On scale 1-10 rate my credit card lineup?

Anonymous · ‎04-01-2015

I filed Chapter 7 BK back in 06/2007. Just wanted to know what does the members here think about my credit lineup? Scale 1-10. If something needs to improve suggestions are welcomed.

Anonymous · ‎04-01-2015

I'm guessing you're on a no go list With Chase?

If not, AARP or CSP for restaurants.

Also, BoA better balance rewards is an awesome card, as are the discover it/freedom.

Anonymous · ‎04-01-2015

@Anonymous wrote:
I'm guessing you're on ano go list With Chase?

If not, AARP or CSP for restaurants.

I burned Chase so they don't like me. Everytime I apply they find different reasons. Too many inquires or too many new accounts.

Anonymous · ‎04-01-2015

I think you have a great lineup and based on your posts, you are not the type who wants a lot of cards. So I'd let these age...

Anonymous · ‎04-01-2015

@Anonymous wrote:
I think you have a great lineup and based on your posts, you are not the type who wants a lot of cards. So I'd let these age...

Yes that was me couple months ago. But now I am changing.

Anonymous · ‎04-01-2015

@Anonymous wrote:
@Anonymous wrote:
I think you have a great lineup and based on your posts, you are not the type who wants a lot of cards. So I'd let these age...
Yes that was me couple months ago. But now I am changing.

Eh? That was a good decision / choice to have.. Why the sudden change if you don't mind me asking? What are your current needs?

wacdenney · ‎04-01-2015

If your lineup works for you then it's a perfect 10 right??

I don't see any low APR cards for those times when someone might want or need to let a balance ride for a month or two. Maybe something under 10% would be nice like a CU card or Ring. Beyond that without a breakdown of your spending habbits it's hard for anyone to recommend to you what would work for you.

Anonymous · ‎04-01-2015

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I think you have a great lineup and based on your posts, you are not the type who wants a lot of cards. So I'd let these age...
Yes that was me couple months ago. But now I am changing.
Eh? That was a good decision / choice to have.. Why the sudden change if you don't mind me asking? What are your current needs?

I been on these forums alot these days that would be the biggest reason. Second reason is alots of my friends can't get approved even for a $1,000 Capital One. That makes me feel I should take what I can get. Make me feel better LOL. My monthly spend is still kind of low. Mostly gas, food, and department store shopping.

Anonymous · ‎04-01-2015

@wacdenney wrote:
If your lineup works for you then it's a perfect 10 right??

I don't see any low APR cards for those times when someone might want or need to let a balance ride for a month or two. Maybe something under 10% would be nice like a CU card or Ring. Beyond that without a breakdown of your spending habbits it's hard for anyone to recommend to you what would work for you.

Ring is on my list. I got two brand new accounts with Barclays in about 3 month time frame. Waiting for them to age. Meanwhile Citi and BOA is 0% until October.

wacdenney · ‎04-01-2015

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I think you have a great lineup and based on your posts, you are not the type who wants a lot of cards. So I'd let these age...
Yes that was me couple months ago. But now I am changing.
Eh? That was a good decision / choice to have.. Why the sudden change if you don't mind me asking? What are your current needs?
I been on these forums alot these days that would be the biggest reason. Second reason is alots of my friends can't get approved even for a $1,000 Capital One. That makes me feel I should take what I can get. Make me feel better LOL. My monthly spend is still kind of low. Mostly gas, food, and department store shopping.

If food is a larger category for you then you could benefit from something to address that. With Chase out of the question the next best option besides AARP I think would be PayPal Extras at ~2.5% CB on dining. Discover would also cover dining at 5% at least part of the year.

I'm assuming "food" means dining, if it means grocery stores then you've got it covered with Sallie.