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

Established Contributor

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

My #2 Goal for 2019, 2020,2021.... is to get back in with Amex!!
Not too far away from my #1 Goal which is....
To Get Back in with Amex!!
Have a Joyous and Wonderful Holidays my fellow myFICO citizens! Smiley Happy
BK7 dc in 01/2011 with FICO8 in the 500s




UTIL 1% - 3%
HPs EX 4 EQ 4 TU 2
AAoA 5y2m






$150K+ Total Limits
Message 11 of 71
Established Contributor

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

I’m not necessarily gardening this year, although waiting til late summer at least will be a goal since I’ll have several HPs hit the one-year mark by then and drop out of scoring.

Otherwise, it’s paying down my UTI as my wife’s illness and the addition on my house have driven it up quite a bit the last several months. Going to throw $1000/month at the cards and look to grow my Disco limit and my month-old AmEx relationship (and hopefully limits there as well). Finally, I’ll execute my Indigo card right before the AF is due to hit, as it’s only UTI padding at this point. Once I’ve done that, I’ll be sitting at 10-15% aggregate UTI and should hopefully be in the 680 range.
Rebuild commenced 5/2018

AmEx Delta Skymiles Gold | AmEx Hilton Honors | Discover IT | Target | VS | Home Depot | CapOne QuickSilver | Wayfair | Kohl’s | Indigo Plat (RIP 2/2019 before AF comes due)



Message 12 of 71
Established Contributor

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

#1 is actually gardening for me on the personal side. I think I got all I need. (I always say that)
#2 is to get 2 more business cards. Only got 1 so far.
#3 is to get CLIs wherever I can without HPs. However, the 1 I really want is definitely going to require a HP, but that's ok.
BofA | Barclays | Cap One | Chase | Citi | Discover | PenFed | Synchrony (Lowe's, Amazon & PayPal 2% MC) | US Bank
Message 13 of 71
Regular Contributor

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

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.

Message 14 of 71
Frequent Contributor

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

No more new credit cards as I have opened 11 this year alone lol.

And of course Pay off my BTs from Discover, Citi and Amex.

Also will PC my Venture to a QS in June. I will also PC my Citi AA to the Mile Up card in July. I’m considering moving my Hyatt CL to my Amazon Visa then close the Hyatt. That alone would leave me with only 3 cards with AFs (Amex Gold, Citi Premier, Amex SPG)

I may get another Citi AA for the bonus since my 24 months would be over in July but not likely. I still have 81k miles left on my account.

That about sums up my goals.
Amex Gold NPSL, Amex HH 1k, Amex SPG 1k, AMEX Everday 7k, BOA Cash Rewards 8.2k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Hyatt 7.4k, Chase Amazon Visa 13.5k, Discover 6.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 Venture 15k, Cap 1 Savor 10.5k, Citi DC 4.4k, Citi Advantage Platinum 7.5k, Citi Premiere 5.2k
Message 15 of 71
Established Contributor

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

500/800

 

500K in total revolving credit, plus 800 Fico scores across the board. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (12/05/2018): FICO 08 EXP: 721; TU: 754; EQ: 747
2018 Goal Score: 720 across the board


Take the myFICO Fitness Challenge
Message 16 of 71
Valued Contributor

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

My only goal is to pay off my remaining $50k on the mortgage without touching current savings/assets, it might take 2 years of ramen though.
Message 17 of 71
Regular Contributor

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

#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) Smiley Sad 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!) Smiley Very Happy




Goals: Gardening until November 2020; and FICO 8 Scores reach 750 TU/EX/EQ
Starting Score: 627
Current Score: 696
Goal Score: 750


Take the myFICO Fitness Challenge
Message 18 of 71
Valued Contributor

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

Thanks @ajc

Yep, sounds like a winner the Powerball thingy. What’s that saying—you got to play to win. Yeah right 😂🤣


EX 792, TU795, EQ 799
|| NFCU CashRewards $25K || AmX ED $25K || Discover IT $15.7K || Macy's $15K || AmX Magnate $11.5K || NFCU Platinum $7.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 19 of 71
Valued Contributor

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

Very impressive @jamesA. What’s your total revolving credit to date?


EX 792, TU795, EQ 799
|| NFCU CashRewards $25K || AmX ED $25K || Discover IT $15.7K || Macy's $15K || AmX Magnate $11.5K || NFCU Platinum $7.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 20 of 71