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I would love some advice...

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culture
Regular Contributor

I would love some advice...

hello everyone.....

 

my fico TU is 751  and EQ is 771 , im pretty sure they are both up since I lower my util .   

 

Im trying to get a rewards card .  Prolly going to app for a few things.. not sure .

 

I have a BoA  6.8k

Banana 4k

Local Credit union MC 4K

JC penny 800 

 

 

please give me your inside on whats a good choice .   I have 3 pulls in TU , 2 in EQ ..

Message 1 of 22
21 REPLIES 21
myjourney
Super Contributor

Re: I would love some advice...

IMO discover freedom and amex

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 22
jsucool76
Super Contributor

Re: I would love some advice...

What do you spend your money on. Do you travel? Want straight cash back, or points?

Do you mind AFs?
Message 3 of 22
LS2982
Mega Contributor

Re: I would love some advice...


@myjourney wrote:

IMO discover freedom and amex


I agree with both of these, AMEX BCE would be a good look as well.




EQ FICO 548 3/3/16
Message 4 of 22
culture
Regular Contributor

Re: I would love some advice...

In the next year or 2  I think I will travel 2 times a year at most.....

 

 

I dont mind .. the AF.....

 

 

Thanks for all the replies.......  which Discovery ?   

 

I see many people advice Freedom over Citi......     Chase sounds good.. with the rotating and the 1% on everything 

Message 5 of 22
myjourney
Super Contributor

Re: I would love some advice...


@culture wrote:

In the next year or 2  I think I will travel 2 times a year at most.....

 

 

I dont mind .. the AF.....

 

 

Thanks for all the replies.......  which Discovery ?   

 

I see many people advice Freedom over Citi......     Chase sounds good.. with the rotating and the 1% on everything 


Discover it card and yes the freedom is a great card 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 22
jsucool76
Super Contributor

Re: I would love some advice...

Discover it card is what they were talking about.

Chase freedom and discover it are basically the same card, both have rotating 5% categories. Both great cards. Bce/p would also be a great one like LS said.
Message 7 of 22
culture
Regular Contributor

Re: I would love some advice...

Pulled the trigger 

 

Got  the Freedom with 6k 

 

Amex  they put me on 14 day wait...  called to recon.... They told me that I needed to confirm my address in a letter that they will send because is a recent addy..

 

 

 

Message 8 of 22
myjourney
Super Contributor

Re: I would love some advice...


@culture wrote:

Pulled the trigger 

 

Got  the Freedom with 6k 

 

Amex  they put me on 14 day wait...  called to recon.... They told me that I needed to confirm my address in a letter that they will send because is a recent addy..

 

 

 


Bravo on freedom I think you got AMEX too congrats

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 22
FocusedAndDetermined
Senior Contributor

Re: I would love some advice...


@culture wrote:

Pulled the trigger 

 

Got  the Freedom with 6k 

 

Amex  they put me on 14 day wait...  called to recon.... They told me that I needed to confirm my address in a letter that they will send because is a recent addy..

 

 

 


Congrats!

Message 10 of 22
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