- Green Member
- Posts: 4
- Joined: Tue May 27, 2014 7:56 am
- Location: NJ
First time poster here. I've been lurking for a while and have learned a lot from all of you, but I do have some questions and some ideas I'd like to throw out there.
I'm 25 and my FICO is EX 768 - EQ 771 - TU 766.
Income is 50k
I have 4 credit cards from oldest to youngest
Capital One Quicksilver (upgraded from a platinum) - $2500
Best Buy Rewardzone Mastercard - $4300
Citi ThankYou Preferred - $5600
Fidelity Amex - $6000
My spend isn't too high, all cards are paid off, and I've never paid interest, and don't plan on doing so in the future. I don't travel much, so I think things like CSPs and Arrival+ are out.
My QS isn't a Visa Signature, but I've made a request to have it upgraded to one. Hopefully that comes through.
My TYP is kind of cool because I just got a balance transfer offer for 0% on the balance transfer and new purchases until 1Jun2015. Are there any better Citi cards to upgrade to? I was looking at the ThankYou Premier, but I'm not sure if I'd dedicate enough spend to it to make up for the AF. I mainly use the TYP as a food and gas card, and at any sketchy places because its chipped.
I guess the main questions are: should I sit tight and garden? And should I upgrade my Citicard to something else? I also have a car loan I'm paying off at 0% APR.
Thank you so much for any advice you could provide. I've been taught to take my credit seriously since before I had credit, but I feel I have a lot more to learn.