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800 FICO: What to Apply for Next?

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Anonymous
Not applicable

Re: 800 FICO: What to Apply for Next?

My main goal when I reach 800 is to have fewer cards with higher 5-figure lines, and cards that I can do something with. That include good rewards and companies with a good reputation. Chase, Barclays, Amex and possibly Discover.
Message 41 of 46
SecretAzure
Valued Contributor

Re: 800 FICO: What to Apply for Next?


@kdm31091 wrote:

I would agree that you don't have to feel obligated to app for anything just because you've reached a certain score. Presumably, you're going to maintain the score, so there's no reason not to just wait until something interests you if you cannot find anything at the moment.


I agree completely with your thinking here, I am not at 800 and knew that with my 3-card setup, I could never successfully hit 800. I app'd for 2 cards this past weekend and got them. I presume with 5 cards, it is very likely I'll be able to hit 800 with some gardening in between. What I want however, is to have credit so good that when I apply for a loan, credit card, mortgage, etc that my score stays above or at least very near to 800. I believe this will require 6 credit cards, at least. Obviously, can't do it all at once. My scores plummeted the moment I received these 2 cards but that's mostly because my AAOA turned into a potato (this will be back up to 2 years by October). 

 

I want my last card or two to be tricky ones to get because I like a challenge. Smiley Happy

 

P.S. Someone please tell me if my Ring or BCE is my hardest to acquire card.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 42 of 46
hot4u
Established Contributor

Re: 800 FICO: What to Apply for Next?


@baller4life wrote:
And Penfed Promise Smiley Wink

+1 Awesome card


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise/Defender.
Amex’s- BCE, Hilton, SPG®, PRG® and Blue®, NFCU Cash Rewards, FHB Destinations World Elite.
- Amex Centurion,(Citi) Executive/Platinum® Advantage


Alaska Airlines
Message 43 of 46
Anonymous
Not applicable

Re: 800 FICO: What to Apply for Next?


@SecretAzure wrote:

Hi, I expect to hit 800 FICO by October (personal goal/mental guessing). I am wondering what people with 800 FICO scores even aim for as next credit card(s). I have heard of the mythical Centurion(?) card and such but really don't know their value. As someone who doesn't travel much, should I bother with a miles card because their benefits are that good to have or is there something else?

 

Okay, ending my rant here.

 

 

What do you all do or plan to do once your FICO reaches 800+? Everyone has goals and I'm wondering what they'll use their high credit scores to achieve/obtain! 

 

 

Thank you for your opinions in advance!


Once I earn an 800+ FICO scores, I plan to buy a small, quaint little home, so I can enjoy a simple life...

Message 44 of 46
SecretAzure
Valued Contributor

Re: 800 FICO: What to Apply for Next?


@beautifulblaquepearl wrote:

@SecretAzure wrote:

Hi, I expect to hit 800 FICO by October (personal goal/mental guessing). I am wondering what people with 800 FICO scores even aim for as next credit card(s). I have heard of the mythical Centurion(?) card and such but really don't know their value. As someone who doesn't travel much, should I bother with a miles card because their benefits are that good to have or is there something else?

 

Okay, ending my rant here.

 

 

What do you all do or plan to do once your FICO reaches 800+? Everyone has goals and I'm wondering what they'll use their high credit scores to achieve/obtain! 

 

 

Thank you for your opinions in advance!


Once I earn an 800+ FICO scores, I plan to buy a small, quaint little home, so I can enjoy a simple life...


Mighty respectable although I think you can do that with 760+ scores too! Smiley Wink

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 45 of 46
Anonymous
Not applicable

Re: 800 FICO: What to Apply for Next?

760 score will get you just about anything.  I did apply for 10 cc recently.  Just testing the waters & seeing which cards treat me the best.  I will always keep my oldest cards but will weed through the others once my CL's are way up there.  I think it's much better to have less cards with higher limits. Smiley Wink

Message 46 of 46
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