I added nothing this year. Nada!!! That was my goal and I did it.
I'm not even going to try and remember the specifics. lol
I've added 12 cards this year, not all are in my signature. And closed a Chase Hyatt, Amex Delta Gold and a Paypal Mastercard. Also product changed my Citi AAdvantage to the Citi Dividend. Aswell as product changed a BCP to a BCE earlier in the year. Been a slow year for me as I have averaged around 15 new cards a year since getting into this credit game over 3 and a half years ago.
I'm pretty sure, I'll add and close some more next year 
.Scores are still good. Most important for me, my credit profile is solid.
My goal was to build payment/credit history with as many financial institutions as I could handle. I'm north of 20 different lenders now.
@pinkandgrey wrote:
@Gmoney144 wrote:
@pinkandgrey wrote:I’ve canceled a few recently—Walmart, Amazon, and Uber. Notable acquisitions are a US Bank Cash Plus and a Citi DC.
May I ask what your stats were when you got the Ducks Unlimited card? I really want that one
I’m not sure which CRA was pulled. My fico ranges from 709-740. I was denied 2 months ago when my score was in the mid 600s.
Thanks! How many Inqs? My scores are fairly close to yours but plenty of inqs recently...My inquiries range from 9-23 ....I was able to delete 14 from equifax .....
Well, had over 30 cards which includes both personal and business coming into 2018.
This was a very unexpectedly active year for me. he he... these forums are a real bad influence 
This year aquired: Amex Simply Cash $18.9k SL
Amex Cash Magnet $4k SL
Amex HH Business $3k SL
Chase Marriot Business $5k SL
Commerece Bank STC $13K SL
5/3 Bank SUTC $6.5K SL
Hunnington Voice X2 $8K SL
Wells Fargo Propel $3.5k SL
Home Depot Commercial $4.9k SL
State Farm Visa $6.9k SL
PayPal 2% Mastercard $6k SL
TD Aeroplan Visa $1.5k SL 
(churner and burner no doubt)
Alliant Rewards Visa $15k SL
Made several attempts at gardening and it just never materialized. Biggest accomplish for me this year was actually getting NFCU to combine 2 cards for me into one massive limit. Even with all I have obtained, moving forward I see no need to carry some of these cards. Already have met bonuses on everything applied for this year. Goals next year will be to continue to drop utilization and eventually close:
Cap One Quicksilver $13.6k (26.49) APR
CiTi DC $26.5k (23.49) Apr
Blispay $5k (being proactive, avoiding the inevitable)
BOA Cashrewards $34k (closing and combinig it with my Merrill Lynch) *might try to add one of thier business tradlines*)
Will eventually take my overall credit below $500k as all these above things fall into play. In the garden until 2020 when all final negatives fall off. Even with multiple apps this year my scores never really took major hits. Will continue to go after sp cli's from major lenders once I feel my lineup is right where I want it to be. 700's across the board if good enough for me.
I basically gardened all year up until this past Sunday. On Sunday, in order to accept my first ever Penfed offer after the score updates, I had to get a newer card because I was told my cash rewards card was being phased out and I couldn't put any increases on it. So, as of today, this card is closed, and on Sunday I switched to the Promise Visa and combined the limits.
Also on Sunday, I consolidated my Citi Thank You card into my Double Cash. I had to leave $2k on the T.Y. and then closed it.
That's my only action for this year with any thing new on Credit Cards. And only the one HP related to credit cards was it took a HP to consolidate those Citi cards, as it is considered a CLI.
Also on Sunday, I consolidated my Citi Thank You card into my Double Cash. I had to leave $2k on the T.Y. and then closed it.
That's my only action for this year with any thing new on Credit Cards. And only the one HP related to credit cards was it took a HP to consolidate those Citi cards, as it is considered a CLI.
