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Ask Hegemony: Am I Diversified?

hegemony

By hegemony
in Credit Forum

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The last post in this topic was posted 3454 days ago. 

 

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Big Bear

Big Bear

Posted
Posted

I'll bite. List of open revolving accounts:

 

PenFed PCR: $25,000

Citi DPR: $20,000

Merrill+: $17,500

Discover Motiva: $10,000

Chase FR: $6,000

BOA Amex: $5,000

BOA Visa: $5,000

Citi PS: $3,600

Wamu Visa: $3,000

Amex Clear: $1,000

Chase Marathon: $800

 

My only store card was an Elder-Beerman card which I closed, but still reports as open.


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rabbit23

rabbit23

Posted
Posted (edited)

See sig ... considering I only have 8 cards, I think I'm doing OK. I have a relationship with a 3rd CU, too, but only for auto loans because I was not impressed with their CC.

 

DH has accounts with Amex, Citi, Chase, and HSBC so between the 2 of us we have a lot of the major players covered.

Edited by rabbit23
hegemony

hegemony

Posted
  • Author
Posted (edited)

ok, turnabout is fair play:

 

Ameriprise MC 10K

home depot CITI MC 7.5K

juniper emigrant MC 36K

HRC wamu Visa 9K

Enlightenment Visa (FBH) 12.4K

JCB 7K

chase MC 12.3K

RBS MC 9K

BMW visa 15K

lexus visa

Nordstroms siggy visa 12K

NASA visa 40K

USAA amex 30K

NSB visa 10K

SFB visa 10K

Patelco mastercard 20K

Lowes storecard 10K

Target visa

Edited by hegemony
hegemony

hegemony

Posted
  • Author
Posted
I'll bite. List of open revolving accounts:

 

PenFed PCR: $25,000

Citi DPR: $20,000

Merrill+: $17,500

Discover Motiva: $10,000

Chase FR: $6,000

BOA Amex: $5,000

BOA Visa: $5,000

Citi PS: $3,600

Wamu Visa: $3,000

Amex Clear: $1,000

Chase Marathon: $800

 

My only store card was an Elder-Beerman card which I closed, but still reports as open.

A+ although more gold stars would be issued with an oddball like SFB visa or RBS mc in the mix.

hegemony

hegemony

Posted
  • Author
Posted
See sig ... considering I only have 8 cards, I think I'm doing OK. I have a relationship with a 3rd CU, too, but only for auto loans because I was not impressed with their CC.

 

DH has accounts with Amex, Citi, Chase, and HSBC so between the 2 of us we have a lot of the major players covered.

certainly your scores are proof of your strong performance in class.

 

 

Penfed $15K

Amex $15K

US Bank $12K

Discover $9.5K

WSECU $6.5K

BofA $6K

WaMu $5K

Chevron $1.5K

 

perhaps at some point consider more obtuse issuers such as Lexus visa or the Enlightment card. Another CU would not hurt either. But, in general you have some good options.

Big Bear

Big Bear

Posted
Posted
I'll bite. List of open revolving accounts:

 

PenFed PCR: $25,000

Citi DPR: $20,000

Merrill+: $17,500

Discover Motiva: $10,000

Chase FR: $6,000

BOA Amex: $5,000

BOA Visa: $5,000

Citi PS: $3,600

Wamu Visa: $3,000

Amex Clear: $1,000

Chase Marathon: $800

 

My only store card was an Elder-Beerman card which I closed, but still reports as open.

A+ although more gold stars would be issued with an oddball like SFB visa or RBS mc in the mix.

 

I'm currently concentrating on CLI only, as I am looking forward to two upcoming auto loans. After those are obtained I'll start playing around with some oddballs and chopping off my older accounts with the low limits (even if that means best-of-breed Amex). At least one more CU would be nice too. I'll look into the SFB and RBS cards. If only the blue ball bank was still around.

hegemony

hegemony

Posted
  • Author
Posted
Do I get a grade? :dntknw:

with extra credit you get an A. :)

 

Thank you. I would like to add 1-2 more CUs and get rid of a couple of the low limit cards.

that is a great goal.

 

BTW, my ebates just passed 1K in lifetime rewards. gotta love double rewards. :)

minnie aubre

minnie aubre

Posted
Posted
Do I get a grade? :dntknw:

with extra credit you get an A. :)

 

Thank you. I would like to add 1-2 more CUs and get rid of a couple of the low limit cards.

that is a great goal.

 

BTW, my ebates just passed 1K in lifetime rewards. gotta love double rewards. :)

 

I got lucky a couple times and bought from the double rewards stores without even realizing it! I'm not earning as fast now because I'm splitting my shopping with UPromise. Love cash back!

Guest mixedup

Guest mixedup

Posted
Posted

ok Hege...

 

NFCu Nrewards Visa- 10k

NFCU Nrewards-MC - 10.5 K

CCCU 5k

Juny mc 4k

Juny mc 2200

macys-800

walmart 700

sams 800

 

something is missing......

hegemony

hegemony

Posted
  • Author
Posted
Do I get a grade? :D

with extra credit you get an A. :)

 

Thank you. I would like to add 1-2 more CUs and get rid of a couple of the low limit cards.

