topic Re: Your Goals for 2013! in Credit Cards

Your Goals for 2013!

ramblin_wreck08 — Thu, 17 Jan 2013 13:38:31 GMT

Let's hear them! Do you want to reach a certain credit score? Reach a certain credit limit? Acquire one or a host of cards? Or is it your goal to faithfully garden all year to get that dream home?

Whatever your credit goal for 2013 is, let us know. Hopefully we can help each other achieve our goals along the way!

Re: Your Goals for 2013!

SwiftTone — Thu, 17 Jan 2013 13:52:09 GMT

For 2013 I want my FICO to be all above 760 by the end of the year, and my utilization to be kept at <5% at all times. I’m planning another round of app spree of 2-3 more cards in April. But before that I’m going to request a CLI for my BCE. Its been way past my 61 days but AMEX hasnt softed me yet. I probably won’t request the full 3x as I’d be happy to get anything over $10,000, preferably $11,000. After the new limit has reported, I will app. I’ll be gunning for Chase Priority Club mainly for the points and the free night annually. Also I’m looking to app for Citi Dividend which ultimately I want the World Elite MasterCard version. This card would diversify my card portfolio with my banks and also I just really want the benefits of World Elite MasterCard. I have not been able to find out if I can directly apply for the World Elite version. If I do get this card, I’ll be changing my CSP from World MasterCard to a Visa Signature. I haven’t decided on my 3rd card yet but it’ll be either be an AMEX for back dating purposes or whatever card that has an outrageous reward or signup bonus.

Re: Your Goals for 2013!

Anonymous — Thu, 17 Jan 2013 13:55:05 GMT

My goals for the year were to get the Platinum Delta AMEX, and also get the CSP. I knew I had a good chace to get the AMEXD but thought it would be a long shot to get the CSP becasue of a previous charge off with Chase and quite a few new accounts. Applied for both this month and get accepted for both, I guess I need some new goals now!!!!!

Re: Your Goals for 2013!

jsickz32 — Thu, 17 Jan 2013 13:56:49 GMT

CSP is all i care about this year!

Re: Your Goals for 2013!

jennylocha — Thu, 17 Jan 2013 14:20:39 GMT

My goal this year is to at least break the 700 mark on my scores all across the board, join the Discover family and to increase my limits substantially to go into 2014. I am on my way..... Went on a few major app sprees from August 2012 to January 2013 and I am determined to stay in the garden until my birthday in December for the Discover. So far this forum has helped me start up my credit and maintain my scores and grow my limits! I love this place!

Re: Your Goals for 2013!

jcstarkey8826 — Thu, 17 Jan 2013 14:34:43 GMT

for the next 9 months I'll be trying to CLI CLI CLI!!!! Also hoping to add a nice limit CC to the mix and call it a day. In september I hope to buy my first home, and not too long after that I am debating around christmas buying a new car

Re: Your Goals for 2013!

Swapmeet — Thu, 17 Jan 2013 14:39:22 GMT

I would like to buy 3-5 small houses, join the amex revolver and discover families, and while I'm at it, perhaps a freedom or saphire. Lofty, I know, but 2013 lasts a long time.

Re: Your Goals for 2013!

thom02099 — Thu, 17 Jan 2013 15:08:34 GMT

After CLI on JP Morgan Select Visa in April to $10K, it's garden, garden...GARDEN!

I've been very lucky already this year, with CLI and 2 new cards within the first few weeks of this new year. I think my signature speaks for itself, and more importantly, speaks volumns about the GREAT information that one can glean from this site to improve one's situation. I'm extremely grateful for the wisdom that can found on a site such as this and the camaraderie from it's participants !

Re: Your Goals for 2013!

calihlove75 — Thu, 17 Jan 2013 15:27:10 GMT

@ramblin_wreck08 wrote:
Let's hear them! Do you want to reach a certain credit score? Reach a certain credit limit? Acquire one or a host of cards? Or is it your goal to faithfully garden all year to get that dream home?

