Re: Finally, my stable is full! (mostly)

Duncanrr · ‎01-07-2013

It only took 6 months but my stable of cards is basically full (two notable exceptions - CSP and SPG but those should be acquired this year). I have reward cards for most of my spending categories and some nice to outstanding CL. I know this is bragging but I'm happy with my progress.

NFCU flagship visa siggy - 25k

BCP - 8.4k

Amex Delta - 6k

Amex Zync - NPSL (highest bill 8.3k)

Discover It - 6k

Walmart Discover - 5.4k (SD)

Chase Amazon - 2k

Chase freedom - 1.5k

these two are on chopping block:

Cap1 secure WellsFargo secure

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

daveg38 · ‎01-07-2013

What was your situation (score, etc) when you got your BCP?

Ch7 Discharge: 5/14/2016 | Target RedCard $900 | Merrick DYL $500

Anonymous · ‎01-07-2013

@Duncanrr wrote:
It only took 6 months but my stable of cards is basically full (two notable exceptions - CSP and SPG but those should be acquired this year). I have reward cards for most of my spending categories and some nice to outstanding CL. I know this is bragging but I'm happy with my progress.

NFCU flagship visa siggy - 25k
BCP - 8.4k
Amex Delta - 6k
Amex Zync - NPSL (highest bill 8.3k)
Discover It - 6k
Walmart Discover - 5.4k (SD)
Chase Amazon - 2k
Chase freedom - 1.5k

these two are on chopping block:
Cap1 secure WellsFargo secure

Looks good. One gap is a 2% card (not to encourage app'ing!) and maybe a Penfed card for gas if you buy a lot of that.

Duncanrr · ‎01-07-2013

I just got BCP on 1/2/13. My EX in sig was what they used. (724). The approval wasn't instant but had to call in. I didn't need to recon anything they just expedited the card to me. I got back in Amex family on 9/10/12 with instant approval on zync and ended yp being triple pull with Delta. On black Friday I was instant approved foot 3x CLI on delta from 2k to 6k. My internal score with Amex is high as I charged around 20k on sync and PIF. And ran about 5k through delta in same period and PIF. My credit report has a version paid co from 2009 for $109, 99x day late on SL from 5 years ago and messed up cap1 auto account with last late in march 2012.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

Duncanrr · ‎01-07-2013

@Anonymous wrote:
@Duncanrr wrote:
It only took 6 months but my stable of cards is basically full (two notable exceptions - CSP and SPG but those should be acquired this year). I have reward cards for most of my spending categories and some nice to outstanding CL. I know this is bragging but I'm happy with my progress.

NFCU flagship visa siggy - 25k
BCP - 8.4k
Amex Delta - 6k
Amex Zync - NPSL (highest bill 8.3k)
Discover It - 6k
Walmart Discover - 5.4k (SD)
Chase Amazon - 2k
Chase freedom - 1.5k

these two are on chopping block:
Cap1 secure WellsFargo secure
Looks good. One gap is a 2% card (not to encourage app'ing!) and maybe a Penfed card for gas if you buy a lot of that.

I get 3% on gas with BCP. The gaps I have to fill are hotels and dining. I'll take care of those later with CSP and SPG and maybe Citi Forward.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

Anonymous · ‎01-07-2013

OK, Penfed is 5%, but not huge unless you buy a lot of gas. The 2% cards are just to cover "everything not already covered". Most cards such as BCP give 1% at least so unless you have a lot of such stuff, not a pressing priority. That said, turns out I use my Fidelity Amex much more than I expected.

mikka1 · ‎01-07-2013

@Duncanrr wrote:
I get 3% on gas with BCP. The gaps I have to fill are hotels and dining. I'll take care of those later with CSP and SPG and maybe Citi Forward.

Congrats! I think dining can be easily covered by Discover (at least for this quarter) and/or by Chase Amazon. Hotels might also fall into one of bonus categories of either DS or Freedom for one of the quarters, so your profile can really be considered more or less complete.

In my wallet now: ~~Amex PRG NPSL~~, Amex BCE ~~$15k~~ $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752~~Sep 2013 - 764 - new all time maximum~~
Obsolete data aboveCurrent TU - probably around ~810, only using a few Chase & BofA cards now, not applying for much until we buy a house

jsickz32 · ‎01-07-2013

Congrats! We are after the same cards (CSP,SPG) im thinking of apping on june for both. Race? Lol

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

Duncanrr · ‎01-07-2013

I'm planning on june as well. I'm confident ill get SPG. My worry is CSP. My limits with them are really low. I'm hoping they give me a 15k ICL so I can move a couple of that to my other chase cards.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

TiggerDat · ‎01-07-2013

I might not have the best limits yet, but I think my stable is full! I just got 4 cards this weekend! Compass Bank was the most generous with $8,000. I am going to let that be the signal to the other companies later. I added Discover IT, PayPaly Rewards MC, and a Chase Freedom. I know I am nowhere near the best Prime rewards cards at this point so I will not apply for another card for at least the next year. I will simply garden away! I will let them all grow! When I get the Chase and Discover card to good limits, I will start to hack away at the weeds and by weeds I mean Merrick and Capone. While I don't really think of Merrick as a weed, the AF card has to go and I want my security funds back! (If they decide to do PC's anytime soon, then I will keep the card since it is over 6 years old!)

I don't want an Amex now, but who knows what the future will hold. I also know I am at least a year away from qualifying for it!

Grow babies grow!

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.

Finally, my stable is full! (mostly)

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Finally, my stable is full! (mostly)