topic Re: Game Plan in Credit Card Applications

Game Plan

tcolesz12 — Tue, 09 Jan 2024 15:28:33 GMT

Hello everyone,

First time posting in this thread as much of my time was spent on the credit rebuild which has helped me to get 790 on experian currently. In 2 months ill be in the mid 800s once i get my ultization down to the sweet spot. With that coming up I was wondering what I should try and target to get the best cards/rewards/ large credit lines. My newest accounts are all over 2 years old so the 5/24 rule doesnt apply to me. I do want to save some lines for the southwest and disney card as my family goes there often so waiting till our next trip to apply for them and get the credits. Also want to add my wife and I ideally are looking to buy a house in the future but dont know when that will be.

The cards I already have are in my signature but they are as followed (alot of them i got during my rebuild period):
Amex plat

Apple card- credit line 9.5k

Discover It x2 12.4k and 12.5k

Cap one venture- 12k

BoA signature- 1.5k

Cap one Quicksilver 2.8k

chase amazon- 13.4k

Re: Game Plan

CYBERSAM — Tue, 09 Jan 2024 17:38:19 GMT

First of all congrats on your rebuild and success 🥂👍👍

Seems I had a similar path as you on rebuild!

One card I would highly recommend is U.S. Bank Altitude® Reserve Visa Infinite® Card This is a hidden gem among many CCs out there. Yes there is a 400 AF but 325 of that can be redeem very easily, so its only a 75 AF card for Visa Infinite that offers 3% ApplePay/Mobile Wallet. Then you have bunch of other travel credits that can be achieved in one trip.

Don't be intimidated by initial AF, just read the fine prints and see how awesome this CC can be.

Re: Game Plan

tcolesz12 — Tue, 09 Jan 2024 19:31:16 GMT

@CYBERSAM wrote:
First of all congrats on your rebuild and success 🥂👍👍
Seems I had a similar path as you on rebuild!
One card I would highly recommend is U.S. Bank Altitude® Reserve Visa Infinite® Card This is a hidden gem among many CCs out there. Yes there is a 400 AF but 325 of that can be redeem very easily, so its only a 75 AF card for Visa Infinite that offers 3% ApplePay/Mobile Wallet. Then you have bunch of other travel credits that can be achieved in one trip.
Don't be intimidated by initial AF, just read the fine prints and see how awesome this CC can be.

Thank you very much it was a lot of work but got a lot of help here. Glad you completed your rebuild as well. I'll definitely check them out and see what they are about. Really appreciate it!

Re: Game Plan

markbeiser — Tue, 09 Jan 2024 23:02:58 GMT

@CYBERSAM wrote:

One card I would highly recommend is U.S. Bank Altitude® Reserve Visa Infinite® Card This is a hidden gem among many CCs out there. Yes there is a 400 AF but 325 of that can be redeem very easily, so its only a 75 AF card for Visa Infinite that offers 3% ApplePay/Mobile Wallet.

What fun is a Visa Infinite card if you have to use a digital wallet to make the most of it?😜

Re: Game Plan

CYBERSAM — Wed, 10 Jan 2024 00:06:42 GMT

@markbeiser wrote:
@CYBERSAM wrote:

One card I would highly recommend is U.S. Bank Altitude® Reserve Visa Infinite® Card This is a hidden gem among many CCs out there. Yes there is a 400 AF but 325 of that can be redeem very easily, so its only a 75 AF card for Visa Infinite that offers 3% ApplePay/Mobile Wallet.
What fun is a Visa Infinite card if you have to use a digital wallet to make the most of it?😜

Oh I'm keeping it in my wallet. Especially when you are traveling for Airport lounge access, Visa Infinite Concierge, Visa Infinite Luxury Hotel Collection, Car Rental insurance etc... There are few cases that you would want to have the actual card with, plus it looks good 😎

Re: Game Plan

SouthJamaica — Thu, 11 Jan 2024 19:58:23 GMT

@tcolesz12 wrote:
Hello everyone,

First time posting in this thread as much of my time was spent on the credit rebuild which has helped me to get 790 on experian currently. In 2 months ill be in the mid 800s once i get my ultization down to the sweet spot. With that coming up I was wondering what I should try and target to get the best cards/rewards/ large credit lines. My newest accounts are all over 2 years old so the 5/24 rule doesnt apply to me. I do want to save some lines for the southwest and disney card as my family goes there often so waiting till our next trip to apply for them and get the credits. Also want to add my wife and I ideally are looking to buy a house in the future but dont know when that will be.

