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Are you complete?

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TiggerDat
Valued Contributor

Are you complete?

Have you gotten to the point where you simply don't want any more cards or have reached your desired card?

 

I recently got the FNBO Amex and the Delta Gold Amex.  I have spent the last few days looking at cards and trying to decide if there is any other card I want.  

 

I can't even think of one.  I know I can't get Signature cards yet and don't see the benefit to most of them anyway.  I figure the only card I could remotely want is one from my bank for overdraft protection, just in case, but don't even really see the point in it either.

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Message 1 of 38
37 REPLIES 37
thom02099
Valued Contributor

Re: Are you complete?


@bernhardtra wrote:

Have you gotten to the point where you simply don't want any more cards or have reached your desired card?

 

I recently got the FNBO Amex and the Delta Gold Amex.  I have spent the last few days looking at cards and trying to decide if there is any other card I want.  

 

I can't even think of one.  I know I can't get Signature cards yet and don't see the benefit to most of them anyway.  I figure the only card I could remotely want is one from my bank for overdraft protection, just in case, but don't even really see the point in it either.


Short answer?  Yes!  I have all the cards I could ever need or want.  Well, if a Palladium or Centurion offer came along, I'd not have to think twice...but that won't happen! Smiley Wink

Message 2 of 38
SSA_2013
Frequent Contributor

Re: Are you complete?


@bernhardtra wrote:

Have you gotten to the point where you simply don't want any more cards or have reached your desired card?

 

I recently got the FNBO Amex and the Delta Gold Amex.  I have spent the last few days looking at cards and trying to decide if there is any other card I want.  

 

I can't even think of one.  I know I can't get Signature cards yet and don't see the benefit to most of them anyway.  I figure the only card I could remotely want is one from my bank for overdraft protection, just in case, but don't even really see the point in it either.


I feel the same way. I have looked at my accounts and I don't have any real interest in any other cards right now. At some point I may get an Amex but don't see the benefits of it right now. I can't use Amex everywhere I go...so the rewards wouldn't accumulate as fast. I have my card linked to my checking for overdraft protection and have 8 cards. Given my age...I think I've done a decent job establishing credit and already feel complete.  

Message 3 of 38
Anonymous
Not applicable

Re: Are you complete?

No I would like a Amex BCE and and Chase Freedom and I will be complete.

Message 4 of 38
somnipotent
Frequent Contributor

Re: Are you complete?

AMEX BCP and Cap One Venture is all that's desired for me.  Technically I really don't need those, I have all the ones I've wanted for a while now.  Those would be nice, but not a must by any means.


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 5 of 38
justforting
Regular Contributor

Re: Are you complete?

I want at least Freedom and CSP, maybe also one no preset limit card.

Last App: 09/17/2013 // No App Until: Mortgage (05/14?)

Cards in my wallet: AMEX BCE ($8000) // CITI AA VISA SIG ($5000) // CHASE FREEDOM ($3500) // DISCOVER IT ($1000) // CAP ONE NC ($1000) // WALMART DISCOVER ($1600)
Credit Scores: FICO TU08 (10/13): 739 // Credit Karma (10/13): 677??!! // Credit Sesame (10/13): 730
Next Goal: CSP (after mortgage probably...)
Message 6 of 38
dddewdrop
Valued Contributor

Re: Are you complete?

    My goal is to get a Citi card and an Amex eventually and then I will be complete. My goal since starting rebuilding has been to get to the point where I have 6 healthy aging tradelines..... 

Message 7 of 38
jamesdwi
Valued Contributor

Re: Are you complete?

I'm thinking about a Citi Hilton card, since I'm  basicly in hiltons 5 days a week till the end of the year and would love another 40,000 pts. Also a Visa Signature card would be nice, which getting the Citi card may meet that requirement as well. I think I have have enough credit allready and with 3 cards now over 5k, don't feel the need for CSP but may get it anyway no AF first year and $400 in cash. Deffinetly won't keep it after the first year (would downgrade it to the no AF version) unless I travel a lot more.  I have been loving all the SP CLI's because I have had only 1 HP in the last 6 months creditors really love me for that.

 

Discover IT invites are in my mailbox every week, nice rewards and fairly low APR's would be nice to have, but still debating not sure I about stopping all the SP CLI's from other lenders for it. But would like to see what starting limit they would give me.

 

AMEX PRG sounds good in January just for backdating goodness, really don't need another charge card but rewards are good and 3 years backdating can't hurt.

 

 

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 8 of 38
dddewdrop
Valued Contributor

Re: Are you complete?


@jamesdwi wrote:

I'm thinking about a Citi Hilton card, since I'm  basicly in hiltons 5 days a week till the end of the year and would love another 40,000 pts. Also a Visa Signature card would be nice, which getting the Citi card may meet that requirement as well. I think I have have enough credit allready and with 3 cards now over 5k, don't feel the need for CSP but may get it anyway no AF first year and $400 in cash. Deffinetly won't keep it after the first year (would downgrade it to the no AF version) unless I travel a lot more.  I have been loving all the SP CLI's because I have had only 1 HP in the last 6 months creditors really love me for that.

 

Discover IT invites are in my mailbox every week, nice rewards and fairly low APR's would be nice to have, but still debating not sure I about stopping all the SP CLI's from other lenders for it. But would like to see what starting limit they would give me.

 

AMEX PRG sounds good in January just for backdating goodness, really don't   need another charge card but rewards are good and 3 years backdating can't hurt.

 

 

 

 


       Sounds like a plan.

Message 9 of 38
youngandcreditwrthy
Senior Contributor

Re: Are you complete?

I'm prett complete. I want Amex Platinum for the next better paying job I get. And I also may need to refi some cc debt in six months or so. Might app for Penfed or PNC. :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 10 of 38
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