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just approved!! where to app next?!

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SantaMar
Regular Contributor

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

Message 1 of 8
7 REPLIES 7
rtw
Established Contributor

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: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
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 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 2 of 8
rtw
Established Contributor

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: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
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 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 3 of 8
LisaJ
Frequent Contributor

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

If it were me, I'd go for an Amex BCE or BCP. Smiley Happy 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!

Message 4 of 8
SantaMar
Regular Contributor

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.

Message 5 of 8
09Lexie
Moderator Emerita

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

What are you looking for? Cash back? Rewards? Do you travel?
Message 6 of 8
SteveCi
Established Member

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

Message 7 of 8
LS2982
Mega Contributor

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

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



EQ FICO 548 3/3/16
Message 8 of 8
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