cancel
Showing results for 
Search instead for 
Did you mean: 

Been awhile... which card should I go after?

tag
Section700
Valued Member

Been awhile... which card should I go after?

Well folks, I spent every day on this forum for several years posting, asking, searching, and learning. Thanks to great people here and many valuable lessons learned, I'm almost 7 years post Chapter 7 discharge, I have scores in the low-mid 700s, and just bought a house (actually my 2nd since BK)!

Now that I'm in my long term house, debt free, and about to get married, I want to add another card to my wallet. Definitely interested in 0% intro offer but wondering if those are typically **bleep**ty cards long term? Also, should I ask for CLI with my current cards BEFORE apping or AFTER?

 

Current cards:

Barclay's 6500

Discover IT 6000

Capital One Spark Business 12500

 

Current scores:

Equifax 715

TransUnion 720

Experian 720

 

Chapter 7 Discharged 6/7/11
Sallie Mae 23k @ 4.5% (student loans) reaffirmed
First Premier 700CL opened 07/11 (CLOSED 06/14)
Wells Fargo 15k @ 10.5% opened 10/11 (auto loan)
Barclays Rewards MC 1500CL opened 12/12
Capital One Spark 2500CL opened 02/14
Discover IT 1000CL opened 03/14
As of 11/20/14 myFICO: EQ 675, TU 657, EX 684
2 REPLIES 2
Anonymous
Not applicable

Re: Been awhile... which card should I go after?


@Section700 wrote:

Well folks, I spent every day on this forum for several years posting, asking, searching, and learning. Thanks to great people here and many valuable lessons learned, I'm almost 7 years post Chapter 7 discharge, I have scores in the low-mid 700s, and just bought a house (actually my 2nd since BK)!

Now that I'm in my long term house, debt free, and about to get married, I want to add another card to my wallet. Definitely interested in 0% intro offer but wondering if those are typically **bleep**ty cards long term? Some are  Also, should I ask for CLI with my current cards BEFORE apping or AFTER?

 

Current cards:

Barclay's 6500 - Ask the analyst if you have an offer for a CLI using a SP.  If you do great! if not, dont do it.

Discover IT 6000 - Hit the luv button

Capital One Spark Business 12500 Hit the luv button

 

Current scores:

Equifax 715

TransUnion 720

Experian 720

 


See above in red.

 

Also, could you specify where your money goes the most? We can then see which cards are a fit.

Message 2 of 3
Section700
Valued Member

Re: Been awhile... which card should I go after?

Thanks! I currently put everything on my Barclay's to collect the points and pay it off every month. This mostly consists of food, pet care/food, and basically every day random stuff. I own a company so I use my company account for gas, auto expenses, travel, etc.

Chapter 7 Discharged 6/7/11
Sallie Mae 23k @ 4.5% (student loans) reaffirmed
First Premier 700CL opened 07/11 (CLOSED 06/14)
Wells Fargo 15k @ 10.5% opened 10/11 (auto loan)
Barclays Rewards MC 1500CL opened 12/12
Capital One Spark 2500CL opened 02/14
Discover IT 1000CL opened 03/14
As of 11/20/14 myFICO: EQ 675, TU 657, EX 684
Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.