topic Re: Which Cards in Credit Cards

Which Cards

Harvey26 — Thu, 12 Nov 2015 02:10:22 GMT

Well after my best buy decline I am really gonna stay in the garden for 2 years and let my accounts age. But once all inquires fall off and accounts age I was thinking about getting the AMEX PRG because I want a charge for everyday use and but not sure which revolver I should get for my other purchases im stuck between chase freedom chase sapphire or amex 365 propel from wells fargo. I pretty sure by then I should be at least 730s across the board my goals is 750-800s across the boards.

Currently: Discover It 1k , Chase Freedom AU 7.5k, Wells Fargo Secured 300

TU:672 EQ: 663 EX: still waiting on my 6 months.

Re: Which Cards

Anonymous — Thu, 12 Nov 2015 04:27:34 GMT

it's kinda hard to give you recommendations for two years from now; not to mention imagine the new products can be coming out in that time frame and what cards may no longer exist

Re: Which Cards

Anonymous — Thu, 12 Nov 2015 05:56:34 GMT

@Anonymous wrote:
it's kinda hard to give you recommendations for two years from now; not to mention imagine the new products can be coming out in that time frame and what cards may no longer exist

also would be hard to say in that time how well you will be handling your card anything can happen between now and then. I'd just hold off for 6 months or more let that grow see where you are at. Generally that is what most creditors like to see how you handle your new accounts.

Re: Which Cards

iheartwings — Thu, 12 Nov 2015 06:00:07 GMT

@Anonymous wrote:
@Anonymous wrote:
it's kinda hard to give you recommendations for two years from now; not to mention imagine the new products can be coming out in that time frame and what cards may no longer exist
+1

also would be hard to say in that time how well you will be handling your card anything can happen between now and then. I'd just hold off for 6 months or more let that grow see where you are at. Generally that is what most creditors like to see how you handle your new accounts.

Excellent advice.

Besides, when it comes time for you to apply for credit again, you may have a very specific idea of what features you want in a card, and that will let you hone down your choices even more.

Re: Which Cards

takeshi74 — Thu, 12 Nov 2015 16:25:25 GMT

@Harvey26 wrote:
I want a charge for everyday use

Why? Not trying to shoot you down. Just trying to understand your reasoning in order to provide feedback.

Do rewards on your spend matter? If so, have you run the numbers for your spend and carefully looked at the redemption options with the MR program to get an idea of what sort of value you can get per point?

@Harvey26 wrote:
im stuck between chase freedom chase sapphire

Do you have sufficient spend to spread it among both UR and MR?

What are you major spend categories and how do the cards you're considering maximize rewards on those categories? Selecting cards isn't just about the cards themselves but about how well they specifically suit you.

@Anonymous wrote:
it's kinda hard to give you recommendations for two years from now; not to mention imagine the new products can be coming out in that time frame and what cards may no longer exist

This. You can certainly go through the exercise (and it sounds like it might help you to better evaluate cards for yourself) but IMO there's not much point until you're closer to that date.

Re: Which Cards

Anonymous — Thu, 12 Nov 2015 16:34:09 GMT

+1 to above. Besides this is assuming you manage to stay in the garden for two years. Im not saying its impossible ijs you cant imagine how many people make this statement then approvals posts pop up not even two months later. Two years is a LONG time for a commitment like this, especially if you continue hanging around this website. Personally I think thats putting too much pressure on a person. Check off your progress every three months so you feel like you're actually accomplishing something.

Re: Which Cards

Anonymous — Thu, 12 Nov 2015 16:54:31 GMT

the only likely way to garden for two years is putting a parental control on this site so you can't access it... even while intoxicated.

Re: Which Cards

Anonymous — Thu, 12 Nov 2015 17:39:40 GMT

@Anonymous wrote:
the only likely way to garden for two years is putting a parental control on this site so you can't access it... even while intoxicated.

CHALLENGE ACCEPTED.

Re: Which Cards

Anonymous — Thu, 12 Nov 2015 17:41:57 GMT

good luck. i gardened for under a month before drapping. now i am 6 days clean.

Re: Which Cards

gdale6 — Thu, 12 Nov 2015 17:45:19 GMT

@Anonymous wrote:
the only likely way to garden for two years is putting a parental control on this site so you can't access it... even while intoxicated.

You can always request a temporary ban on yourself if you feel its necessary.

Re: Which Cards

Anonymous — Thu, 12 Nov 2015 17:46:48 GMT

you ban me enough to where i don't need to request it lmao

Re: Which Cards

gdale6 — Thu, 12 Nov 2015 17:54:08 GMT

@Anonymous wrote:
you ban me enough to where i don't need to request it lmao

LOL... Well continue to make the corrections necessary so that no longer happens, contrary to popular belief by some on these boards we dont like to ban anyone. In all reality we (the mods) are just regular posters like yourself. And I wasnt kidding you can request what I said if you feel it necessary or helpful, others have done so in the past. Have a great day

Re: Which Cards

Anonymous — Thu, 12 Nov 2015 17:57:26 GMT

lol i know you were kidding. i admin pages on fb so yeah we're all everyday people and we all say dumb things from time to time. enjoy your day lol