congrats to me i am done

Anonymous · ‎08-10-2015

i have gotten 5 cards this year and finally have all i need or want or can stand. so 10 cards and i have all my major categories covered overall and i can't even think of anything i want. maybe just refinance my vehicle soon and get a LOC sometime this year or next since i closed my $2k one out earlier in the year. woo!!!

Anonymous · ‎08-10-2015

How did you space the apps out? Which cards did you get?

Anonymous · ‎08-10-2015

this year i got amex ED (sucks for me) on 03/6/15, barclay card sallie mae 06/03-15, chase amazon (pointless) 06/03/15, amazon store card 06/03/15 and the discover it on 07/26/15

have others from before (5) but i am set!!! finally. discover double cash back really helped in this decision

Anonymous · ‎08-10-2015

Looks like you have a good hand and by all means save some money on those loans. Use your credit union memberships

Anonymous · ‎08-10-2015

yeah i am going to get approved through one of my credit unions first because after i safe half a percent after some points i earned through them it'll be at like 3.5% for my auto loan so after that is approved i will try to refinance with navy fed (they have me at 6.29%) so see if they can match the 3.5-4%

Anonymous · ‎08-10-2015

Grats on getting to where you want to be. I guess it's out to the garden for you!

Anonymous · ‎08-10-2015

well, not quite garden. according to gardening rules you can't apply for CLIs or my auto refinance or anything. so no thanks. just no more useless apping

UncleB · ‎08-12-2015

@Anonymous wrote:
i have gotten 5 cards this year and finally have all i need or want or can stand. so 10 cards and i have all my major categories covered overall and i can't even think of anything i want. maybe just refinance my vehicle soon and get aLOC sometime this year or next since i closed my $2k one out earlier in the year. woo!!!

Congratulations my friend!

I'm almost there myself, and it does indeed feel nice to have "all the bases covered".

Like you, I'm also not quite willing to 'officially' garden just yet; if something comes up in the next few months that will 'suit a purpose' I'll probably go for it. I have to keep things 'in line', though, since I plan to app for Sallie next summer when my last two COs drop off. Most of my 'good cards' have been added in the last 12 months, and I figure if I'll take the AAoA hit now and 'get it out of the way' moving forward... LOL

Good luck on the vehicle refi!

Anonymous · ‎08-12-2015

2011XTERROR wrote:
i have gotten 5 cards this year and finally have all i need or want or can stand. so 10 cards and i have all my major categories covered overall and i can't even think of anything i want. maybe just refinance my vehicle soon and get aLOC sometime this year or next since i closed my $2k one out earlier in the year. woo!!!

not to be a debbie downer here but I predict you making some changes. Unless you spend a TON of money, you are going to be torn between MR points and cash back at least for groceries....also the amazon PLCC plus the chase card doesnt make sense to me at all, but you can use this credit limit with chase later so that is great. Freedom and discover it are awesome though

Imperfectfuture · ‎08-12-2015

@Anonymous wrote:
well, not quite garden. according to gardening rules you can't apply for CLIs or my auto refinance or anything. so no thanks. just no more useless apping

SP cli's are gardening. It's just hard pulls aligned with a line of credit (cards, loans, LOCs) that reset garden date.

PS, you can close Amazon after thirty days non use, and move the limit to Freedom. I use mine for number of cards reporting 0 balance until get some 0% paid off.

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