topic Re: Are you complete? in Credit Cards

Are you complete?

TiggerDat — Tue, 04 Jun 2013 13:38:17 GMT

Have you gotten to the point where you simply don't want any more cards or have reached your desired card?

I recently got the FNBO Amex and the Delta Gold Amex. I have spent the last few days looking at cards and trying to decide if there is any other card I want.

I can't even think of one. I know I can't get Signature cards yet and don't see the benefit to most of them anyway. I figure the only card I could remotely want is one from my bank for overdraft protection, just in case, but don't even really see the point in it either.

Re: Are you complete?

thom02099 — Tue, 04 Jun 2013 13:43:48 GMT

@bernhardtra wrote:
Have you gotten to the point where you simply don't want any more cards or have reached your desired card?

I recently got the FNBO Amex and the Delta Gold Amex. I have spent the last few days looking at cards and trying to decide if there is any other card I want.

I can't even think of one. I know I can't get Signature cards yet and don't see the benefit to most of them anyway. I figure the only card I could remotely want is one from my bank for overdraft protection, just in case, but don't even really see the point in it either.

Short answer? Yes! I have all the cards I could ever need or want. Well, if a Palladium or Centurion offer came along, I'd not have to think twice...but that won't happen!

Re: Are you complete?

SSA_2013 — Tue, 04 Jun 2013 13:55:18 GMT

@bernhardtra wrote:
Have you gotten to the point where you simply don't want any more cards or have reached your desired card?

I recently got the FNBO Amex and the Delta Gold Amex. I have spent the last few days looking at cards and trying to decide if there is any other card I want.

I can't even think of one. I know I can't get Signature cards yet and don't see the benefit to most of them anyway. I figure the only card I could remotely want is one from my bank for overdraft protection, just in case, but don't even really see the point in it either.

I feel the same way. I have looked at my accounts and I don't have any real interest in any other cards right now. At some point I may get an Amex but don't see the benefits of it right now. I can't use Amex everywhere I go...so the rewards wouldn't accumulate as fast. I have my card linked to my checking for overdraft protection and have 8 cards. Given my age...I think I've done a decent job establishing credit and already feel complete.

Re: Are you complete?

Anonymous — Tue, 04 Jun 2013 14:13:59 GMT

No I would like a Amex BCE and and Chase Freedom and I will be complete.

Re: Are you complete?

Anonymous — Tue, 04 Jun 2013 14:28:34 GMT

AMEX BCP and Cap One Venture is all that's desired for me. Technically I really don't need those, I have all the ones I've wanted for a while now. Those would be nice, but not a must by any means.

Re: Are you complete?

Anonymous — Tue, 04 Jun 2013 14:35:43 GMT

I want at least Freedom and CSP, maybe also one no preset limit card.

Re: Are you complete?

dddewdrop — Tue, 04 Jun 2013 14:46:34 GMT

My goal is to get a Citi card and an Amex eventually and then I will be complete. My goal since starting rebuilding has been to get to the point where I have 6 healthy aging tradelines.....

Re: Are you complete?

jamesdwi — Tue, 04 Jun 2013 14:48:50 GMT

I'm thinking about a Citi Hilton card, since I'm basicly in hiltons 5 days a week till the end of the year and would love another 40,000 pts. Also a Visa Signature card would be nice, which getting the Citi card may meet that requirement as well. I think I have have enough credit allready and with 3 cards now over 5k, don't feel the need for CSP but may get it anyway no AF first year and $400 in cash. Deffinetly won't keep it after the first year (would downgrade it to the no AF version) unless I travel a lot more. I have been loving all the SP CLI's because I have had only 1 HP in the last 6 months creditors really love me for that.

Discover IT invites are in my mailbox every week, nice rewards and fairly low APR's would be nice to have, but still debating not sure I about stopping all the SP CLI's from other lenders for it. But would like to see what starting limit they would give me.

AMEX PRG sounds good in January just for backdating goodness, really don't need another charge card but rewards are good and 3 years backdating can't hurt.

