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Credit card applications 2014.

Valued Member

Re: Credit card applications 2014.

I'll apply CSP in March, and probably the new wellsfargo propel 365 card
Message 11 of 31

Re: Credit card applications 2014.

Have the whole mortgage thing I either need to do or just give up on; beyond that, not sure, the more I think about it I may start working on my business credit just in case I ever need it for the future and the Ink Cash is an excellent fit.  


Beyond that if I don't go through with that, will wind up picking up either a 2% restaurant card from Amex (and I probably need to start shopping at places like Costco anyway admittedly as soon as the mortgage lands), or maybe Chase, or perhaps just do a 2% card vis a vis the Fidelity Amex or see if I can slide into a JCB Makurai living in Cali.


Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)

Take the myFICO Fitness Challenge
Message 12 of 31
Frequent Contributor

Re: Credit card applications 2014.

PRG if there is a good offer and for backdating...also considering Citi TYP.

Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 13 of 31

Re: Credit card applications 2014.

Planned apps:


January: Cash+

July/August: BCE


Also in the pipeline, timing TBD: Penfed Travel Rewards AMEX (sooner if I can reallocate some existing Platinum Rewards CL and get the account without the HP - or maybe I'll just go for it), Discover IT / Freedom

Message 14 of 31
Established Member

Re: Credit card applications 2014.

I might try for the Target card or the Navy Federal credit card. I want to wait until Summer 2014 to run another inquiry.



Starting Score: TU-488/EQ-307/EX-467
CapitalOne Platinum - $300

Operation CleanUp: No inquires for 1 year/Obtain secured CC in December 2015

Message 15 of 31
Valued Contributor

Re: Credit card applications 2014.

If the Chase Slate offers remain intact, I want to transfer my original chase slate (800.00 CL) over to freedom (4k CL ) .. close the slate, continue to work on Paying down Freedom to <10%... Open a Navcheck 15k (if i can qualify), pay off one Vehicle loan (2500 left to pay on this one), and then in November 2014 reapp for another Slate, Or another 0% BT card with no BT fees.   This is only the plan if i am unable to pay the freedom down to < 10 %.  I have 3 of 10 baddies falling off in 2014, and 6 more falling off in 2015, If i can't get them GW sooner. 

OFFICIAL GARDEN START DATE: 10-05-2014... TARGET GARDEN END DATE: 06-01-2016 Lets Git 'r' dun
Message 16 of 31
Valued Member

Re: Credit card applications 2014.

I am supposed to close on my mortgage on 12/27! After that, I think I'm going to app for the Duck Visa. In 2014, I would really like the CSP and a Delta AMEX. My BK7 was discharged 5/2009. It's probably still too soon for AMEX.

NavCheck $12000. NFCU CashRewards Visa $12000. NFCU Flagship Visa $12000. Cap 1 Cash Reward MC $3500. Barclays Carnival MC $2000. Cap 1 QuickSilver MC $1750. Cap 1 Platinum MC $1200. HH Gregg $2500. CFNA Firestone $2200. CareCredit $800. Buckle $1250. Victoria Secret $1040. NY&Co $900. Bealls $700. KayJewelers $1500. Kohls $500. Walmart $2000. Gap $1000. American Eagle $500. JCrew $650
Starting Score:TU: 672 EQ: 593 EX: 592 (Lender Pulled 5/20/2013) BK7 – 5/2009
Current Score:TU: 746 EQ: 707 EX: 691 (Lender Pulled 12/18/2013)
Goal Score: 700 across the board (for now)

Message 17 of 31
New Contributor

Re: Credit card applications 2014.

I won't apply for anything new (just got three new cards this month), but I'd like to do a PC from Chase Sapphire to CSP at some point.  I'm also hoping to do a PC from Amex Blue to BCE (hopefully by the end of 2014) and then eventually do a PC from BCE to BCP - that's all going to take some time, though.  The main thing I have in the works in 2014 is my first mortgage in July or August... gotta stay HP-free until then!  I will also try to seek every SP-only CLI possible.


Happy Thanksgiving!

Chase Sapphire Preferred $25,000 | Bank of America Cash Rewards Visa Signature $30,000 | Amex BCE $17,000 | Discover More Cash Rewards $7900 | Chase Amazon Rewards $6600 | Capital One Quicksilver $2000 | CareCredit $11,000 | Macy's $4200 | Victoria's Secret $5100 | New York and Company $3100
Message 18 of 31
Valued Contributor

Re: Credit card applications 2014.

I have been thinking about the Harley-Davidson Sig card for a couple of years now, so I "might" apply for that in '14.  I haven't applied for anything since 2011.

TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 42k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Message 19 of 31
Frequent Contributor

Re: Credit card applications 2014.

Waiting on a new card to come out from somebody!  Smiley Surprised

CL $317,649
Message 20 of 31