topic Re: What card are you going to app for in 2012? in Credit Cards

What card are you going to app for in 2012?

CS800 — Tue, 27 Dec 2011 00:12:53 GMT

I know it's early but what card/s do you think you will apply for in 2012? I am in garden mode but thinking about: (not definite)

1. Target RedCard (I go there a lot of the 5% discount looks good)

2. Lowes (still doing rennovations in my house and the 5% discount is attractive)

3. A CITI card (to add to my Prime portfolio; not sure which one makes sense)

4. A PSECU CC. I have a collection falling off my report in 2012.

5. Penfed Promise

I would only get one of the above. But with my other cards, I will try CLI's only with those who SP only. I know Barclays, Wally World and AMEX do SP's for CLI's

I also have Discover, Chase, USAA AMEX but they HP for CLI's as far as I know.

So what say you?

Re: What card are you going to app for in 2012?

Anonymous — Tue, 27 Dec 2011 00:13:37 GMT

amex BCP

Re: What card are you going to app for in 2012?

the_jan_b — Tue, 27 Dec 2011 00:16:17 GMT

American Express...not sure which one yet, but it will be one of the cards that does not have a NPSL; but I won't apply for it until probably May or June.

Re: What card are you going to app for in 2012?

sdoonan — Tue, 27 Dec 2011 00:20:08 GMT

There's a Chase Freedom in my future once I bring down the balance on my Discover card. Depending on the CL, I might actually close out my AMEX BCE (since the CB %'s don't really match up with what my purchase patterns are).

Re: What card are you going to app for in 2012?

nuggets321 — Tue, 27 Dec 2011 00:21:21 GMT

Amex BCE after June 2012

Re: What card are you going to app for in 2012?

jla84 — Tue, 27 Dec 2011 00:25:04 GMT

I'm going to try for Citi Forward and AmEx BCP in May! In the garden for now!

Re: What card are you going to app for in 2012?

Anonymous — Tue, 27 Dec 2011 00:35:30 GMT

Not really sure ... I don't think I need more cards. CLIs.. Sure!

Edit: Oh.. Sapphire Preferred. XD

Re: What card are you going to app for in 2012?

Datx — Tue, 27 Dec 2011 00:27:01 GMT

I plan to go on a CU app spree at the end of 2012, mid December or so:

1. Alliant CU Plat Rewards

2. PenFed CU - Promise

3. PSECU - 20/20 combo

4. FTWCCU - (local CU)

5. Chase Freedom

That is my hit list. I'm also going to try for a Amex BCE in early Jan 2013. If everything goes to the plan I laid out for 2012, but the end of the year my utilization would be around 9% and more FICO scores would look alot better.

Re: What card are you going to app for in 2012?

Anonymous — Tue, 27 Dec 2011 00:26:01 GMT

Amex BCP once my Utilization is down.

Sadly, that's it. There really isn't another card I want and that one isn't even necessary. I already have an Amex Delta (AU) and USAA Amex, but had a Gold card back in the day and would like to strengthen my average age with a little backdating.

The last negative comment falls off my report in September. Maybe I'll wait until then or even Jan 2013 before applying. I need something credit card-wise to look forward to besides CLIs, LOL!

Re: What card are you going to app for in 2012?

JusdoNit — Tue, 27 Dec 2011 00:33:22 GMT

1. Amex BCP

2. Chase

3. Target last (since they seem to be the hardest to get. LMTO)

Re: What card are you going to app for in 2012?

tray — Tue, 27 Dec 2011 00:36:38 GMT

The card on the hit list for 2012 is the chase sapphire preferred, I hope also that great promo bonus continues

Re: What card are you going to app for in 2012?

CS800 — Tue, 27 Dec 2011 00:41:46 GMT

@Anonymous wrote:
Not really sure ... I don't think I need more cards. CLIs.. Sure!

Edit: Oh.. Sapphire Preferred. XD

I will be focusing on cards with no AF preferably. But the Chase Sapphire is tempting (No AF I believe)

Re: What card are you going to app for in 2012?

CS800 — Tue, 27 Dec 2011 00:42:47 GMT

@JusdoNit wrote:
1. Amex BCP
2. Chase
3. Target last (since they seem to be the hardest to get. LMTO)

I didn't know that Target was that hard to get. I have heard that they are stingy with the CL's though.

