@Girlzilla88 wrote:@Anonymous Here is some food for thought for you, you can open a couple cards for different uses since you have 1 main one, you can open (down the road) one for maybe Medical use and one for maybe Mechanical or Home Improvement or something whatever you think will aid you more in the long haul. And then start building those three here is an example on Chase for instance they had a LOT of customers that used lower amounts like a couple hundred on 25k limits etc and they knocked it down to 10k some below that even. But in some cases a call back to have it placed back to the original limit but that is up to them so just food for thought another known for CLD or closures is Synchrony.
Me I started thinking 3 would be enough, but then once I got the hang of it and learn more and more and more I have 4 or 5 I am shooting for soon before/around my next big purchase next year XD In the words of the great Jim Carrey "Somebody Stop ME" XD
I hear ya on that thought process. I'm going to try to keeping it super simple right now, maybe get the BOA cash rewards or BCE and see how juggling 2 cards goes. If its not too stressful with keeping track of that (and everything else in my plate), then possibly open up a third.
I have 1 CC, 2 student loans, and car lease right now (actually, I realized I have an Cap One card my mom decided to open a while back, to help me..but she didn't ask. She'll spend $5 on it and pay it. She meant well, but yeah..not something I'm happy about but it's after the fact. I wonder if that reports as zero every month or is messing anything up..hmm).
Alternatively, maybe I can apply for both BOA cash rewards & BCE at once, not sure which bureaus they pull from (if the same one, I assume I apply on the same day so only 1 hard pull?).
Ps- for some reason I can't give your posts kudos! Not sure why :/
@Anonymous wrote:
@Girlzilla88 wrote:@Anonymous Here is some food for thought for you, you can open a couple cards for different uses since you have 1 main one, you can open (down the road) one for maybe Medical use and one for maybe Mechanical or Home Improvement or something whatever you think will aid you more in the long haul. And then start building those three here is an example on Chase for instance they had a LOT of customers that used lower amounts like a couple hundred on 25k limits etc and they knocked it down to 10k some below that even. But in some cases a call back to have it placed back to the original limit but that is up to them so just food for thought another known for CLD or closures is Synchrony.
I hear ya on that thought process. I'm going to try to keeping it super simple right now, maybe get the BOA cash rewards or BCE and see how juggling 2 cards goes. If its not too stressful with keeping track of that (and everything else in my plate), then possibly open up a third.
I have 1 CC, 2 student loans, and car lease right now (actually, I realized I have an Cap One card my mom decided to open a while back, to help me..but she didn't ask. She'll spend $5 on it and pay it. She meant well, but yeah..not something I'm happy about but it's after the fact. I wonder if that reports as zero every month or is messing anything up..hmm).
Alternatively, maybe I can apply for both BOA cash rewards & BCE at once, not sure which bureaus they pull from (if the same one, I assume I apply on the same day so only 1 hard pull?).
Ps- for some reason I can't give your posts kudos! Not sure why :/
I would personally go for BOA cash rewards your already preselceted with a set APR. BOA and AMEX both pull from EX. BOA cash rewards is an excellent card.
If you're looking for a card to use at Costco, BoA Rewards is a good card as it gives 2% at wholesale clubs and it's Visa. My file was pretty thin when I was approved for my BoA AAA Rewards Visa (which also gives 2% at wholesale clubs), so I'm thinking you have a good chance with BoA.
While on the topic, your scores are optimized by having at least 3 bank credit cards. Discover counts as one, BoA would bring you to two so you might consider one more in your line up. Amex BCE or Cash Magnet would be a great choice as well.
If you want to jump through the hoops to join a credit union, look up the thread on AOD's 3% back Visa. They seem to be mostly sensitive to debt ratio, which you sound like you have no issues with. Having 2 years of history with Discover may be enough to get you in the door with them and you'd have a flat 3% cash back on *everything*.
@ChargedUp Ty. I need to use as little brainspace for keeping track of CCs right, as I can (while still being responsible about using them and slowly building credit).
I'm not sure if I have the energy or headspace to jump through hoops witha credit union right now, but I'll definitely keep it in mind for the future, for 3% back.
I wonder if any USAA cards are good? I've had car insurance with them for a few yrs and a tiiiinnnnyyy (25 bucks) savings account (and if USAA has good ones, and I qualify- does that mean I can one of the Navy cards? Totally clueless).