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Journeyjeans

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  1. About three years ago when my wife and I started our respective (Credit) journeys, we became authorize users on each other's CapitalOne rebuilder card. Long story short, we are both in the 750's FICO range and: I have 5 cards now, in addition to the Capital One Rebuilder. She has 3 cards now, in addition to the Capital One Rebuilder. We are authorized users on all of these cars of ours lol. I thought that it would make sense in the past to be authorized users To make it look like we have more credit between us then it really was. We know that that wasn't fooling anybody but we still thought it made our credit reports look better. Now I think it just makes a Credit Reports look messy with all these extra authorize user accounts. Or does it? I'm thinking about closing all the AU accounts now that we can have our own credit cards, since there's no longer any advantage (real or perceived) from having extra card accounts appearing on our credit history. What do you guys think? Should I close them or leave them be? Thanks!
  2. Hi Wise friends! My question is simple. 1. What are some cards or bank issuers that have offerings that will GROW with you? I mean into the 20k limit sphere? 2. What are some banks that still combine credit lines? For example, if you have 2 $10k cards with Bank of America, you may be able to combine the limits on one card to look something like 19,900K and $100, as an example. Thank you for your help!
  3. Thank you everyone for your insight! I was going to have her just close it. What can we do with a $1000 limit? Plus it makes me feel like we're rebuilding all over again so I was personally offended LOL! Perhaps we will keep it open and just grow it.
  4. Wow....thank you EVERYONE for your insight. I will definitely pass for now. Appreciate you! Sidebar, as an investment, I think Affirm was the company that was being promoted last year as the "credit card killer" by The Motley Fool investment advisor people.
  5. Hey beautiful people! My wife applied for the NFCU More Rewards card but only got a $1,000 limit. She's been a member for 5 years, with direct deposit, and I've been a member for 12 years. She already has a $25,000 limit on her Cash Rewards card, so we were both surprised at the low limit for the More Rewards, especially since I apped for it too and got $25,000. I followed the instructions here and appealed the limit...TWICE...both times denied and they said to try for a new limit in 3 months.... Sooooo, my question is this: We should probably just bang the heck out of this card over the next 3 months right? Put several thousand dollars through it and then apply for a better limit ($25,000) right? Any other tips or ideas we can do to help increase the possibility of an increased limit? Also, when they DO give credit limit increases, how big are they generally? Thank you for any advice you may have!
  6. I see a fantastic way to finance a new computer on Amazon for a ridiculously low rate, but I am worried that Affirm would make my credit profile look bad. I have scores around 760 on all 3 major bureaus. I have 3 cards, Cap One Quicksilver $4800 (Rebuilder, started at $500), Navy Federal Cash Rewards $25,000, and Navy Federal More Rewards $25,000. I also have a new mortgage $144,000 from a few months ago plus $7900 in Student Loans. I just don't want to hurt my credit long term trying to get a great short term deal. Thank you for your insight!
  7. What income level do you guys have? Mine (individual) is 47K. I’m trying to figure a guess to see if it’s worth it to app as I just got my invite today (after being on the list for 20 years lol). My current highest is Navy Fed $25,000 and I plan to app for their American Express product in 2 more months.
  8. Hi everyone! Why does everyone want to get Chase cards? (Including the “Trifecta” that I’ve read about online) When I look at the cards…Chase Rewards seem “regular”. Am I missing something pretty significant? Thank you so much for your help and insight!
  9. Okay, I made a “good” boo-boo. After my mortgage hit (Long story, I talked about it my other thread)….I app’d for Navy. I couldn’t help it! Fixating on Navy got me through some dark times….I fixed my credit, got an excellent mortgage rate because of it (3% SONYMA) and I was finally FREE….finally free to get a car loan (car has been falling apart for years) finally free to BREATH…..finally free to get Navy. I honestly don’t know the advantages of 5/24 or Chase, Citi, or BOA. Is it because they are Prime banks and they look good on a credit report? Or their products? As for the limit….Navy gave me $25,000!!! I cried….I really did. I am reborn, and it’s thanks to all of you! I honestly….honestly don’t know what to do at this point, which card to get next, or even if to get another card. When I’m doubt, sit still I guess. I know this, I am grateful to all of you. Thank you! I would insert a picture of the welcome email if I knew how lol. I think I can’t find the attachment button because I am typing on my phone lol. THANK YOU.
  10. That’s the thing…perception! Navy has been my goal for the entire 5 years I was rebuilding…I just kept saying “Navy Navy Navy!” In my head…as motivation, you know? So I feel a level of achievement and even loyalty…that might well be misplaced. I’ve never been here before. This is the highest my score has ever been! I just don’t want to make a mistake, you know? And app for the wrong thing. I’m reality, it really DOES make sense to only get what I need. for example, I want 2 or 2.5 percent because that’s what I really care about. I don’t even want the grocery card (yet). I know that getting one *at some point* will be a smart move, but I feel like only one card is good enough right now, you know? Maybe I should think about this some more. I mean, I only want to do some things because “I can” or “I should”…I only really want high starting limit and 2 percent base card…and I can look at other things later when I’m a tad more sophisticated.
  11. I like that strategy! I’m just so proud of us after faithfully following all of your advice that something $20,000 or above “feels” like something, you know? But honestly, a high CB is more useful 🤷‍♂️😂 I’ll take a look at the AMEX prequal site! Thank you!
  12. Scores are all high 700’s FICO 8’s, one is low 800. Advice 1: We each want a high limit "pry bar" card so that any card that follows also has a high limit. We both have Navy Federal savings and checking accounts, so we both want to apply with Navy Fed Cash Rewards. This is because Navy has a a reputation for high limits. Do you all agree that this is a good plan? Advice 2: We need a better Cash Back card. Currently we get 1.5 percent. We want at least 2 percent. 2.5 would be great! So we are looking at the Alliant FCU for 2.5 or Wells Fargo for the 2 percent. Do either of these sound good? Advice 3: We need a good Cashback card for Groceries specifically, but Restaurant and Gas would be nice too. I looked into the American Express Blue Cash Preffered card...I figure if we both get the card, we'll have $12,000 a year of eligible grocery spend that will met us 4.4 percent after the annual fee...BUT we just found out that HelloFresh doesn't count as grocery spend anymore...and if that's the case, then a regular 3 percent No Fee grocery card will be better...since we MAY rely more on HelloFresh or even WalMart and won't be able to get that spend amount. Advice 4: Just stick with the Navy Fed Cash Rewards card for awhile. Thank you for your advice!
  13. The account fell off! My Experian FICO 8 is now 808! It was my lowest score and now it’s my highest!
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