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Credit card suggestions? Help appreciated

Contributor

Credit card suggestions? Help appreciated

My transunion is at 753.

 

 

Currently I have 

NFCU:13k

 

Citi Foward:7.2k

JCP: 4.2k

Discover:3.5k

Chase freedom:1k

Amex znyc( thinking about canceling this)

 

I think I should maybe apply for one or two more and let things grow since I'm going to start grad school soon. I want to cancel the amex due to the anual fee.  Any suggestions?

.Believe.
7 REPLIES
Frequent Contributor

Re: Credit card suggestions? Help appreciated

It couldn't hurt to try for an Amex revolver. Soft pull if denied and you get the backdating. Then you could cancel the Zync afterwards/right before the af hits.

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Moderator

Re: Credit card suggestions? Help appreciated

I would suggest an Amex BCE if you're looking at cancelling the Zync.  No sense bailing on the Amex relationship while in grad school I think.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Mega Contributor

Re: Credit card suggestions? Help appreciated


OptimasPrime wrote:

It couldn't hurt to try for an Amex revolver. Soft pull if denied and you get the backdating. Then you could cancel the Zync afterwards/right before the af hits.


I agree, take a look at their revolving cards and try it! Smiley Happy

 




EQ FICO 548 3/3/16
Contributor

Re: Credit card suggestions? Help appreciated

I was thinking about trying for the blue and maybe a credit union. USAA maybe? Penfed?

.Believe.
Mega Contributor

Re: Credit card suggestions? Help appreciated


Gh0st wrote:

I was thinking about trying for the blue and maybe a credit union. USAA maybe? Penfed?


PenFed has a great gas rewards credit card. They are very strict on approvals so you need a solid file to get it.

 




EQ FICO 548 3/3/16
Valued Contributor

Re: Credit card suggestions? Help appreciated

+1 on all the AMEX advice. Apply for a revolver and then cancel the Zync when the AF comes due. But really, $25 a year isn't too bad for that card.


Starting Score: EQ 653 6/21/12
Current Score: EQ 703 8/5/17 - EX 743 8/5/17 - TU 731 8/5/17
Highlighted
Mega Contributor

Re: Credit card suggestions? Help appreciated


jamie123 wrote:

+1 on all the AMEX advice. Apply for a revolver and then cancel the Zync when the AF comes due. But really, $25 a year isn't too bad for that card.


Exactly! I don't think i'll ever close down my Zync!

 




EQ FICO 548 3/3/16