07-21-2013 01:54 PM
Im trying to figure out what cards I should apply for next, after I come out of gardening. Should I apply for just one, or the three I'm going for, like in one day.
1. AMEX BCE
2. Chase Freedom
3. USAA Visa
I really would like to establish a relationship with American Express, but then again maybe the other cards would be good as well. I'm not sure if I should just go for all three or just the AMEX, or the USAA.
07-21-2013 02:00 PM
What does your profile look like?
1. AMEX BCE - Great card to have, but if you dont have a prior relationship with AMEX is a tad bid harder to get. Charge cards are easier to get in with AMEX.
2. Chase Freedom - Easiest card of the 3
3. USAA Visa - Good good to get if you are a full member - lower interest rate. If not full member interest rate is ridiculous.
07-21-2013 02:06 PM
Well I got my first card a year ago. My mom put me on with her Kohls (06/12). And the rest, my best buy (01/13), discover (03/13) and then cap one (06/13). I have a EX score of 666, like 9 inquiries and ive always paid on time. i do not carry a balance on anything except for the Best Buy card, because it has no interest for 24 months
07-21-2013 02:07 PM
Well Im really not trying to have an annual fee, thats my problem.. Should I just get the green card instead of the BCE?
and for the USAA, my grandfather was in the military, I am not a member, so I dont know if i would get approved or not..
07-21-2013 02:10 PM
07-21-2013 02:11 PM
The BB card is 42% utilized..
07-21-2013 02:13 PM
I'm really just going for something that doesnt have any annual fee, has decent rewards and is most definitely unsecured.
07-21-2013 02:16 PM
07-21-2013 02:18 PM
Okay thanks. I am looking to pay off the BB card in the next couple of months, I'm sick of having a balance on it..the next payment I make will bring it down to 32% util..I am probably going to wait about 6-7 more months to apply for any new cards anyways, just trying to get something set in stone so I know what I want at the time that I do apply.
Thank you, I really appreciate it!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.