I'm in a good place right now. After burning Disco 9 yrs ago I'm back in and my only strategy in the near future is to stay in the garden, keep UTL low and see if I can push the mid to high 700's in to 800 territory when my BK drops off. I have all the cards I need but that's not to say I won't get itchy next year.
NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 13K | Cap1 QS 12.5K | Barclay MC 20k | Delta Gold Amex 38K | Discover IT 20K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 8k |
@TheRedHat wrote:
- 5/2023: I'm going to downgrade my AMEX Blue Cash Preferred card to the AMEX Blue Cash Everyday. DONE
- 9/2023: I'm going to close my AMEX Platinum after the next Annual Fee hits.
- 10/2023: My sign-up bonus that I would have earned on my NFCU Flagship rewards next month will be used to cover its annual fee for the next 7 years.
2023 will be the year of Annual Fee Eliminations, No Hard Pulls, No New Card Applications and SP Credit Limit increases.
Update: My AMEX Blue Cash Preferred card has been downgraded to the Blue Cash Everyday. Going on 7 months of gardening now.
@mgood wrote:This time last year, my mantra was "No new cards in 2022!"
Um, about that, I got the FOTM Evergreen, I mean FNBO Evergreen in January. I only went for it because of the high limit it promised in the pre-qual. I have no major gripes about it so far though. When I got that, I said "No new cards for one year (365 days)." Then I got the Citi Custom Cash in July. Hey, I made it half a year. Great card I had on my to-get list anyway, I just got it a little earlier than originally planned.
My 0% period expires on my Evergreen and Autograph in January and February respectively. I'm working hard to pay those off ASAP. Custom Cash is 0% until October, so I'm not worried about it except for not letting it get too out of hand and making my credit reports look bad.
January 16 I will be 0/6, 1/12, 4/24.
I tentatively plan to wait until February 1, just to be safe, and apply for the Chase Sapphire Preferred. Depending on what bonus/incentives/improvements happen between now and then, I could possibly go for the Sapphire Reserve. It wouldn't take much to push me towards the Reserve. But the Preferred seems like the better fit for me right now.[EDIT: Approved for the CSP on Jan 20.]
Six months after that I will again be 0/6, 1/12, 4/24. I intend to get the US Bank Cash+.[EDIT: Approved for the Cash+ on Mar 31.]
I've considered changing the order of those two. If I get the Cash+ first, I will again be under 4/24 and eligible to get a Chase card a couple months quicker than if I get the Sapphire first and have to wait until I'm 0/6 for a US Bank card.
Some thought has even been given to applying for both on the same day, since they should pull different CRAs and probably won't see each other. But I'm afraid that when they see it later through SP checking up on me, they'll be annoyed and possibly close accounts I just opened.Opinions on this are welcome.
A few months later, say December, I want to get a 2nd Discover it Cash Back to hit the double rewards again.
I got the CSP on schedule and the Cash+ way early. Then I got an Amazon Prime Visa that I'd been thinking about getting maybe next year.
So I need to stop applying for stuff for at least 6 months.
Could still go for a 2nd Disco around December.
EQ8 778, TU8 764, EX8 772 as of August 5
-Looking to axe the Amex Green in August, probably transfer my MRs to choice priveleges and have a little vacation or a really nice dinnner.
Considering RESY gold, since dining seems to be my highest category.
-My goal card is CSP which would be great to fly family/ friends down to where we moved. Wish I had the profile then to get the 80k offer.
- We just closed on a house and are planning a garage conversion. I dont have the profile for a high limit card, she does, but doesnt want any new accounts so we can refi in 8 months. I considered USB shoppers for the HD/ Lowes 6%, but I feel like I'd get stuck with a **bleep** SL. The other option is a longer term 0% card.
Just talking out loud. Hope everyone is meeting their credit goals this year as well.
@Zoostation1 wrote:My goals for 2023 will be:
- Continue the rebuild with always PIF (AZEO when reasonable to do so)
- CLI for SavorOne (aiming for April/May 2023 to request since it's a new card for me)
- CLI for Discover (will give it more spend after giving the SavorOne a run first)
- Add one more CC (mid-late spring if not later) then back to the garden. Looking at the following options (some may or may not be available given my profile)
- Amex BCP. This would have to be sometime after late march when I hit the 5yr1mo threshold. I know if approved I'll get the low $1k limit. That being said I've done the math based on my spend and when you tally up th 6% grocery (I won't max it but still make ample use), 6% streaming, 3% transit (I tend to take a lot of uber and lyft rather than driving when I go out), 3% gas more than make up the $95 AF versus what I would earn with BCE. This would likely be my first choice even though it won't help me pad utilization
- Wells Fargo Autograph (don't know how friendly they are to the kind of profile I have or will have). Another alternative for getting 3% on gas and transit. I don't travel all that much but maybe the occasional flight would go on this one instead of Venture One.
- Bread Financial AMEX - 2% card option that could be a catch all for whatever isn't covered by my other cards and they seem reasonably open to rebuilders. DPs of people who have similar or less time since discharge getting a decent SL.
- Mercury 2% - probably at the bottom of this list. Nothing inherently bad to say about this card but may tend to have lower top end CLs and I already have two MC. Would prefer my next card be a Visa or Amex to diversify.
- Possibly look to PC Venture One to QS 6 months+ from now. This would really be dependent on what card I open. If I were to get a 2% card I may not PC it, but if i got something like BCP I'd more likely consider trying to go to QS as a backup catch all.
Edit: Forgot about this post until someone kudoed in the last couple of days. 5 months later I didn't quite stick to my gardening plan. Realized the 5yr1mo rule was from filing not discharge and got the BCP with a surpise $5k limit. Still working on the SavorOne CLI and will likely try for it next month. Also wasn't planning on it but asked Discover a couple of CLIs in Dec and Feb. Both got denied for insufficient experience with curent CL.
Update to the update.
No luck on Discover for a CLI. Still at $1800. My plat VentureOne (formerly a QS1), got another PC in March or April (can't remember exactly when) and it went to a WEMC QS (no attempted CLI since so stll at $3500 yet). I have not yet asked for a CLI on the BCP. Added the Venture X last night despite having recalibrated a bit recently and was planning to make it 12 months of gardening. I have a couple smallish trips coming within the sub period that will mean less moving of spend off other cards to meet the sub. Otherwise it's been a fairly good year thus far and am still happy to say no interest paid since starting my rebuild.
It's also far too early for 2024 plans but I really need to stay in the garden as long as possible and work on getting mortgage scores up as much as I can (they have barely moved at all during my rebuild and maybe they won't move much before the BK7 falls off). Not ready to buy but I want to be as prepared as I can be for when my living situation comes to an end (hopefully not anytime too soon but inevitably it will end).
Welcome to My FICO Forums, @DigitalDolla. 😁.
As you may have discovered, there are lots of tips in the Smorgasbord Forums about signatures and card images.
To answer your specific question, it's all in the way you enter the HTML code. For example, I snipped the code for my CITI AAdvantage Executive card for you as an example. I host my images on Imgur.com so you'll see a direct link to the image url. I've currently got my cards sized at 55x75 but there are other compatible sizes. After title=, just type the text you want to display in quotation marks. Each card is strung together with no extra spaces or text such as previous card ... ><CARD HTML>< ... next card.
<img height="55" width="75" src="https://i.imgur.com/FDeHbyt.jpg" border="0" title="Citi AAdvantage Executive World Elite Mastercard $42,500" />
