Reply
New Member
creditbarbie
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
Creditaddict
Posts: 20,876
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: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
New Contributor
Cellice
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
creditbarbie
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
creditbarbie
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
jamesdwi
Posts: 1,892
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 & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Senior Contributor
john398
Posts: 3,521
Registered: ‎01-19-2009
0

Re: Best Visa

+1 chase freedom

Senior Contributor
jsucool76
Posts: 3,578
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
linux007969
Posts: 604
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

 

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K |
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: Best Visa

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

               LIMITS IN CARD DESCRIPTIONS

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+
}