Game Plan From Here?

xXIDaShizIXx · ‎07-05-2015

Hey guys, my portfolio has steadily been growing because of all of your help. I have a $2,000 BoA Cash Rewards Card, $2,500 Barclaycards Rewards, $4,500 Car Care One, and $4,500 Ashley Furniture Card. With that being said, I have a 2 yr 2 month AAoA. What should I do from here to grow my portfolio? Continue to Garden and then work on increasing the limits on my cards or applying for other cards? I haven't received my 6-7 month CLI from barclays (only had it for four months) and I do want to increase my BoA card at some point. Should I request the BoA increase before the 6 to 7 month mark with Barclaycard? The only other card I need (that would be extremely useful) would be an airline card. Other than that the cards I have work fine for now (other than their limits) . Any specific order I should do things in? Thanks guys.

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;

Anonymous · ‎07-05-2015

What are your scores and is there any specific airline card you have in mind? Any baddies on your report?

xXIDaShizIXx · ‎07-05-2015

@Anonymous wrote:
What are your scores and is there any specific airline card you have in mind? Any baddies on your report?

Any where from 722 to 728. No baddies whatsoever. I have looked at Citi and Barclays card for American Airlines, but really I don't care about the airline, nor my location in the plane. The cheapest works for me. So the AMEX, Discover, and Cap One cards work for me as well. I have about 7-8 inquiries on each bureau, mostly from when I started my credit journey and couldn't get approved initially for a thin file.

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;

Anonymous · ‎07-05-2015

@xXIDaShizIXx wrote:
@Anonymous wrote:
What are your scores and is there any specific airline card you have in mind? Any baddies on your report?
Any where from 722 to 728. No baddies whatsoever. I have looked at Citi and Barclays card for American Airlines, but really I don't care about the airline, nor my location in the plane. The cheapest works for me. So the AMEX, Discover, and Cap One cards work for me as well. I have about 7-8 inquiries on each bureau, mostly from when I started my credit journey and couldn't get approved initially for a thin file.

Amex has a 50k MR points for the PRG. Are you opposed to paying an annual fee? Because the CSP is a good travel card also..

xXIDaShizIXx · ‎07-05-2015

@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:
What are your scores and is there any specific airline card you have in mind? Any baddies on your report?
CLI
Any where from 722 to 728. No baddies whatsoever. I have looked at Citi and Barclays card for American Airlines, but really I don't care about the airline, nor my location in the plane. The cheapest works for me. So the AMEX, Discover, and Cap One cards work for me as well. I have about 7-8 inquiries on each bureau, mostly from when I started my credit journey and couldn't get approved initially for a thin file.
Amex has a 50k MR points for the PRG. Are you opposed to paying an annual fee? Because the CSP is a good travel card also..

I would rather not, as my other cards don't have one, but if I have to I can. Just looking for the best rewards. And should I request a CLI on my BoA card as well?

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;

Anonymous · ‎07-05-2015

@xXIDaShizIXx wrote:
@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:
What are your scores and is there any specific airline card you have in mind? Any baddies on your report?
CLI
Any where from 722 to 728. No baddies whatsoever. I have looked at Citi and Barclays card for American Airlines, but really I don't care about the airline, nor my location in the plane. The cheapest works for me. So the AMEX, Discover, and Cap One cards work for me as well. I have about 7-8 inquiries on each bureau, mostly from when I started my credit journey and couldn't get approved initially for a thin file.
Amex has a 50k MR points for the PRG. Are you opposed to paying an annual fee? Because the CSP is a good travel card also..
I would rather not, as my other cards don't have one, but if I have to I can. Just looking for the best rewards. And should I request a CLI on my BoA card as well?

