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Frustration

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afbar1114
Valued Contributor

Re: Frustration

it looks like i am no longer itching for anything for now.....i am going to let what i have grow and pay down utl to below 10% by 4/13. i will also use and care for my zync chase and boa as i may get better cards and limits with them down the road. at one year mark for chase i will pc to freedom and maybe ask for a CLI at same time or just wait a full year for CLI. i plan on in 4/13 asking for CLI on BoA and Chase. Apping for either BCE/BCP or CSP. at that time if i get either i will be able to close other cards like cap1 and a few store cards. now that i have my own goal in mind i can work towards it. i may not come around as often but im not leaving. 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 51 of 54
Anonymous
Not applicable

Re: Frustration

The best way to stop thinking about apping, is to stop talking about apping, specially when it's a "year" away.

If you want to make your long-term goals work, you need to work on your short-term ones first.

Message 52 of 54
AndySoCal
Senior Contributor

Re: Frustration

Afbar,

 

You may want to ask Capital One if you can participate the the credit steps program.  Withthe auto CLi's  you have a credit card with a larger limit than anything else you have know.. Something to think about.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal
Message 53 of 54
afbar1114
Valued Contributor

Re: Frustration


@AndySoCal wrote:

Afbar,

 

You may want to ask Capital One if you can participate the the credit steps program.  Withthe auto CLi's  you have a credit card with a larger limit than anything else you have know.. Something to think about.


i am already in credit steps. 

 

i just need to buckle down and realize everything doesnt happen over night. BoA gave my my largest limit yet so they will be with me for the long haul. chase gave me a chance they may stay with my when i PC to freedom and maybe get a larger CL. AMEX is for life. that being said idk any more lol....i just need to see what my credit needs are in a year. can one do this slate>freedom>CSP at some point. but if i can get a freedom siggy at some point along the line i wouldnt need CSP then. i just need to see whhat i need in a year and wait

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 54 of 54
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