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I'm looking to see how many of us in the forums who make a plan to ease out of the "gardening" phase this year have a process for establishing new cards:
I have 2 cards that are coming off the 24-month ticker this year (one next month, the other in October), with the most recent card as of last June (Amex BCP). I've already selected the 2 cards that I will be adding, with the possibility of PC'ing another card in August. The new cards will cover goals B, C and D. From there, I suspect that I will be gardening again for a while. At least until late Fall 2018 or early 2019.
I suspect that approvals will be granted, based on (1) high FICO scores (2) low util %...or at least it will be closer to 5% by the time I apply in May. (3) at least one card opening from 2015 dropping off my report.
I welcome any and all feedback. Thanks!
Those are all reasons people choose their cards, among others. For me, I am wanting to establish a good relationship with NFCU. I've transferred my direct deposit, opened a CLOC and refinanced my car. I will exit the garden next Spring and plan to apply for a cc then. I think having a good relationship with your bank can be equally as important as the other perks of the cards. I'm sure there are others who can add to the list of how/why people choose the cards that they do.