Whatever your credit goal for 2013 is, let us know. Hopefully we can help each other achieve our goals along the way!

My goal is to get rid of most of my inquiries and let things just age. I opened 7 new credit card accounts and 4 new student loans in 2012 so I am sure it is hurting my score big time.

Re: Your Goals for 2013!

bluesnowman — Thu, 17 Jan 2013 15:35:50 GMT

My goals are relatively simple for this year. I have already apped for pretty much all of the cards I need or want (might close my PRG when the annual fee time comes.) But the only cards I really want are the Chase Freedom and Amex BCE, and am planning to apply for it either on June 3rd or 4th. And hopefully a small CL (300 on BOFA to 1,000, 500 each on Discover and Citi to 2,000.) Other then that, I plan to garden until my income gets bigger, or I find another card I can acquire (that isn't a visa signature, my income probably won't let me qualify for a Visa Signature right now.) That's it for this year.

Re: Your Goals for 2013!

android01 — Thu, 17 Jan 2013 15:54:01 GMT

There are really no compelling cards I want in 2013, so I'm going to focus on the maximum FICO scores possible. I'm shooting for an 819 with EQ (Beacon 5.0), an 844 with EX (Fair Isaac V2), an 850 (TU08), and 843 (TU98).

Re: Your Goals for 2013!

MsLadyRover — Thu, 17 Jan 2013 16:22:09 GMT

My goals for 2013 are to:

1. Make it to my gold spade.

2. Get scores in the 700 Club.

3. Delta AMEX

4. Discover IT

In this order.

Re: Your Goals for 2013!

jla84 — Thu, 17 Jan 2013 17:01:53 GMT

My main goal is to get my scores up to 750+. That was my goal last year, but I didn't hit it. I'm also planning on getting the BCE, and to let the majority of my INQs drop (almost all are from 2011).

ETA: I'd also like to get all my main bank cards to 10K CL or above!

Re: Your Goals for 2013!

Flynursemsn — Thu, 17 Jan 2013 17:02:39 GMT

My goal is to have no reminders of ID theft/fraud, and to finally have the last three fraud accounts destroyed. Then will likely not possible, would love to have my FICO over 800. Being at 641 right now that may be difficult. I only have one one active account on my CRA's a BOA Sig CC 25000/ 100 balance. Never get one, they don't report your credit limit and wont, so can tend to hurt ones score.

Being a rather easy going guy, I have to admit, with two of the remaining accounts, I hope to learn enough on here to make the OC and two of the CRA folks feel some real stress, maybe time to victimize them a little. I wont, but what a great fantasy. But I sure as hell wont let them victimize me anymore. Four years of this is enough.

Re: Your Goals for 2013!

daybreakgonesXe — Thu, 17 Jan 2013 17:35:54 GMT

Gardening!!! Have a comfortable portfolio of 6 cards and dont need anything new for quite a while since i want to see my scores rise to help my itch i will be anticipating a new debit card in April, changes to my Orchard in the spring and potentially a new card no later than June, and maybe some auto CLI. Worse comes to worse ill go for $7200 on my jcp in April! Waiting out for my AAoA to go above two years!

Re: Your Goals for 2013!

Anonymous — Thu, 17 Jan 2013 21:15:26 GMT

1. Pay down what balances I have.

2. Get credit limit increases on Citi, Chase and Discover.

3. Break the 700 mark for my scores.

4. Allow my cards to age. Most of them are 1-2 years old or less so I don't need any new credit really.

I'm pretty sure that I'll achieve #3 by doing #1 though.

Re: Your Goals for 2013!

isoldmyatlas — Thu, 17 Jan 2013 21:45:33 GMT

I somehow managed to score my first goal card for 2013 (Amex BCE) already, so now my goal is to garden until April. In April I plan to ask for a CLI on my Discover, and in July I plan to ask for CLIs on my Amazon Rewards and BCE.

I know I want Chase's Priority Club or Hyatt card at some point, but whogavemecredit has no info on profiles of those getting approved! So since I don't have enough info on it, I'm not yet setting it as a 2013 goal.