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

Valued 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.


EX 792, TU795, EQ 799
|| NFCU CashRewards $25K || AmX $25K || Discover IT $15.7K || Macy's $15K || NFCU Platinum $7.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 1 of 71
70 REPLIES
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.

 

 

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 FU $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)
Message 2 of 71
Member

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
Message 3 of 71
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 71
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

Delta Reserve and CSP Jan 2018, no more 5/24 worries... unless new Chase Marriott/SPG replacement is enticing...meh, turns out not. [unless a 100k points SPG Luxury Upgrade appears... well lookie here...]
Message 5 of 71
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
Message 6 of 71
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 ;-)

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 FU $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)
Message 7 of 71
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
Message 8 of 71
New 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

Starting Score: 647
Current Score: 647
Goal Score:700

Take the myFICO Fitness Challenge


My Cards: Cap1 Plat (PC'd to QS) $8,250, SSFCU Power Cash Rewards WMC - $5,000, Discover It - $7,500, NFCU cashRewards - $3,000, BBVA Compass ClearPoints - $2,000

Goal: cashRewards CLI to $7,500 and then garden!
Message 9 of 71
New 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. 



TU FICO 8: 697 — EX FICO 8: 689 — EQ FICO 8: 677 Gardening (hopefully) until 12/19
Message 10 of 71