app itchy. app time?

Anonymous · ‎02-08-2015

Wf secured at 500, chase freedom at 1200. Wf since May 2014, Chase since August 2014. Scores..704 Tu.. 736 eq and 713 ex.. 3 inq on tu.. 1 on eq and 3 on ex..
Really itchy to app! Suggestions?

Goblin · ‎02-08-2015

Have you considered an American Express product?

Starting Score: Ex: 495 Eq: 492 Tu: 497
Current Score: Ex: 708 Eq: 716 Tu: 710

Anonymous · ‎02-08-2015

Discover It or Cap One Quicksilver, (not Quicksilver one).

Anonymous · ‎02-08-2015

Do you have any prequals?

Anonymous · ‎02-08-2015

@Goblin wrote:
Have you considered an American Express product?

Oh yeah, Amex would also be great!

Goblin · ‎02-08-2015

I'm getting itchy too.

I hope you update us with those apps so we can live vicariously through you

Starting Score: Ex: 495 Eq: 492 Tu: 497
Current Score: Ex: 708 Eq: 716 Tu: 710

Anonymous · ‎02-08-2015

For some reason.. I don't like amex..because when I travel ..a lot of places in Asia don't seem to accept them. Just checked..I have a prequal on qs visa (not signature!) Says no annual fees..probably has a lot CL..prequal on discover too..but I guess everyone has that! Is that qs going to be a low limit card? Ideas?

chalupaman · ‎02-08-2015

@Anonymous wrote:
For some reason.. I don't like amex..because when I travel ..a lot of places in Asia don't seem to accept them. Just checked..I have a prequal on qs visa (not signature!) Says no annual fees..probably has a lot CL..prequal on discover too..but I guess everyone has that! Is that qs going to be a low limit card? Ideas?

I'd just go for a Venture and PC it to a Quicksilver before the AF hits if you really wanna go that route.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

happypill · ‎02-08-2015

See if you prequal for a Cap1 Venture. Seems like everyone can get $5k or $10k. Don't know how they'll view a thin file like yours, but I think Capital One might take a chance.

Anonymous · ‎02-08-2015

@Anonymous wrote:
For some reason.. I don't like amex..because when I travel ..a lot of places in Asia don't seem to accept them. Just checked..I have a prequal on qs visa (not signature!) Says no annual fees..probably has a lot CL..prequal on discover too..but I guess everyone has that! Is that qs going to be a low limit card? Ideas?

What interest rate is the pre qual for the QS showing? If it's on the lower end, that frequently indicates a decent credit line. You can ignore Discover. Everybody gets the same thing.