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Not a bad year... started off strong and been in the garden since Feb!!
Amazon Store Card - $10k
BoA Alaska Airlines - $5k
Capital One Venture - $5k
Chase Sapphire Preferred- $5k
Citi AAdvantage Plat - $4k
Lowe's Store Card - $17k
PayPal Extras MC - $4k
I only had one card before this year and that was the My Best Buy MasterCard. Now I have nine total.
$3500 - Capital One Quicksilver Visa
$3000 - Barclaycard Ring MasterCard
$2500 - BankAmericard Better Balance Rewards Visa
$2500 - Citi Double Cash World Elite MasterCard
$2200 - Synchrony Amazon Prime Store Card
$2000 - Chase Amazon.com Rewards Visa
$2000 - Citi My Best Buy Visa Signature
$950 - Comenity GameStop PowerUp Rewards Credit Card
$500 -TD Bank Target REDcard
I'm going to keep the top four and close the bottom five soon.
2015 has been a huge year for me credit-wise... I've not been approved for this many cards in a single year since "back in the day" when I was first starting out!
$7000 - Capital One Quicksilver Visa Signature
$1000 - American Express BCP
NPSL - American Express Green (Yeah, I know... it will be closed when the AF hits)
$6000 - Discover It
$8000 - Care Credit
$4850 - Sam's Club MasterCard
$15300 - NFCU Platinum MasterCard
I've also received some healthy CLIs on Lowe's, Belk, USAA Visa and my QS1 MasterCard as well, the latest of which was last night.
I actually thought this was an 'over-the-top' number of new accounts until I started to read this thread... some of you guys make me look like an amateur!
The 'thing' with me right now is inquiries; I've got four on TU, four on EQ and three on EX... I know there are folks around with a bit more, but I feel that it would be pressing my luck to add more accounts at this time, so I'm 'taking a break' for the moment. I don't want to call myself 'gardening' - you could say I'm afraid of commitment, LOL - but I'm effectively doing so at the moment.
3.
DCU
PRG
MB Amex
Just 2 cards.
UncleB u have had a great year indeed! Glad to see your sams MC got a nice CLI. I must have missed that!
Yeah inquiries are the devil. Mine are super out of control right now. 25 is crazy. But its to the point where they arent really messing with my scores. I kinda doubted that at first but there is quite a bit of truth to that.
You should add some AUs to your green card and register them on separate accounts for amex offers. There have been some fairly decent ones lately!
Ummm add 1 more.. Not sure if it counts since it is a business TL, that won't show on personal credit.. SimplyCash... Wanted a hidden TL that won't impact my AAoA and Amex loves me for now. Had an Experian inquiry to spare as well. That is all
@Anonymous wrote:UncleB u have had a great year indeed! Glad to see your sams MC got a nice CLI. I must have missed that!
Yeah inquiries are the devil. Mine are super out of control right now. 25 is crazy. But its to the point where they arent really messing with my scores. I kinda doubted that at first but there is quite a bit of truth to that.
You should add some AUs to your green card and register them on separate accounts for amex offers. There have been some fairly decent ones lately!
Thanks!
Yeah, Sam's Club MC gave me an auto-CLI last month (went from $1500 to $4850). I might could do a little better with Credit Solutions, but honestly I'm content with that. I've been consistently putting $1k-$1200 on it each month (and PIF) so eventually they might give me a little more, but it's quite usable where it is now. I really just wanted enough that I could get some tires on it (on 0% promo) without cramping my usual spending, and now I have that.
I'm letting my inquiries serve as a 'governor' on my applications... if something really awesome were to come out, I think I would still be OK, but too many more and that would likely become the reason to be declined. I also have one 'baddie' left that will drop off next fall... so the countdown for a 'pristine' file has begun!
Thanks for the suggestion on adding an AU on the Green... unlike the PRG (and BCP) the Green charges an AF for the AU card, so that would put me even further in the hole, so to speak. I've taken advantage of a few offers since the summer ($40), so if I were able to consistently do that at least I would have the AF down to where it was when I had my Green back in the 90s, but when I start doing more work than my card does I have to reassess the situation. When I had my Green the last time it was always my go-to because my other cards stayed maxed-out; that's not the case now so its utility is questionable at best. It's a good feeling knowing that at the register, any card I take out will be approved.
I started this year with 1 secured CC from WF - that is now unsecured
Now I have:
Home Depot - $6000
Discover IT - $6000
Kroger 1-2-3 Rewards - $3000
Amex BCP - $2500
Barclay UPromise - $4000
Cap1 QS - $5000 (in mail)
All since 7/30 (in order)
Capital One Playstation Visa $1000
Discover IT Chrome $1400
Barclays Apple Rewards Visa $2000
Barclays Rewards Mastercard $2500
J Crew $450 (Shopping Cart Regret)
Motorola $750 (Shopping Cart Regret)
Capital One Venture Visa $10,000
Capital One VentureOne Visa $5000
Amex Everyday $1000
Amex Premier Rewards Gold $NPSL
Comenity Virgin America Premium Visa $2300
I finally closed my First Premier account last month. Feels good man.