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My Personal Goals in 2014

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Fico2Go
Established Contributor

My Personal Goals in 2014

My #1 goal in 2014  is to utilize MOSTLY products that pay 3%+ cashback.  For instance, on CCs like Discover I suspect Jan-Mar will busy months with 6% cashback on dining and entertainment.  For products that don't pay 3%+ I will revert to my Amex PRG charge card.  It seems overall the PRG rewards average at 3% or more.     

 

My #2 goal will be to ALWAYS ask reps and agents if I qualify for CLI without a HP.  

 

My third goal is to avoid apping for new accounts in 2014 --- UNLESS THE SIGN ON BONUS EXCEEDS $200. 

 

At the end of 2014 I will be cancelling any product that is less than 50% of the highest CL.  

 

What are your plans?

 

( Keep in mind that my cashback earnings for 2013 is $785 from my 1.5% PayPal cashback debit card. )

 

 

 

 

 

 

 

 

 

   

Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
Message 1 of 9
8 REPLIES 8

Re: My Personal Goals in 2014

My Goal is to get a Amex Delta Gold.

 

I was going to upgrade to a Amex Platinum but since there Reward Program has gone to **bleep**, Im sticking with my Amex Premier Gold, You get 3x Points and its only $175 a year compared to Amex Plainum which is $495 a year and only 1X Points.

Message 2 of 9
Longroad
Established Contributor

Re: My Personal Goals in 2014

My goals are all:

  1) All scores 700+

  2) At least one CC with CL of $10K+

  3) Add an AMEX card to my wallet

 

Happy Holidays everyone. 

Message 3 of 9
RockinRay
Valued Contributor

Re: My Personal Goals in 2014

My goals:

 

1. Continue to close cards that do not add value to my portfolio.

2. Increase my investments!

3. Try to get the house paid off. Most likely, this will not happen but it is worth a try for sure!

Ray

** Every Card has a Job, and Every Card does its Job **
Message 4 of 9
BearsAndTurtlesRtheBest
Senior Contributor

Re: My Personal Goals in 2014

obtain my first CC, and probably start college

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 5 of 9
Fico2Go
Established Contributor

Re: My Personal Goals in 2014

There are some places that won't accept AMEX but for some odd reason AMEX seems to get better service.  Cashiers pay more attention to AMEX holders and rewards seem to be more generous with the PRG.   

Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
Message 6 of 9
yellowcake
Regular Contributor

Re: My Personal Goals in 2014

OP, discover cashback is 5%, not 6%, unless there's a promotion I'm not aware of.
Message 7 of 9
elaine829
Frequent Contributor

Re: My Personal Goals in 2014

1. To pay off 3 more credit cards this year. Total of 7.

2. To pay off credit one and close it.

3. To try to get a fico score of 680. Im at 651 on equifax.

Message 8 of 9
Tia_Tulip
Member

Re: My Personal Goals in 2014

 

These should keep me busy:

 

1) Work OT and save as much as possible to increase down payment

 

2) Learn to make and keep a budget -I'm a spenderSmiley Embarassed-

 

3) Scores above 700,  If i can reach 750+, even better

 

4) Buy a home Smiley Happy

 

5) Consolidate SL's---only if it is Income contigent and payments will be less than my current payments with an acceptable interest rate

 

6) Apply and get approved for a Discover IT card

 

7) Furnish my new home beautifully 

 

8) Enter the garden

 

9) Start saving again

My credit has moved to the tele floor.
Message 9 of 9
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