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.
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...
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.
First victim really should be me tsking my $5 back from Pendread and closing membership, take said $5 and play the Powerball
I'm going to ask for my $5 back as well. What a great idea ;-)
#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
#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.