topic Re: Credit Card Apping for 2008 in Credit Cards

Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 02:00:03 GMT

What credit cards do you got your eyes on for 2008?

If you are going to be apping who is going to get your business---

I got my mind right now on Hooters, Kays Jewelers (maybe), Shell Gas Card and JCP --The Shell and JCP (I got preapprovals in mail just need to mail them back --probably wont under last week of Dec LOL) Then I think I am done for a few years I honestly think I got enough--at least I think--

DH going for Best Buy, Lowes, and either one WAMU or HOOTERS

If you got any feedback to provide on either of those (shell or JCP) share please before I get myself into them?

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 02:08:38 GMT

Kohls...and maybe Discover.

I really want a store card and I the two trips I make to Kohls a year will make sure I don't abuse it or lose it.

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 02:13:37 GMT

Nothing- unless around mid June July I get enough of a score bump to maybe app for a zero percent for a year...

just going to be looking for some luv w/ the CLI's. Will be paying off the zero percenters that I had to put the tuition on anyway.

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 02:18:57 GMT

Well my plan for next year to get HSBC DISCOVER,OR WAL-MART DISCOVER CARD,DILLARD'S CARD ,and KOLL'S CARD .

Is that too many ??

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 02:23:10 GMT

where do i start?

major banks

bank of america

maybe wachovia

credit unions

nasa

penfed

patelco

cccu

dfcu

maybe a local cu

cli's

chase

home depot

jfcu

amex

citi

nat city

kemba cu

i'm open to new prospects.

Message Edited by dnm45227 on 12-04-2007 09:23 PM

Re: Credit Card Apping for 2008

TULO30 — Wed, 05 Dec 2007 02:23:48 GMT

Only card left for me to acquire is AMEX. But, I have some bad lates on my credit report from 2003 so I have to wait until they drop off in 2009. So, to answer your question I will not apply for a credit card in 2008. I currently have a balance of 6K on one credit card and I will spend next year paying that bad boy off!!

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 02:30:30 GMT

creditdream wrote:
Well my plan for next year to get HSBC DISCOVER,OR WAL-MART DISCOVER CARD,DILLARD'S CARD ,and KOLL'S CARD .
Is that too many ??

You're probably safe with going with one or two. I wouldn't do more than that.

Actually, I have...just signed up for three in the past few months. Yikes!

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 02:35:49 GMT

I do believe I have all that I need. When I arrived here in May, I had only CAP1 and HBSC. I have since gotten rid of them and acquired AMEX,BOA, CHASE, CITI. PENFED. I have a hook-up to NFCU but have only opened a share account with them. I am good to go and need no more cards, just need to work the ones I have. All is well in my world...thanks to MYFICO.

Re: Credit Card Apping for 2008

Niki9 — Wed, 05 Dec 2007 02:38:16 GMT

I have been out of control the last 45 days w/ my cc apping...

So, I have no plans on applying for new cards.

I will not apply for new cards in 2008. I will not apply for new cards in 2008. I will not apply for new cards in 2008. I will not apply for new cards in 2008. I will not apply for new cards in 2008. I will not apply for new cards in 2008. I will not apply for new cards in 2008. I will not apply for new cards in 2008.

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 02:39:35 GMT

Nothing til Nov and then only Advanta Biz.

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 02:44:52 GMT

Nothing until I reach my 2008 goal : 1st Mortgage !!!

Afterwards I will line up my dream cards.

Re: Credit Card Apping for 2008

haulingthescoreup — Wed, 05 Dec 2007 02:55:01 GMT

Once I hit 720 x2 plus EQ above 700, and if I can GW off at least one late:

1 AmEx charge--probably the greenie (I'm cheap!)
1 AmEx credit--whichever has no BT fee and lowish BT interest
Discover Motiva
one more good BT card

I'm planning remodeling, and I would love to delay putting the expenses on the HELOC, if I can do lower/ 0% interest for a while.

If the economy goes to hell, though, I'm OK, I'll just use the HELOC as planned.

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 04:27:11 GMT

My 2008 Master Plan:

January: First Amex CLI

March: Join Delta CCU, get the Visa

August: Close Orchard secured

September: Accept Target's Visa upgrade offer

October: Product change - Delta Skymiles to Blue (maybe Blue Cash, but most likely Blue)

I'm still stinging from my Macy's and Hooters denials from a few months ago, and part of me wants to reapply for those cards, just to prove I can get them now. I know that's not a good reason to apply, though, so I will restrain myself.

Re: Credit Card Apping for 2008

Creditaddict — Wed, 05 Dec 2007 04:38:06 GMT

for who asked earlier... JcPenney gives out increases very often if you use your card, carry a balance and pay on time. Went from 200-1000-2200-3?00something-4200

Shell - if that's where you get gas, then sure... I just got the business one.

oh and def. go for kays... easy HUGE CL to add to your file!!!

MY 2008 Plans

When my TU finally starts to come around

Hooters, Carnival Seamiles

Wamu if they send me an offer!

hmmm any other ideas?!

Re: Credit Card Apping for 2008

Red1Blue — Wed, 05 Dec 2007 12:59:02 GMT

I dont think I need any more cards, may be since I have HSBC Discover now, try to get a real Discover Card. Get some more baddies out of the CR and reach mid 700's

Re: Credit Card Apping for 2008

ccaddict — Wed, 05 Dec 2007 13:20:45 GMT

Citi, wamu and cccu

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 16:33:17 GMT

For me who knows?

Depends on what stores are having fantastic shoe sales, or purse sales they've got going on at the time! If they are great, knowing me, I'll probably succumb to temptation and go for a store card. grrrr. I hate when that happens.

Bank cards? No clue. Joining a CU is looking good.

But the main priority is getting higher cl's on my existing cards, if possible.

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 16:40:43 GMT

TheCynicalOne Thanks for your advise .

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 17:46:58 GMT

I only have one card in mind its a regional bank in my area called M&I Bank. They have a rewards CC that I am dying to get. The program is great and straight forward, IMHO. I have accounts with them and have the rewards debt card, so the CC will just add to my rewards!

Re: Credit Card Apping for 2008

Anonymous — Wed, 05 Dec 2007 17:48:18 GMT

Unfortunately they are ULTRA conservative, so I need to get my scores up to be able to app.