My wife has FICOs ranging from 740-765 (from mortgage pull last month). Her util is about 25%, AAoA about 6 years, and no baddies on her report at all.
She needs a good card that provides a reasonable credit limit, and potentially a low/0% interest BT option.
Suggestions?
Current cards -
Chase Disney Visa - $500 limit
Home Depot - $6,000
AU on my AMEX Blue -$6,400 limit
Starting Score: 627 EQ, 621 TU - 11/15/08
Last Nov, I apped for the Nationwide bank Visa. The pull (nearly exclusively) TU.
730ish FICO
48% util on cards
0 inq's
AAoA - about 3 yrs
I was approved for 10k .....which they upped to 11500 without askingin May
11% apr,
0% BT for 6 mos....I used it for about 4k & I had a flat $75 fee
Everyone gets 0% apr on all auto related purchases for 12 mos from date of purchase. This can be a tank of gas or a full dent repair & paint job. I like this feature, as I drive 500 mi every week for work. Should something happen, I can use this for emergency & have a year before the interest kicks in. (unsure if int is pro rated at the end)
So, this is my example for you. With several of her factors sitting in a nicer place than mine, she's sure to get a better limit, & better int rate. She may even have a better BT deal.
Hope this helps.....
