@Imperfectfuture wrote:
I can handle approvals, but I have so much credit right now, and tons of 0% to work with! there is no desire for my other cards. I want sallie Mae next sept/October, ink cash next May 2016, maybe discover in July (or not), and add on CSP maybe December 2016.
Around March 2017, probably convert Aviator to the Ring. So I have a plan, and want to keep the creditors I have now happy. Of course, something new might come up, but I do want something that will transfer points and handle trips.
My SimplyCash is the best cash back card so far, after the two months, they just apply the cash to your account. Also serves as my 3% dining when 5% isn't applicable. The amazon carries that for small businesses and places that don't accept Amex, but that card will be absorbed into the ink cash.
Happy gardening.
Wow.......I wanna be you when I grow up! Lol. I have my eyes on shiny new CSP, SM and AMEX of any kind. 
Thanks for the well wishes.
Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
@MstrPTato wrote:The approvals are nice but I have also come to realize that big banks with big limits is better than having a bunch of $500 cards. I am choosing the simple life now and don't want more than 6 personal lines. I will see you in the garden!
ONLY SIX?!?!.........I'm shakin' just thing about it. Lol. Definitely agree with big limits over small ones. I'm hoping Synchrony will help get me over that hump. It was important to not only get some quality cards I would actually use but, get some that would grow QUICK and HUGE!!! We'll see if I'm right over the next month or so. Thanks for the insight.
@Ford725 wrote:
@MstrPTato wrote:The approvals are nice but I have also come to realize that big banks with big limits is better than having a bunch of $500 cards. I am choosing the simple life now and don't want more than 6 personal lines. I will see you in the garden!
ONLY SIX?!?!.........I'm shakin' just thing about it. Lol. Definitely agree with big limits over small ones. I'm hoping Synchrony will help get me over that hump. It was important to not only get some quality cards I would actually use but, get some that would grow QUICK and HUGE!!! We'll see if I'm right over the next month or so. Thanks for the insight.
A couple months ago I wanted all that I could get. I only want to worry about a couple now. Granted Lowe's passes out great limits, but I didn't get it for that reason. Being a homeowner, you never know when you are going to need something expensive and they offer both 0%, big purchase financing, or 5% off daily. Who knows when my water heater will blow, but I know I am covered with a large limit. Citi is my oldest account, CSP is metal and I had to try it, and I bank with BoA. BestBuy also has great financing and I like electronics. Like I said elsewhere, I am gardening for the summer and will look at anything new in December (eyeing AARP for 3% restaurant). I also want to get past that bronze spade I have once since I joined here.
@MstrPTato wrote:
@Ford725 wrote:
@MstrPTato wrote:The approvals are nice but I have also come to realize that big banks
ONLY SIX?!?!.........I'm shakin' just thing about it. Lol. Definitely agree with big limits over small ones. I'm hoping Synchrony will help get me over that hump. It was important to not only get some quality cards I would actually use but, get some that would grow QUICK and HUGE!!! We'll see if I'm right over the next month or so. Thanks for the insight.
A couple months ago I wanted all that I could get. I only want to worry about a couple now. Granted Lowe's passes out great limits, but I didn't get it for that reason. Being a homeowner, you never know when you are going to need something expensive and they offer both 0%, big purchase financing, or 5% off daily. Who knows when my water heater will blow, but I know I am covered with a large limit. Citi is my oldest account, CSP is metal and I had to try it, and I bank with BoA. BestBuy also has great financing and I like electronics. Like I said elsewhere, I am gardening for the summer and will look at anything new in December (eyeing AARP for 3% restaurant). I also want to get past that bronze spade I have once since I joined here.
I love your PLAN STAN!! I'm joining you through the summer (fingers crossed behind my back)......Seriously, you seem really focused on what you want and what will work for you. Here's praying it all works out, including chucking the bronze spade by December!
@Ford725 wrote:
@MstrPTato wrote:
@Ford725 wrote:
@MstrPTato wrote:The approvals are nice but I have also come to realize that big banks
ONLY SIX?!?!.........I'm shakin' just thing about it. Lol. Definitely agree with big limits over small ones. I'm hoping Synchrony will help get me over that hump. It was important to not only get some quality cards I would actually use but, get some that would grow QUICK and HUGE!!! We'll see if I'm right over the next month or so. Thanks for the insight.
A couple months ago I wanted all that I could get. I only want to worry about a couple now. Granted Lowe's passes out great limits, but I didn't get it for that reason. Being a homeowner, you never know when you are going to need something expensive and they offer both 0%, big purchase financing, or 5% off daily. Who knows when my water heater will blow, but I know I am covered with a large limit. Citi is my oldest account, CSP is metal and I had to try it, and I bank with BoA. BestBuy also has great financing and I like electronics. Like I said elsewhere, I am gardening for the summer and will look at anything new in December (eyeing AARP for 3% restaurant). I also want to get past that bronze spade I have once since I joined here.
