No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
So, I started reading the boards again more recently and decided to "refresh" my credit cards a little after paying off a car loan last month.
I currently have 9 cards, with three new:
Chase Freedom 6k CL
Citi Diamond Preferred 6k CL
Discover More 1.5 CL (approved today)
The remaining cards are:
BOA World Points MC 6k CL
BOA BankAmericard Power Rewards Signature Visa 10k CL (CL not reported to any of the CBs any more
Sears store card 3.3k CL (Citi is upgrading it to MC)
Shell gas card 2.4k CL
Pottery Barn card3k CL
Home Depot store card 2k CL
I am slightly disappointed with the Discover More CL, but I will take it Now, it is time to garden....
Congratulations on the new CC's
I didn't even know Pottery Barn had a CC and a 3K CL to boot, good on you!!
Keep up the Great work!
@BabyBlue wrote:So, I started reading the boards again more recently and decided to "refresh" my credit cards a little after paying off a car loan last month.
I currently have 9 cards, with three new:
Chase Freedom 6k CL
Citi Diamond Preferred 6k CL
Discover More 1.5 CL (approved today)
The remaining cards are:
BOA World Points MC 6k CL
BOA BankAmericard Power Rewards Signature Visa 10k CL (CL not reported to any of the CBs any more
Sears store card 3.3k CL (Citi is upgrading it to MC)
Shell gas card 2.4k CL
Pottery Barn card3k CL
Home Depot store card 2k CL
I am slightly disappointed with the Discover More CL, but I will take it
Now, it is time to garden....
Congrats on your approval. I am a bit confused about BOA signature visa. I have their cash rewards signature visa and it reports its CL (10k). Do they treat their different visa signature cards differently?
I am not sure what is going on but my posts are not appearing. Is Internet Explorer 9 playing tricks on me again? This is a third edit... Hopefully, it will work this time (if so, Mozilla Firefox Rules!):
@Mustang - Pottery Barn is a good card to have if you shop there a lot. It is backed by WFNNB, but you get "10% in rewards points back on all purchases." I also got a couple of $25 certificates in the mail since I opened the card at the end of last year. The APR is only 16%, which is not bad for a store card, I think.
@vish1 - My BOA signature visa is a result of an involuntary conversion from an old Miles Edge card that they no longer offer. After the conversion, it initially reported CL for quite a while and when I checked my reports recently I noticed it does not anymore. I read on the forums that for some converted cards, the CL is still reported. I would imagine it is sheer luck I will probably try to convert this card to something else in a few months once I graduate (in a few weeks!!!), get a decent job and my new cards get a little older.
@vish1 wrote:
@BabyBlue wrote:So, I started reading the boards again more recently and decided to "refresh" my credit cards a little after paying off a car loan last month.
I currently have 9 cards, with three new:
Chase Freedom 6k CL
Citi Diamond Preferred 6k CL
Discover More 1.5 CL (approved today)
The remaining cards are:
BOA World Points MC 6k CL
BOA BankAmericard Power Rewards Signature Visa 10k CL (CL not reported to any of the CBs any more
Sears store card 3.3k CL (Citi is upgrading it to MC)
Shell gas card 2.4k CL
Pottery Barn card3k CL
Home Depot store card 2k CL
I am slightly disappointed with the Discover More CL, but I will take it
Now, it is time to garden....
Congrats on your approval. I am a bit confused about BOA signature visa. I have their cash rewards signature visa and it reports its CL (10k). Do they treat their different visa signature cards differently?
I have a BOA Power Rewards signature card that does not report a limit and never has. It is listed as a "flexible spending credit card" on my reports. I like it that way because it doesn't seem to be figured into utilization. As far as I can tell, FICO ignores it (except for TU98).
@android01 wrote:
@vish1 wrote:
@BabyBlue wrote:So, I started reading the boards again more recently and decided to "refresh" my credit cards a little after paying off a car loan last month.
I currently have 9 cards, with three new:
Chase Freedom 6k CL
Citi Diamond Preferred 6k CL
Discover More 1.5 CL (approved today)
The remaining cards are:
BOA World Points MC 6k CL
BOA BankAmericard Power Rewards Signature Visa 10k CL (CL not reported to any of the CBs any more
Sears store card 3.3k CL (Citi is upgrading it to MC)
Shell gas card 2.4k CL
Pottery Barn card3k CL
Home Depot store card 2k CL
I am slightly disappointed with the Discover More CL, but I will take it
Now, it is time to garden....
Congrats on your approval. I am a bit confused about BOA signature visa. I have their cash rewards signature visa and it reports its CL (10k). Do they treat their different visa signature cards differently?
I have a BOA Power Rewards signature card that does not report a limit and never has. It is listed as a "flexible spending credit card" on my reports. I like it that way because it doesn't seem to be figured into utilization. As far as I can tell, FICO ignores it (except for TU98).
My card also shows up as "flexible spending ..." but reports a limit also. I had pc from secured to cash rewards visa signature about 2 months back.