Those are very good goals. Hopefully you don't fall in the same trap many of us have with the apps 😂
I swear if I hadn't found this place I would just have six or seven cards. 
It has been a fun run though so I'm not complaining. 
@Saeren - That’s funny! - that’s the next question I was going ask you! (It’s like you’re in my head!) 😂 6 months on the PayPal card sounds great.
Since we’re on the subject, would you think the 3X CLI in 61 days is still doable on the BCP?
You mentioned not going app crazy😂 - I almost pulled the trigger on that $7500 Apple Card approval too (it’s just sitting there asking “accept” or “no thanks”) but I just don’t think I’d use it much, if any.
Since we’re on the subject, would you think the 3X CLI in 61 days is still doable on the BCP?
You mentioned not going app crazy😂 - I almost pulled the trigger on that $7500 Apple Card approval too (it’s just sitting there asking “accept” or “no thanks”) but I just don’t think I’d use it much, if any.
@JNA1 wrote:
@Saeren - That’s funny! - that’s the next question I was going ask you! (It’s like you’re in my head!) 😂 6 months on the PayPal card sounds great.
Since we’re on the subject, would you think the 3X CLI in 61 days is still doable on the BCP?
You mentioned not going app crazy😂 - I almost pulled the trigger on that $7500 Apple Card approval too (it’s just sitting there asking “accept” or “no thanks”) but I just don’t think I’d use it much, if any.
You would have to call Credit Solutions to ask for such a large CLI on the PayPal (it tops out at $10K online) but I would give it six months and then call them and ask for $25K. They will counter with what they can offer you.
For AMEX, 3X CLI at 61 days is always worth asking for if you have a solid track record with them and income that can support the limit. If you get asked for tax transcripts, just back out and drop it by $1K until it doesn't ask anymore. If you get a no, just wait til 180 days from account opening. No real loss since no HP. 
The Apple Card is a pretty decent card and they are adding financing offers to it for Apple products. If you have any plans to get something in the near future, it may be worth getting. Also Apple will undoubtedly be adding more partners that earn 3% with time so that's something to think about too but if it's not useful for you right now and you don't need $7500 of utilization padding, don't get it.
Hmm... 🤔
The Apple and the BB&T Spectrum was the only other cards I seriously considered (well the Citi DC too, but I felt PPMC would be better for me). We do all use Apple phones, but I have never bought them from Apple.
How long do you think it will take for my credit rating to bounce back after adding 3 (or maaaaybe 4) new cards?
I don’t plan on any major purchases at all next year (mortgage, auto, etc). I have 8 HP’s (combined) falling off from March to August next year also.
The Apple and the BB&T Spectrum was the only other cards I seriously considered (well the Citi DC too, but I felt PPMC would be better for me). We do all use Apple phones, but I have never bought them from Apple.
How long do you think it will take for my credit rating to bounce back after adding 3 (or maaaaybe 4) new cards?
I don’t plan on any major purchases at all next year (mortgage, auto, etc). I have 8 HP’s (combined) falling off from March to August next year also.
My AAoA was 3 yrs 11 months, with my oldest account being 18 years, so my AAoA isn’t great to begin with.
I just figured it up, and my AAoA should drop to 2 yrs 7 mos after these 3 report, so I hope it shouldn’t hurt me too bad. Based on what I’ve seen when I opened my other accounts, I should see the biggest dip in the first 3 mos.