1. Keep Azeo and < 10%
2. No Apps until 01/2020
3. Aquire mortgage
4. Some time in 2020 get my first Chase card ever.
500K in total revolving credit, plus 800 Fico scores across the board.
#1 is indeed gardening. (In an ideal world I'd garden until 2020 when I'm 0/24 and have Chase send me a pre-approved mailer and I'd write, "NO THANK YOU!" in bold red letters and mail it back. Of course I know they couldn't care less if I did that, but it would feel good to me...but alas that is NOT gonna happen...so goals are) :
#1 garden at least until October 2019 when only one of my HPs is scoreable and see what/if anything that does for my score. Can't seem to break the 700 mark right now. (Got a couple of baddies that will fall off in early 2019)
#2 STOP micromanaging my credit (and everything else in my life) and just use it naturally, no sub chasing, no multiple payments before statements cut, no AZEO since I'm not applying for anything major in the near future (I hope)
#3 Just paid Cap 1 QS1 af of $39 (they wouldn't waive or reduce it) so, keep the card around until Nov '19 and then try one last time to PC it, or get annual fee waived. If they won't do it then, just cancel it. I don't want to keep paying to have that card when it is mostly in the sock drawer. I only kept it this year because it is my oldest...but only by 4 months, and I just got a $1500 CLI on it making it my 3rd highest limit card. Also consider canceling USB since if I can't get any CLI on it. At $500 limit it is a pain to keep it below 8.8% or even 28.8% util and I only use it for the utilities and cell phone 5% cash back
#4 continue to keep in mind that just because I have more spending power (I just got credit cards in 2017-2018 after almost 10 years of not having them) doesn't mean I have more PAYING power. I did NOT get an increase in salary, so higher limits mean less concern about a minor emergency wiping out my savings, but does not mean I can shop willy nilly just because more money is available to me, that's how I got in a pickle years ago. Other than that I guess I want to eventually ditch that Avenue card that I got for no good reason at all and my credit union is offering an Elan backed card with a $200 SUB for spending $500 in 90 days, I may take that offer the next time it comes around. otherwise, back to #1 Garden, garden, garden (figuratively AND literally---the seed catalogs are out!)