It's starting to pay off.

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
9 posts
haikuginger
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It's starting to pay off.

Postby haikuginger » Tue Feb 19, 2013 8:04 pm

Well, a year ago, I posted this thread to see how I was doing. At the time, I had a $500 Zync, a $300 CapOne, $1500 on Discover, and a $3000 Citi Simplicity.

My usage model paid off. I apped a bunch of cards last month to help pay for my upcoming honeymoon (again, not necessary, but I'm all for building credit!). Here's what I have:

$500 Amex Zync
$300 Capital One
$3000 Citi Simplicity
$1900 Discover It (automatic CLI from $1500, and a requested product change)

New cards:
$1500 Bank Americard Travel Rewards (got it for the introductory offer, and no foreign transaction fees)
$4000 Citi Diamond Preferred (18 months no interest, 11.99% thereafter)
$5000 Chase Freedom (18 months no interest, 5% cashback rotating)
$6000 Chase Slate (18 months no interest)
$8900 Chase Marriott Preferred (Visa Signature, 70,000 points signup bonus, which will help with the honeymoon. Also, it's metal and feels wonderful to hold.)

This is what I have after a couple years of active credit building, starting at a CK of 630 two years ago, to a high point of a 770 FICO on one of my recent acceptance letters (back down to 730 after all those inquiries and new accounts).

I did it, and you can, too.

Keep gardening.


plc44
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Location: Houston, TX

Postby plc44 » Wed Feb 20, 2013 2:00 pm

Nice!

I guess I'm kind of on the same model you were a year ago. I have the 3 cards that I want, (Chase, AmEx, Discover) and now I'm laying low and just keeping utilization low (paying down balances before the statement date) and I'll see where I'm at at the beginning of 2014.
Discover More - $1000 (07/12)
Chase Freedom - $1000 (02/13)
American Express SPG - $2000 (08/13)
American Express Green Card - NPSL (12/12)

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Calipso
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Postby Calipso » Wed Feb 20, 2013 3:22 pm

Nice credit lines. Shame you got the Citi Diamond Preferred card. Not to rain on your parade, but the card is useless IMO. I'm only keeping mine due to the no AF.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

marzbarz
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Postby marzbarz » Wed Feb 20, 2013 5:28 pm

haikuginger wrote:Well, a year ago, I posted this thread to see how I was doing. At the time, I had a $500 Zync, a $300 CapOne, $1500 on Discover, and a $3000 Citi Simplicity.

My usage model paid off. I apped a bunch of cards last month to help pay for my upcoming honeymoon (again, not necessary, but I'm all for building credit!). Here's what I have:

$500 Amex Zync
$300 Capital One
$3000 Citi Simplicity
$1900 Discover It (automatic CLI from $1500, and a requested product change)

New cards:
$1500 Bank Americard Travel Rewards (got it for the introductory offer, and no foreign transaction fees)
$4000 Citi Diamond Preferred (18 months no interest, 11.99% thereafter)
$5000 Chase Freedom (18 months no interest, 5% cashback rotating)
$6000 Chase Slate (18 months no interest)
$8900 Chase Marriott Preferred (Visa Signature, 70,000 points signup bonus, which will help with the honeymoon. Also, it's metal and feels wonderful to hold.)

This is what I have after a couple years of active credit building, starting at a CK of 630 two years ago, to a high point of a 770 FICO on one of my recent acceptance letters (back down to 730 after all those inquiries and new accounts).

I did it, and you can, too.

Keep gardening.


Congrats! I've been using credit cards in place of my debit card and paying in full for years now. Just last month i ran a score check and was amazed to see a score of 790 for all three! Wait I lied, Transunion was 794 :)

Anyway congrats, and job well done
AMEX Blue Cash: $23,500
CITI Doublecash (World Elite MC): $11,200
CAPONE Quicksilver (VISA Signature): $12,500
CHASE Freedom (VISA Signature): $20,000
USAA Rewards (World MC): $13,500
USAA Rewards (VISA): $18,500

qix3
 
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Location: United States

Postby qix3 » Sat Feb 23, 2013 1:53 am

Very Nice!

Did you apply for the three chase cards at one time? and did you get instant approval for those?

haikuginger
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Location: Norman, OK

Postby haikuginger » Sat Feb 23, 2013 1:50 pm

Pretty close together- instant approval on the Slate and Freedom; had to call in to confirm details for the Marriott.

Sevenfeet
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Postby Sevenfeet » Sat Feb 23, 2013 6:21 pm

Calipso wrote:Nice credit lines. Shame you got the Citi Diamond Preferred card. Not to rain on your parade, but the card is useless IMO. I'm only keeping mine due to the no AF.


It does get him a foothold into Citi. He can go to other products from there.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

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Calipso
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Postby Calipso » Tue Feb 26, 2013 3:51 pm

Sevenfeet wrote:It does get him a foothold into Citi. He can go to other products from there.



True I suppose.

I've had so many different cards from Citi (I couldn't recall more than one if I had to guess off the top of my head) that I don't consider them to be worth getting in with.

American Express and Chase are understandable.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

Sevenfeet
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Postby Sevenfeet » Tue Feb 26, 2013 4:55 pm

Calipso wrote:True I suppose.

I've had so many different cards from Citi (I couldn't recall more than one if I had to guess off the top of my head) that I don't consider them to be worth getting in with.


Gee, I think I'm only not carrying three cards from my 20's. :)
Cards:

American Express Platinum (NPSL)

Penfed Platinum Reward Visa ($28K)

Chase Freedom Visa ($25K)

Fidelity American Express ($20K)

American Express Blue Cash Preferred ($20K)

Bank of America Cash Rewards MasterCard ($20K)

Citi Thank You Preferred Visa ($9.5K)

Chase Sapphire Preferred ($7.5K)

US Bank Cash + Visa Signature ($7K)

Discover IT ($4K)



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