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Ask Hegemony: Am I Diversified?


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580 replies to this topic

#51 Big Bear

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Posted 05 April 2008 - 08:03 PM

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.



#52 rabbit23

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Posted 05 April 2008 - 08:03 PM

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, 05 April 2008 - 08:04 PM.


#53 hegemony

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Posted 05 April 2008 - 08:07 PM

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, 05 April 2008 - 08:11 PM.


#54 hegemony

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Posted 05 April 2008 - 08:08 PM

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.

#55 hegemony

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Posted 05 April 2008 - 08:10 PM

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.

#56 Big Bear

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Posted 05 April 2008 - 08:12 PM

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.

#57 minnie aubre

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Posted 05 April 2008 - 08:36 PM

Do I get a grade? :P

#58 hardpull

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Posted 05 April 2008 - 08:42 PM

Do I get a grade? huh.gif


You will need to send a recon CMRRR

#59 minnie aubre

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Posted 05 April 2008 - 08:46 PM

Do I get a grade? huh.gif


You will need to send a recon CMRRR


y'all are really making me work today! :P

#60 hegemony

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Posted 05 April 2008 - 09:13 PM

Do I get a grade? :dntknw:

with extra credit you get an A. :)

#61 minnie aubre

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Posted 05 April 2008 - 09:16 PM

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.

#62 minnie aubre

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Posted 05 April 2008 - 09:17 PM

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.


OH and get rid of amex.

#63 hegemony

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Posted 05 April 2008 - 09:17 PM

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. :)

#64 minnie aubre

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Posted 05 April 2008 - 09:21 PM

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!

#65 mixedup

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Posted 05 April 2008 - 09:32 PM

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......

#66 hegemony

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Posted 05 April 2008 - 09:37 PM

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.

#67 Kayak

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Posted 05 April 2008 - 09:40 PM

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, 05 April 2008 - 09:42 PM.


#68 hegemony

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Posted 05 April 2008 - 09:40 PM

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.

#69 minnie aubre

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Posted 05 April 2008 - 09:52 PM

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.

#70 minnie aubre

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Posted 05 April 2008 - 09:54 PM

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+

#71 mixedup

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Posted 05 April 2008 - 09:55 PM

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

#72 minnie aubre

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Posted 05 April 2008 - 09:56 PM

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

#73 mysschevous

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Posted 05 April 2008 - 09:57 PM

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. :)

#74 aeonchronicler

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Posted 05 April 2008 - 10:04 PM

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, 05 April 2008 - 10:07 PM.


#75 nooneimportant

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Posted 05 April 2008 - 10:11 PM

See sig. What's my grade, professor H?




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