 

OH and get rid of amex.

I don't see why. just lingerie drawer them.

Kayak

Kayak

Posted
Posted (edited)

Here goes:

 

Majors:

PenFed cash rewards $5000 limit/$75 balance

Citi Plat $3700 limit/ $0 balance

HSBC $5000 limit/$0 balance

Capital One $1900 limit/$0 balance

Providian/Wamu $5462 limit/$0 balance

Wamu Business card $500 limit/$0 balance

Amazon.com (Chase) $400 limit/$0 balance (mad about my limit, won't use very often)

 

Storecards:

Home Depot (Citibank) $2000/$0

Service Experts (GEMB) $4000/$0

Circuit City (Chase) $1500/$1200 (0% through 2010)

 

Suggestions?

Edited by KayakDawg
hegemony

hegemony

Posted
  • Author
Posted
ok Hege...

 

NFCu Nrewards Visa- 10k

NFCU Nrewards-MC - 10.5 K

CCCU 5k

Juny mc 4k

Juny mc 2200

macys-800

walmart 700

sams 800

 

something is missing......

 

not bad, probably a B+ but I would recommend a couple more issuers, such as patelco, DCU, SFB, or perhaps a local CU.

minnie aubre

minnie aubre

Posted
Posted
Do I get a grade? :D

with extra credit you get an A. :)

 

Thank you. I would like to add 1-2 more CUs and get rid of a couple of the low limit cards.

 

OH and get rid of amex.

I don't see why. just lingerie drawer them.

 

You're probably right. I am just still bitter.

minnie aubre

minnie aubre

Posted
Posted
ok, turnabout is fair play:

 

Ameriprise MC 10K

home depot CITI MC 7.5K

juniper emigrant MC 36K

HRC wamu Visa 9K

Enlightenment Visa (FBH) 12.4K

JCB 7K

chase MC 12.3K

RBS MC 9K

BMW visa 15K

lexus visa

Nordstroms siggy visa 12K

NASA visa 40K

USAA amex 30K

NSB visa 10K

SFB visa 10K

Patelco mastercard 20K

Lowes storecard 10K

Target visa

 

A+

Guest mixedup

Guest mixedup

Posted
Posted
Do I get a grade? :)

with extra credit you get an A. :D

 

Thank you. I would like to add 1-2 more CUs and get rid of a couple of the low limit cards.

 

OH and get rid of amex.

I don't see why. just lingerie drawer them.

 

You're probably right. I am just still bitter.

 

mini- go get that peoples fcu card. it will make you forget all about AMEX :D

minnie aubre

minnie aubre

Posted
Posted
Do I get a grade? :)

with extra credit you get an A. :D

 

Thank you. I would like to add 1-2 more CUs and get rid of a couple of the low limit cards.

 

OH and get rid of amex.

I don't see why. just lingerie drawer them.

 

You're probably right. I am just still bitter.

 

mini- go get that peoples fcu card. it will make you forget all about AMEX :D

 

I'm going to fill out the paperwork and write my check this weekend. :P

mysschevous

mysschevous

Posted
Posted

Ok Hege, Give it to me straight, I can take it. :D

 

Amex

Biz Platinum

Green Rewards

Blue for Biz 15K

Blue (AU) 15K

Blue Cash 25K

RBS Citizens 7.5K

USAA MC 7K

USAA Amex 7K

Juni Carni 5K (CLD from 20K Junami)

Citi Pro Cash 6K

Citi Pro TY Net 2.5 (Got this on Recon)

Citi CashReturns 13.5K

Advanta 2.5K

Discover 5K

Chase Freedom Biz 5K

Wamu 3.5K

Wamu Plat 2K

Best Buy MC Plat 1.5K

Wells Fargo 3K

Target Visa 4K

A bunch of store cards too. :)

aeonchronicler

aeonchronicler

Posted
Posted (edited)

Hmmmm....my turn I guess...

 

Major Banks:

 

Citi: $21.5k

BOA: $19.5k

AMEX: $22.5k

Chase: $18.5k

Discover $6.9k :rolleyes:

WaMu: $2k <_<

State Farm: $20k

Cabela's/WFB: $10k

Nat'l City: $10k

Nordy's Platinum: $3k

USAA: $1k (they R-E-A-L-L-Y HATE me)

 

CUs:

 

Navy FCU $20k (also loc = $10k)

People's Trust: $25k

BECU: $14.5k

CCCU: $7.5k

PenFed: $500 *ahem* <_<

 

*also pending cc apps for JFCU (req $20k), NEFCU (req $25k), NASA FCU (req $30k)

 

Assorted store cards:

Home Depot Store $9k

Circuit City: $5k

Walmart Discover $4k

Lowes $ 2k

Exxon Mobil $2.1k

Edited by aeonchronicler

The last post in this topic was posted 3454 days ago. 

 

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