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Established Contributor
Posts: 985
Registered: ‎09-10-2012
0

Another prime for me?

Ok.....you can see my card list below. I am really wanting another prime card so I can spread charges out on my non-store cards. What is a good one I should try for that is within reach?

Scores below of the most current I have.

I do not want capital one....they denied me not long ago.....I think because I applied for a higher level card by accident.

I have a bp store card with Chase that has been pending a week.

No charge offs on any report.

One collection on all 3 (95.00) It is in dispute and says so on all reports....will fall off in 2014

Most if my inquiries have been on eq


So, any suggestions? Would it be smart to get another prime or should I wait?
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Regular Contributor
Posts: 440
Registered: ‎02-08-2012
0

Re: Another prime for me?


snowkitty wrote:
Ok.....you can see my card list below. I am really wanting another prime card so I can spread charges out on my non-store cards. What is a good one I should try for that is within reach?

Scores below of the most current I have.

I do not want capital one....they denied me not long ago.....I think because I applied for a higher level card by accident.

I have a bp store card with Chase that has been pending a week.

No charge offs on any report.

One collection on all 3 (95.00) It is in dispute and says so on all reports....will fall off in 2014

Most if my inquiries have been on eq


So, any suggestions? Would it be smart to get another prime or should I wait?

Is your amazon card a store card or the visa by chase? if its the store card by GE then i would app for the visa amazon by chase
Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Valued Contributor
Posts: 1,265
Registered: ‎09-14-2012
0

Re: Another prime for me?

How old are the cards below?  Try to get your GE cards limits up so you have a better chance at a higher CL on any new cards you apply for.  Is a "Prime" card with a $500 limit now better than a Prime card in a few months with a $2,500-$5,000 limit?  IMO you may be better of waiting until your current cards grow with you.

Never take credit personally

Amex BCP $24,900; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Capital One Venture $15,000; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $15,000; US Bank PLOC Overdraft $1,500; US Bank Perks+ Visa Signature $8,600; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Valued Contributor
Posts: 1,093
Registered: ‎02-15-2012
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Re: Another prime for me?


sccredit wrote:

How old are the cards below?  Try to get your GE cards limits up so you have a better chance at a higher CL on any new cards you apply for.  Is a "Prime" card with a $500 limit now better than a Prime card in a few months with a $2,500-$5,000 limit?  IMO you may be better of waiting until your current cards grow with you.


+1

 

Wait to see what happens with Chase.  Time might be your friend. 


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: Another prime for me?


sccredit wrote:

How old are the cards below?  Try to get your GE cards limits up so you have a better chance at a higher CL on any new cards you apply for.  Is a "Prime" card with a $500 limit now better than a Prime card in a few months with a $2,500-$5,000 limit?  IMO you may be better of waiting until your current cards grow with you.


++1

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: Another prime for me?


Tommy5746 wrote:

snowkitty wrote:
Ok.....you can see my card list below. I am really wanting another prime card so I can spread charges out on my non-store cards. What is a good one I should try for that is within reach?

Scores below of the most current I have.

I do not want capital one....they denied me not long ago.....I think because I applied for a higher level card by accident.

I have a bp store card with Chase that has been pending a week.

No charge offs on any report.

One collection on all 3 (95.00) It is in dispute and says so on all reports....will fall off in 2014

Most if my inquiries have been on eq


So, any suggestions? Would it be smart to get another prime or should I wait?

Is your amazon card a store card or the visa by chase? if its the store card by GE then i would app for the visa amazon by chase

 

Chase is still reviewing OP's BP store card. Making another app w/Chase would not be useful.

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: Another prime for me?

You really need to garden the cards you have and wait for the CA to fall off. Your best bet at getting a MC/Visa is going to a local CU. You would need to call around first. Some are very conservative, but others are more lenient and willing to help people establish or rebuild credit.  Other than that, you should just sit tight for a while.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Another prime for me?

Didn't you open 3-4  new accounts recently? If so I definitely would wait or you are going to get a bunch of small credit limits. I would work on growing the limits. Your GE accounts should grow quite nicely and fairly quick. GE tends to throw out weird CLIs in the first few statements. I would wait!

100% Ficos: EX 773 , TU 772, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $11,000~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
Posts: 985
Registered: ‎09-10-2012
0

Re: Another prime for me?

The amazon card is only for the store. I applied for the bp visa but when I talk to chase, it seems like the visa part was not approved so they are thinking over just the store card. I hope to get it mainly to get a foot in the door with chase.

I have opened several of the cards recently so there are alot of back to back inquiries.

I would rather a larger limit in a prime card or at least for them to match my discover.

So I assume the companies I apply with now will base their credit limit on what I have now?
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Another prime for me?

There are some that will match and other times blow other credit limits away. Hopefully you get that Chase to get your foot in the door because in a few months you can apply for freedom. I received my Chase Amazon Visa in March and it started at 1300. When I applied for the Freedom in June, they started  that at $3000 and two months after that it was doubled.

 

On a totally separate issue, you just got the Walmart, right? When were you able to get your Fico score? I was approved on the 15th. I assume I need the actual card to register?

100% Ficos: EX 773 , TU 772, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $11,000~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
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