@Aim_High wrote:
@Remedios wrote:... I applied for CFF a few weeks after this post because it had grocery offer and it was also grocery quarter, so lots of UR farming there. I also have OG Freedom, so being able to max quarter on two cards works well.
... This summer, ... I finally got CFU (gas offer).
Twas kinda anticlimactic, but I now have modified quadrifecta (Freedom, CFF, CFU, and CSR) 🤷♀️
Very interesting, @Remedios. And here I thought all along you were dedicated to US Bank and your 'precious' (Altitude Reserve) and didn't even know you still had a CSR! Are you shifting strategies here or playing on both sides of the fence?
Oh, they were raised together.
CSP appoved in December 2018, decided it wanted to be CSR when she grows up, so PC in December 2019.
AR was approved in June 2019, so in a way, they were always a couple.
They are BFFs because there is no competition, each one has it's purpose and stays in its lane.
Freedom, CFF and CFU are there just to feed the CSR, that one is a hungry, hungry 🦛.
I was just as excited about CSP as I was over AR, but AR is a little bit more special because of US Bank's hatred for new accounts.
Chase, even though there is 5/24, out of my 5 Chase cards, I was below 5/24 for a single app, rest happened via pre-approvals, and it took 3.5 years for 5 cards 🤷♀️
Us Bank, 4 cards in 3 years 🤷♀️
My goals for the rest of 2022 are much different than what I had initially planned, as I didn't think the Autograph would be as attractive an option as it is. I'm currently working on the SUB for that card and will PC my cashRewards to a More Rewards before the year's end. No more apps from me this year
@Anonymous wrote:
@Anonymous wrote:
@KJinNC wrote: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.3 years to 800...! I salute your patience and prudence!
It's all awry for me. 'Planned' it all wrong, in fact there was no plan lol, impulse applying in October and January(incurring tons of rejects), and applying for the wrong cards too?
Thought CO SO had sub, but tricked by Nerdwallet, there is no sub for just Good credit lol(CO website says 3 year history is a prerequisite aside from excellent scores), and I charged tons on that card this year since it had the biggest credit before Disco It approval on February(such as rental car; so it's 1% lol). I really overspent from December to March, and if I timed it right for those expenses to apply for CCs with good sub(and NOT applying so much in October, for example), it would've been terrific. But Disco It CB has no sub either lol(just 1st year 2x). Imagine if I applied for Delta Gold in the 1st quarter; would've satisfied 2k easily.
Now in retrenchment hence not so easy to satisfy those subs now. It should be prudent to apply after 6 months from Disco It CB approval, say August, but probably will still try Delta Gold next month for trip to Seoul(or not lol). Plenty of CB cards now, Citi DC/CFF/CO SO/Disco It CB, so from now on will concentrate on travel cards(applying not too often!). And also hoping for CLIs, especially for CFF and CO SO, Disco it too I guess(too early for now).
Still haven't apped, proud of myself 😅 no auto CLI though especially for CFF
Still no app, but yesterday got 3400 CLIs from C1, Disco and Citi(requested it). That leaves Chase 😑 Still hoping for auto CLI.
Seeing this thread pop back up also prompted me to do a near year-end evaluation of my original 2022 strategy!
Pay down CC Debt: I've decreased my credit card debt by 51% from where it started back in January! I won't make it all the way down by the end of the year, but having everything paid off by next summer is defintely possible if all goes well. This is the one I am most proud of. Finances over FICO always.
Become a standing member of the 800 club: *Almost* achieved. Although all three scores hit 800 in Q2, I'm not confident it will stick. I've taken out new loans in the last couple months that will surely cause quite the score drop when they report by the end of October. Those new loans were unanticipated to finance home projects, but I decided that better to take out loans at a low interest rate (thank you AmEx 5.98% preapproval) than pay with credit cards at ever increasing rates and carry cc balances for even longer. I want out of credit card debt, period. I'm not getting attached to those 800+ scores; my gut feeling is that I'll be back around 750 for the foreseeable future.
Get CLIs:
- Altitude GO: done
- Quicksilver: no dice
- AmEx: done
- Comenity UltaMate Rewards: unplanned, but done
- Plus a spur of the moment CLI on the Discover, which I didn't post to the forum
So, I've had a pretty decent year financially and stand to make a bit more progress by the end of the year, even with those unanticipated financial projects. I have a few ideas for 2023 that I'm mulling over, especially on what to do with that bucketed Quicksilver; looking forward to sharing more ideas when next year's thread opens 
@MySunrise271 wrote:I'm pleased with how my financial picture has improved and with the two new 2% CB cards I recently received, I'll go into 2022 with a solid 3-5 card cash back stable. Somewhere around August or September (an inquiry will be dropping off) I may look into the U.S. Bank products. They are local to me and I'm continuing to hear good things. I'll also be coming up on the end of my Amex BCP 1 year fee waiver so will have to evaluate if I'll want to downgrade.
Q4 Update
Wallet
- Grocery/streaming AMEX BCP
- Gas/Costco/dining Citi Costco
- Utilities/internet Elan MCP
- Drugsores Citi CC
- PayPal Chase FF
- Misc. Fidelity Rewards
- Enjoying my Amex BCP and the renewal fee was just $19.15😳 I was prepared to pay more as this is a longterm keeper card for me.
- The inquiry from Chase dropped off only to have another one added from joining a credit union, which I closed due to it not being the fit I expected. 😞
- I didn't add any new cards (other than PCd AMEX ED>EDP) but was excited to consolidated debt from 8 credit cards with a 60 month personal loan from PenFed ($35k@8.49%). Gladly accepted that hard inquiry ☺️
- Grew my TCL 27% with auto CLIs and SP requests--including the two new cards (Fidelity Rewards & FNBO) added at the end of 2021🎉 (I think I may be eligible for one more 3x CLI request with Amex EDP before the end of the year)🤔
- Activated 0% promotional offers for 6 months no fee, 12 months w/3% fee, and 14 months w/3%🙂
