cancel
Showing results for 
Search instead for 
Did you mean: 

Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Highlighted
Community Leader
Senior Contributor

Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.

I will not redeem my cash back on any of my cards until 12/31/2019.

I will stop micromanaging my credit cards and enjoy using my excellent credit in ways that benefit me.

To make it into the 800 club and get in far enough so minor fluctuations won’t bump me out.

Moderator, please move if I’ve posted in the wrong forum. Thanks.
GOALS: Garden til DEC 2020 and 800 Club



Scores
JUN 2019: EX 788, TU 794, EQ 779
APR 2019: EX 787, TU 789, EQ 781
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnate $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 1 of 83
82 REPLIES 82
Regular Contributor

Re: Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.

HAHAHA Gardening is NOT #1 for me...

 

My 2019 goals are to get all my CC's over $10K (not store cards), cut the CC's that won't budget on my limit.

Ditch PenFed who in 9 years now has NEVER been good to me.

Try and PC my FU to a Freedom since i'll never been under LOL/24

Get a 2nd Disco Double cashback card.

 

 

April 2019 FICO EX 802, TU 790, EQ 804, Oct 2018 Fico'd EX 817, TU 811, EQ 798
June 2018 Fico's EX 830, TU 817, EQ 824
PenFed Power Cash Rewards $17K (Jan 2018), Discover IT $13.5k(Jan 2018), Capital One $7500 (Aug 2014), Chase Freedom (PC from FU Jan 2019) $4500 (Jan 2018), Sam's Club MC$10000 (Jan 2018), BBVA $25K (Apr 2018) ,WF Propel 15.5k(Jul 2018), USB Cash+ $14K(Jul 2018), Citi Best Buy Visa Platinum $8500(Sept 2018) Digital Federal Credit Union $15k (Nov 2018)

Campus USA CU Auto Loan 85k (Aug 2018) BBVA Compass Express Loan $15k (Nov 2018)
Rebuilder Cards: First Permier $1250 closed (6/11/18), FNBO $2100( Nov 2006)

AAoA 2.8 years UT 1%
Store Cards: HomeDepot $12000(May 1998), Saks $800(Oct 1978) Kohl's $2k (Nov 2018) AMZN Store Card $3K (Jan 2019) Target RedCard &2k (Apr 2019)
Message 2 of 83
Established Contributor

Re: Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.

No more new card
Pay off Amex BT
Ⳏroſile oſ ᥠ chԑap, ſreqⴑent ſlyԑr ✈⛽⛾ ⳎroⳎel ✈⛾ cs ⛾⬮ ᦑold ☎ Ⲙileⴑp
⛪ c∰ ┊ ▲G ┊ cſ ┊ iㅜ ┊ ↇᏨ ┊ q§ ⛎ Amzn V/A ┊ WF-V ⛪ Ɲĕхт: ▬ ēD ┊ ➕ citiPre
Message 3 of 83
Frequent Contributor

Re: Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.

I'm gardening for 12 months so no new credit for at least 6 more. I have all the cards I need (14/$168,000) so unless someone drops a new one with great benefits I'm out of the app game. I should be in 760-780 score range accross the board by summer and that is my ultimate goal...  

Message 4 of 83
Super Contributor

Re: Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.

If approved, work on my World of Hyatt spend, getting to both $6k and then $15k.

Decide whether to close/PC my second Citi AA Platinum

Keep under 5/24 just because that seems to be a popular gate now with multiple lenders.

March 2019 a slot opens up. Perhaps a Cap One card, Savor most likely for the SUB and then long term PC my existing QS to Savor One.

Sept 2019 another slot opens up.

 

Utilize some of my airline miles, hotel points, and cash-back savings funds to travel a little and enjoy the perks from the cards.

 

Keep an eye out for AMEX Platinum 100k MR offer.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 5 of 83
Community Leader
Super Contributor

Re: Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.

Good luck CreditInspiredSmiley Happy

Being that credit scores are meaningless for me, i could have 800's and still get rejected, i know what i want to do but not sure if i can stick to it. Id love to 1st make it to Dec with a, my job, b, no hurricanes, c , no apps or hps. I do want to cut back but need to either find my courage or have one of my bad days when i dapp, depressed apping ,where i just say screw it and start canceling without regards lol.

First victim really should be me tsking my $5 back from Pendread and closing membership, take said $5 and play the PowerballSmiley Happy
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 6 of 83
Regular Contributor

Re: Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.


@AverageJoesCredit wrote:
First victim really should be me tsking my $5 back from Pendread and closing membership, take said $5 and play the PowerballSmiley Happy

YES!!!!

I'm going to ask for my $5 back as well. What a great idea ;-)

April 2019 FICO EX 802, TU 790, EQ 804, Oct 2018 Fico'd EX 817, TU 811, EQ 798
June 2018 Fico's EX 830, TU 817, EQ 824
PenFed Power Cash Rewards $17K (Jan 2018), Discover IT $13.5k(Jan 2018), Capital One $7500 (Aug 2014), Chase Freedom (PC from FU Jan 2019) $4500 (Jan 2018), Sam's Club MC$10000 (Jan 2018), BBVA $25K (Apr 2018) ,WF Propel 15.5k(Jul 2018), USB Cash+ $14K(Jul 2018), Citi Best Buy Visa Platinum $8500(Sept 2018) Digital Federal Credit Union $15k (Nov 2018)

Campus USA CU Auto Loan 85k (Aug 2018) BBVA Compass Express Loan $15k (Nov 2018)
Rebuilder Cards: First Permier $1250 closed (6/11/18), FNBO $2100( Nov 2006)

AAoA 2.8 years UT 1%
Store Cards: HomeDepot $12000(May 1998), Saks $800(Oct 1978) Kohl's $2k (Nov 2018) AMZN Store Card $3K (Jan 2019) Target RedCard &2k (Apr 2019)
Message 7 of 83
Community Leader
Super Contributor

Re: Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.

Lol lpavelchak0204, if youve been a member 9 years, you are a brave soulSmiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 8 of 83
Senior Contributor

Re: Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.

#1 Get NFCU limit up to 6-9K. 

 

#2 Garden and let those scores hit 700. Stop micromanaging every little thing and just relax. 

 

#2 is not easy for someone like me so we will see hahaha Smiley Very Happy


Scores 1/2019:
Scores 6/2019:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 9 of 83
Regular Contributor

Re: Short & Sweet. What’s your #2 2019 credit card goal? Let’s assume gardening is #1.

#1 Goal is to garden until such a time that the few cards I have left on my wishlist are within reach.

#2 Bust 740 accross all 3 bureaus

#3 Increase the limits on my cards with smaller limits

#4 Possibly close my Capital One Quicksilver card. I'm on the fence about it but it's only my oldest card by 1 month and if at the 1 year mark I don't get a decent increase on it why bother keeping it around? I'm pretty sure it's bucketed so I'm not holding out much hope for it and it's already practically useless to me. 

Personal:
Business:
Gardening (hopefully) until 12/19
Message 10 of 83