Reply
Contributor
Gh0st
Posts: 79
Registered: ‎02-20-2010

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.
Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012

Re: Credit card suggestions? Help appreciated

[ Edited ]

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
Revelate
Posts: 8,329
Registered: ‎12-30-2011

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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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! :smileyhappy:

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Gh0st
Posts: 79
Registered: ‎02-20-2010

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
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
jamie123
Posts: 739
Registered: ‎03-22-2012

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 658 6/18/12
Current Score: EQ 665 7/21/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
Take the FICO Fitness Challenge
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+