@CA4Closure wrote:I have met all of my goals that I set in 2011 when I lost everything to a foreclosure. 2016, I saw my FICO start to climb up from 310. My original goal was to recover from that devastating foreclosure and rebuild my life and credit history. Fast forward to 2022.
My goal is to hit a FICO score of 850/900 or perfect FICO and attaining the highest credit lines I can. I am still playing the game of getting rewards from using my credit cards. I do not see applying for any more credit cards as I have all that I need. I will also try and get my APR's lowered too. Lowest APR's will get my spend. Right now NFCU has the lowest APR's (American Express and Cash Rewards) at 5.99%.
Glad you recovered. So did my wife and I. We are ready for another meltdown as well. This time nobody will take anything from us.
@Conceptual23 wrote:After being approved for 9-10 cards in 2020, I felt it best to give my credit a break. My most recent approval was back in Dec 2020 so I've already been in The Garden a while but I plan to extend my stay for additional accounts seasoning. I've also frozen all credit profiles to provide somewhat of a firewall for any impulse applications while avoiding the credit approvals section of this forum. (It always gives me the itch to submit an app)
Sadly, there are three negative items from 2015 reporting on my profiles so I'll be working on clearing them up. Worst case scenario, they're scheduled for deletion this year so The Garden will devour those, eventually. Coincidentally, the DOD and my "over 5/24" accounts overlap, so I'll apply for a couple of Chase products shortly after. (biz and personal)
My 2022 Strategy is simple: Stay in the garden. Keep utilization under 5%. Work the process.
The bolded part, so true 
Basically the same, let the cards age and inquiries to fall off and hope for auto CLI for CFF and CO plat(after getting unsecured and PC for..dunno VO or Q).
That's the best scenario and if CLIs doesn't happen, maybe in a couple of months or so apply for Delta for travel to South Korea in the Summer.
Haven't been around lately.
0/36+ , Amex marriott personal and 2 business cards, Delt Res amd Amex Biz Marriott.
Nice SUBS and get another companion pass and another 15 nights with a crappy certificate night, making it easy for Marriott plat status for ever....Plus I get to deduct the annual fees.
It's a beautiful thing to get 2 cards, no pulls and don't show on reports, luv u amex.
Personal Cards: Amex Plat | Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR
I could be on my deathbed and my one last dying wish would be for a Discover CLI, and they would still say "no." 
Gardening and growing my credit limits are the game now. I have a credit card to cover every category of spending . I don't need nor want anymore "builders" at this point. If there is one more credit card that I want this year, it would be the Bank of America Customized Cash Rewards for their 3% Online Shopping. I'll consider it in about 6 or 7 months. I'll graduate my two secured U.S. Bank cards in about 14-15 months from now, so those will be 2023 goals. Other than that, smooth sailing until next year.
Last update: 4/8/2024
@TheRedHat wrote:I could be on my deathbed and my one last dying wish would be for a Discover CLI, and they would still say "no."
Gardening and growing my credit limits are the game now. I have a credit card to cover every category of spending . I don't need nor want anymore "builders" at this point. If there is one more credit card that I want this year, it would be the Bank of America Customized Cash Rewards for their 3% Online Shopping. I'll consider it in about 6 or 7 months. I'll graduate my two secured U.S. Bank cards in about 14-15 months from now, so those will be 2023 goals. Other than that, smooth sailing until next year.
You really have a perfect lineup, comprising of all major banks lol. Oh why oh why did I cancel USB Cash+ Secured(like you 300) 😭
Three years ago, I had a couple of small secured cards and I might have had the Amazon Store Card at $1500 unsecured, not sure about exact dates but that was a major achievement around that time. Made my day that it was unsecured.
At this point, I have pretty much everything I need covered, plus some things I don't really need. I just downgraded my Delta card today from Delta Platinum, because it is just over two years old and I'm not really flying again post-covid so far. I will upgrade it back to at least Gold if I do start traveling again.
I am seriously considering downgrading my Amex Platinum for similar reasons. I do have the CAP statement credit. But still, not sure it adds up for me right now. It did last year with all of the covid statement credits they gave, but this year it's tougher to make the value add up. But I don't know ... undecided.
One of my goal cards has been the Chase Amazon Visa, which I recently got (and how - cannot believe and cannot fully explain the CL). I closed my Amazon Store Card.
It's been an amazing three years for me in terms of credit, starting with essentially blank credit reports with a few derogatory items. For 2022, I'm at a point of optimizing, probably closing as much as I open. I am interested in a Chase core card - might need to wait a month or two to get back under 5/24 - and a USAA card. Both more for the accomplishment than anything else, which probably isn't the best reason to open credit cards ... I'm wishy-washy on them.
