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Advice Needed for New Card App

Valued Contributor

Re: Advice Needed for New Card App


lylesvegas wrote:

2000 $ to start....


2000? what 

 

did you app for your freedom thanksgiving day? 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 11 of 17
Contributor

Re: Advice Needed for New Card App

2000 CL on my Discover..... I do not have a chase....

Amex BCE...Amex ED...Barclay WMC...Priceline Rewards Visa...Cap One Venture...Total Rewards Visa...Wells Fargo Visa...Discover IT...Pay Pal Smart Connect...Overstock Store Card...Lowe's Store Card


Message 12 of 17
Valued Contributor

Re: Advice Needed for New Card App

Paid down your utiliti down would increase some more points there.

I would go for amex green.

Discover and Chase. Apps them all then garden i guess.

I found it weird when i request my capital one mutiple times and they wont budge me a pennie for my credit limit increase but after 2 months new account like Discover,Amex report. They increase me from 500 to 2k. One day waiting before executive call me.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 13 of 17
Valued Contributor

Re: Advice Needed for New Card App

Lyles Vegas, were you instantly approved or did you have to recon? I received conditional approval for a Chase Freedom last week after recon. 703 fico. Only bad is a BK from 2003 that is falling off next year.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 14 of 17
Regular Contributor

Re: Advice Needed for New Card App

Thanks everyone for your advice.  I just sent an e-mail to the executive office for Capital One this morning.  A few hours later I recieved a phone call from the Executive Office.  The rep stated they should be able to expand my credit limit and give me rewards on my current card.  So, I will hold and see what comes of the request.  If nothing comes to pass with Capital One, I am moving them to the sock drawer.  I'll let you all know what happens.

NFCU cashRewards (22k) | Discover IT (8k) | AMEX EveryDay (5k) | AMEX Delta Gold (5k) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) | AMEX SPG (2k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 | TU- 742 | EX - 691
Message 15 of 17
Regular Contributor

Re: Advice Needed for New Card App

One more question...Will my one late utility payment even factor in when getting a revolver?

NFCU cashRewards (22k) | Discover IT (8k) | AMEX EveryDay (5k) | AMEX Delta Gold (5k) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) | AMEX SPG (2k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 | TU- 742 | EX - 691
Message 16 of 17
Highlighted
Regular Contributor

Re: Advice Needed for New Card App

So, I took the plunge and went on an App spree and got the following:

 

1.) Capital One to increase my limit 1k

2.) AMEX Green Charge Card

3.) Discover IT (6k limit!!)

 

Thanks for the advice everyone!

NFCU cashRewards (22k) | Discover IT (8k) | AMEX EveryDay (5k) | AMEX Delta Gold (5k) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) | AMEX SPG (2k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 | TU- 742 | EX - 691
Message 17 of 17