll carry the Visa/MC that has the lowest balance just incase the vendor doesnt take either.

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Valued Contributor
Posts: 1,999
Registered: ‎01-24-2012

Re: "Time for the Sock Drawer" Thread

American Express Blue Cash Everyday and Simply Cash, except for Federal Express and mobile telephone bills.


LS2982 wrote:
Too many new accounts/INQ's. Legit reasons but that hasn't stopped any other creditor from increasing me other than discover.

Did you speak to someone or was it by computer? When they telephoned me the person did mention that I had opened a lot of accounts and had inquiries but that was okay and she increased it anyway.

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: "Time for the Sock Drawer" Thread

Im pretty much done asking for CLI's with Discover. I'll use the card when it benefits ME and maybe theyll get the point.

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
Regular Contributor
Posts: 193
Registered: ‎08-26-2012

Re: "Time for the Sock Drawer" Thread

Crap 1, No Hassle Rewards is in the Drawer. Haven't used it in 5 months.

CSP $9500, CapitalOne VentureOne Sig Visa $8000 Chase Freedom Sig Visa $5000, Citi ThankYou Preferred Sig Visa $5000, Amazon Store Card $5000, Discover IT $4800, CapitalOne Quick Silver MasterCard $4000, Fidelity AMEX $4000, Sallie Mae Mastercard $3300, Hilton Honors Sig Visa $3300, Citi Double Cash $2700, SunTrust Cash Rewards $2500, Citi Simplicity Visa $2300, AMEX BCE $2000, AMEX Everyday $2000, Amazon Reward Visa $1800, BP VIsa $1800, Barclays Apple Visa $1700, Suncoast FCU $1000, Target REDCard $700

Current Scores: EQ 727 (Fico), EX 735 (Fico) **In the Garden unti....forever.
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010

Re: "Time for the Sock Drawer" Thread

Kay Jeweler's. I have it simply to help pad my utilization. It gets to see the light of day about twice a year for something small, like a watch battery.

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

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