Where to go from here?

[Anonymous]

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@wa3more wrote:

What is the OP trying to accomplish here  ?

The OP has 10 cards already, I'm not sure what the end goal is.

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Read post 12, like the second and third paragraphs. 

To to explain my current cards, Discover It, Barclays and Cap 1 are the primary current cards. Others are basically rebuilders which also pad credit limit to help with utilization until I can grow the primary cards credit limits. 

if that doesn't answer your question, basically the point of it all, what I'm asking for is advice on what other cards to obtain that might be better than my current primary cards ONCE my scores rise and settle out. Maybe my current primary cards are fine. I'm asking for comparisons and suggestions for better ones if they do exist. 

[Anonymous]

Seconding the Chase AARP rec (3% on restaurants) and the advice that since many travel cards are 2x points on dining, they can be worth looking at even if you don't make a lot of travel purchases.

Though with travel cards (at least when it comes to points-earning value rather than fringe benefits like lounge access, etc.) I would say that the main question isn't necessarily what kind of travel you currently do, but rather where you *want* to travel and how/if those points could be useful to you in facilitating that.

Personally, I'd wait to apply for any new cards until you have the revolving balance eliminated (unless you're intentionally carrying some under a 0% offer).

[Anonymous]

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@Anonymous wrote:

Seconding the Chase AARP rec (3% on restaurants) and the advice that since many travel cards are 2x points on dining, they can be worth looking at even if you don't make a lot of travel purchases.

Though with travel cards (at least when it comes to points-earning value rather than fringe benefits like lounge access, etc.) I would say that the main question isn't necessarily what kind of travel you currently do, but rather where you *want* to travel and how/if those points could be useful to you in facilitating that.

Personally, I'd wait to apply for any new cards until you have the revolving balance eliminated (unless you're intentionally carrying some under a 0% offer).

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Thanks. I dont plan on applying for something new until my scores are over 700 and based on the simulator, that would be at a point where my utilization is such that the revolvers are paid off or extremely small balances. So, right now I am just focusing on paying them down. Doing that will take care of everything else-scores increase, chances at CLI's on current cards increase, attractivness to other premium type cards increases as well.