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On this path I was able to obtain: BofA PP $3K/ 8-2012, BofA 1-2-3 $5K/ 9-2012 and NFCU cashRewards $12K/ 9-2012...along side my merely simple Orchard Bank $320.
Havent check since the BofA $5K is showing on my USAA CMS FICO EQ 637, FICO TU 633, FICO EX ??? (just joined PSECU so dont have this as of yet)
UTI is like 7% and quiet a few inqs
I have 1 CO and 1 CA UNPAID (under dispute not mine), 2 paid CA. Last time anything neg was on my credit was 1.5 yrs ago. AAoA is 7 yrs
Should I app for 1 last card before letting my new tulips grow or just let these cards grow?
I vote to get in the garden. You can get by just fine with those 3 cards.
Time to garden, in 6 months you should be all set for any card you want, Chase CSP, AMEX revolver, perhaps even usbank cash+.
@AvaMommy wrote:On this path I was able to obtain: BofA PP $3K/ 8-2012, BofA 1-2-3 $5K/ 9-2012 and NFCU cashRewards $12K/ 9-2012...along side my merely simple Orchard Bank $320.
Havent check since the BofA $5K is showing on my USAA CMS FICO EQ 637, FICO TU 633, FICO EX ??? (just joined PSECU so dont have this as of yet)
UTI is like 7% and quiet a few inqs
I have 1 CO and 1 CA UNPAID (under dispute not mine), 2 paid CA. Last time anything neg was on my credit was 1.5 yrs ago. AAoA is 7 yrs
Should I app for 1 last card before letting my new tulips grow or just let these cards grow?
These posts are becoming a growing trend in the MyFico community. CC's should be part of your overall financial plan. Trying to get the highest limit and vying for all sorts of credit lines can do harm instead of good. CC's are a great tool, however, they can become a tragic consequence, if used not as intended. Take your time, grow your current lines and enjoy the journey, that is what this forum is all about - Good support and good people who are on the same journey of 'financial independence' - that is key.
When in doubt, always garden! You have nothing to lose by doing so, and everything to gain. Let the new cards age a little, and hopefully your score will go up and you will be in a better position to get whatever other card you may want.
@jumpinjax wrote:
@AvaMommy wrote:On this path I was able to obtain: BofA PP $3K/ 8-2012, BofA 1-2-3 $5K/ 9-2012 and NFCU cashRewards $12K/ 9-2012...along side my merely simple Orchard Bank $320.
Havent check since the BofA $5K is showing on my USAA CMS FICO EQ 637, FICO TU 633, FICO EX ??? (just joined PSECU so dont have this as of yet)
UTI is like 7% and quiet a few inqs
I have 1 CO and 1 CA UNPAID (under dispute not mine), 2 paid CA. Last time anything neg was on my credit was 1.5 yrs ago. AAoA is 7 yrs
Should I app for 1 last card before letting my new tulips grow or just let these cards grow?
These posts are becoming a growing trend in the MyFico community. CC's should be part of your overall financial plan. Trying to get the highest limit and vying for all sorts of credit lines can do harm instead of good. CC's are a great tool, however, they can become a tragic consequence, if used not as intended. Take your time, grow your current lines and enjoy the journey, that is what this forum is all about - Good support and good people who are on the same journey of 'financial independence' - that is key.
Thank you thats why I asked for advice. I never used credit fivioulously. I was deployed hence the reason why accts went into collection. I wouldnt say its a tend for me since I threw the question out there of what is next. Never had a BK or any of those tragic consequences whether the individual fell on hard times or was careless. I purchased my own home without credit, the cars I have and maintained a sucessful career without credit.
If we dont ask then what good is this MyFICO community? Thank you for the advice once again...
@AvaMommy wrote:
@jumpinjax wrote:
@AvaMommy wrote:On this path I was able to obtain: BofA PP $3K/ 8-2012, BofA 1-2-3 $5K/ 9-2012 and NFCU cashRewards $12K/ 9-2012...along side my merely simple Orchard Bank $320.
Havent check since the BofA $5K is showing on my USAA CMS FICO EQ 637, FICO TU 633, FICO EX ??? (just joined PSECU so dont have this as of yet)
UTI is like 7% and quiet a few inqs
I have 1 CO and 1 CA UNPAID (under dispute not mine), 2 paid CA. Last time anything neg was on my credit was 1.5 yrs ago. AAoA is 7 yrs
Should I app for 1 last card before letting my new tulips grow or just let these cards grow?
These posts are becoming a growing trend in the MyFico community. CC's should be part of your overall financial plan. Trying to get the highest limit and vying for all sorts of credit lines can do harm instead of good. CC's are a great tool, however, they can become a tragic consequence, if used not as intended. Take your time, grow your current lines and enjoy the journey, that is what this forum is all about - Good support and good people who are on the same journey of 'financial independence' - that is key.
Thank you thats why I asked for advice. I never used credit fivioulously. I was deployed hence the reason why accts went into collection. I wouldnt say its a tend for me since I threw the question out there of what is next. Never had a BK or any of those tragic consequences whether the individual fell on hard times or was careless. I purchased my own home without credit, the cars I have and maintained a sucessful career without credit.
If we dont ask then what good is this MyFICO community? Thank you for the advice once again...
Thank you for your service. I only wish issuers were a little more considerate for people who serve. This country took eons to understand the importance of our service people. Hopefully the future is brighter as I wish you much success on your journey.
@jumpinjax wrote:
@AvaMommy wrote:
@jumpinjax wrote:
@AvaMommy wrote:On this path I was able to obtain: BofA PP $3K/ 8-2012, BofA 1-2-3 $5K/ 9-2012 and NFCU cashRewards $12K/ 9-2012...along side my merely simple Orchard Bank $320.
Havent check since the BofA $5K is showing on my USAA CMS FICO EQ 637, FICO TU 633, FICO EX ??? (just joined PSECU so dont have this as of yet)
UTI is like 7% and quiet a few inqs
I have 1 CO and 1 CA UNPAID (under dispute not mine), 2 paid CA. Last time anything neg was on my credit was 1.5 yrs ago. AAoA is 7 yrs
Should I app for 1 last card before letting my new tulips grow or just let these cards grow?
These posts are becoming a growing trend in the MyFico community. CC's should be part of your overall financial plan. Trying to get the highest limit and vying for all sorts of credit lines can do harm instead of good. CC's are a great tool, however, they can become a tragic consequence, if used not as intended. Take your time, grow your current lines and enjoy the journey, that is what this forum is all about - Good support and good people who are on the same journey of 'financial independence' - that is key.
Thank you thats why I asked for advice. I never used credit frivolously. I was deployed hence the reason why accts went into collection. I wouldnt say its a trend for me since I threw the question out there of what is next. Never had a BK or any of those tragic consequences whether the individual fell on hard times or was careless. I purchased my own home without credit, the cars I have and maintained a successful career without credit.
If we dont ask then what good is this MyFICO community? Thank you for the advice once again...
Thank you for your service. I only wish issuers were a little more considerate for people who serve. This country took eons to understand the importance of our service people. Hopefully the future is brighter as I wish you much success on your journey.
Thank you for acknowledging each service member and my service to our country. I wish too but it takes US the service members to know what benefits we have...ask questions (SCRA) to help us through deployments