Basically reached all my goals

A place to discuss anything... except credit cards!
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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Sep 17, 2014 12:06 pm

djrez4 wrote:Almost entirely personal, with points earned through spend bonuses, MS, and optimized spend.

I don't have a national client base and I may never. My practice doesn't lend itself to travel, other than heading to a courthouse in another part of the state once in a while. I have one client in AZ for whom I do federal tax work, but I can do that remotely. She wants me to waive in to AZ next year. I may begin to travel down there at that time. Or, I could go pro hoc vice until then. Who knows!


FYI, 'vice' is feminine, so it's 'hac'.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


MB131174
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Postby MB131174 » Wed Sep 17, 2014 12:25 pm

Ready to garden myself. Will patiently wait for my October meeting invite.
stalk me
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djrez4
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Postby djrez4 » Wed Sep 17, 2014 12:46 pm

CarefulBuilder14 wrote:FYI, 'vice' is feminine, so it's 'hac'.


Grassy a$$. My Latin ain't great.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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onion
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Postby onion » Wed Sep 17, 2014 1:07 pm

CarefulBuilder14 wrote:FYI, 'vice' is feminine, so it's 'hac'.


So you've found the only use for a dead language, correcting people on the internet. :D
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Sep 17, 2014 1:17 pm

onion wrote:So you've found the only use for a dead language, correcting people on the internet. :D


Better me than an AZ judge!
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

popamode72
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Postby popamode72 » Wed Sep 17, 2014 5:25 pm

Slowly but surely, I'm meeting more and more of my goals and the last major one I've fulfilled was getting in with Chase not too long ago and being able to close my Wells Fargo card today.

Also I just need to keep focusing on college and making sure I'm not procrastinating too much or anything.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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PlyrStar93
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Postby PlyrStar93 » Wed Sep 17, 2014 9:11 pm

I would say I have reached my goals for 2014. I don't have any car loans, house loans and others, so in that part there is nothing for me to worry about.

What I did get is three new accounts within less than a half year, and my AAoA dropped significantly. I did benefit pretty much from opening new credit cards, and there is no one card I would categorize as useless.

I still shop around and see which card may have good rewards or so, and I will list that as potential cards I want. In the next year I can get CSP or whatever I want at that time, but for NOW there is really little appetite for me to get anything, even if Citi just came out with the new Double Cash and Chase sent CSP offer once.

I probably will change my mind and continue getting a new card within this year, but I don't see a time frame for that. For now I will refrain from apping anyways, so even afterwards I want a new card it would be beneficial when having higher score.

As of college this would be my final semester in undergraduate, so I should be focusing on apping for grad school rather than cards.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

MemberSince99
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Postby MemberSince99 » Thu Sep 18, 2014 6:37 am

My only true goal at the moment is to drop either Freedom or BofA. I haven't been using Freedom at all, and I'm as likely to ever get an auto CLI on it as I was on my Cap One cards back in the day, but since I don't use it, it doesn't really matter anyway, and they annoyed me with dropping the 10% dividend if you have checking with them. Even on 5% gas I never use it so that tells me what's the point of having it. Frankly if it was 10% I doubt I'd use it.


Then with BofA I personally haven't had issues but I hear some of their customer "service" is far less than stellar.


I just don't really use either card. A few years ago I dreamed, literally dreamed, of having either one, something with a limit like that, rewards and no annual fee. Now I have these two and don't even use them. All my swipes go to Amex and FNBO.


It truly would not hurt me to leave them open and put a small charge on them every once in a while to keep them active, but I truly don't use them.


Not sure what to do about it. I guess if either one annoys the hell out of me, I'll take that as a sign to just move on from whichever one it is.

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Vattené
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Postby Vattené » Thu Sep 18, 2014 2:29 pm

Hope you're enjoying home ownership so far, MemberSince99!

I started out 2014 wanting to get a prime card to earn rewards on my regular spending. I have truly loved the Discover card so far. By the end of the year, I want to get in with Amex for the backdating and to earn rewards I can use for travel. I will do it sooner or later before the year is up, but I am in no hurry. I am happy with Discover and just as content giving them my swipes for now.

I got into debt for the first time this May after buying a new car. Never thought I would buy a car brand new, but the loan is easy to manage, I got a good rate (1.9%), and replaced a hunk o' junk with a car I love. My goal there is to keep making payments above the minimum and eventually pay it off early.

My biggest goal credit-wise is to break an 800 FICO at some point. Granted, that is vague and I don't know in what time frame it would be reasonable, but that's what it is.

My wife could care less about playing the credit card rewards game, but I might have her apply for a Chase Freedom again next year. We tried early this year in an attempt to help her build her own credit, but she was denied (she has some baddies, the last of which should come off by the end of the year). I would probably only be interested if they do 2 quarters of gas again, though. This year, at least, when they didn't overlap with Discover they didn't interest me too much anyway.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

MemberSince99
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Postby MemberSince99 » Thu Sep 18, 2014 4:25 pm

I love my house. Ths is the way to go. It has felt like home to me since the minute I stepped into it on my own after I bought it. I'm going through everything getting it the way I want. It needed a lot of TLC, minor stuff really. The previous owner was kind of a neat freak on the one hand as he had every cleaner known to humanity (some I'd never even heard of) yet a slob on the other hand as I found tea bags in the sink. The sink was partially clogged from that so I had to bring in a plumber for that but that cost didn't kill me. I planed the door bottoms, replaced the blinds as they have gotten old and decripit, things like this. You know, stuff older homes will need. The big stuff is new so I can deal with this. So yeah I love it, beats renting by a LONG shot. I would have been a true fool to not do this.


You have come a long way very quickly congratulations to you! Discover has awesome customer service no question and some nice rewards too.


Freedom is awfully similar to Discover. In fact, I just remembered it's 5% on home improvement. I could have made use of that, but I guess I don't care, I feed the lenders I like. People may disagree and think I'm nuts for doing that vs whatever gives the highest return but I'm not playing the stock market here I'm using credit cards which I just don't view as a source of revenue (though I'll take the rewards I earn no question). Anyway, having the two of them could be a great combination as they have 1500 caps per quarter on the 5% categories!



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