@Remedios wrote:I'm going to cry
Now, you promised you weren't... Remember that thing you said about you loving long novels on the beach and whatnot? Or, was that ...walks 🤔
@uncredited wrote:@Who_wuda_thoughtTrue. Even though I only have the EO and not the AZ part, I still "practice"
. But they don't make it easy!
@AnonymalousThat makes sense. I think I might have figured out what discover does. They report statement balance from the 24th , the balance when when the statement is cut, but they don't actually report it (at least to TU) until the 18th the day before the payment is due. So my score actually should go up next week because the low (under 5%) util I had last statement won't be posted until next week, the report still shows January's balance (12%) until mar18 when it will show Feb. If course I won't app until after the statement to try to get cli so then I'm still in unknown territory.
To be clear, I don't carry balances but with a statement on the 24th and a pay date on the 19th, the statement date ends up mid cycle when you have charges on the card with normal usage and slow transaction posting. I might time payments differently due to that for real azeo, but it doesnt help the apps now. Also sucks that I won't be putting charges on it for the next 2.2 weeks because I can't risk that they update ex or eq differently just before doing one to two apps, even if that hurts sli odds. I'm nervous enough that there are $400 in pending charges still not posted to pay off....
@KforceThat payment day thing is a big perk. Discover does that, payment counts the day you arrange it. I do love that especially since my bank is slow as molasses with ach. Like 2-4 business days, never weekends, slow.
I'll definitely wait and see what @Remedios has so say to a few of those questions about WF, auto cli etc. WF does have one cool hidden perk, you can see your whole EX report, so it's kinda like a free low tier myfico sub included.
There's also that Citi is mc, while the cobrand and Amazon chase are both Visa. So if I do wf or evergreen I'm all visa with no mc. Maybe doesnt matter. My debit is mc.
Youre both very high on evergreen, and I'd indeed just go with you and jump on it if the next card in the lineup weren't also fnbo.
Let's workshop evergreen then. If card 2 is evergreen that means card 3 can't be fnbo cobrand, that'll have to be later. It also can't be chase Amazon because chase, waiting for thicker file and more age, and they're the last one you want to spree on.
So then what should card 3 be (#2 of the spree). Kinda leaves amex just to have an Amex (and their plan it low interest installments for big purchases, which I'd use. Citi has it too, but only if you get a good apr is it useful). Or Citi cc (which doesnt make sense to just be back to Citi anyway, though they seem to be trying to solicit me for that one). PayPal Credit? Weird one, but permanent 6 months no interest is the best balance carry card around..... For anything not bought at Amazon anyway.
I'd essentially need to get something other than either store cobrand I'm looking at....
Though you guys do make that sound worth it. If I did go that way, any of the above done like good or bad bets? I'd then do the cobrands (Chase Amazon/fnbo cobrand) in 6-12 mo? Chase first maybe because then I'd be at 3/24.
I think the only advice I can offer you is don't apply for any cards, you aren't ready.
Cards you are considering don't have complex rewards structures, they are almost identical, you only have one card so it's not like you're looking to avoid duplicate benefits and yet here we are, no closer... probably a bit further than you were when you first started.
Focus is jumping from one thing to another, if limit is addressed, approval becomes issue. If approval/denial is addressed, HPs become an issue.
Right when that appears to be going somewhere, lender itself becomes an issue.
And then, CLI method before even being approved becomes a criteria.
It just appears that whatever you're being offered in terms of advice is met with counterpoint and additional questions.
I just don't think you quite know what you want and where you want to look for it. Thread is starting to resemble to those instances where it appears we're trying to convince you to apply instead of purely offering info on cards.
Another thing, no matter what you decide, you will think it was a bad decision. If SL is low "should have gone with..." will happen. If denied, same. If you have a single bad experience after approval, same.
So maybe give yourself more time, more we throw at you, less likely you're to decide and/or be content with your decision regardless of outcome.
There is nothing wrong with being thoughtful, but indecisiveness can also be mistaken for thoughtfulness. Indecisiveness is the sign of doubting one will reach the right decision, so maybe postpone decision making. If/when second card becomes an absolute necessity for you, the decision will come easy.
I'm sure there will be others with different perspective, maybe they will offer something that hasn't been covered in the last 70+ posts.
I do hope to see an approval thread from you some day.
@Remedios wrote:
@uncredited wrote:@Who_wuda_thoughtTrue. Even though I only have the EO and not the AZ part, I still "practice"
@AnonymalousThat makes sense. I think I might have figured out what discover does. They report statement balance from the 24th , the balance when when the statement is cut, but they don't actually report it (at least to TU) until the 18th the day before the payment is due. So my score actually should go up next week because the low (under 5%) util I had last statement won't be posted until next week, the report still shows January's balance (12%) until mar18 when it will show Feb. If course I won't app until after the statement to try to get cli so then I'm still in unknown territory.
