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6 Month journey

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AvaMommy
Frequent Contributor

6 Month journey

I am looking at what cards to get in the next 4-5 months. I know I am hasty but I ratehr be prepared for my app spree then asking this question then. I am looing at Chase and Discover, possibly Citi. My scores are in my sig and what cards I currently have....

 

Thanks any feedback is appreciated!

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 1 of 7
6 REPLIES 6
nicholasyud
Valued Contributor

Re: 6 Month journey

You mind to share your card apps time after the orchard bank ???? Wat did you get first and when you get  it  ???? Did they offer you high limit at first ??

Starting Score: 560
Current Score: ?
Goal Score: 800
Message 2 of 7
AvaMommy
Frequent Contributor

Re: 6 Month journey


@nicholasyud wrote:

You mind to share your card apps time after the orchard bank ???? Wat did you get first and when you get  it  ???? Did they offer you high limit at first ??


Nich Orchard ($320) and Saks ($100 I work their parttime for the discount) was Nov/Dec of 2011.

I app'd for the 2 BoA  and NFCU cashRewards last month and they started me out with the limits you see in the siggy

Hope that answers all...thank for any guidance you can offer for the future

 

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 3 of 7
somnipotent
Frequent Contributor

Re: 6 Month journey

Try for Chase Freedom and garden that sucker until your scores hit 700ish and go for the SP


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 4 of 7
AvaMommy
Frequent Contributor

Re: 6 Month journey


@Omaplatypus wrote:

Try for Chase Freedom and garden that sucker until your scores hit 700ish and go for the SP


Ok...Thanks! Should I PC or app for the CSP. My mortgage is currently with Chase if that makes a different and make over 100K

Does it come in either mastercard or visa (If 1 is "easier" per se)

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Message 5 of 7
nicholasyud
Valued Contributor

Re: 6 Month journey

They both giving you a very nice limit there....

Starting Score: 560
Current Score: ?
Goal Score: 800
Message 6 of 7
Revelate
Moderator Emeritus

Re: 6 Month journey


@AvaMommy wrote:

@Omaplatypus wrote:

Try for Chase Freedom and garden that sucker until your scores hit 700ish and go for the SP


Ok...Thanks! Should I PC or app for the CSP. My mortgage is currently with Chase if that makes a different and make over 100K

Does it come in either mastercard or visa (If 1 is "easier" per se)


Ava: I think the financial industry may well be different in six months.  I think your idea on timing is solid, but hold off on making any fixed plans with regards to what card as not only lendering underwriting will likely be different, but your scores may be non-trivially different too from what you have posted.




        
Message 7 of 7
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