Ok.. Most travel cards come with an annual fee.. If you can spare a hardpull then definately request one.. Here is a list of travel cards to help you decide..

http://millionmilesecrets.com/credit-cards/airline-credit-cards/

xXIDaShizIXx · ‎07-05-2015

@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:
What are your scores and is there any specific airline card you have in mind? Any baddies on your report?
CLI
Any where from 722 to 728. No baddies whatsoever. I have looked at Citi and Barclays card for American Airlines, but really I don't care about the airline, nor my location in the plane. The cheapest works for me. So the AMEX, Discover, and Cap One cards work for me as well. I have about 7-8 inquiries on each bureau, mostly from when I started my credit journey and couldn't get approved initially for a thin file.
Amex has a 50k MR points for the PRG. Are you opposed to paying an annual fee? Because the CSP is a good travel card also..
I would rather not, as my other cards don't have one, but if I have to I can. Just looking for the best rewards. And should I request a CLI on my BoA card as well?
Ok.. Most travel cards come with an annual fee.. If you can spare a hardpull then definately request one.. Here is a list of travel cards to help you decide..

http://millionmilesecrets.com/credit-cards/airline-credit-cards/

Would the Capital One Venture or Discover Miles be good for me?

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;

Anonymous · ‎07-05-2015

@xXIDaShizIXx wrote:
@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:
What are your scores and is there any specific airline card you have in mind? Any baddies on your report?
CLI
Any where from 722 to 728. No baddies whatsoever. I have looked at Citi and Barclays card for American Airlines, but really I don't care about the airline, nor my location in the plane. The cheapest works for me. So the AMEX, Discover, and Cap One cards work for me as well. I have about 7-8 inquiries on each bureau, mostly from when I started my credit journey and couldn't get approved initially for a thin file.
Amex has a 50k MR points for the PRG. Are you opposed to paying an annual fee? Because the CSP is a good travel card also..
I would rather not, as my other cards don't have one, but if I have to I can. Just looking for the best rewards. And should I request a CLI on my BoA card as well?
Ok.. Most travel cards come with an annual fee.. If you can spare a hardpull then definately request one.. Here is a list of travel cards to help you decide..

http://millionmilesecrets.com/credit-cards/airline-credit-cards/
Would the Capital One Venture or Discover Miles be good for me?

Those are also good cards also. The Venture has an annual fee and if you don't mind the tripple pull then a good card to have with high limits. The Discover miles is also a really good one.

xXIDaShizIXx · ‎07-05-2015

@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:
@xXIDaShizIXx wrote:
@Anonymous wrote:
What are your scores and is there any specific airline card you have in mind? Any baddies on your report?
CLI
Any where from 722 to 728. No baddies whatsoever. I have looked at Citi and Barclays card for American Airlines, but really I don't care about the airline, nor my location in the plane. The cheapest works for me. So the AMEX, Discover, and Cap One cards work for me as well. I have about 7-8 inquiries on each bureau, mostly from when I started my credit journey and couldn't get approved initially for a thin file.
Amex has a 50k MR points for the PRG. Are you opposed to paying an annual fee? Because the CSP is a good travel card also..
I would rather not, as my other cards don't have one, but if I have to I can. Just looking for the best rewards. And should I request a CLI on my BoA card as well?
Ok.. Most travel cards come with an annual fee.. If you can spare a hardpull then definately request one.. Here is a list of travel cards to help you decide..

http://millionmilesecrets.com/credit-cards/airline-credit-cards/
Would the Capital One Venture or Discover Miles be good for me?
Those are also good cards also. The Venture has an annual fee and if you don't mind the tripple pull then a good card to have with high limits. The Discover miles is also a really good one.

Lastly, which would be preferred? In regards to approval chances for me and higher limits? Thank you so much for your help!

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;

Anonymous · ‎07-05-2015

@xXIDaShizIXx wrote:
Those are also good cards also. The Venture has an annual fee and if you don't mind the tripple pull then a good card to have with high limits. The Discover miles is also a really good one.
Lastly, which would be preferred? In regards to approval chances for me and higher limits? Thank you so much for your help!

Hands down the Venture... You have a higher chance of getting a bigger limit than the Discover..