cancel
Showing results for 
Search instead for 
Did you mean: 

Epic sigh, today will haunt me

Highlighted
Valued Member

Re: Epic sigh, today will haunt me

yes i will! thank you!

01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 21 of 27
Highlighted
Community Leader
Mega Contributor

Re: Epic sigh, today will haunt me

Hey no worries. When you go from having no cards or bad cards and start getting approved, it can be addicting. Some great things came from this. You got cards you actually WANTED, a bonus, and you learned from your experienceSmiley Happy

I'm in same boat basically rebuilt last 2 years after going 10 years( bk) with no credit. After that first year and half , i have finally learned the most important lesson of all, credit is a marathon not a sprint. Corny but trueSmiley Happy. I regret many of my hps , especially when i knew i wouldnt get it so i have a few that i have nothing to show for. But we learnSmiley Happy
Message 22 of 27
Highlighted
Valued Member

Re: Epic sigh, today will haunt me

Exactly right and well put! before i started my little credit journey i had no idea how benefitial they could be when used correctly, in rewards and cash back. i never use cash or a debit card anymore and have been glad at myself for keeping my UTL low

01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 23 of 27
Highlighted
Community Leader
Mega Contributor

Re: Epic sigh, today will haunt me

Also one thing looking at your current lineup, you have that magical thing we like to call DIVERSITYSmiley Happy. Never good to hsve all eggs in one basket. Treat Amex well and those puppies will grow nicely which will help with future apps and sls from other lendersSmiley Happy
Message 24 of 27
Highlighted
Valued Member

Re: Epic sigh, today will haunt me

thank you, i feel like it is a nice variety. i dont think i need anything else, just to let them grow. AmEx i have deffinately been on my best behavior with, its my most used card right now i usually have it paid to zero before the period ends and show no balance, not sure if its the best way to go or to show a small balance but i figure another card can show a balance, AmEx knows what ive spent and paid ive always figured

01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 25 of 27
Highlighted
Community Leader
Mega Contributor

Re: Epic sigh, today will haunt me

I am doing the same with Amex. Pif is a good way to go but i also believe by being responsible, they wouldnt mind a carried balance or 2 once in awhile. I know on their charge cards, they offer POT, to some, lol, and its a nice option to have.
Message 26 of 27
Highlighted
Regular Contributor

Re: Epic sigh, today will haunt me

Took me to age 52 to figure that out.
Inquiries 5-7 across.
UTI 8%
AAoA 2.7
Total Annual Fees $385
No baddies
193k Total Credit
Goal 2020 $225k
Next up: Chase Cards. Garden til 4/20







Message 27 of 27
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.