December Approvals

Anonymous · ‎12-31-2017

A couple years into my rebuild, I decided to obtain cards that are useful to me instead of limit-padding. Since I am close to retirement and intend to travel extensively,

I PC my Chase CSP to the CSR. Also got a CLI from 10k to 14.5k,

applied for the Barclaycard JetBlue. 12k approval,

applied for the Amex SPG. 16k approval,

CLI my BoA CR from 10.6k to 20.9k (asked for 25k).

in the next couple months, I will close my

Citi DP 8.4k

Barclay Arrival+ 5k

Cap one Qs 7.25k

Cap one GM .725k

Discover 9k

Aaoa: 2 years 5 months

Inq: Ex. 10

Eq. 3

TU. 9

Inc: 166k reported

FICO score at the time of apps:

Ex. 743

Eq. 775

TU. 776

Util. 7%

I will be in the garden until Dec 2018.

Anonymous · ‎12-31-2017

@Anonymous wrote:
A couple years into my rebuild, I decided to obtain cards that are useful to me instead of limit-padding. Since I am close to retirement and intend to travel extensively,

I PC my Chase CSP to the CSR. Also got a CLI from 10k to 14.5k,
applied for the Barclaycard JetBlue. 12k approval,
applied for the Amex SPG. 16k approval,
CLI my BoA CR from 10.6k to 20.9k (asked for 25k).

in the next couple months, I will close my
Citi DP 8.4k
Barclay Arrival+ 5k
Cap one Qs 7.25k
Cap one GM .725k
Discover 9k

Aaoa: 2 years 5 months
Inq: Ex. 10
Eq. 3
TU. 9
Inc: 166k reported
FICO score at the time of apps:
Ex. 743
Eq. 775
TU. 776
Util. 7%

I will be in the garden until Dec 2018.

Wow, Petionville, same situation here... I could have written that!

December saw the following (after 18 months in the Garden)...

Opened:

Home Depot: 8,000 SL

Barclay Aviator: 17,000 SL

Chase AARP: 6,000 SL

Discover: 7,500 SL

Closed:

Barclay UPromise (5,500 CL)

Also added BOA BBR (AU to Joint) with a 500% CLI and a 2% IRR.

FICO 8:

EQ 790 (3)

TU 770 (4)

EX 760 (6)

AAoA: 2.4

UTIL: 3%

Income: 60,000

Congrats on your build...maybe see you on the road, someday!

AverageJoesCredit · ‎12-31-2017

Awesome job, awesome plan

Anonymous · ‎01-01-2018

Very nice.

Also, great data points. I wish everyone did it similar to the way you did it.

Harvey26 · ‎01-01-2018

@Anonymous wrote:
A couple years into my rebuild, I decided to obtain cards that are useful to me instead of limit-padding. Since I am close to retirement and intend to travel extensively,

I PC my Chase CSP to the CSR. Also got a CLI from 10k to 14.5k,
applied for the Barclaycard JetBlue. 12k approval,
applied for the Amex SPG. 16k approval,
CLI my BoA CR from 10.6k to 20.9k (asked for 25k).

in the next couple months, I will close my
Citi DP 8.4k
Barclay Arrival+ 5k
Cap one Qs 7.25k
Cap one GM .725k
Discover 9k

Aaoa: 2 years 5 months
Inq: Ex. 10
Eq. 3
TU. 9
Inc: 166k reported
FICO score at the time of apps:
Ex. 743
Eq. 775
TU. 776
Util. 7%

I will be in the garden until Dec 2018.

Might want too combine your Arrival + limit into Jetblue. and out of curosity why do you want to close your discover?

Amex Everyday: 32k, Macys Amex: 4k , BOA Premium Rewards: 70k , Best Buy Visa: 7k , VACU Mastercard: 11.5k, Discover: 25k, Amex Platinum (POT: 37.5k), Apple Card:4K, Saks WEMC 18.7k, PNC Cash Unlimited: 30k, Citi Costco: 9.5k, Chase Amazon Prime: 35k

Anonymous · ‎01-02-2018

Good idea! I will call Barclay and ask. As to Discover, no real reason to close it; just too many cards to manage. Then again, there’s no real reason to keep it either.

thanks Harvey

Anonymous · ‎01-02-2018

@Harvey26 wrote:
@Anonymous wrote:
A couple years into my rebuild, I decided to obtain cards that are useful to me instead of limit-padding. Since I am close to retirement and intend to travel extensively,

I PC my Chase CSP to the CSR. Also got a CLI from 10k to 14.5k,
applied for the Barclaycard JetBlue. 12k approval,
applied for the Amex SPG. 16k approval,
CLI my BoA CR from 10.6k to 20.9k (asked for 25k).

in the next couple months, I will close my
Citi DP 8.4k
Barclay Arrival+ 5k
Cap one Qs 7.25k
Cap one GM .725k
Discover 9k

Aaoa: 2 years 5 months
Inq: Ex. 10
Eq. 3
TU. 9
Inc: 166k reported
FICO score at the time of apps:
Ex. 743
Eq. 775
TU. 776
Util. 7%

I will be in the garden until Dec 2018.
Might want too combine your Arrival + limit into Jetblue. and out of curosity why do you want to close your discover?

Good idea! I will call Barclay and ask. As to Discover, no real reason to close it; just too many cards to manage. Then again, there’s no real reason to keep it either.

thanks Harvey