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Contributor
Posts: 82
Registered: ‎02-20-2010
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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
Posts: 348
Registered: ‎08-17-2012
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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 Emeritus
Posts: 12,886
Registered: ‎12-30-2011
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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 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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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

 




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
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Contributor
Posts: 82
Registered: ‎02-20-2010
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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
Posts: 15,442
Registered: ‎04-09-2011
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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
Valued Contributor
Posts: 1,247
Registered: ‎03-22-2012
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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 705 6/21/15 - EX 783 6/21/15 - TU 707 6/21/15
Goal Score: EQ 720+
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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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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
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