09-02-2012 05:36 AM
Been killing builders and adding prime cards the last couple months and still need a good MC. After I get my MC and Amex I should be set for my credit card needs.
My current lineup:
USAA Rewards Visa, 3k limit, used as my everyday spending card
Local CU Visa, 3500 limit, used to pay my 2 car loans that are also through the CU
Discover More, 3k limit, use this for the 5% categories and also for bigger purchases since it has no interest for 18 months
Barclays Apple, 3500 limit, only used to pay my netflix to show activity
Cap 1 Mastercard, 750 limit, will be dropping this one today!
USAA Secured Amex, 500 limit, got this to get my foot in the door with USAA, I also use is for buying electronics/appliances to take advantage of buyer protection/extended warranty. Hopefull getting a true Amex next month and this will be closed after the 2 years is up.
So after closing my Cap 1 that will leave a hole in the MC department. The wife and I are starting to travel a little more so maybe a MC geared towards that? What are some of the better MC's you are carrying? I tried for the Barclays Rewards MC but becasue im a resident of IA, they wont issue me one.
09-02-2012 05:42 AM
Here a quick breakdown of my crdit profile:
2 derogs, 5+ years old
INQ in the last year, 4-ex, 4-tu, 5-eq
09-02-2012 05:53 AM
You could probably go for a Chase Freedom MasterCard. You may get a 7-10 day message, but you would probably have success in recon. Make sure you go through the MasterCard website to apply though.
09-02-2012 06:04 AM
Ive considered this option, it seems as though Chase offers relatively low initial credit limits. I actually have a charged off Chase account from 12 years ago so Im not sure if they would issue me a card anyways.
09-02-2012 06:32 AM
I was thinking about Citi for a MC, not sure if my current scores/profile will get me in the door though.
09-02-2012 06:46 AM
09-02-2012 06:51 AM
09-02-2012 07:09 AM
@LS2982, Thats what I was thinking. I wasnt sure if they black listed or not.
09-02-2012 07:26 AM
09-02-2012 07:32 AM
Intersting, I was digging through my credit rebuild book and was looking through my previous denial letters and found one from Chase. I guess I apped with them back in May on a mini app spree, only denial reason listed:
"Your credit report reflects delinquent past/present credit obligations"