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Why did you choose the cards you have?

Regular Contributor

Why did you choose the cards you have?

I have found that when rebuilding, making the right choice as to what credit card issuer can help get you back on track is key. For those with rebuilder cards right now, why did you choose them? Did you have a timeframe of how long you would keep them, or  a specific goal in mind for the card?


For myself - my 1st Cap 1 was to get credit after a BK. It started as a 300 card and moved to 500 after 6 months. I had never had cards with them prior, and my goal was to keep the card for 2 years or until I got my first semi-prime card(Barclays likely) late 2013, early 2014.

NFCU Visa (20K) ~ Comneity/Ikea (6K) ~ FNBO MLife MC (3K) ~ Dell (3K) ~ NFCU LOC (3K) ~ SYNCB Amazon Store (3K) ~ SYNCB Wal Mart (1K) ~ Amex PRG (NPSL) ~ Amex BCE (2K) ~ Amex Delta Gold (1K) ~ Amex HHonors (1K)
AAOA: 0 yrs 10 mos
Util Reporting: 55% as of 4/29/18
Inq: 3
Current FICO8 Scores (4/29/18): 682 TU 665 EXP 657 EQ
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