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Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Credit Card High Limit $2000

[ Edited ]

Okay so I know most of you guys having credit cards for year. I'm kinda wanna get some good credit card but don't know where to start. So I want to open a new thread for most of our newbie credit life. 

What the most credit line you get beside amex ...

2. Score ??

3. How much increase each time ?? And how long ???

4. Benefit ofcards credit cards ???

5. Good credit card for 670 to 700 ??

Thanks guys'


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Credit Card High Limit $2000

Nobody ...?? Guys ???


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
jamesdwi
Posts: 1,949
Registered: ‎09-16-2011
0

Re: Credit Card High Limit $2000

Chase Freedom  should approve, not sure what CL you will get.  

Paypal Rewards plus MC is a possibility I was approved with a 685 with a 2k CL 

 


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.
Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Credit Card High Limit $2000

[ Edited ]

nicholasyud wrote:

Okay so I know most of you guys having credit cards for year. I'm kinda wanna get some good credit card but don't know where to start. So I want to open a new thread for most of our newbie credit life. 

What the most credit line you get beside amex ...

2. Score ??

3. How much increase each time ?? And how long ???

4. Benefit ofcards credit cards ???

5. Good credit card for 670 to 700 ??

Thanks guys'


Cap1 and WF Secured  all scores between 540 and 550.  Received them early June this year.

 

Fast forward to this week (9/10/12):

 

AMEX Zync NPSL - EX probably around 690ish

AMEX Delta CL $2000 - Was borderline approval, they also pulled EQ and TU (didnt pull EX again).  I should get scores from this as I doubt I got the best API.  EQ was 661, TU 680, EX about 690ish

Chase Amazon CL $2000 - EX and EQ pulled.  661 EQ EX 690ish  Approved at highest API :smileysad:

Walmart Discover CL $1800 - TU 680

 

All these cards are good for your 670-700 range.  You can also look at Barclays, Chase Freedom and some of the lower Citi cards.  Walmart Discover gives good CLI every 4 months.  AMEX Delta will be eligible for 3x CLI 61 days after activation.  Chase is a HP for CLI so will not push that card for a while. 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Credit Card High Limit $2000

[ Edited ]

Amex would be my number 1 list but I don't flight that much so I guess Delta not going to be my choice......but thanks duccar it's very specific.....

Ducar you just app for 4 cards recently...what your AAOA and ana baddie .. Goodie ...


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Credit Card High Limit $2000

AMEX has several other co-branded cards for hotels and the like that have similar credit requirements.  You could probably substitute one of those for Delta.  I'll be traveling a ton over the next year so the $25 free baggage check-ins and priority boarding are a win for me.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Credit Card High Limit $2000

What about Amex BCE ...???

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
jamesdwi
Posts: 1,949
Registered: ‎09-16-2011
0

Re: Credit Card High Limit $2000

You can try, but unless your income is high, it will be denied, with your current score, AMEX likes 690+ for revolers but YMMV.

 

 


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.
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Credit Card High Limit $2000

MyMy income about 40 000 664 score now


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
jamesdwi
Posts: 1,949
Registered: ‎09-16-2011
0

Re: Credit Card High Limit $2000


nicholasyud wrote:

MyMy income about 40 000 664 score now


you can try, but I don't think its likely, i meant 80k+ a year is what they consider high.  May be a good time to get a AMEX zync,  small AF but most likely a NPSL great for UTL and decent rewards and a place holder for your membership date,  get in now, and get BCE in january and get a card that is 8 months older than your ZYnc thank to backdating. 

 

 


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.

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