Man this app thing is addictive, so now is the time to chill for at least two years... I want a Chase Sapphire to round out my cards.
App'd for a Discover today after receiving the umpteeth mailer.. App'd on-line and got approved for $1000... not great but I'll take it.
Additionally, as of May 19th Amex hit me with a 3x CLI so now my ED card sits at $12,000 and Cap One hit me with my Credit Steps so now QS sits at $2000.
Stats:
Began the rebuild in Aug 2015 with no credit file.
All scores Fico 08 and info from CCT as of May 28, 2016:
Scores: EX - 705, TU - 733, EQ 710
Inquiries: EX - 7, TU 0 (CK reports 4), EQ - 5
Ultilization - All CRA's - 4%
AAOA - EX/EQ - 5 months (oldest 9 months), TU - 3 months (oldest 6 months)
Cards and Limits
People's Alliance FCU Visa (8/15) - $500 secured - will be closing soon.. rarely use this card
Capital One Quicksilver MC (11/15 - PC'd from Platinum in 02/16) - $2,000 - Amex Backup and Travel card
Amex EveryDay (3/16) - $12,000 - Primary Card and EX Fico
PayPal Extras MC (5/16) - $3,000 - Biz expenses
PenFed Promise (5/16) - $500 - not yet reporting to CRA's - Amex Backup, Travel and low apr/BT card and EQish Fico (NexGen)
Discover it (5/16) - $1,000 - not yet received - internet purchases and 5% bonus spending and TU Fico
$19000 TL
There it is until another 2yrs when I can app for CSP. Every card has its place and function. Down the line CSP would replace Cap 1 and Amex Blue for Business would replace Paypal... Will possibly close those trade lines in the process.. I dont want to have a lot of cards, only whats neccessary. Ideally 3 cards would work - Amex, Amex backup, and business... but wth, 5 cards is manageable.
Wish me luck in the garden.