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i want i want i want....

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crunching_numbers
Valued Contributor

Re: i want i want i want....


@afbar1114 wrote:

but i cant have perfect credit yet i just need to wait...it sucks i want a freedom and BCP and my wallet would feel complete 


Afbar, trust me...   Even with Freedom and BCP my wallet does not feel complete.  There is always that one elusive card you will want.  Smiley Frustrated

 

If it is not a new card it is a better rate. Or a graduation.  Or a CLI. 


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 11 of 41
LS2982
Mega Contributor

Re: i want i want i want....

+1



EQ FICO 548 3/3/16
Message 12 of 41
payingoffdebt001
Frequent Contributor

Re: i want i want i want....

Afbar you have been very succesfful at getting some new good credit recently.  BE GLAD in that and be patient for at least 6months. 

Message 13 of 41
afbar1114
Valued Contributor

Re: i want i want i want....


@payingoffdebt001 wrote:

Afbar you have been very succesfful at getting some new good credit recently.  BE GLAD in that and be patient for at least 6months. 


6 months is  a goal but 12 is my best goal which i am trying for my best

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 14 of 41
LS2982
Mega Contributor

Re: i want i want i want....


@afbar1114 wrote:

@payingoffdebt001 wrote:

Afbar you have been very succesfful at getting some new good credit recently.  BE GLAD in that and be patient for at least 6months. 


6 months is  a goal but 12 is my best goal which i am trying for my best


Good idea for 12, you can do it!!!!




EQ FICO 548 3/3/16
Message 15 of 41
afbar1114
Valued Contributor

Re: i want i want i want....


@LS2982 wrote:

@afbar1114 wrote:

@payingoffdebt001 wrote:

Afbar you have been very succesfful at getting some new good credit recently.  BE GLAD in that and be patient for at least 6months. 


6 months is  a goal but 12 is my best goal which i am trying for my best


Good idea for 12, you can do it!!!!


the way my credit is now i cant see me getting denied for a freedom in july it would just be a lower CL...thats the only thing why i am waiting... i think my eq score will be in 720's in six months.. i am waiting to pull my eq report in about a week when everything i paid to $0 should post and some that i paid in half i paid 4 cards to $0 two were paid half of the bal if not more. and 2 others are a bit high but overall utl is 20-22%

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 16 of 41
LS2982
Mega Contributor

Re: i want i want i want....


@afbar1114 wrote:

@LS2982 wrote:

@afbar1114 wrote:

@payingoffdebt001 wrote:

Afbar you have been very succesfful at getting some new good credit recently.  BE GLAD in that and be patient for at least 6months. 


6 months is  a goal but 12 is my best goal which i am trying for my best


Good idea for 12, you can do it!!!!


the way my credit is now i cant see me getting denied for a freedom in july it would just be a lower CL...thats the only thing why i am waiting... i think my eq score will be in 720's in six months.. i am waiting to pull my eq report in about a week when everything i paid to $0 should post and some that i paid in half i paid 4 cards to $0 two were paid half of the bal if not more. and 2 others are a bit high but overall utl is 20-22%


Set yourself up for the better CL!! Same as you, I could probably get it now but I want a good CL!!




EQ FICO 548 3/3/16
Message 17 of 41
afbar1114
Valued Contributor

Re: i want i want i want....


@LS2982 wrote:

@afbar1114 wrote:

@LS2982 wrote:

@afbar1114 wrote:

@payingoffdebt001 wrote:

Afbar you have been very succesfful at getting some new good credit recently.  BE GLAD in that and be patient for at least 6months. 


6 months is  a goal but 12 is my best goal which i am trying for my best


Good idea for 12, you can do it!!!!


the way my credit is now i cant see me getting denied for a freedom in july it would just be a lower CL...thats the only thing why i am waiting... i think my eq score will be in 720's in six months.. i am waiting to pull my eq report in about a week when everything i paid to $0 should post and some that i paid in half i paid 4 cards to $0 two were paid half of the bal if not more. and 2 others are a bit high but overall utl is 20-22%


Set yourself up for the better CL!! Same as you, I could probably get it now but I want a good CL!!


they only reason why i would want it before 12 months would be because of  my vacation in june and i can get rid of the pesky cap1's i have. i want the visa sig version tho 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 18 of 41
LS2982
Mega Contributor

Re: i want i want i want....


@afbar1114 wrote:

@LS2982 wrote:

@afbar1114 wrote:

@LS2982 wrote:

@afbar1114 wrote:

@payingoffdebt001 wrote:

Afbar you have been very succesfful at getting some new good credit recently.  BE GLAD in that and be patient for at least 6months. 


6 months is  a goal but 12 is my best goal which i am trying for my best


Good idea for 12, you can do it!!!!


the way my credit is now i cant see me getting denied for a freedom in july it would just be a lower CL...thats the only thing why i am waiting... i think my eq score will be in 720's in six months.. i am waiting to pull my eq report in about a week when everything i paid to $0 should post and some that i paid in half i paid 4 cards to $0 two were paid half of the bal if not more. and 2 others are a bit high but overall utl is 20-22%


Set yourself up for the better CL!! Same as you, I could probably get it now but I want a good CL!!


they only reason why i would want it before 12 months would be because of  my vacation in june and i can get rid of the pesky cap1's i have. i want the visa sig version tho 


Wait it out and you shall get!!




EQ FICO 548 3/3/16
Message 19 of 41
afbar1114
Valued Contributor

Re: i want i want i want....

yea i know... i will wait it out as long as i can i just hope they still have that $300 back for $500.. how can you beat that..

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 20 of 41
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