Enough Credit Cards

CreditHealthy · ‎12-14-2014

Good morning, I think I can honestly say, I have enough credit cards. I never in my wildest dreams even thought I could ever come this far with being able to obtain this much credit. Thank You forum family!! So....TO THE GARDEN I GO, PROBABLY INDEFINATLY....I wonder what my scores will look like in about five years or so with these very same cards? Wish me luck

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013

Anonymous · ‎12-14-2014

I could never commit to such a thing. New cards with exciting benefits come out yearly.

Anonymous · ‎12-14-2014

@Anonymous wrote:
I could never commit to such a thing. New cards with exciting benefits come out yearly.

yupp, every year that i think i'll be good, some new card comes out, like the citi double cash which triggered my app spree..

Anonymous · ‎12-14-2014

I normally close the ones which doesnt have long standing history then open new!

coldnmn · ‎12-14-2014

Congrats on your success! Indefinitely is that the new name for tomorrow! Just kidding Great Job!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

Anonymous · ‎12-14-2014

@Anonymous wrote:
I could never commit to such a thing. New cards with exciting benefits come out yearly.

I was out of this game for a long time, never needed credit cards so I didn't get them. Although I still don't need them, they are necessary to mainting/building a solid credit file so I decided to get a few. Now I have a wallet that weighs about 12 pounds. It is a fun game and as long at there are wonderful minimum spend bonuses out there, I will be getting new credit cards and killing my AAoA at least until I commit to getting in the 800 club. Then I will try visiting this garden place, sounds terribly boring there. Good luck OP, I'm sure your scores will be amazing after you garden.

Anonymous · ‎12-14-2014

Lol....yeah. Thats a pretty articulate way to put it.

NRB525 · ‎12-14-2014

@coldnmn wrote:
Congrats on your success! Indefinitely is that the new name for tomorrow! Just kidding Great Job!

"I'm gardening....

oohhh! Shiny!"

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎12-14-2014

@NRB525 wrote:

"I'm gardening....
oohhh! Shiny!"

So guilty of this!

But for real, gardening until I can wipe out some debts and get those scores above 700 across the board.

Those sign up bonus are so evil, lol.

CreditHealthy · ‎12-14-2014

LOL! You guys are too funny, Thanks all!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013