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Valued Member
Posts: 73
Registered: ‎01-15-2010

Credit Wish List

Happy Friday!


I wanted to share my Credit Wish List, and see what yours is like. Currently I'm sort of sitting on the fence, leaning toward gardening but nothing official... Added a bunch of new accounts so AAoA sucks and inquiries are getting up there.


Credit Wish List

1. Amex Zync (when it comes back!)

2. Walmart Discover (FICO!)


I've already been declined recently by both Amex and WM/GE so I figured I'd grow my babies for a while and app again once my scores are in the mid-high 700's.




AAoA = 0.2 of a year! Smiley Surprised



New Contributor
Posts: 62
Registered: ‎05-03-2012

Re: Credit Wish List

I'm sure you'll get right in with Amex and Wally World once your aaoa climbs. I have both the zync and wal discover and I'm pretty pleased with both of them. Although I thinking about trying to PC the unicorn into a prg.

As far as my wish list goes only one card makes the grade.....Alaska airlines visa from Bank of America... Man do I want that card

Good luck ton your wish list
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012

Re: Credit Wish List

My Credit Wish List is:




AMEX Delta Gold

Chase Southwest

Chase Sapphire Preferred

Chase Disney

Pottery Barn Kids

Barclay Apple (If I decide to make a Macbook my next laptop)


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!)

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Super Contributor
Posts: 12,331
Registered: ‎04-22-2013

Re: Credit Wish List

[ Edited ]

As in my sig:


Amex Blue: get in Jan for max backdating (to 1987) to increase my AAoA again

Chase Freedom:  Really not excited about rotating cards, but makes sense to go with my CSP

Sallie Mae: To supplement BCP for groceries once 5x Citi TYP ends.

TD and Wells Fargo:  6 months each of uncapped 5% for manufactured spend.


Edit: OK, Freedom isn't in my sig!

Community Leader
Established Contributor
Posts: 1,004
Registered: ‎05-28-2013

Re: Credit Wish List

Here's mine (not in any particular order). I guess it's something to aim for a few months down the road.  Smiley Tongue


  • Amex Plat
  • CSP
  • BCE (or BCP but I'd rather get the one without AF since I already have a few cards w/ AF)
  • US Bank Cash+
Community Leader
Senior Contributor
Posts: 28,796
Registered: ‎02-07-2013

Re: Credit Wish List

longtimelurker wrote:

As in my sig:


Amex Blue: get in Jan for max backdating (to 1987) to increase my AAoA again

Chase Freedom:  Really not excited about rotating cards, but makes sense to go with my CSP

Sallie Mae: To supplement BCP for groceries once 5x Citi TYP ends.

TD and Wells Fargo:  6 months each of uncapped 5% for manufactured spend.


That's some list all have a purpose I really like the highlighted one'sSmiley LOL

This point should be stressed more here an app spree should not be encouraged because its not for every profile
A thick file will support more apps at one time while a thin file may see negative reaction to this process

IMHO 4+ at one time is to many for a new file and it should be kept to 1-3 a year but we get caught up sometimes in seeing the little wheel spin and the words approved
Valued Contributor
Posts: 1,952
Registered: ‎11-17-2012

Re: Credit Wish List

It's a long, longggg list...i know :X even I'M a little embarrassed over it! Smiley Tongue it's in order and i'm constantly rearranging, adding, or deleting it on my google drive account...




Walmart/Walmart Discover

Better Balance Rewards

Fidelity AMEX


Sallie Mae

Fort Knox

Ink Bold


Discover IT


Huntington Voice

Capital One Quicksilver WMC $20k | JCPenney Platinum $10k | Shell Drive for Five $800 | Chase Freedom VS $9.8k | TD Bank Easy Rewards VS $5k | Chase Sapphire VS $10k | American Express Blue Sky $13.7k | Discover IT $15k | SavingStar American Express $14.8k | American Express BCE $11.3k | Macy's American Express $7.2k | Capital One BuyPower WEMC $7.5k

FICOS: EX 762 EQ 717 TU 767 VantageScore 3.0: EX 746 EQ 758 TU 752
Established Contributor
Posts: 526
Registered: ‎02-08-2013

Re: Credit Wish List

Chase Marriott/Or Ritz (for gold status)

Chase Hyatt

Chase IHG


I want those free nights! However i'm gardening, so it'll be awhile.

Regular Contributor
Posts: 148
Registered: ‎07-19-2012

Re: Credit Wish List

What I'm leaning towards in Dec:


Changing my slate into a freedom (if possible)

Adding csp at that point

Any amex (need it for work) bce/p would be nice

Also like to add boa to my portfolio (not sure what card)

Since I was accepted to dcu today I might look at what they have

Lastly been thinking about us bank as they are local


Just a couple, my aaoa is going to hate me



TU:552 | EQ:561 | EX:567 | Starting Score [LP from 08]
TU:693 | EQ:682 | EX:700 | Current Score [11.21.13]
[720 Overall] Goal Score - The grass is greener in the garden! (Amex made me fall out... since 12.13)

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Super Contributor
Posts: 9,358
Registered: ‎06-19-2013

Re: Credit Wish List

I have an few in mind that i may want to try and apply for next summer sometime. 


1. Cap One Quicksilver- i will take the 1.5%  flat rate on everything.

2. CSP/Amex SPG- still trying to decide which to get leaning toward CSP since i already have an chase freedom card.

3. Barclays Reward- This one isn't as important but I would eventually like to have an cashback mastercard.

EX Fico 774 3/3/15 Fako 806 CS/ 11/24/14
EQ SW bank enhanced 5/26/15 827 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 7/6/15 786 Fako 808 Creditkarma 5/11/15

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