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Registered: ‎02-07-2013
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Re: CC suggestions for upper 700 score.

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Registered: ‎01-21-2010
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Re: CC suggestions for upper 700 score.

Thanks for all the valuable info. I do apprecreciate it. I wont do anything yet w/ Chase and Amex until EX is clean this month. I opened a savings account w/ Penfed 4 yrs ago but never applied for a CC w/ them. Thinking also of requesting a CL increase through my CU. Have had their CC for 1 yr. I have my payroll direct deposit w/ them.

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Registered: ‎08-30-2011
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Re: CC suggestions for upper 700 score.


cbmcbm wrote:

Thanks for all the valuable info. I do apprecreciate it. I wont do anything yet w/ Chase and Amex until EX is clean this month. I opened a savings account w/ Penfed 4 yrs ago but never applied for a CC w/ them. Thinking also of requesting a CL increase through my CU. Have had their CC for 1 yr. I have my payroll direct deposit w/ them.



I think that, once you get EX clean -- and Chase usually pulls EX, but have been doing some double pulls based on what some have said here -- you should be in a position to apply for pretty much anything you want.  If you go on a spree, you might want to think about the 2-4 cards you'd like to have, and apply for them. Ideally?  I'd recommed 3 cards, would round out your portfolio nicely.  Others have recommended some outstanding cards, just depends on what would suit your needs.  Chase and AMEX is usually a "can't go wrong" proposition !

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 823 TU = 822 as of 07/15
Established Member
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Registered: ‎01-21-2010
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Re: CC suggestions for upper 700 score.

UPDATE    ON 4/8 I call my cred union and request a CLI on my CC from 1K to 6K. While I'm at it I mention that I will be also applying for an auto loan in the future. They start the app process and the next day I get a call saying they approved both requests. 6K is my highest ever limit. I will let that report then make my next move. By the way all through  the phone app process I am clear in my mind that they will pull EQ since they did the first time(last yr) when  I apped for a CC. Wrong. They pulled EX the same report I didn't want pulled. Once I found out I was mad at myself for not making sure before authorizing the LO to pull my credit. Guess it doesn't matter now since I accomplished my goals with the CU.

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Re: CC suggestions for upper 700 score.

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Registered: ‎12-19-2012
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Re: CC suggestions for upper 700 score.

Congrats! I would garden that card for at least 6 months before applying with Chase to minimize the chance of them giving you a low limit.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
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