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"Time for the Sock Drawer" Thread

Regular Contributor

Re: "Time for the Sock Drawer" Thread

Captial One. Zync and Discover IT are in my wallet. Zync gets more love though...hahaha

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Message 21 of 44
Frequent Contributor

Re: "Time for the Sock Drawer" Thread

Just started rebuilding my credit but I'm putting my
Merrick and credit one in the drawer .
Only using my cap one card hopefully by next year I can cancle the credit one card.
Message 22 of 44
Valued Contributor

Re: "Time for the Sock Drawer" Thread

Chase Amazon. Never a CLI.

 

Walmart Discover and Amazon store card will stay in the SD except on special occasions.

Message 23 of 44
Valued Contributor

Re: "Time for the Sock Drawer" Thread

HSBC (now Capital One) Direct Rewards Discover.

Planning to close it when I apply for and receive the Discover IT.



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 24 of 44
Moderator

Re: "Time for the Sock Drawer" Thread

Wallet:

BCP (usually, when not maxxed like now, silly limit) / Zync / Freedom typically

 

Online:

BOFA Travel Rewards (likely will displace Zync in April), Walmart (I can haz CLI?)

 

Shelved:

USAA MC, DCU Visa, Orchard.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


Take the myFICO Fitness Challenge
Message 25 of 44
Frequent Contributor

Re: "Time for the Sock Drawer" Thread

Discover blew me off on a CLI since Nov. 2011 when I got the card. I kept trying online and it said it couldn't process it. I stopped using the card. Finally they sent me a new card with a year free interest on purchases and when I called to activate it, they asked me what they could do to earn back my business and I asked for an increase to 4000.  They gave it to me. Wish I'd asked for more. Maybe you'll get the same deal.

Message 26 of 44
Frequent Contributor

Re: "Time for the Sock Drawer" Thread

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.

Message 27 of 44
Valued Contributor

Re: "Time for the Sock Drawer" Thread


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

 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 28 of 44
Valued Member

Re: "Time for the Sock Drawer" Thread

My rebuilder cards Merrick (2200cl), Cap1(2500cl) and Cap1((formerly Orchard) 2500cl) are all in the sock drawer. I'll probably use them each to charge a Starbucks in about 6 months just to make sure they stay alive.

 

In the wallet is new Discovery (1000cl), new PenFed cash rewards plat (5000cl) and newish Barclays reward from October (1800cl)

 

I'm really hoping I can jack up the Barclays cl to 5k in a couple of months

src="http://ficoforums.myfico.com/fico/i/custom/FFC_Icon.gif">Starting Score: 652
Current Score: EQ 685 TU 683 EX 699 (their sites FAKO) all as of 03/02/13
Goal Score: 700


Take the FICO Fitness Challenge
Message 29 of 44
Valued Contributor

Re: "Time for the Sock Drawer" Thread


LS2982 wrote:

patsfan1453 wrote:

LS2982 wrote:

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

 

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


Why Discover?


Keep blowing me off for a CLI.....had it for a year now.

 


I've had my Discover card since 1986.  I hadn't had a CLI since 1993.  I got a CLI after a hard pull in 2012 after I was told they wouldn't approve a CLI if it was a soft.  Had I the same attitude as you I wouldn't have a 26 year old TL on my history.  Think long term, LS....Smiley Happy especially with Discover - which is a card worth keeping, IMO.

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 30 of 44