@Revelate wrote:For my own credit plan, it's decidedly fluid at this point as I'm in a holding pattern until mortgage closes.
Near term goal: Get a 20k line doesn't really matter as long as major lender in my opinion so:
1) Post mortgage, go down to the local branch and take my CSP preapproval. Want this card anyway.
2) If not 20K+, take a flier on an Amex 3X CLI which I expect won't work but stranger things have happened and my EX FICO 8 scores are in a good place right now.
3) If neither of those produce the desired result, go apply for a Venture again looking for a 20K line.
4) If that doesn't work (seriously, **bleep** at this point) open up either a QS or VentureOne with the goal of consolidating the limits in 6 months.
After that it's kind of up in the air, my goals beyond that which I'll do quite possibly right after that tour:
5) Establish a PLOC, likely with Penfed, may wait if I have to go the 2X Cap 1 route. Or at least ask, I'm pretty clean other than a slew of mortgage inquiries.
6) Pickup a baby SDFCU secured card for some dumbass FICO testing, costs me next to nothing, really can't materially affect my AAOA anyway
7) See if DCU will convert my secured card to unsecured, read that it's been done before, maybe it can be for me too.
8) Close Walmart, though I'll likely let my reports settle just to get a clean datapoint there for kicking my lone store card to the curb.
9) Establish my SSFCU account since apparently I qualify for it through my dad, go go Austin TX residence. Future second LOC target or similar but I really just want a TU pulling CU in my portfolio. They do have the sweet restaurant card but that spend will be used to push my UR generation forward with the CSP.
Then it's sit on my hands for a year to obtain the second goal: see about picking up one or a pair of 20K CU lowish APR lines from the usual suspects like NASA or similar just in case I need to float a balance in the future. Old paid collection will be gone by that point and AAOA will have long since crossed 3 years by that point even with a slew of new accounts.
And my JCB Makurai unicorn
. Might take the flier application now, it's a long slow grind to get the CL up though.
After that I'm pretty much done other than CLI requests or maybe an additional Chase travel card someday, or leaving myself in a position to jump on future lender products.
Sounds like you have a lot of work to do and patience.....lots of waiting. Regarding venture, I read that if you downgrade to venture 1, you will be eligible for the promo to spend $1k and get 20k points.
regarding the fence advice, my wife just ordered her venture and between hers mine, that's $800 worth of lowes gift cards to use towards the fence.
@Anonymous wrote:I'm gardening right now at the moment and I'm going to chill for the rest of this year at least. My plan is to pay down my CC debts as my 0% is expiring on the 3rd of Dec this year. I've been pretty stressed out past few months due to these bills and I'm working hard at it to pay them down.
Chase
CSP: 4900
Slate: 3700
Freesom: 3500
Citi
AAdvantage World Elite MC: 4900
QS1: 1500
Discove: 1000
Merrick: 2000
Walmart: 700
according to my Fico simulator if I pay down and on time for the next 12 months I will reach 800+ scores all across. It's my goal for 2015 & 2016 I gotta get these down so I can buy my dream house.
Yeah, definitely got to pay those down. Do you use a budget? I use excel since 2005. Incoming $$ - bikes = how much I have to spend after bills.