topic Re: 🚀850 Fico score achieved 🚀 — interested in a new card in Credit Cards

🚀850 Fico score achieved 🚀 — interested in a new card

Anonymous — Sun, 14 Feb 2021 03:52:14 GMT

I'm 32 years old and I have an 850 fico 8 score. I am interested in a new card can someone give me advise on what to please get? I want somthing exclusive with good rewards.

I uploaded the proof here

https://ibb.co/7S9cLSY

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

thornback — Sun, 14 Feb 2021 03:53:04 GMT

Congratulations!!

You'll need to tell folks what type of rewards you want (travel, cash back), a bit about your current/expected spend, approx. income, etc. to get any meaningful suggestions.

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

AllZero — Sun, 14 Feb 2021 03:53:29 GMT

@Anonymous wrote:
I'm 32 years old and I have an 850 fico 8 score. I am interested in a new card can someone give me advise on what to please get? I want somthing exclusive with good rewards.

I uploaded the proof here
https://ibb.co/qst1Rtg

Congratulatons on your success! That is an excellent acheivement. How are your TU and EQ scores?

If you don't mind, can you share your profile:

AAoA Average Age of Accounts

AoOA Age of Oldest Account

AoORA Age of Oldest Revolving Account

AoYA Age of Youngest Account

AoYRA Age of Youngest Revolving Account

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

Rebuild2019 — Sun, 14 Feb 2021 03:54:40 GMT

Congratulations 🎊🎉🎈 on your score.

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

Anonymous — Sun, 14 Feb 2021 03:55:06 GMT

Thanks a lot for the kind words 🙏🏻. I'm glad other people appreciate the hard work. I had a 698 Feb 2020.

AAoA Average Age of Accounts 5years 5 months

AoOA Age of Oldest Account 14 years

AoORA Age of Oldest Revolving Account 14 years

AoYA Age of Youngest Account 1 year 11 months

AoYRA Age of Youngest Revolving Account 1 year 11 months

Equifax 850

Experian 841

TransUnion 829 (but it is reporting wrong info)

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

AllZero — Sun, 14 Feb 2021 03:55:28 GMT

@Anonymous wrote:
Thanks a lot for the kind words 🙏🏻. I'm glad other people appreciate the hard work. I had a 698 Feb 2020.

AAoA Average Age of Accounts 5years 5 months
AoOA Age of Oldest Account 14 years
AoORA Age of Oldest Revolving Account 14 years
AoYA Age of Youngest Account 1 year 11 months
AoYRA Age of Youngest Revolving Account 1 year 11 months

Equifax 850
Experian 841
TransUnion 829 (but it is reporting wrong info)

Thank you for your answers. It provides great data points to the community. I'm sure it is just a matter of time before the other bureaus catch up.

Back to or original post. As mentioned up thread. If you can advise what you are seeking, cards you currently hold, then more members can suggest a product.

AODFCU could be a great 3% cash back card.

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

Anonymous — Sun, 14 Feb 2021 03:55:51 GMT

I think I will put between 40-60k on the card a year. Cash back would be best I think. When they say you can use your points for travel can you use them for hotels or car rentals? If you can do you have to choose from an approved list.

most of my spending is on dining, groceries and gas.

I try to pay the balance in full every month.

I hope this info helps a bit

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

Anonymous — Sun, 14 Feb 2021 03:56:17 GMT

Currently I have

Barclays $34500

Boa- $11000

Capital one platinum- $7500

Capital one quicksilver one- $700

Discover 5% -$750

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

AllZero — Sun, 14 Feb 2021 03:56:43 GMT

@Anonymous wrote:
Currently I have
Barclays $34500
Boa- $11000
Capital one platinum- $7500
Capital one quicksilver one- $700
Discover 5% -$750

I would suggest to see if you can get a product upgrade on the Platinum to Quicksilver (not to the Quicksilver One with the annual fee). At least you can earn 1.5% cash back. Capital One check for upgrade link

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

Anonymous — Sun, 14 Feb 2021 03:57:06 GMT

I just called they offered me:

Platinum($7500) can be upgraded to-Quicksilver, Venture One or Venture

what would be the best option?

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

AllZero — Sun, 14 Feb 2021 03:57:31 GMT

@Anonymous wrote:
I just called they offered me:

Platinum($7500) can be upgraded to-Quicksilver, Venture One or Venture

what would be the best option?

