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What card(s) should be in my goals?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

Re: What card(s) should be in my goals?


@Standby wrote:
Correct about the Citi Dividend, you must PC to it.

Do you know how long it is before you can PC? Honestly it’s a good idea to get my foot in the door with Citi so maybe I’ll put a DC on my late 2020 radar (I want my BK gone before I gamble on Citi). 



Scores 1/2019:
Scores 4/2019:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 21 of 32
Established Contributor

Re: What card(s) should be in my goals?

Found the card for you !

 

Garden_Card.jpg

 

 

FNBO 2% Cashback Visa (20k) / Bank of the West Cashback MC (20k)
US-Bank Cash+ (15k) / FNBO Travel Elite (15k) / Citi Double Cash (18k)
Ficos : 835 / AAoA : 8 yrs / AoOA : 22 Yrs / AoYA : 2
Message 22 of 32
Frequent Contributor

Re: What card(s) should be in my goals?

That's what I call a keeper card 🎯

04.2019

03.2018

NFCU CLOC: $15,000
Message 23 of 32
Valued Contributor

Re: What card(s) should be in my goals?


@Kforce wrote:

Found the card for you !

 

Garden_Card.jpg

 

 


I am definitely on track to be one of the worst gardeners, I have to reset my seedling again if US Bank’s letters for checking and Cash+ are because they tried to pull Experian (didn’t realize they did EX in CO) and not because I burned them in 2010. I already reset it twice in December and once in January lol. 

 

But you spelled my name wrong so the card is invalid. 🤣 



Scores 1/2019:
Scores 4/2019:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 24 of 32
Established Contributor

Re: What card(s) should be in my goals?


@Saeren wrote:
But you spelled my name wrong so the card is invalid. 🤣 

 


Sorry Saeren;

Drinking and Photoline don't mix !!   Smiley Very Happy

Still drinking but it was "Photoline" not "Photoshop".

FNBO 2% Cashback Visa (20k) / Bank of the West Cashback MC (20k)
US-Bank Cash+ (15k) / FNBO Travel Elite (15k) / Citi Double Cash (18k)
Ficos : 835 / AAoA : 8 yrs / AoOA : 22 Yrs / AoYA : 2
Message 25 of 32
Valued Contributor

Re: What card(s) should be in my goals?


@Kforce wrote:

@Saeren wrote:
But you spelled my name wrong so the card is invalid. 🤣 

 


Sorry Saeren;

Drinking and Photoline don't mix !!   Smiley Very Happy

Still drinking but it was "Photoline" not "Photoshop".


Lol it’s all good, only a few people spell it right.

 

I actually will garden for awhile but if I get the encouragement of a letter saying that my denials with US Bank were not automatically done based on past relationship, as soon as I get my repo and 120 lates off my EX in April, I’m going to go for the Cash+. The most expensive bill I have is my Comcast bill which makes the Cash+ a no-brainer card. I may get the Nusenda and then the only thing left is a card from Citi and a card from Chase to get those relationships started. That’s a 2020 goal and unless 5/24 rules change in the meantime, I can get 4 cards in the middle and still get Chase in 12/2020.

 

1) Cash+

2) Nusenda (and I still need to really evaluate how much value I’ll get out of this card but for now it’s on the list)



Scores 1/2019:
Scores 4/2019:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 26 of 32
Established Contributor

Re: What card(s) should be in my goals?

USB-Cash+ has been a great card for me.

Recomed it when you can get back in with them.

 

FNBO 2% Cashback Visa (20k) / Bank of the West Cashback MC (20k)
US-Bank Cash+ (15k) / FNBO Travel Elite (15k) / Citi Double Cash (18k)
Ficos : 835 / AAoA : 8 yrs / AoOA : 22 Yrs / AoYA : 2
Message 27 of 32
Valued Contributor

Re: What card(s) should be in my goals?


@Kforce wrote:

USB-Cash+ has been a great card for me.

Recomed it when you can get back in with them.

 


It accomplishes two goals - get back in with US Bank and cut down how much I pay for Comcast so I’m definitely going to push for that one if I’m not blacklisted. If I am, I’ll just garden unless I come across another pick-your-category spend card that’s over 3%. 



Scores 1/2019:
Scores 4/2019:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 28 of 32
Regular Contributor

Re: What card(s) should be in my goals?

I forgot I had this little spreadsheet of the 5% category quarters lying around.

 

5% categories.PNG

Message 29 of 32
Valued Contributor

Re: What card(s) should be in my goals?


@Standby wrote:

I forgot I had this little spreadsheet of the 5% category quarters lying around.

 

5% categories.PNG


That Nusenda card would be a nice addition to my Disco. Does Nusenda code delivery and fast food as restaurants? 

 

I haven’t seen many DPs of people under 800 getting that card so I’m definitely not going to apply with a 662 EX but I might try when I get EE from EX and get that score over 700 in April if US Bank is off the table. I am also going to be going from AZE4 to AZEO on the 22nd and my highest utilization will go from 31% to 27% so I should see some upward score movement next month. I seem to lose about 6 points per card with a balance on average. 



Scores 1/2019:
Scores 4/2019:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 30 of 32