Credit Cards

[nicholasyud]

How long usually you gues app for another credit card ?? and how many each time ? i currently have 3 credit card but no rewards or anything like that....i want something like Discover or Amex.....my recent 3 months old ?

[firesoul453]

Just do it lol. A HP is a HP. Do you have a lot of recent ones? If thats the only thing bad about your report, then just don't apply for a Barleycard lol.

[Shogun]

When you app it's generally a good idea to do it in a spree.   Go for the ones you want and let them age together.

[nicholasyud]

my two credit card would be 1 years anniver this october and the recent one is 3 months old...i have student load in 2008 and never late on anything ever since....do have 2 charge off $0 balance and 1 collection from charge off with $1400 balance.......current score 664 in both trans and equifax ? what cards should i go for guys ?

[firesoul453]

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nicholasyud wrote:

my two credit card would be 1 years anniver this october and the recent one is 3 months old...i have student load in 2008 and never late on anything ever since....do have 2 charge off $0 balance and 1 collection from charge off with $1400 balance.......current score 664 in both trans and equifax ? what cards should i go for guys ?

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Whats your goal? I personaly go for the max cash back and got a discover card and a chase freedom (rotating cateogires of %5 cash back), and use my cap1 with unlimted 1.25% cash back.

Don't nessarliy go for the best cards (your ultimate goal) but get somethign better.

[LS2982]

I'd give Discover a try, your scores are borderline for them.

[nicholasyud]

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LS2982 wrote:

I'd give Discover a try, your scores are borderline for them.

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i probably get hit with around 1000 limit right ? my three credit card is 500 400 and 400

[LS2982]

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nicholasyud wrote:

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LS2982 wrote:

I'd give Discover a try, your scores are borderline for them.

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i probably get hit with around 1000 limit right ? my three credit card is 500 400 and 400

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Possibly. They might even do $500. (hopefully not)

[nicholasyud]

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LS2982 wrote:

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Possibly. They might even do $500. (hopefully not)

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if that the case....then forget it lol......i need some high credit to start with and stuff ? what do you guys think ? i dont need low limit credit in my pocket......telling you im gettting tired of it...and its my goal ;-)

[LS2982]

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nicholasyud wrote:

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LS2982 wrote:

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Possibly. They might even do $500. (hopefully not)

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if that the case....then forget it lol......i need some high credit to start with and stuff ? what do you guys think ? i dont need low limit credit in my pocket......telling you im gettting tired of it...and its my goal ;-)

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I would give it 6 months, get your score up a little more and you should get a nice CL from them.