- Centurion Member
- Posts: 322
- Joined: Tue Oct 16, 2012 11:20 pm
- Location: Miami, Cuba
My mistake was making my ex-wife an authorized user on 3 of my cards. Had to enter into a debt payment plan if I wanted to pay them off sometime in this lifetime; however, all my cards were cancelled as a condition for entering the payment plan. Hopefully, they'll be paid off by August 2013.
Looking on the bright side, though, I learned a lot about credit and credit cards (as well as cash back cards) and realized that all my old cards were garbage anyway (except for my Blue Amex, which I upgraded to BCP last year). Still have a flawless payment history **Knocks on wood**.
As for the future, these are the cards I'm looking forward to getting (in alphabetical order):
Amex SimplyCash (even though it doesn't report to personal credit report...unless you default on it)
Chase Ink Cash (I like it because it reports to D&B)
Chase Sapphire Preferred (just for restaurants)
I like the Chase Amazon Visa because of 2x points on gas/groceries/pharmacies, but it's not part of Ultimate Rewards, so no way of transferring points from one card to another.
I'd love to add a charge card to my portfolio as well (for completeness sake, just to have something in the "Other" section of my credit report). I like the Amex Green (mostly for nostalgic reasons...my dad used to have one when I was a kid...plus it's the OG of all credit/charge cards!), even though the rewards are not very appealing at all (Chase Ink Bold might be a better choice?)
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)