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Hello all,
 
I filed bankruptcy last year and was discharged 7/20/17. Good news I guess - but my scores still suck, currently my TU and EQ scores are in the low 500s. My EX score was at 600 last time I checked. 
 
I have floated in and out of this forum and other websites looking on how to start the rebuilding process and just end up feeling overwhelmed. I aspire to have better credit, just don’t know where to start and feel kind of hopeless.
 
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I just came to do a little happy dance. I have been a member of this board for over 10 years. I have struggled a lot. I made some progress, got some cards, then had some medical issues in 2011 and everything collapsed. Back at it. About 3 years ago, i started really working at it again, but all of the 2011 issues were still haunting me. 
 
Finally this year, i made a bunch of progress.I still had only secured cards until a couple months ago when i finally got a Citi AA card with a $8400 limit - the largest card limit i have had in decades. 
 
This week, 2 of my last baddies dropped off and voila! HUGE score jump. I am so excited! Thanks to everyone over the years that has helped. This board has been a constant source of support! 
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My spouse will only carry one credit card, and the only requirement is that it has to be a MasterCard or Visa.  
 
His primary card in 2018 was an AU card on my Aviator Silver account.  With the 2019 AA EQD benefit devaluation that was recently announced, that card is going to be history.
 
In this thread I will run his 2018 spending against the reward structures of several replacement card candidates for comparison. 
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3 years ago, I applied for 2 secured cards and a Cabelas which has a low limit. My scores are now in the 700's and I am getting great cards with high limits, so I am not sure what to do with my older cards. I need to keep them for age. Should i leave them be or try to get higher limits or try to get them unsecured so i can get my deposits back?
 
Of note: i would like to apply for a couple additional Chase cards in the next year or two and don't want to do anything that will contribute to my 5/24
 
Here are the cards and dates:
US Bank Secured: $500 opened 1/15. my understanding is they will generally unsecure, release the funds and i keep the same account. does that mean there will be no impact on my age or 5/24? DCU Secured: $5,000 opened 2/15. My understanding is that they do not unsecure. I would just have to apply for a new card. I want to keep this open for the age, but likely won't use it much. Does it hurt to take out 4,000 and just leave it with $1K limit? Cabelas: $750. Now owned by CapOne. I am inclined to just sock drawer this one. If i ask for a higher limit does that hurt my 5/24? It is only new accounts that hurt, right? Citi American Airlines: $8,400  Chase Sapphire Preferred $12,500  
Thanks for any suggestions!
 
Powers
  • 2 replies

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