The cards I already have are in my signature but they are as followed (alot of them i got during my rebuild period):
Amex plat
Apple card- credit line 9.5k
Discover It x2 12.4k and 12.5k
Cap one venture- 12k
BoA signature- 1.5k
Cap one Quicksilver 2.8k
chase amazon- 13.4k

Congratulations on your fantastic score improvement.

Why muck that up with new accounts and applications, especially since you're looking to buy a house.

It really seems to me that you have enough good credit cards.

Re: Game Plan

Traveler101 — Fri, 12 Jan 2024 00:13:20 GMT

Great job in building your scores. You also have some great cards as well. Cap1, boa, Disco can all get cli's with sp. Why not focus on building up some of those lines and focus on your dream of home ownership? Either way, Great job.

Re: Game Plan

tcolesz12 — Fri, 12 Jan 2024 01:05:47 GMT

@SouthJamaica wrote:
@tcolesz12 wrote:
Hello everyone,

First time posting in this thread as much of my time was spent on the credit rebuild which has helped me to get 790 on experian currently. In 2 months ill be in the mid 800s once i get my ultization down to the sweet spot. With that coming up I was wondering what I should try and target to get the best cards/rewards/ large credit lines. My newest accounts are all over 2 years old so the 5/24 rule doesnt apply to me. I do want to save some lines for the southwest and disney card as my family goes there often so waiting till our next trip to apply for them and get the credits. Also want to add my wife and I ideally are looking to buy a house in the future but dont know when that will be.

The cards I already have are in my signature but they are as followed (alot of them i got during my rebuild period):
Amex plat
Apple card- credit line 9.5k
Discover It x2 12.4k and 12.5k
Cap one venture- 12k
BoA signature- 1.5k
Cap one Quicksilver 2.8k
chase amazon- 13.4k
Congratulations on your fantastic score improvement.

Why muck that up with new accounts and applications, especially since you're looking to buy a house.

It really seems to me that you have enough good credit cards.

yeah that's true it's more of so me trying to increase my credit limit and was seeing if there are any lenders who give big limits off the bat.

Re: Game Plan

tcolesz12 — Fri, 12 Jan 2024 01:07:27 GMT

@Traveler101 wrote:
Great job in building your scores. You also have some great cards as well. Cap1, boa, Disco can all get cli's with sp. Why not focus on building up some of those lines and focus on your dream of home ownership? Either way, Great job.

Thank you it was a very hard road but we made it hahahah. Yeah BoA refuses to give me an increase hahahah discover I usually get one every 3-6 months anyway from 300-1500. Cap on has been granting me more but only a few hundred.

Re: Game Plan

Traveler101 — Fri, 12 Jan 2024 01:35:50 GMT

Boa will do better with you. Have the faith. Seems they are pretty big on history length. Once you start crossing over with a longer history thresholds, boa should open up the purse and should be easier provided everything else is in check.It all takes time. I know it's hard to be patient, but you will get there.

Re: Game Plan

tcolesz12 — Fri, 12 Jan 2024 01:46:19 GMT

Yeah been with them for about 3.5 years and no raises yet. Maybe I'll start using them more than I usually do and pay it off.

Re: Game Plan

tcolesz12 — Thu, 01 Feb 2024 14:08:33 GMT

@Traveler101 wrote:
Boa will do better with you. Have the faith. Seems they are pretty big on history length. Once you start crossing over with a longer history thresholds, boa should open up the purse and should be easier provided everything else is in check.It all takes time. I know it's hard to be patient, but you will get there.

Yeah Ive been only using my BoA card lately so hopefuly that helps out, we will wait and see what they do. I did however ask for an increase on my venture card and they increased me by 12k!

Re: Game Plan

CorpCrMgr1 — Thu, 01 Feb 2024 23:22:26 GMT

Great job of rebuilding!

Re: Game Plan

tcolesz12 — Fri, 16 Feb 2024 14:04:33 GMT

@CorpCrMgr1 wrote:
Great job of rebuilding!

Thank you very much! Hoping to never be there again!!

Re: Game Plan

CorpCrMgr1 — Fri, 16 Feb 2024 14:11:54 GMT

@tcolesz12 wrote:
@CorpCrMgr1 wrote:
Great job of rebuilding!
Thank you very much! Hoping to never be there again!!

So do I. Twice was enough.