To be clear, I don't carry balances but with a statement on the 24th and a pay date on the 19th, the statement date ends up mid cycle when you have charges on the card with normal usage and slow transaction posting. I might time payments differently due to that for real azeo, but it doesnt help the apps now. Also sucks that I won't be putting charges on it for the next 2.2 weeks because I can't risk that they update ex or eq differently just before doing one to two apps, even if that hurts sli odds. I'm nervous enough that there are $400 in pending charges still not posted to pay off....
@KforceThat payment day thing is a big perk. Discover does that, payment counts the day you arrange it. I do love that especially since my bank is slow as molasses with ach. Like 2-4 business days, never weekends, slow.
I'll definitely wait and see what @Remedios has so say to a few of those questions about WF, auto cli etc. WF does have one cool hidden perk, you can see your whole EX report, so it's kinda like a free low tier myfico sub included.
There's also that Citi is mc, while the cobrand and Amazon chase are both Visa. So if I do wf or evergreen I'm all visa with no mc. Maybe doesnt matter. My debit is mc.
Youre both very high on evergreen, and I'd indeed just go with you and jump on it if the next card in the lineup weren't also fnbo.
Let's workshop evergreen then. If card 2 is evergreen that means card 3 can't be fnbo cobrand, that'll have to be later. It also can't be chase Amazon because chase, waiting for thicker file and more age, and they're the last one you want to spree on.
So then what should card 3 be (#2 of the spree). Kinda leaves amex just to have an Amex (and their plan it low interest installments for big purchases, which I'd use. Citi has it too, but only if you get a good apr is it useful). Or Citi cc (which doesnt make sense to just be back to Citi anyway, though they seem to be trying to solicit me for that one). PayPal Credit? Weird one, but permanent 6 months no interest is the best balance carry card around..... For anything not bought at Amazon anyway.
I'd essentially need to get something other than either store cobrand I'm looking at....
Though you guys do make that sound worth it. If I did go that way, any of the above done like good or bad bets? I'd then do the cobrands (Chase Amazon/fnbo cobrand) in 6-12 mo? Chase first maybe because then I'd be at 3/24.
I think the only advice I can offer you is don't apply for any cards, you aren't ready.
Cards you are considering don't have complex rewards structures, they are almost identical, you only have one card so it's not like you're looking to avoid duplicate benefits and yet here we are, no closer... probably a bit further than you were when you first started.
Focus is jumping from one thing to another, if limit is addressed, approval becomes issue. If approval/denial is addressed, HPs become an issue.
Right when that appears to be going somewhere, lender itself becomes an issue.
And then, CLI method before even being approved becomes a criteria.
It just appears that whatever you're being offered in terms of advice is met with counterpoint and additional questions.
I just don't think you quite know what you want and where you want to look for it. Thread is starting to resemble to those instances where it appears we're trying to convince you to apply instead of purely offering info on cards.
Another thing, no matter what you decide, you will think it was a bad decision. If SL is low "should have gone with..." will happen. If denied, same. If you have a single bad experience after approval, same.
So maybe give yourself more time, more we throw at you, less likely you're to decide and/or be content with your decision regardless of outcome.
There is nothing wrong with being thoughtful, but indecisiveness can also be mistaken for thoughtfulness. Indecisiveness is the sign of doubting one will reach the right decision, so maybe postpone decision making. If/when second card becomes an absolute necessity for you, the decision will come easy.
I'm sure there will be others with different perspective, maybe they will offer something that hasn't been covered in the last 70+ posts.
I do hope to see an approval thread from you some day.
Ditto.
I certainly understand trying to weigh out all your options before an application to ensure the best possible outcome. And I definitely understand what it's like getting into the credit world later in life than your average person. There is a feeling of needing to catch up and make up for lost time. But at the end of the day, what is this all for? So you can qualify for bigger purchases and loans later on down the line. But guess what? You don't need 20 years of credit history for that. And while you may not qualify for a lot at first, it doesn't take as much time as you think to get there. But you do need to make some moves. And if you have to deal with some small limits at first and let things age and grow, so be it. We all have to go through the paces.
A denial won't set you back. And neither will a wasted HP or two. But you've also done your homework and have more knowledge than the average person out there. Sure, risk is scary, but there are no rewards if you don't try either.
Just pick something and go for it!
I tried reading through whole thread I really did lol but not enough coffee yet. 🙃
I'm just hoping to say Penfed PCR is an awesome 2% card. Penfed is much more generous this past year than years past and can grow nicely. Rewards post fast and were it not for me using it for a bt, it would be my daily
Are you still discussing this? To think, when I was old enough to get my own credit cards, I applied for whichever was prettiest 
If you're worried about getting a low starting limit with Citi, I believe you can get soft pull CLIs every 6 months or a year (I can't remember who has what schedule).
But what's are the consequences if you apply for a card then turns out you don't like it? Not much -- get a replacement and close the first one, if you like. This isn't marriage; you don't have to find The One. And even then, have you seen the divorce rate?