Time to spree again???

[itpromike]

Ok.... so I'm thinking it's time to spree again. What do you guys suggest, spree or no spree AND which cards to meet my goals? Info listed below:

Credit Limits

BoA Cash Rewards - $5500

Chase Freedom - $5000

Amex Blue Cash Preferred - $24,000

NFCU Flagship Rewards - $25,000

Total Credit Limit: $59,500

The last CC app was Feb 2014 and last HP  was May 2014 (stupid comcast!).

Overall my goal is to get to the $100k club this year (doable?)  and possibly get a nice metal and/or black card.  When I say that I mean $100K in total available credit, not on a single card. Also since we're about to have a baby (do in 3 weeks) I think cash back cards would be the best since we're not going to be traveling anytime soon - then again travel miles could be nice to rack up until we're ready to travel again. At any rate I'm not really picky on which cards I get but I would like high balance cards and a black/metal card. My scores are listed below.

So what do you think should I spree again? Which cards would you suggest? Thanks everyone!!

[Anonymous]

Don't spree 

[itpromike]

Too soon? Why do you think it's not a good idea?

[newhis]

For bonus the Amex PRG with 50K offer with only $1000 in 3 months. But that card will not help you get to $100K club.

Because you already have Chase, then CSP, you can get 45K UR points, but need to use it for $4000 in 3 months.

You can try a CLI with BoA, it will cost a HP but you can ask for $25K, I bet they can give you at least $15K and you can call back again to use the same pull up to 30 days if not to try to get more.

I don't know how much can Discover give you, or Barclay. Good luck.

[itpromike]

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@newhis wrote:

For bonus the Amex PRG with 50K offer with only $1000 in 3 months. But that card will not help you get to $100K club.

Because you already have Chase, then CSP, you can get 45K UR points, but need to use it for $4000 in 3 months.

You can try a CLI with BoA, it will cost a HP but you can ask for $25K, I bet they can give you at least $15K and you can call back again to use the same pull up to 30 days if not to try to get more.

I don't know how much can Discover give you, or Barclay. Good luck.

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CSP could be interesting... Question for you though. Why do you suggest an all new card for Chase and just a CLI for BoA? Is BoA better about CLI's than Chase?

[newhis]

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@itpromike wrote:

CSP could be interesting... Question for you though. Why do you suggest an all new card for Chase and just a CLI for BoA? Is BoA better about CLI's than Chase?

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From all the posts I have read, yes, that's my conclusion. I have read reports from people going from 1K to 10K and 3K to 15K with BoA and never with Chase. Even the banker told my DW when she got her $500 Freedom, "in 6 months you can apply for other card and then transfer the limit, that's better than ask for a CLI".

If you want a new card with BoA maybe they can give you a good limit too.

[scorewatcher7]

When you say 100k club, do you mean 100k on a card, or 100k total available credit amongst all cards? I think you mean total available. 

Anyway, I was looking at your scores.. What's up with Equifax being around 70 points less? I ask because there are creditors that pull EQ and that score, though still good, can be a deal-breaker for a few of those black/metal cards you want so badly. 

[Anonymous]

My suggestions, get your Boa card pc to a Better Balance Rewards card Or Travel Rewards card.

Get a Citi double cash or fia Amex and pc your NFCU card to the nrewards and SD or use for carrying a balance. 

Get a Salle Mae Mastercard for groceries. Only 5% cash back for $250 a month, but no AF. If you spend > $400 per month on groceries it's worth it to keep the bcp.  If not pc to the bce. If <$250 a month, see what other cards Amex would let you pc to.

Get a Chase AARP for reataurants. Maybe look into the Us bank cash +.

I know there are no see metal or black cards, but you maximize your cash rewards and minimize your AF.

[itpromike]

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@scorewatcher7 wrote:

When you say 100k club, do you mean 100k on a card, or 100k total available credit amongst all cards? I think you mean total available. 

Anyway, I was looking at your scores.. What's up with Equifax being around 70 points less? I ask because there are creditors that pull EQ and that score, though still good, can be a deal-breaker for a few of those black/metal cards you want so badly. 

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Great questions. I definitely mean $100K spread accross all cards or total avaiable credit. Not sure how hard it would be to get a single card with $100K on it but I probably wouldn't qualify for something like that anyway lol

Also yeah the Equifax score is jacked because there is an entry I've been fighting to get taken off for 2 years now but for the life of my I can't seem to get the credit bureau to see the error. Essentially there is an account that lists me as 180 past due at some point in 2012 but I wasn't and had never been late on any payment... the issue was they sold off my loan in 2010 to a new company but the old company somehow was still reporting on my report so the old disburesment was still reporting even though the new one had taken over and of course I was paying the new comapny and not paying the previous company. It's a jacked up situation but I'm still fighting it. No idea how to fix it though

[TheGardner]

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@itpromike wrote:

Ok.... so I'm thinking it's time to spree again. What do you guys suggest, spree or no spree AND which cards to meet my goals? Info listed below:

Credit Limits

BoA Cash Rewards - $5500

Chase Freedom - $5000

Amex Blue Cash Preferred - $24,000

NFCU Flagship Rewards - $25,000

Total Credit Limit: $59,500

The last CC app was Feb 2014 and last HP  was May 2014 (stupid comcast!).

Overall my goal is to get to the $100k club this year (doable?)  and possibly get a nice metal and/or black card.  When I say that I mean $100K in total available credit, not on a single card. Also since we're about to have a baby (do in 3 weeks) I think cash back cards would be the best since we're not going to be traveling anyNime soon - then again travel miles could be nice to rack up until we're ready to travel again. At any rate I'm not really picky on which cards I get but I would like high balance cards and a black/metal card. My scores are listed below.

So what do you think should I spree again? Which cards would you suggest? Thanks everyone!!

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Chase Marriott will solve the black and metal requirement.

NFCU cashRewards nice cash back and good limit!

Keep us posted