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2020 will be my last full year inside of my Chapter 13 so I'm definitely excited about that. 2020 I will focus on letting my few cards that I have grow and praying that my NFCU Secured card graduates next week as I would use that card exclusively. Outside of that, I'm in the garden until Oct/Nov 2021 unless I decide to move forward with a condo purchase the 2nd half of 2020. I'm wishing everyone much success in 2020 with whatever you may touch.
@coreyb80 Kudos on your plan to garden 'til 2021. Think about confirming it with a seedling? I love seeing my spades change colors as my time in the garden increases; and it has made me stay put and focused on my goal.
@CreditInspired wrote:@coreyb80 Kudos on your plan to garden 'til 2021. Think about confirming it with a seedling? I love seeing my spades change colors as my time in the garden increases; and it has made me stay put and focused on my goal.
Thanks for the idea. Now I gotta figure out how to do it on here and watch it grow.
@coreyb80 wrote:
@CreditInspired wrote:@coreyb80 Kudos on your plan to garden 'til 2021. Think about confirming it with a seedling? I love seeing my spades change colors as my time in the garden increases; and it has made me stay put and focused on my goal.
Thanks for the idea. Now I gotta figure out how to do it on here and watch it grow.
I even forgot how to do it--shame on me 😂🤣😆. So I'm calling on @Anonymous or @AverageJoesCredit for backup.
I’m entering 2020 with 3 clean credit reports for the first time in recent memory. My credit card goal for this year is to review the cards that I picked up in my April 2019 spree...some will not survive their second year, as I want to streamline.
In my excitement to add prime cards, I rushed in to a card or two that really have no relevance to my spend. In the second half of the year I am looking to pick up AMEX BCP, but otherwise sit tight and let my surviving cards grow.
@CreditInspired wrote:
@coreyb80 wrote:
@CreditInspired wrote:@coreyb80 Kudos on your plan to garden 'til 2021. Think about confirming it with a seedling? I love seeing my spades change colors as my time in the garden increases; and it has made me stay put and focused on my goal.
Thanks for the idea. Now I gotta figure out how to do it on here and watch it grow.
I even forgot how to do it--shame on me 😂🤣😆. So I'm calling on @Anonymous or @AverageJoesCredit for backup.
Haha!! I had to google the instructions and got it. Thanks for the help!
I totally feel you AJC.....did the same myself this last year....wanted cash back only and kept a few for "status" with airlines and hotels, to that end I PC'd Hilton Aspire to plain Hilton, got rid of Amex Platinum, $550 was getting crazy for me...AA citi Exec....PC to AA platinum, saved even mo money....then on to the cash redemption, kept PPMC because well .01 redemption, ousted Marvel, Citi DC, Amex schwab investor, and dumped a lot of business cards as we only need two for the home business....It does feel WAY better to have less and watch over less. Being super secret double Platinum member with BoA or whatever they call it when you have an S load of money in Merrill has worked out WONDERFUL for me cash back wise...loving all the BOA cards I have.....ENJOY the new year my friend and have a FANTASTIC 2020!!! P.S. this just reminded me to change my signature, as half these cards are gone! LOL
My goals for 2020
1. Pay off two 0% promo balances (Care Credit and NFCU) about 10K
2. No New Accts (been very busy in 2018-2019)
3. Garden til June 2021
4. Grow current limits specifically with AMEX, NFCU, Disco, Nordys VISA
5. Prune Accts, about 3-4 that don't need or use
6. Grow at least two ranks in MyFico Forum
7. Grow FICO scores to 760 by Dec 2020
8. Condition to Capture Goal cards CSP and Citi Costco (2021)