I’m trying to read through alllllllllllllll of the posts but it’s information overload. Here’s my background info:
I’ve got a Capital One Platinum, Capital One Quicksilver, Care Credit and Pottery Barn – which I just got from the shopping cart trip and I legitimately plan to use it because I’m redecorating. My FAKO scores according to Credit Karma are Trans: 661 and Equifax 665. I have no idea what they actually are. My utilization is 29% but I can have it down to 0% or whatever the magic number is within a couple of months.
I have had pre approval offers from Citi, Chase and American Express. I’m not sure what I can really get or what I really want for that matter. I want to start doing some traveling this year with my family but not sure if a miles card is the way to go. We do eat out quite a bit and spend a big chunk on groceries. I try to put as much spending as possible on my Quicksilver to get the cashback but I know there’s better options. I also should probably do a balance transfer because my Platinum has like $ 1100 on it at 22%. I plan to wipe that out within the next couple months but still. I know I should probably transfer it. Just having a hard time figuring out what card would be a good fit.
What would you add?