Re: What card are you going to app for in 2012?

Anonymous — Tue, 27 Dec 2011 00:42:49 GMT

@CS800 wrote:
@Anonymous wrote:
Not really sure ... I don't think I need more cards. CLIs.. Sure!

Edit: Oh.. Sapphire Preferred. XD
I will be focusing on cards with no AF preferably. But the Chase Sapphire is tempting (No AF I believe)

Well, going to dine out alot in Vegas, I'm going to keep it for at least a year for the points. hehe

Re: What card are you going to app for in 2012?

CS800 — Tue, 27 Dec 2011 00:44:26 GMT

@Anonymous wrote:
@CS800 wrote:
@Anonymous wrote:
Not really sure ... I don't think I need more cards. CLIs.. Sure!

Edit: Oh.. Sapphire Preferred. XD
I will be focusing on cards with no AF preferably. But the Chase Sapphire is tempting (No AF I believe)
Well, going to dine out alot in Vegas, I'm going to keep it for at least a year for the points. hehe

I take it you have the Preferred?

Could you PC to the regular Sapphire?

Re: What card are you going to app for in 2012?

Anonymous — Tue, 27 Dec 2011 00:45:33 GMT

@CS800 wrote:
@Anonymous wrote:
@CS800 wrote:
@Anonymous wrote:
Not really sure ... I don't think I need more cards. CLIs.. Sure!

Edit: Oh.. Sapphire Preferred. XD
I will be focusing on cards with no AF preferably. But the Chase Sapphire is tempting (No AF I believe)
Well, going to dine out alot in Vegas, I'm going to keep it for at least a year for the points. hehe
I take it you have the Preferred?

Could you PC to the regular Sapphire?

Going to app for it in 2012..

I don't know about PC, I heard you can't PC from AF to non-AF with Chase though.. But it is the same product, they might allow it.

Re: What card are you going to app for in 2012?

CS800 — Tue, 27 Dec 2011 00:47:16 GMT

@Anonymous wrote:
@CS800 wrote:
@Anonymous wrote:
@CS800 wrote:
@Anonymous wrote:
Not really sure ... I don't think I need more cards. CLIs.. Sure!

Edit: Oh.. Sapphire Preferred. XD
I will be focusing on cards with no AF preferably. But the Chase Sapphire is tempting (No AF I believe)
Well, going to dine out alot in Vegas, I'm going to keep it for at least a year for the points. hehe
I take it you have the Preferred?

Could you PC to the regular Sapphire?
Going to app for it in 2012..

I don't know about PC, I heard you can't PC from AF to non-AF with Chase though.. But it is the same product, they might allow it.

I just got the Freedom so I will wait at least 6 months to see if a PC to the regular Sapphire is possible. Now are PC's SP or HP?

Re: What card are you going to app for in 2012?

quest208 — Tue, 27 Dec 2011 00:51:27 GMT

AMERICAN EXPRESS

if i get approved i wont app again. if i get denied i will app for something else. what i want to apply for is one of the following:

penfed amex

psecu 10/10

chase freedom

boa rewards visa

barclays travelocity (not sure if this is amex bank approval or if barclays approval)

but my journey begins with amex, everything else will follow.

Re: What card are you going to app for in 2012?

Anonymous — Tue, 27 Dec 2011 00:51:57 GMT

@CS800 wrote:

I just got the Freedom so I will wait at least 6 months to see if a PC to the regular Sapphire is possible. Now are PC's SP or HP?

Dunno, everything with Chase seems hard, but since its only a PC it could be soft..

Re: What card are you going to app for in 2012?

CS800 — Tue, 27 Dec 2011 00:55:31 GMT

@quest208 wrote:
AMERICAN EXPRESS

if i get approved i wont app again. if i get denied i will app for something else. what i want to apply for is one of the following:
penfed amex
psecu 10/10
chase freedom
boa rewards visa
barclays travelocity (not sure if this is amex bank approval or if barclays approval)

but my journey begins with amex, everything else will follow.

Good luck on your 'Quest' , pun intended

I will stay away from BOA for another 3 years. They seems to have a beef against me and rightly so; oh well.