Congratulations on your offers. If you value cash back, the Quicksilver at 1.5%. The Venture has a $95 annual fee with no sign up bonus. The Venture One may be the least enticing at 1.25 miles per dollar.

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

Anonymous — Sun, 14 Feb 2021 03:57:57 GMT

I found the card I really want.

https://www.chase.com/personal/credit-cards/jpmorgan-reserve-benefits

I read it's almost impossible to get and I only bank with chase for buisssness.

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

FinStar — Sun, 14 Feb 2021 04:00:35 GMT

@Anonymous wrote:
I found the card I really want.

https://www.chase.com/personal/credit-cards/jpmorgan-reserve-benefits

I read it's almost impossible to get and I only bank with chase for buisssness.

Not unless you have the assets and/or JPM profile to support it. Unfortunately, there isn't a "hookup" or backdoor method that anyone could provide. Are you currently CPC?

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

Remedios — Sun, 14 Feb 2021 04:21:34 GMT

@Anonymous wrote:
I found the card I really want.

https://www.chase.com/personal/credit-cards/jpmorgan-reserve-benefits

I read it's almost impossible to get and I only bank with chase for buisssness.

What is it about that particular card that you like?

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

Anonymous — Sun, 14 Feb 2021 06:23:55 GMT

I understand that it is almost the same thing as a CSR but the CSR wieghs 13 grams and the JPMR wieghs 28 grams which is a pretty substantial difference. I know I would really enjoy the feel.

in all honesty it's a very rare card which just makes me want it. I don't need another credit line. With everything going on it's the little wins that count and this would definitely put a smile on my face for a while.

btw thanks to all of you guys. I didn't think I would get some much input so quickly. Great community!

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

Anonymous — Sun, 14 Feb 2021 06:27:11 GMT

That sucks, I'm not, I do a lot of business banking with them. My fiancé is though, I can add myself to one of her accounts

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

FinStar — Sun, 14 Feb 2021 07:32:04 GMT

@Anonymous wrote:
That sucks, I'm not, I do a lot of business banking with them. My fiancé is though, I can add myself to one of her accounts

But, even if added to fiancé's accounts (regardless if CPC), you'd need to be on the Private Bank's radar, at least with assets in the range of around $10MM.

Of noteworthy, it's done by invitation so not something that anyone can request unless a Private Banker (not CPC) can make a recommendation based on your overall HNW portfolio.

I understand you're young and want the bling, but you gotta pay to play (by JPM rules).

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

Anonymous — Sun, 14 Feb 2021 19:47:59 GMT

@Anonymous wrote:
Thanks a lot for the kind words 🙏🏻. I'm glad other people appreciate the hard work. I had a 698 Feb 2020.

AAoA Average Age of Accounts 5years 5 months
AoOA Age of Oldest Account 14 years
AoORA Age of Oldest Revolving Account 14 years
AoYA Age of Youngest Account 1 year 11 months
AoYRA Age of Youngest Revolving Account 1 year 11 months

Equifax 850
Experian 841
TransUnion 829 (but it is reporting wrong info)

So you went from a 698 to a perfect 850 in 1 year. How exactly did you "find the Express Checkout" that allowed such a quick increase.

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

KJinNC — Sun, 14 Feb 2021 20:08:48 GMT

I imagine it's based on derogs aging off or being removed, and/or balances being paid down. But it would be interesting to hear more. You don't see an 850 every day, at least, I don't.

Re: 🚀850 Fico score achieved 🚀 — interested in a new card

FinStar — Sun, 14 Feb 2021 20:18:53 GMT

@Anonymous wrote:
@Anonymous wrote:
Thanks a lot for the kind words 🙏🏻. I'm glad other people appreciate the hard work. I had a 698 Feb 2020.

AAoA Average Age of Accounts 5years 5 months
AoOA Age of Oldest Account 14 years
AoORA Age of Oldest Revolving Account 14 years
AoYA Age of Youngest Account 1 year 11 months
AoYRA Age of Youngest Revolving Account 1 year 11 months

Equifax 850
Experian 841
TransUnion 829 (but it is reporting wrong info)
So you went from a 698 to a perfect 850 in 1 year. How exactly did you "find the Express Checkout" that allowed such a quick increase.

I think Rupert & Cornelius would be interested as well