Thanks guys. I'm not sure how much I really have to contribute these days. But it is good to see friendly faces again and I hope life has been treating you well and you are finding success in whatever it is that is important to you.
I'm not so much of a fanatic about credit anymore, but old habits (like PIF multiple times a month) die hard and I simply can't bear to let balances post. I'd almost say it's OCD but it's better than being non-chalant about it.
I would like to say that if your credit is decent and utilization is low OCCU seems to give out pretty high limits (which is the main reason I applied for the Duck card). You guys should check it out, maybe it fits with what you want. One is rewards and the other doesn't have rewards but has a lower APR. I took the rewards one because it fit my profile in that I don't carry a balance (and thus don't care about APR) but would like the rewards. The APR on my Duck card is 11.99 I did not get the best rate but it's still my lowest, not that it's important to me.
I guess for me, the next possible card (last one) I would consider at this point is the BofA travel rewards card. The reasoning is that I should be able to get a decent limit on it where I already know that in the near term, BSP will not grow at all nor will CSP, though certainly over many years they could (but by then I could be dead too). 5k is a reasonable limit for a travel card in my view, 2k is not (for me personally). CSP also has an annual fee and I got he annual fee version of the Blue Sky card, and at this point the ONLY good the BSP is doing me is backdating - it's simply not a viable travel card if the limit will never grow. And with the annual fee, I will evaluate next year whether I feel it will ever grow with me, or I need to downgrade it to remove the annual fee but keep backdating or if it's just not worth bothering with. Since I already paid the fee and it's backdating, I'll keep it but, it will be subject to re-evaluation before the fee is due. Same with the CSP - it has an annual fee unlike the BofA card, so I will re-evaluate that card next year before the fee is due.
But the main reason for the BofA card would be the fact that BofA was generous with limits for me and I've never burned them, so I should be able to get at least 5k to start and build to 10 or 15k within a year or so. I likely will never see that on the CSP or Amex revolvers.
Anyway that's the thought. And yeah, I closed a BofA travel card this year that right about this time I'd be able to ask for a CLI on and probably get 10 to 15k. In my defense, admitting it was idiotic, I had just gotten CSP and back in with Amex and I didn't know those cards were not going to grow with me (at least anytime soon). I only want so many cards to deal with, as I found having 8 to 10 of them was just too much for me to handle. So, in hindsight I should have kept that card, but I didn't know I wouldn't be able to get CLIs from Amex and Chase. (Which is why I posted it here).
I did read on FICO that over time like 6 months to a year and VERY heavy spend, one guy on FICO in my boat was able to get a CLI from Amex, but it's always YMMV so just because one guy gets it doesn't mean I will - there are people who can't get back in with Amex 20 years after burning them it's always YMMV.
So my plan is to wait until the Duck card is on my reports, then app for the BofA card. Assuming I get that, that's all I want open for now, and it's frankly one more card than I want optimally to deal with in the long term (I want no more than 6 total cards).
That's the plan guys. Hopefully I can grow the Duck card up to say 20k or so over time, not planning to ask for any CLIs on the Associated that's already honestly more than I need.
Hope you folks are having a good weekend. By the way I did notice some people were stepping up answering questions that's cool, that's the only way this will grow. It's can't be all the Member show
That would be pretty crazy. One thing I am starting to find a little bit annoying on FICO as well as here is people asking others to judge their chances of getting a card. All we can do is point out the obvious (like DON'T app for an Amex with a recent BK on your report) - beyond that it's just a WAG seriously we can say we think you should be good but how would we know? All you can do is app and find out - that's the only conclusive answer. And besides I've seen on FICO where some dude would scream "stay in the garden don't app you'll screw up your whole life and then have to crank the Metallica while you hang yourself in your closet man!" and the guy applies and gets 10 or 15k. I mean don't listen to that if you want it, go for it - life is too short to live in fear, too afraid to go for what you want because some jack wagon thinks you should garden or live in fear. Be smart about it (in other words don't be like me) but go for what you really want in life. That applies to everything not just credit cards. Don't let some garden fanatic talk you into living for tomorrow until the day you die. You'll notice THEY have what 20 cards in their signature so they didn't get those cards from living to garden. Just saying....
As for more posts, we'll see I may not have much to say
But thanks guys good to see you again.