No harm in thinking ahead to my next mini app spree after refi around June. By then I expect the following: 1. I'll be 15 months past my last late, 2. I'll have a CC with over 5k limit (AMEX Delta/Walmart and maybe NFCU); and 3. I'll have scores around 680 EQ, 710 TU, 700+ EX.
These are my cards I'm targeting in my next phase of rebuild. Let me know if yall see any glaring problems or omissions on my part.
1. Chase Sapphire (maybe Slate if I'm not progressed enough for this one)
2. AMEX BCE or SPG (not sure on this one)
3. Citi Forward
4. Some kind of Discover card (suggestions?)
5. Barclay card? (not a need so will probably get the axe)
Cards I currently have:
1. Cap1 Secured 1.4k limit (will deposit enough to have 2k limit)
2. WF Secured 700 limit (will deposit enough to have 2k limit)
3. AMEX Zync NPSL
4. AMEX Delta 2k limit (will go for 3x CLI in late Nov)
5. Walmart Discover 1.8k limit (expected CLI via soft pull in late Jan 2013)
6. Chase Amazon 2k limit
7. Chase Freedom 1.5k limit
(8) I'll be eligible for NFCU next week. I'll either have card in early Oct. or will app for it after refi.
EDIT: THIS WAS MY 1000TH POST !!!
Sounds Good brother,
My wish list includes Chase Freedom, USAA World, Discover More,and SDFCU Visa in that order. Once all my inquiries fall off its on!
Seems like discover is offering some deals around here (new england)
the only thing im really wishing is for an amex revolover.
other then that im happy with my freedom and store cards(that are sock drawered)
only card that i have that has an af is the zync thats waived for the first year.
might get a discover it, but that wont be at least until 2014
@Duncanrr wrote:No harm in thinking ahead to my next mini app spree after refi around June. By then I expect the following: 1. I'll be 15 months past my last late, 2. I'll have a CC with over 5k limit (AMEX Delta/Walmart and maybe NFCU); and 3. I'll have scores around 680 EQ, 710 TU, 700+ EX.
These are my cards I'm targeting in my next phase of rebuild. Let me know if yall see any glaring problems or omissions on my part.
1. Chase Sapphire (maybe Slate if I'm not progressed enough for this one)
2. AMEX BCE or SPG (not sure on this one)
3. Citi Forward
4. Some kind of Discover card (suggestions?)
5. Barclay card? (not a need so will probably get the axe)
Cards I currently have:
1. Cap1 Secured 1.4k limit (will deposit enough to have 2k limit)
2. WF Secured 700 limit (will deposit enough to have 2k limit)
3. AMEX Zync NPSL
4. AMEX Delta 2k limit (will go for 3x CLI in late Nov)
5. Walmart Discover 1.8k limit (expected CLI via soft pull in late Jan 2013)
6. Chase Amazon 2k limit
7. Chase Freedom 1.5k limit
(8) I'll be eligible for NFCU next week. I'll either have card in early Oct. or will app for it after refi.
EDIT: THIS WAS MY 1000TH POST !!!
Is you go for the Chase Sapphire Preferred your going to want a CL of over $5,000 on a diffrent card before you apply. They like to see you've dealt with larger cards before because they're minimum CL is $5,000
Transunion - 820 (9/8/21)
Amex should be over 5k and Walmart should also. If I pull trigger on NFCU that should also be over 5k.
Once I get these cards I'm closing cap1 and will move those funds over to WF. I have savings there and they are more likely to unsecure card. Funds will stay there in savings.
Once I get these cards I'm closing cap1 and will move those funds over to WF. I have savings there and they are more likely to unsecure card. Funds will stay there in savings.