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06-24-2013 07:07 AM
Just got a new car so while I already have some hits, I need some more cards. I would love travel, gas and hotel rewards. I travel for business and need a good points card for that.
I have scores EX 714, TU 745 EQ 652
I have 4 credit cards, never late, all under 8% BUT only about 4.5 years of garden time.
Any ideas? I did apply for Chase business but will get a letter in mail? So maybe not approved/maybe under review?
06-24-2013 07:16 AM
I have all of my accounts there including my business acount.
06-24-2013 07:25 AM
Gotcha. Does your business TID carry a good score also?
If you want good cards.. I would certainly recommend the Citi Diamond Preferred or the Bank of Americard Privileges - Or Amex Accelerated.
06-24-2013 07:30 AM
I am a sole proprietor so just my ssn.
I am just worried about my length of history getting in my way. I have NO debt, except the new Infiniti and perfect history.
I am wondering if my auto scores are more or less than what the CC's pull?
06-24-2013 07:33 AM
Whatever bank you had your loan from for your car most likely has a different algorithm for underwriting purposes for cc's, auto loans, mortgages etc.. Your score will vary from financial institution to financial institution.. Chase could put you at 730 while BoA could put you at 790...
To get your true FICO, check it on here.. Or if you want a decent free score that will be close to your true fico, try CreditKarma.com
06-25-2013 06:36 AM
Anyone else have some ideas of some easy cards to apply for and get?
I have that 4.5 yr history of perfect payments, twomedical collections and new car loan.
06-25-2013 10:01 AM - edited 06-25-2013 10:09 AM
06-25-2013 10:06 AM
first call the backdoor number from sticky above for Chase Business and recon the card you applied for and see what they say if still decline on reasons and see if you can't at least get report pulled out of them and possibly score they have (I assume they pulled EX)
Barclay - and many business card options USAir...
Try the pre-qual link on Citicards.com - DONT apply right now if you don't get an offer... if you get offer... DO IT!
Discover has a pre-qual to... see what it says.
creditcards.com - see if you get any "Exclusive offers" I think is the wording they use... if you don't get exclusive offers then I might skip applying for anything just yet...
If those scores are Infiniti - Good chance they are higher then your scores pulled for credit cards... at least they were for me when I bought mine... What you get? congrats!
06-25-2013 10:49 AM
I currently have three capital one's and a first premier card, all in good standing and under 8%.
Chase hasn't declined yet. I called and it's still under review.
I never get offers in the mail for anything which worries me. I just want a card that I can use for business to purchase gas, car maint, flights, hotels, etc and get rewards on them to earn free flights, stays, etc.
There's got to be something! =)
I got a 2013 G37 sedan sport fully loaded blk/blk. It's awesome!