Since I have given up on the house, I am applying for credit. CLI on NFCU Plat (3 years old) from $1500-$4000 HP Equifax. Amex BCP $1000 SL. Not sure what they pulled or how as alert has not come through and rep didn't know the answer suprisingly enough. Maybe Sp???
I am wanting to add another card so I have three revolvers to build max fico points with. I don't think I will be approved for the DC yet with my scores, so I am looking at NFCU Cash Rewards and Citi Costco. I do at least $500 a month there. The BCP will cover my Publix spend. Gas I use about $200 a month/$2400 year plus when I drive for summer camps. I buy kids clothes at Target (2-3 times a year for growing kids) and sometimes Walmart, mostly the first and Costco (shoes!) 669, 656, 658 were my Fico 8 scores before the last reporting of NF Plat and now new Amex. My credit card scores are 676, 673, 672. Eq, Tu, Ex for above orders. My AAOA before Amex bcp app was 9 years.
What will be best card to go for now to build more with and give me the most from it and hopefully who would give me a nice SL?
Oh, derogs are 3 30 day lates last year with NFCU Plat (divorce issues). One is past 1 year of age, next two are Sept and Dec. One collection for $345 with portfolio. Not mine but dispute was validated. Will fall off completely 2021. Several old revolvers and loans from 10-12 years ago still reporting positive. Opinions?
