Need Help With My Credit Portfolio

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Since I was approved for the SDFCU card I have received 2 "blank checks" for personal loans at 6.7% APR from SDFCU. The first came before I received the card and was for up to a maximum of $6K. I received another check yesterday for up to a max $25K. Prior to this, I never received offers for any credit products from SDFCU since I began banking with them in 2012.

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Updated Data points

BK Discharged 11/17/10 - Amex Blacklist & Chase Declined for BK-possibly blacklist

Average Account Age 5.6 year(s) Oldest Account 24.1 year(s)

FICO TU-742/EQ 738/EX 736 Average utilization 0-1%

 

Visa/MC/Amex

US Bank Altitude Reserve $10K New

Penfed Pathfinder Amex $5K  New  for $100 annual travel credit

NFCU visa $24K

Discover $25K

Barclay Rewards MC $20K recent

BBRZ Visa $15K

Wells Fargo Rewards Visa $12.3K

Paypal MC $10K

DCU Visa $10K

Penfed Plat Rewards Visa $10K

Penfed  Prem. Travel Rewards Amex $7.5K

Target MC $9K

USCCU MC $2.5K

ELFCU EZ LOC $1K

 

Store Cards

JCPenny $10K

Walmart $10K

Care Credit $20K
Ford Credit Card $2.5K recent CLI

Catherines $2.35K recent CLI

Brylane $1.5K recent CLI
USCCU Auto Loan $15K @ 2.25% - $6K balance

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Since the OP, I have made plans to visit all 50 states over the next 4-5 years.   The last time I was a frequent traveler was 2006 when the majority of my travel was on Northwest Airlines.   Until I figure out which airline I prefer all travel purchases will go on the US Bank Altitude Reserve card.  I have one trip per month booked with a different airline for the next 6 months.  So far the pleasant surprises were that both UA and Alaska allowed upgrades to first class for a nominal markup and I don't have status with either airline.  I have been told that first class in both these carriers is the same as coach on AA so I won't get my hopes up.  Then again, I read that a member here whose opinion I respect prefers UA to AA so it goes to show that it all comes down to personal preference.