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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
@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.
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.