Established Contributor
Posts: 951
Registered: ‎05-27-2009

Best Card we can get?

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.




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
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU

Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007

Re: Best Card we can get?

Please check-out the New Credit Card Center at myFICO. Its just LOADED with information.                                           

Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Senior Contributor
Posts: 4,243
Registered: ‎05-01-2008

Re: Best Card we can get?

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.....:smileyhappy:

Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+