Re: Are you complete?

dddewdrop — Tue, 04 Jun 2013 14:56:32 GMT

@jamesdwi wrote:
I'm thinking about a Citi Hilton card, since I'm basicly in hiltons 5 days a week till the end of the year and would love another 40,000 pts. Also a Visa Signature card would be nice, which getting the Citi card may meet that requirement as well. I think I have have enough credit allready and with 3 cards now over 5k, don't feel the need for CSP but may get it anyway no AF first year and $400 in cash. Deffinetly won't keep it after the first year (would downgrade it to the no AF version) unless I travel a lot more. I have been loving all the SP CLI's because I have had only 1 HP in the last 6 months creditors really love me for that.

Discover IT invites are in my mailbox every week, nice rewards and fairly low APR's would be nice to have, but still debating not sure I about stopping all the SP CLI's from other lenders for it. But would like to see what starting limit they would give me.

AMEX PRG sounds good in January just for backdating goodness, really don't need another charge card but rewards are good and 3 years backdating can't hurt.

Sounds like a plan.

Re: Are you complete?

youngandcreditwrthy — Tue, 04 Jun 2013 14:59:31 GMT

I'm prett complete. I want Amex Platinum for the next better paying job I get. And I also may need to refi some cc debt in six months or so. Might app for Penfed or PNC. :-)

Re: Are you complete?

Anonymous — Tue, 04 Jun 2013 15:05:43 GMT

At the moment, yes....

Re: Are you complete?

Sevenfeet — Tue, 04 Jun 2013 17:09:19 GMT

I don't need anymore really. I do have a Chase Sapphire Preferred offer by mail sitting on my desk that I'm still debating on. I don't really need it and certainly don't need another AF travel card. But the intro points offer is a little more than normal and I'm debating whether it's worth the trouble to get the money. I already have more cards than I ever thought I'd be carrying six months ago (when I began with three).

Re: Are you complete?

warofkraid — Tue, 04 Jun 2013 17:54:43 GMT

I felt more 'complete' after having once card of each of the main credit cards, being Amex, Discover, MC, & Visa. Might try for more some day but for now I'm satisfied.

Re: Are you complete?

Anonymous — Tue, 04 Jun 2013 18:03:47 GMT

@Sevenfeet wrote:
I don't need anymore really. I do have a Chase Sapphire Preferred offer by mail sitting on my desk that I'm still debating on. I don't really need it and certainly don't need another AF travel card. But the intro points offer is a little more than normal and I'm debating whether it's worth the trouble to get the money. I already have more cards than I ever thought I'd be carrying six months ago (when I began with three).

But but but but it's metal.

Re: Are you complete?

Agent86 — Tue, 04 Jun 2013 18:49:42 GMT

I have pretty much all the cards I want. At some point if I start flying enough for work to make the annual fee worth it, I might get an Amex Platinum card just for the flight perks, but that's about it. Mainly I'd like to just modify the terms of my present cards to get lower APRs across the board and get CLI's on CapOne Venture One and Amex BCP.

Re: Are you complete?

Anonymous — Tue, 04 Jun 2013 18:51:38 GMT

At this point, I'm only missing one: the CSP. But other than that, I think I'm good for now... actually for a while.

Re: Are you complete?

Anonymous — Tue, 04 Jun 2013 19:12:15 GMT

Not really, I want to get a Total Rewards card at Cesars properties so I can avoid resort fees in Vegas....and maybe a Southwest Rapid Rewards card

Re: Are you complete?

HiLine — Tue, 04 Jun 2013 19:13:42 GMT

The only thing I still need is a Mastercard. Visa, Amex, Discover, I have them all covered.

Re: Are you complete?

Anonymous — Tue, 04 Jun 2013 19:25:27 GMT

Yep, I'm happy with everything that I have and I feel like my wallet's complete.

Now my DH, that's another story. I can continue the fun with helping him complete his rebuild. We need to look at rounding out his wallet.

Re: Are you complete?

Stralem — Tue, 04 Jun 2013 20:35:41 GMT

I have Visa, MasterCard, and a Discover, so all I need now is an Amex. Preferrably a Blue Cash Everyday.

But alas, my current AAoA and inquiries are preventing me from acquiring one right now. Maybe in another year.

Or three. ;/