My Journey So Far - 2 years since first credit card!

[Anonymous]

Just noticed that my GameStop PowerUp Rewards Store Card from Comenity is only a few days from becoming 2 years old, here's a look at my credit card journey so far!

Current Credit Limits & Opened Dates

Amazon.com Store Card ($3,000, Opened August 14th, 2015)

American Express Green Charge Card (NPSL, Opened September 29th, 2016)

American Express Delta SkyMiles Gold ($10,000, Opened August 23rd, 2016)

American Express Blue Cash EveryDay ($1,000, Opened August 17th, 2016)

Bank of America Cash Rewards Visa ($3,900, Opened May 9th, 2015)

Barclaycard Rewards MasterCard ($1,000, Opened September 9th, 2015)

Capital One Journey ($600, Opened August 15th, 2015)

Capital One QuickSilver One ($750, Opened October 12th, 2015)

Chase Disney Premier ($6,000, Opened September 6th, 2016)

Chase/JPMorgan Ritz Carlton Rewards ($11,000, Opened December 23rd, 2015)

Chase United Mileage Plus ($5,000, Opened December 24th, 2015)

Citi Diamond Preferred ($5,000, Opened Decemeber 30th, 2015)

Citi Thank You Preferred ($3,400, Opened September 4th, 2015)

Discover It ($750, Opened August 16th, 2015)

GameStop PowerUp Rewards Store Card ($1,050, Opened October 13th, 2014)

Lowe's Store Credit Card ($17,000, Opened June 11th, 2015)

What's next? Too bad I'll have to wait for Chase Sapphire Reserve, way past 5/24.

[gdale6]

If it were I, I would garden for the next 6-9 months and grow what I have and then think about what I could use that will fit into my spending patterns.

[nachoslibres]

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@gdale6 wrote:
If it were I, I would garden for the next 6-9 months and grow what I have and then think about what I could use that will fit into my spending patterns.

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Yes.  And I would urge caution if you continue to app - Chase is known to do SPs and if they feel that you are opening too many accounts too quickly they may shut down your accounts without any warning.  Just a heads up.

[Anonymous]

You make an excellent point bud. I think I will take that advice and garden for the next few months, I've been fortunate with what I've gotten to this point. Thank you!

[Anonymous]

I've heard... thanks for the extra warning though. I'll be taking your advice and gardening for the next few months, I've been lucky.

[Anonymous]

You plan on keeping the Ritz for a long time?

[Anonymous]

Definitely! It is and will remain as my primary Visa that I use when AMEX isn't applicable. I'm thrilled that it now as upgraded benefits as well as Visa Infinite status, definitely a winner in my book.

[joltdude]

Ever think of trying to combine some cards, some soft CLI increases and thinning out of the herd?

[Anonymous]

That's a lot of cards to manage. Pretty good quality ones I might add.

[Anonymous]

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@Anonymous wrote:

Just noticed that my GameStop PowerUp Rewards Store Card from Comenity is only a few days from becoming 2 years old, here's a look at my credit card journey so far!

Current Credit Limits & Opened Dates

Amazon.com Store Card ($3,000, Opened August 14th, 2015)

American Express Green Charge Card (NPSL, Opened September 29th, 2016) Hopefully you got 25k MRs for this offer?

American Express Delta SkyMiles Gold ($10,000, Opened August 23rd, 2016) (strange discrepancy b/w limits on the DG and BCE!  request APR reductions every 60-90 days. when this card is older you can move limit to the BCE)

American Express Blue Cash EveryDay ($1,000, Opened August 17th, 2016) (I guess attempt a 3x CLI later this month unless already denied for one)

Bank of America Cash Rewards Visa ($3,900, Opened May 9th, 2015) Reqeust increase and apr reductions

Barclaycard Rewards MasterCard ($1,000, Opened September 9th, 2015) (can this be PC'd to cash forward card? research technique of phoning in and asking for APR reduction, sometimes folks get a SP increase)

Capital One Journey ($600, Opened August 15th, 2015) (request cli and upgrade to regular QS)

Capital One QuickSilver One ($750, Opened October 12th, 2015) (request CLI and if journey doesnt upgrade to reg QS, upgrade to no AF QS, and combine with journey)

Chase Disney Premier ($6,000, Opened September 6th, 2016)

Chase/JPMorgan Ritz Carlton Rewards ($11,000, Opened December 23rd, 2015)

Chase United Mileage Plus ($5,000, Opened December 24th, 2015)

Citi Diamond Preferred ($5,000, Opened Decemeber 30th, 2015) (Request SP increases every 6 months , HP if you need it, recurrent bt offers, as well as random 5% mailers for $500 of random categories, perm apr reduction, then promo purchase APR after.  I find the DP to be quite a useful card lately!)

Citi Thank You Preferred ($3,400, Opened September 4th, 2015) ( apr reduction, possible HP CLI for both citi cards, PC to Doublecash if possible so 2% on everything)

Discover It ($750, Opened August 16th, 2015) I would focus a little extra spend on this card to get the CLI train rolling a little bit, despite double cash promo donezo.  This card will really grow since its a year old.  functions as 4.99% card anytime, very useful, great BT calculator too)

GameStop PowerUp Rewards Store Card ($1,050, Opened October 13th, 2014)

Lowe's Store Credit Card ($17,000, Opened June 11th, 2015) (great limit, leave as is!)

What's next? Too bad I'll have to wait for Chase Sapphire Reserve, way past 5/24.

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You could check for prequalification in branch for CSR, but its not guaranteed.  Otherwise lots of great cards, not many AFs!

Would like to see you have at least a doublecash or a 1.5% quicksilver with no AF.  Check emails to see if your BCE got the temporary BCP cash back until the end of the year!

Not saying go crazy and do everything listed above (regarding HP increases).  But you definitely have a gammut of options here to work with.  Aside from bonus spend, or category spend, I try to focus on a few cards at a time when they are due to be evaluated.  You dont have to disclose this, but if we had your avg score, where they are from, util, and AAOA, it would help make a plan of action on your current cards besides just using them and paying them off! Theres always room for tweaking to save money!