- Centurion Member
- Posts: 1157
- Joined: Sun Jan 26, 2014 3:55 am
- Location: US
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.
EX - 809 (11/16) | TU - 803 (11/16)
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