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Takeing poll what card should I go for next?

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firefox100
Valued Contributor

Takeing poll what card should I go for next?

 

Hi guys below is list of card that I have currently , Chase and Amex not available to me.

 

Discover 29K, BOA mastercard 25K, Citi DD mc cash 15K, Wells fargo propel amex 15K, US bamk cash visa 14.5K

 

TD bank visa cash 14K, Apple gs 10K, Merick bank visa 3150 , Cap one wallmart  mc 19K, Quick silver mc 4.7K, Cap one Sparks bus visa 2K, Uber barclays visa 12K, barclays ring mastercard 8K, Synchrony Jcpenne 18K Blispay visa 2K. Ok what is the next card should be in my wallet or on my living room wall.

Message 1 of 11
10 REPLIES 10
JR_TX
Valued Contributor

Re: Takeing poll what card should I go for next?

First, might I suggest ditching Merrick? Kinda like a sore thumb sticking out of your nice collection! 😜

 

Then Penfed $25K, AOD $15K.... to name a few

 

 

 

New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 7y10m | UTIL 1% - 4% | $300K+ Total Limits

Message 2 of 11
Anonymous
Not applicable

Re: Takeing poll what card should I go for next?

Why not the Apple Radium?005EB3A1-8A6B-4478-8851-8F899A6BC0C6.png

 

Message 3 of 11
Anonymous
Not applicable

Re: Takeing poll what card should I go for next?

Looks like there's a whole lotta CUs not in your stack of cards OP. I'd look into them.

Message 4 of 11
Remedios
Credit Mentor

Re: Takeing poll what card should I go for next?

Is "None" an option on this poll? 

 

Based on all your previous threads, you're barely using what you have.

 

Apply for whatever you're spending money on. 

If you're just collecting cards, pick a name and apply. 

 

Just so you know, a new accounts could potentially interfere with your CLI quests. 

Message 5 of 11
Brian_Earl_Spilner
Credit Mentor

Re: Takeing poll what card should I go for next?

I'm gonna go with none, as well. 

    
Message 6 of 11
NRB525
Super Contributor

Re: Takeing poll what card should I go for next?


@Anonymous wrote:

Why not the Apple Radium?005EB3A1-8A6B-4478-8851-8F899A6BC0C6.png

 


Would look nice framed on the living room wall.

 

My thought is, apply for a new card only if you are willing to see the two Barclay's cards reduced. If not a lot of spend, one of your CL somewhere is likely to get cut.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 7 of 11
firefox100
Valued Contributor

Re: Takeing poll what card should I go for next?

 

Yes the Merrick visa card with a limit of 3150 stick out but I have rule that I don't close accounts because I don't want to take hit on credit history have the card since 2012. I also don't want to pay annual fees. I want to see how many credit card that I can get, it is game. I want to see if can ever get back to total credit line that I had back in the 90's before I went bad for more that couple hundred K. never going to go bad again.

Message 8 of 11
Anonymous
Not applicable

Re: Takeing poll what card should I go for next?

You won't take a hit - it'll stay for up to ten years and report in your age factors. By then with the collection of cards you've piled up, when it falls off it won't even register as a peep.

Message 9 of 11
firefox100
Valued Contributor

Re: Takeing poll what card should I go for next?

 

Cards that I am looking at are the 2 percent cash back paypal mastercard the Wells fargo Visa cash wise  also the Penfed power cash visa.

Message 10 of 11
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