My Fico EX 731 and TU 791 New Credit- What should I apply for?

[ceosean]

I have a Myfico EX 731 and TU 791 No derogs or Collections 100% on time payments I've had a BOA Rewards card for 6month now I have a card that I paid off in 2010 it was for 20k and I paid it off in less than 2 years and I also had a Macy's card in 2002 that's has been closed since 2004. Do you have any suggestions on What I should Apply for  and How many I should try for? My of has a 0 balance currently.

[myjourney]

Welcome to the forum 

More info needed 

AAoA?

INQ's in the last year?

Other TL's car mortgage, loans etc etc 

What type of cards you seek cash back miles?

Where is most of your monthly spending?

[ceosean]

AAoA? 14.2 years, but all the accounts I listed is all that I've ever had the Macy's that was opened for 2 years between 2002-2004 being the longest

INQ's in the last year? EX 0 TU 1

Other TL's car mortgage, loans etc etc My car is paid of that's the Account I had opened from 2008-2010 that I paid off it was 20k loan

What type of cards you seek cash back miles? I wan't to really start building my credit, so doesn't matter to much, but I's like Cash Back, I really like AMEX Blue

Where is most of your monthly spending? Monthly Spending Gas about $500 Month $Food about $1000, website stuff about $1000, Clothes about $400

[myjourney]

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@ceosean wrote:

AAoA? 14.2 years, but all the accounts I listed is all that I've ever had the Macy's that was opened for 2 years between 2002-2004 being the longest

INQ's in the last year? EX 0 TU 1

Other TL's car mortgage, loans etc etc My car is paid of that's the Account I had opened from 2008-2010 that I paid off it was 20k loan

What type of cards you seek cash back miles? I wan't to really start building my credit, so doesn't matter to much, but I's like Cash Back, I really like AMEX Blue

Where is most of your monthly spending? Monthly Spending Gas about $500 Month $Food about $1000, website stuff about $1000, Clothes about $400

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Good break down thanks it helps 

Gas and Food ....Cards to consider Amex PRG if approved app BCP (2) AF's 

Another card to consider Salie Mae 5% (capped tho)

[ceosean]

Thank you very much for your replies, do you think I have a good chance with the Amex card? Should I try for just the Blue Cash and I also was intrested in the Discover It card.

[myjourney]

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@ceosean wrote:

Thank you very much for your replies, do you think I have a good chance with the Amex card? Should I try for just the Blue Cash and I also was intrested in the Discover It card.

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Here's what I would do 

App PRG...good all around card 2 pts food and gas 

If Approved for PRG then immediately app BCP

12,000 a year food BCP would be best for gas and food

This way if approved you get 2 cards with one HP 

After a year if you don't want the PRG cancel 

Then that leave you another HP for Discover which I assume you want for online shopping also Consider Chase Freedom same effect 

[B335is]

I agree with PRG (nice bonus) then BCP if PRG was approved. I would go for Sallie Mae after that. Discovers 5% categories are rotating and kind of *yawn* this year in my opinion. Chase Amazon might be a good alternative if you don't like rotating categories.

[blk8]

If it were me, I would do the following:

App for the AMEX PRG ... if approved, immediately app for BCP.

I would then app for the Discover IT card (which should be a equifax pull)

I would finish it off with a Chase Freedom.

This will leave you with 4 nice cards to garden with. All prime banks as well.

[ceosean]

Thanks guys you were all very helpful, So I did almost what you all reccomended and here were my results I Applied for Amex BC Approved for $2,000 then I applied for Walmart Discover and was approved for $900 (I did this one because I EQ score has not been updated with correct info and was little low) I also Applied for Chase Freedom and was approved for $5,500! Awesome guys Thanks You very much for all your help and I am very excited about really starting to establish a solid credit history.

[pembrokepride]

WTG that  is awesome!!