Credit Advise

[Albert_E63]

Good Evening Guys,

I need someone advise as im trying to hit the 100k in CC Goal this year and im currently at 66k so im 34k away, want some advise from some of you guys on how to achieve it.

EX:669

EQ:728

TU:664

Current cards,

AMex 6k

Discover 2.5k

CAP1 2.2k

Regions 4.5k

Chase SP 17k

Mayors 13k

Bjs 12.5K

Citi DC 8.5K

[Anonymous]

Unless your regular CC spend is high, I’d suggesting sticking - at least mostly - with your current cards and try to obtain some CLIs in an attempt to hit your goal. AMEX and Discover will probably show the most movement.

If you need/want a new card, I’d suggest another AMEX card if they offer a card that’s beneficial to you. You might get a good SL from them for a second card.

[M_Smart007]

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@Albert_E63 wrote:

Good Evening Guys,

I need someone advise as im trying to hit the 100k in CC Goal this year and im currently at 66k so im 34k away, want some advise from some of you guys on how to achieve it.

EX:669

EQ:728

TU:664

Current cards,

AMex 6k

Discover 2.5k

CAP1 2.2k

Regions 4.5k

Chase SP 17k

Mayors 13k

Bjs 12.5K

Citi DC 8.5K

---

Personally I would work on your EX & TU scores.

[Anonymous]

You can keep applying for cards if you're that desperate. It'll add up to 100k eventually

[JNA1]

Have you tried the 3X CLI on your AMEX? If it’s 61 days old you can request 3X your CL and may have a good shot at getting it.

[Albert_E63]

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@Anonymous wrote:
Unless your regular CC spend is high, I’d suggesting sticking - at least mostly - with your current cards and try to obtain some CLIs in an attempt to hit your goal. AMEX and Discover will probably show the most movement.

If you need/want a new card, I’d suggest another AMEX card if they offer a card that’s beneficial to you. You might get a good SL from them for a second card.

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I spend around 4-5k on my CC monthly and and paid in full before the month ends, Yeah i was thinking about a new card with Amex.

[longtimelurker]

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@Albert_E63 wrote:

Good Evening Guys,

I need someone advise as im trying to hit the 100k in CC Goal this year and im currently at 66k so im 34k away, want some advise from some of you guys on how to achieve it.

EX:669

EQ:728

TU:664

Current cards,

AMex 6k

Discover 2.5k

CAP1 2.2k

Regions 4.5k

Chase SP 17k

Mayors 13k

Bjs 12.5K

Citi DC 8.5K

---

Each to their own etc, but also consider if that is the right goal.   Others have suggested getting CLIs on existing cards to meet the goal, my question is whether that really adds anything tangible (apart from perhaps score).   I would look for a card that gives rewards in a "gap" area for your spend, on even if it ends up much less than the needed 30+K, you would still gain some value.

[Albert_E63]

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@M_Smart007 wrote:

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@Albert_E63 wrote:

Good Evening Guys,

I need someone advise as im trying to hit the 100k in CC Goal this year and im currently at 66k so im 34k away, want some advise from some of you guys on how to achieve it.

EX:669

EQ:728

TU:664

Current cards,

AMex 6k

Discover 2.5k

CAP1 2.2k

Regions 4.5k

Chase SP 17k

Mayors 13k

Bjs 12.5K

Citi DC 8.5K

---

Personally I would work on your EX & TU scores.

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Yeah i know :/ its 1 medical collection showing up in error so i gotta dispute it with the CA.

[thornback]

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@Albert_E63 wrote:

EX:669

EQ:728

TU:664

Current cards,

AMex 6k

Discover 2.5k

CAP1 2.2k

Regions 4.5k

Chase SP 17k

Mayors 13k

Bjs 12.5K

Citi DC 8.5K

---

Hi Albert - 

Q: How old are these accounts?  History/length of history with the lender has some affect on CLI approvals so just curious about the age of these accounts.    

Also -  what's going on with EX & TU?  Any particular reason why those scores are so much lower than EQ?  

EDIT:  Just saw your post about the EX & TU medical collection.  You should take care of that first to maximize your CLI potential.   Will all 3 reports be squeaky clean once that medical collection is removed? 

[Albert_E63]

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@JNA1 wrote:
Have you tried the 3X CLI on your AMEX? If it’s 61 days old you can request 3X your CL and may have a good shot at getting it.

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i need 30 more days, Ive had it for around a year and half now.