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Regular Contributor
SantaMar
Posts: 117
Registered: ‎03-04-2012

just approved!! where to app next?!

i have not applied for any cards in the past three years.  i did however buy a house 9 months ago.  i am going away so i apped for a citi simplicity cards for its intro period.  0%/18months and i got instantly approved for 7k.  that brings my total credit limit to around 25k.  i make 48k a year.  utilization is around 3%.  i want to apply again for something!  i dont know what? maybe chase freedom?  should i wait until my citi card actually comes in the mail and its in my posessinon?  for some reason i think that if i app with discover or amex or chase while my citi card is on its way maybe citi will change its mind and tell the mailman to come back! lol

Established Contributor
rtw
Posts: 795
Registered: ‎05-01-2012

Re: just approved!! where to app next?!

What are your scores?


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 709 (PSECU 04/05/14) 703 (my FICO 04/14/14) TU: 724(04/14/14) EQ: 676 (04/14/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Established Contributor
rtw
Posts: 795
Registered: ‎05-01-2012

Re: just approved!! where to app next?!

Do you have any inquiries on EX? Amex exclusively pulls EX.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 709 (PSECU 04/05/14) 703 (my FICO 04/14/14) TU: 724(04/14/14) EQ: 676 (04/14/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Frequent Contributor
LisaJ
Posts: 390
Registered: ‎11-06-2008

Re: just approved!! where to app next?!

If it were me, I'd go for an Amex BCE or BCP. :smileyhappy: Maybe wait till the Citi reports. They beat my CSP (another option once citi reports your limit) limit by 1k.
WOW! EQ when I joined myFICO: 657. Ups and downs and a few bumps and bruises, but finally back over 700. Whew!

Regular Contributor
SantaMar
Posts: 117
Registered: ‎03-04-2012

Re: just approved!! where to app next?!

i may have one inquiry on my experian.  im not much of an app guy,.  not alot of pulls on any of my reports except my mortgage 9 months ago.  my scores then were between 740-770.  now then can only be better but im not sure their exact number.   i have three cards.  with my new citi that makes 4 cards but my citi isnt even here yet nor activated but its on its way. 

 

wells fargo 5k limit, credit union with 10k limit and best buy store card with 2600 limit.  thats 17,600 in credit and maybe balances amount to $325.  my new citi is a 7k limit.  i make 48k a year.

Moderator
09Lexie
Posts: 22,518
Registered: ‎09-13-2012

Re: just approved!! where to app next?!

What are you looking for? Cash back? Rewards? Do you travel?
Established Member
SteveCi
Posts: 37
Registered: ‎04-13-2013

Re: just approved!! where to app next?!

Im in the same boat! But I have to have a Visa/MC. 

 

Good luck!

FICO (04/14): 752 1) Too many inquiries 2)Student loan

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: just approved!! where to app next?!

I would wait until Citi reports then app for an AMEX revolver.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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