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Goal cards for 2013??

Valued Member

Re: Goal cards for 2013??

2012 was great for me. I got a house and got my foot in the door with Chase, Citi, and Discover.


I am in the garden right now but If I had to app I would likely try for a AMEX BCE and cli on my chase and discover.

Starting Score:FICO EQ 620 TU Fako 595 EX FAKO 628
Current Score: Lender Pull 10/2012 EX 719, EQ 704, TU 690

BOA $8500 I CitiForward $6500 I Chase Freedom $3000 I Discover More $1500 I Kohls $1000 I Orchard Bank $400
App free since 12/8/2012.. holding out til 11/2013
Message 41 of 93

Re: Goal cards for 2013??

slippy84 wrote:

7PM789 wrote:
I would like to get the B.C.E. in January for maximum backdating.

I would also like to try for the U.S. Bank Cash + and the Penfed platinum rewards.

Sorry, new to this forum, but I'm curious about the AMEX backdating you're talking about? I think I know what backdating is (you have an AMEX account, you close it later on, then years down the road you open it again and AMEX backdates your account to show on your credit reports that you were a member the whole time, right?). How does getting it in January provide the most benefit though?

Because the new date will be with the month of the original date. And clearly January is earlier than December in the same year. Smiley Happy

slippy84 wrote:

Message 42 of 93
Established Contributor

Re: Goal cards for 2013??



2012 was a excellent year for me because i went from having no credit history to having 6 credit cards opened slowly through out the year.


January: Capital One $500

Febuary: Amazon & Walmart Store Cards $300 each

March: Paypal Smart Connect w/Paypal Debit Card $400

August: Bank of America Cash Rewards Secured $300

November: Discover Motiva $1000


Through out this year as some of you know, I made lots of calls to GE Credit Solutuons to aquire credit limit increases,I also contacted Capital One Social Media team and Execitive Offices to add cash back and aquire a credit limit increase and also have my annual fee removed & I was successful. All of these accomplishments have really helped, as you can see from my siggy.


For 2013:


I plan on applying for a credit card to replace my Amazon Store card but not a card that will be used to gain Amazon Rewards, as i rarely shop on Amazon, I just basically got the Amazon Store Card for building credit, getting nice limit increases, and for utilization purposes as this forum has taught me well... (Thanks guys)


I am looking at one of the following,


American Express BCE

Barclays Rewards Mastercard

PNC Bank Cash Builder


I bank with PNC and i applied earlier 2012 and was denied I am hoping if i app for them in 2013 they will approve this time.


For any of these cards above, it would be ideal to garden till 2014 but i don't know if i can hold out that long to tell you the truth.... lol


Also in 2013,


My Bank Americard Cash Rewards Secured will unsecure by August unless i am able to initate an early graduation and i would like to convince them to remove the Annual Fee for good like Capital One did, i may even reach out to the Executive Offices at Bank of America if i have to!


Here's hoping 2013 will be another success in my credit building Journey!!! Thanks everyone! Smiley Very Happy

Capital One QuickSilver MC $4.5K | Walmart $5K (CLOSED) | BOA Cash Rewards Sig $6.5K | BOA BBR $1K | Discover IT $13.5K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom Sig $8K | CapOne Spark BIZ Cash Visa Sig $5k | AMEX SimplyCash Biz CC $10k (LLC) | AMEX Everyday $2k | Sallie Mae WMC $6.4K | Citi Double Cash WEMC $6.2k | DCU Visa Platinum $1K (CLOSED0 | PSECU Visa w/PSL $8k | Chase Ink Cash BIZ Sig CC $3k | FNBO Biz Visa $9.5K | AMEX SimplyCash Plus BIZ CC $10k | Fidelity Rewards Visa Sig $4.7k | AARP Visa $500 |
Message 43 of 93
Frequent Contributor

Re: Goal cards for 2013??

For 2013, I plan on getting in the door with Chase via their Freedom card.  I also want Barclay's Choice Privilages Visa and a Kay's charge. Ive been in the garden since 12/2011.  I have a major baddie coming off in Feb.... So come March, let the games begin!

5/2009 EQ-504(FICO), TU98-567(FICO), EX- 503 (FAKO)
10/17/11 EQ-633, TU04-652, EX-681 All lender Pulls
10/17/11 TU98-678
12/21/2012 TU98-677 (39% Util)
01/21/2012 EQ - 661 (37% Util) SW Alert
Message 44 of 93
Valued Contributor

Re: Goal cards for 2013??

I will probably cancel my AMEX PRG (don't use it much, and don't want to pay the AF), and maybe (or maybe not) app for the Starwood card, and then possibly app for BOA with one of these offers they send seemingly everyday for a 3-2-1 rewards card. I kind not in need of this card, but the interest rate and BT rates on the offers are decent (11.99-13.9 isn't too bad for BOA). I will probably wait until they have a better sign up bonus though. Also may see if I can PC my Penfed Travel AMEX to the Premier rewards card instead (does it still offer 5% back on gas?). Other than that, I am looking at cards to see what needs to be axed - I think I have too many. Will look into combining some cards/limits in the future. Not planning any new apps until probably Feb, or even later.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 45 of 93
Valued Contributor

Re: Goal cards for 2013??

2013: going for a nice cli to make my freedom a visa sig

costco true earning/bce-p not sure yet. 


and probably close out some store cards- currently have 

kohl's and possibly ae because you dont get any rewards that i can see besides not tying up real cards. 


best buy-2500 2years old

macy's 3500 2 years old

walmart 5000 6 months

kohl's 400-ughhh yeah  1 year old

american eagle-700 6 months

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9

2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 46 of 93
Valued Contributor

Re: Goal cards for 2013??

Anyone who will give me a shot without charging outrageous interest and fees.Smiley Wink

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 47 of 93
Valued Member

Re: Goal cards for 2013??

2012 was a great year for me too. Went from a 651 (at the lowest poing) to 747 (at the highest point). Now my latest lender pulled experian is a 727 after going on an app spree. Gardening until March 2013 and when I come out, hoping to get:


Amex Blue Cash Preferred

Marriott Rewards Premier

Chase Southwest Premier 

Chase Sapphire Preferred | Freedom | IHG Rewards Club
Citi Dividend | Simplicity | AAdvantage
Discover It
Capital One Quicksilver
Amex Blue Cash
Barclay Arrival | NFL Extra Points
Bank of America Better Balance Rewards
US Bank Platinum Visa
Message 48 of 93
Established Contributor

Re: Goal cards for 2013??

CSP and Old Navy

Message 49 of 93
Valued Member

Re: Goal cards for 2013??

2012: Amex Zync, Penfed Platinum Rewards, and Boa Cash Rewards.


2013: Fidelity Amex, Penfed Promise


Fidelity Amex gives 2% on all transactions!!

Penfed Plat gives 5% on gas all year and 3% at grocery

Discover has random 5% which is nice

Penfed promise has mo fees for anything(except 9.99 apr)



Boa and Zync not sure what I am going to do with. Although for some reason I love it.

Amex Platinum | Amex Zync | Penfed Plat Rewards | Discover IT | Bank Of America Cash Rewards

Message 50 of 93