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New Member
Posts: 12
Registered: ‎08-05-2012
0

Best Visa

First off I love this forum.

Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

 

My experian is 768 via my discover card.

I also have Kohls, Carecredit, Hdepot and a military star.

 

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

 

I have no baddies ever and oldest credit is 8 years.

oh and have a mortgage.

 

sorry, Im a newbie at forums. thanks for any suggestions.

Epic Contributor
Posts: 25,853
Registered: ‎10-23-2007
0

Re: Best Visa


creditbarbie wrote:

First off I love this forum.

Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

 

My experian is 768 via my discover card.

I also have Kohls, Carecredit, Hdepot and a military star.

 

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

 

I have no baddies ever and oldest credit is 8 years.

oh and have a mortgage.

 

sorry, Im a newbie at forums. thanks for any suggestions.


What cards and limits you have now?

What is high balance on amex?

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
New Contributor
Posts: 148
Registered: ‎07-04-2012
0

Re: Best Visa


creditbarbie wrote:

First off I love this forum.

Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

 

My experian is 768 via my discover card.

I also have Kohls, Carecredit, Hdepot and a military star.

 

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

 

I have no baddies ever and oldest credit is 8 years.

oh and have a mortgage.

 

sorry, Im a newbie at forums. thanks for any suggestions.


Get your utilization below 9% and then start applying. As for which card you should get, it depends on what you are looking for. Low interest? Cash rewards? Travel points?

New Member
Posts: 12
Registered: ‎08-05-2012
0

Re: Best Visa

4k discover, 400 balance

5k Amex, 1800 balance

1500 Kohls, 0 balance

4500 hdepot, 0 balance

10k, starcard, 1500 balance on a no interest purchase have 13 more months to pif before an interest charge.

4250 carecredit, 0 balance saving for kids braces in future.

310k mortgage.

New Member
Posts: 12
Registered: ‎08-05-2012
0

Re: Best Visa

See, idk what Im looking for, this forum has shown me that Im using credit wrong. I was always taught credit was for emergencies only, so I just have them sitting around until that happens, which now I know I should have used them to pay bills and then pif right away. My kohls charge helped build my credit and I was able to buy my first house. 

 

I really love my discover card though, and the rewards, so maybe Im a rewards type person.

Valued Contributor
Posts: 2,285
Registered: ‎09-16-2011
0

Re: Best Visa

Chase Freedom  $0 AF   good rewards. 

or 

Chase Saphire prefered  AF $95 if you spend enough it will pay for it self... 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

Re: Best Visa

+1 chase freedom

Super Contributor
Posts: 6,143
Registered: ‎12-11-2011
0

Re: Best Visa


jamesdwi wrote:

Chase Freedom  $0 AF   good rewards. 

or 

Chase Saphire prefered  AF $95 if you spend enough it will pay for it self... 


Psht, who cares about AF when you could have an epic looking card made out of metal!!!

 

 

Established Contributor
Posts: 769
Registered: ‎04-20-2012
0

Re: Best Visa


creditbarbie wrote:

First off I love this forum.

Second, I already have Discover and Amex, and really would like to have a Visa/Mastercard too. Which would I be most suited for?

 

My experian is 768 via my discover card.

I also have Kohls, Carecredit, Hdepot and a military star.

 

my amex has a high balance because of a home emergency, which I think is the reason my score dropped from 792.

 

I have no baddies ever and oldest credit is 8 years.

oh and have a mortgage.

 

sorry, Im a newbie at forums. thanks for any suggestions.


You could look at the BankAmeriCard Cash Rewards Card. https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card.go?cid=2083809&po=B9

 

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K (CLOSED) | BOA Cash Rewards Sig $6.5K | BOA BBR $1K | Discover IT $13.5K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom $8K | CapOne Spark BIZ Cash Visa Sig $5k | AMEX SimplyCash Biz CC $10k (LLC) | AMEX Everyday $2k | Sallie Mae WMC $4.4K | Citi Double Cash WEMC $5k
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Best Visa

Noticed the Military Star.  Are you still in service or retired (as opposed to veteran)?

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