Stats first, mulling later:
no TU yet (month or 2 away) no baddies 1 inq.
671 eq baddy goes away in nov, 1 inq 6yr aa
751 xp. 2 inq 6yr aa
cap 1 upgraded to QS (6 months in june)
discover it 1200 3 months mark now
scores should jump nicely next period as i just got my 3rd bank card - got 6k BOA (not reporting yet) however aa will go down to 2-3 years then I’m guesstimating? (2 old closed store cards, 3 open cards within last 6 mo)
I am going to be spending some money - potentially up to 15-20% of my BOA card this month. I’m overreacting maybe, but I think I need another EX card w a good SL before maybe AAOA and Util changes things? Unfortunately there doesn't seem to be many good ones left - PNC, Nasa, TD Visa, Amazon (not sure if they pull EX plus something being Chase). Who am I missing?
Also I’d like to think about the journey a bit. I’m open to advice on how I should be thinking about it down the line. Right now BOA is 0% for 18 months. So goal would be to get a card with low APR to use after that, maybe with low cash advance % if i need it. I don’t know what I should be looking into “holy grail” kind of cards when it applies to me. I remember thinking how cool it was I had a gold Amex at 23. Of the airport lounges I’ll go to and enjoy. I never did go to one. I never got into miles - as I don’t know the $ potential. (I also spend maybe 2-3k a month, but its rent and going out, and I’m not in US currently so a lot of those categories I’m sure don’t translate. Also I don’t buy gas.) So perks have to align with me to make sense. Appreciate the advice from those who've been there.