I love your PLAN STAN!! I'm joining you through the summer (fingers crossed behind my back)......Seriously, you seem really focused on what you want and what will work for you. Here's praying it all works out, including chucking the bronze spade by December!
After my Bank of America approval the other day, and other happenings going on around the boards here, I have decided this is what I am going for and am sticking to it. I need some of these inquires to fall off and the only way to have them go away is to stop taking the hits. I am going for that gold spade!! I would rather have, and this is only an example, $100,000 over 6 lines of credit than to have even $110,000 over 30 lines. What looks better? I know what I like.
@MstrPTato wrote:
@Ford725 wrote:
@MstrPTato wrote:
@Ford725 wrote:
@MstrPTato wrote:The approvals are nice but I have also come to realize that big banks
ONLY SIX?!?!.........I'm shakin' just thing about it. Lol. Definitely agree with big limits over small ones. I'm hoping Synchrony will help get me over that hump. It was important to not only get some quality cards I would actually use but, get some that would grow QUICK and HUGE!!! We'll see if I'm right over the next month or so. Thanks for the insight.
A couple months ago I wanted all that I could get. I only want to worry about a couple now. Granted Lowe's passes out great limits, but I didn't get it for that reason. Being a homeowner, you never know when you are going to need something expensive and they offer both 0%, big purchase financing, or 5% off daily. Who knows when my water heater will blow, but I know I am covered with a large limit. Citi is my oldest account, CSP is metal and I had to try it, and I bank with BoA. BestBuy also has great financing and I like electronics. Like I said elsewhere, I am gardening for the summer and will look at anything new in December (eyeing AARP for 3% restaurant). I also want to get past that bronze spade I have once since I joined here.
I love your PLAN STAN!! I'm joining you through the summer (fingers crossed behind my back)......Seriously, you seem really focused on what you want and what will work for you. Here's praying it all works out, including chucking the bronze spade by December!
After my Bank of America approval the other day, and other happenings going on around the boards here, I have decided this is what I am going for and am sticking to it. I need some of these inquires to fall off and the only way to have them go away is to stop taking the hits. I am going for that gold spade!! I would rather have, and this is only an example, $100,000 over 6 lines of credit than to have even $110,000 over 30 lines. What looks better? I know what I like.
Now, THAT'S WHAT IM TALKING ABOUT!!!! Once I start getting what I want, that is definitely the plan! Being apart of this community can be a major blessing or curse depending on your goals or lack of them. Thanks for the wisdom.
@Ford725 wrote:
@MstrPTato wrote:
@Ford725 wrote:
@MstrPTato wrote:
@Ford725 wrote:
@MstrPTato wrote:The approvals are nice but I have also come to realize that big banks
ONLY SIX?!?!.........I'm shakin' just thing about it. Lol. Definitely agree with big limits over small ones. I'm hoping Synchrony will help get me over that hump. It was important to not only get some quality cards I would actually use but, get some that would grow QUICK and HUGE!!! We'll see if I'm right over the next month or so. Thanks for the insight.
A couple months ago I wanted all that I could get. I only want to worry about a couple now. Granted Lowe's passes out great limits, but I didn't get it for that reason. Being a homeowner, you never know when you are going to need something expensive and they offer both 0%, big purchase financing, or 5% off daily. Who knows when my water heater will blow, but I know I am covered with a large limit. Citi is my oldest account, CSP is metal and I had to try it, and I bank with BoA. BestBuy also has great financing and I like electronics. Like I said elsewhere, I am gardening for the summer and will look at anything new in December (eyeing AARP for 3% restaurant). I also want to get past that bronze spade I have once since I joined here.
I love your PLAN STAN!! I'm joining you through the summer (fingers crossed behind my back)......Seriously, you seem really focused on what you want and what will work for you. Here's praying it all works out, including chucking the bronze spade by December!
After my Bank of America approval the other day, and other happenings going on around the boards here, I have decided this is what I am going for and am sticking to it. I need some of these inquires to fall off and the only way to have them go away is to stop taking the hits. I am going for that gold spade!! I would rather have, and this is only an example, $100,000 over 6 lines of credit than to have even $110,000 over 30 lines. What looks better? I know what I like.
Now, THAT'S WHAT IM TALKING ABOUT!!!!
See you in the garden!!
@Vulcan1600 wrote:Awesome.
Thanks Volcan, I really wanna do it right this time!