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Regular Contributor
Posts: 168
Registered: ‎12-27-2012
0

Advice Needed for New Card App

So, I have been gardening for over a year to improve my FICO scores.

 

As of now my stats are as follows:

TU - 670

EQ - 654

EX - ???

 

CAP One - 500 CL

CAP One - 1000 CL

 

Salary - 80k

 

My current utilization is 26%.  My goal is to lower it less than 10% before applying anywhere.

 

I have tried multiple times for CLI from Cap One, however they refuse to budge.  The CSR explained that my card is not elligable for uprgrades or CLI.

 

Anyways, I really want to get my foot in the door with a prime lender (AMEX, Chase, Discover).  I have a pre-qualify notice from AMEX for the Delta Gold card, but this may be b/c I fly with Delta not so much b/c of my scores.

 

Any help/advice would be greatly appreciated.

 

Thanks!!

 

My question is, who do I have the best shot of getting my foot in the door with?  I would love a card that actually carries some rewards and benefits (ideally cash or hotel rewards as a I travel a lot for work).

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)
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Scores: EQ - 670 | TU- 742 | EX - 691
Contributor
Posts: 92
Registered: ‎11-21-2012
0

Re: Advice Needed for New Card App

I got approved for Discover with a 649 fico.......

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


Regular Contributor
Posts: 168
Registered: ‎12-27-2012
0

Re: Advice Needed for New Card App

If you dont mind my asking, how was their credit limit?

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)
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Scores: EQ - 670 | TU- 742 | EX - 691
Valued Contributor
Posts: 1,607
Registered: ‎09-15-2012
0

Re: Advice Needed for New Card App

What baddies are on your reports?  Your scores may get you a number of cards, but the number, type, and age of baddies may hold you back from certain lenders. Maybe that information can help avoid unnecessary inquiries. 


In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Citi Forward (12/12) $14,600, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
Regular Contributor
Posts: 168
Registered: ‎12-27-2012
0

Re: Advice Needed for New Card App

I have one charge off from 2006 for $331 and one 120 late for a power company (have attempted to get this removed numerous times).  My AAoA is 7 years and I have had 0 INQ in the past year.

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
Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
0

Re: Advice Needed for New Card App


icetrap06 wrote:

I have one charge off from 2006 for $331 and one 120 late for a power company (have attempted to get this removed numerous times).  My AAoA is 7 years and I have had 0 INQ in the past year.


they can still see inq's past a year they just dont effect score (and will fall off after 2 years) 

 

are those scores from here? 

if you pay off the balances too about 4% your score should see a nice bump. 

for me at least right now i have reporting 20% from the 4 i had last month and my score tanked about 35 points. (also went from 1 card reporting too 4- and 2 of them appear maxed out)

 

with 7 years of aaoa though id suggest a chase freedom after you pay down your cards. and possibly add too your secured card. (if they dont pull too add a deposit) 

from what i here they are good with recon once you talk to a live person. 

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
Regular Contributor
Posts: 168
Registered: ‎12-27-2012
0

Re: Advice Needed for New Card App

Great info!!...The scores are from here (last pulled at the beginning of December).

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
Contributor
Posts: 92
Registered: ‎11-21-2012
0

Re: Advice Needed for New Card App

2000 $ to start....

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


Regular Contributor
Posts: 168
Registered: ‎12-27-2012
0

Re: Advice Needed for New Card App

Thanks Vegas!

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
Contributor
Posts: 92
Registered: ‎11-21-2012
0

Re: Advice Needed for New Card App

No prob....Just go ahead an app now.......let me know how it goes....

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


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