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Best Visa

New Member

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.

20 REPLIES
Epic Contributor

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?

Regular Contributor

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

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

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

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Senior Contributor

Re: Best Visa

+1 chase freedom

Super Contributor

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

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 | Walmart $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 Sig $8K | CapOne Spark BIZ Cash Visa Sig $5k | AMEX SimplyCash Biz CC $10k (LLC) | AMEX Everyday $2k | Sallie Mae WMC $6.4K | Citi Double Cash WEMC $6.2k | DCU Visa Platinum $1K (CLOSED0 | PSECU Visa w/PSL $8k | Chase Ink Cash BIZ Sig CC $3k | FNBO Biz Visa $9.5K | AMEX SimplyCash Plus BIZ CC $10k | Fidelity Rewards Visa Sig $4.7k | AARP Visa $500 |
Valued Contributor

Re: Best Visa

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

               LIMITS IN CARD DESCRIPTIONS