I am planing to have an app Spree on Auguest 1st.
My fico scores are as follow :
Experian : 734
Equifax : 745
Transunion : 756
No enquireis on EX or TU
1 enquirey on Equifax for ATT uverse ( service enquiry )
I have 1 baddie on Experian unpaid judgment from 2008 due to drop on june 2016
I have 2 secured card :
Applied bank since 09/2012 Limit : $5000 , Balance : $200
Cap 1 secured since 03/2013 Limit :$3000 , Balance :$109
Am looking for Capital one venture , Discover , Barclays , Amazon Store Card , Macys, and Belk.
Out of the previoues I have burned Discover on 2006 others I have no relation with .
I want Chase , AMEX, and Citi but they say they never forgive and I burn them in the past so why waste enquiries.
What the order I should apply ?
DO i have to apply all in one day ?
For store cards do I apply in person or online ?
Thanks allot for all the expected help :-).
i dont know about how they consider with that baddie in EX.
My choice of order would be
1)Barclays
2)Discover
3)Macys
4)Capital One (Keep it last, as they dont bother about multiple inqs or accounts). Sure for 3 hps across bureaus.
5)Belk - i dont know about this requirement.
Dont you think of BOFA? They are also TU based for new a/c.
Good luck.
Thanks alot ,
What cards are good from BOA I have never use them in the past.
@from500to700 wrote:Thanks alot ,
What cards are good from BOA I have never use them in the past.
Personally, I'm NOT a fan of BOA. If you are a member of a credit union or USAA , I would opt for 1 of their cards.
Gardening Until Further Notice
Am not member of usaa or cu.
@from500to700 wrote:Thanks alot ,
What cards are good from BOA I have never use them in the past.
I like BOA. Generous limits and they have deals sort of like what Amex does. The cash rewards card is 3% CB on gas, 2% on groceries and 1% on everything else
@kdm31091 wrote:
@Closingracer99 wrote:
@from500to700 wrote:Thanks alot ,
What cards are good from BOA I have never use them in the past.
I like BOA. Generous limits and they have deals sort of like what Amex does. The cash rewards card is 3% CB on gas, 2% on groceries and 1% on everything else
Which, depending on your spend, can be a relatively weak card. If your gas spend is very high, it can be good, but otherwise, you can get 2% on everything with a Double Cash or even 1.5% with a Quicksilver.
It's one of those cards that needs to be updated or made more competitive, IMO
Eh I find BOA a better bank overall with limits and approvals...at least for me. Citi has been stingy on their limits. Took me another HP to get my double cash from $2,500 to $3,700 when I got accepted
OP also said he burned citi so there is that
