Credit Cards

turn on suggestions Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Reply
Topic Options
Established Member
nissanaltimacrazyhorse
Posts: 54
Registered: ‎10-24-2011

Re: Help me think im good longish term

Options

‎09-03-2012 07:52 PM

so the capital one cards are cancelled i just got done shredding them.  Ill update when i get the other 2 cards

chase sapphire preferred 5k
amex hilton honors 5k
amex blue cash preferred 2.5k
local credit union 7k
cabelas visa 500 lol

trans union 705 goal 750
equifax 675 goal 750

Message 21 of 37 (261 Views)
 
Reply
Frequent Contributor
Razeus
Posts: 351
Registered: ‎04-02-2012

Re: Help me think im good longish term

[ Edited ]
Options

‎09-03-2012 08:20 PM - edited ‎09-03-2012 08:21 PM

Good job. Now you can focus on getting prime cards. 

My Wallet:
Discover It $11,000 | Chase Freedom $5000 | AMEX BCE $3000 | Paypal Extras Platinum $3,000 | Wells Fargo $1,000 | AMEX Zync NPSL

I want:
AMEX BCP | Chase Sapphire Preferred | US Bank Cash+ | Citibank Dividend Preferred
Message 22 of 37 (248 Views)
 
Reply
Established Contributor
emptypockets
Posts: 516
Registered: ‎02-03-2009

Re: Help me think im good longish term

Options

‎09-03-2012 08:45 PM

The Cabela's Visa is a decent card, especially if you shop there. You get 2% cash back there, plus $25 in cash backupon approval. Plus 1% cash back on everything else. No AF, andtithe interest rate is decent (mine is 12%).  They pull a hard on EQ for CLI's.

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Visa Sig Cash+, Chase CSP/Freedom/Marriott, UMB Visa, Dillard's AMEX, US Airways MC, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend, Discover More, Walmart Discover, Cabela's Visa, Cap One Cash Rewards Visa, BOA Better Balance Rewards MC, Jared, Kohl's, Macy's.

Current Scores: EQ (5/19/13): 743; TU (MyFico 5/19/13):766; Walmart TU Fico 08 (5/13/13): 791; EX (8/21/12 AMEX pull): 779
Message 23 of 37 (240 Views)
 
Reply
Moderator
Moderator
webhopper
Posts: 6,697
Registered: ‎09-16-2011

Re: Help me think im good longish term

[ Edited ]
Options

‎09-03-2012 08:47 PM - edited ‎09-03-2012 08:47 PM

emptypockets wrote:

The Cabela's Visa is a decent card, especially if you shop there. You get 2% cash back there, plus $25 in cash backupon approval. Plus 1% cash back on everything else. No AF, andtithe interest rate is decent (mine is 12%).  They pull a hard on EQ for CLI's.

I've considered this as a card for my husband. Do you know what the approval scores needed are?  He's credit challenged at the moment, but rebuilding via NFCU Platinum card with a 4k limit
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
Message 24 of 37 (236 Views)
 
Reply
Established Contributor
emptypockets
Posts: 516
Registered: ‎02-03-2009

Re: Help me think im good longish term

Options

‎09-03-2012 08:53 PM

I would have to research the boards some, but can tell you that when I was approved in 2009, my score was around 660ish, with a 7 yo BK still reporting. There have been some mixed reports of them no longer being BK friendly, as of late.

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Visa Sig Cash+, Chase CSP/Freedom/Marriott, UMB Visa, Dillard's AMEX, US Airways MC, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend, Discover More, Walmart Discover, Cabela's Visa, Cap One Cash Rewards Visa, BOA Better Balance Rewards MC, Jared, Kohl's, Macy's.

Current Scores: EQ (5/19/13): 743; TU (MyFico 5/19/13):766; Walmart TU Fico 08 (5/13/13): 791; EX (8/21/12 AMEX pull): 779
Message 25 of 37 (233 Views)
 
Reply
Moderator
Moderator
webhopper
Posts: 6,697
Registered: ‎09-16-2011

Re: Help me think im good longish term

Options

‎09-03-2012 08:55 PM

Thanks for the info :smileyhappy:

 

So far I've got the following options to present him with: Cabelas Visa (the ammo for my gun there is a really good value),  Wal Mart Discover, another NFCU card.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
Message 26 of 37 (230 Views)
 
Reply
Established Member
nissanaltimacrazyhorse
Posts: 54
Registered: ‎10-24-2011

Re: Help me think im good longish term

Options

‎09-03-2012 08:56 PM

my equifax was 673 at time of approval, credit limit should determine how good they thought that score was

chase sapphire preferred 5k
amex hilton honors 5k
amex blue cash preferred 2.5k
local credit union 7k
cabelas visa 500 lol

trans union 705 goal 750
equifax 675 goal 750

Message 27 of 37 (229 Views)
 
Reply
Moderator
Moderator
webhopper
Posts: 6,697
Registered: ‎09-16-2011

Re: Help me think im good longish term

Options

‎09-03-2012 08:58 PM

nissanaltimacrazyhorse wrote:

my equifax was 673 at time of approval, credit limit should determine how good they thought that score was

Please keep us updated!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
Message 28 of 37 (222 Views)
 
Reply
Established Member
nissanaltimacrazyhorse
Posts: 54
Registered: ‎10-24-2011

Re: Help me think im good longish term

Options

‎09-03-2012 09:19 PM

i will probably wont be here till early next week. My cu card might be here this week

chase sapphire preferred 5k
amex hilton honors 5k
amex blue cash preferred 2.5k
local credit union 7k
cabelas visa 500 lol

trans union 705 goal 750
equifax 675 goal 750

Message 29 of 37 (217 Views)
 
Reply
Moderator
Moderator
webhopper
Posts: 6,697
Registered: ‎09-16-2011

Re: Help me think im good longish term

Options

‎09-03-2012 09:29 PM

nissanaltimacrazyhorse wrote:

i will probably wont be here till early next week. My cu card might be here this week

All the new plastic will be fun for you :smileyhappy:  I'm jealous

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
Message 30 of 37 (213 Views)
 
Reply

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
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+