Credit Cards

[jaybird201]

---

refskuska wrote:

Schwab Invest First Signature Visa - 2% on everything else AND all foreign purchases because of 0% FETF, redeemed monthly into a great investment account

---

preach it!  

[refskuska]

It's my 2nd CC... I still cannot believe I was approved with only 8 months of credit history.

I was very excited. I think it is the best universal cashback card!

Message Edited by refskuska on 06-17-2009 06:26 AM

[upnorth]

One is Chase Cashback platinum. My other dream card is the Schwab cash back.

Today, I applied on-line for a Schwab 2% Cashback, but I got a screen telling me i would be notified in 7-10 days. All 3 of my credit files were frozen and I had temporarily lifted my freeze for EQ. I don't know why they denied it. Do you tink they might want credit reports from all 3 agencies?

BTW, my myfico score on EQ was 798. Is there a chance that Bank of America is not giving new credit even at 798 score?

Message Edited by upnorth on 06-17-2009 08:15 PM

[Chopbrocoli]

---

upnorth wrote:

 I don't know why they denied it. Do you tink they might want credit reports from all 3 agencies?

Message Edited by upnorth on 06-17-2009 08:15 PM

---

FIA card services pull Experian. If I were you, I'd call to check you app status and rectify any issues before they reject the app just because they can't access EX. 

[TangMeister]

Love these type of questions, and reading people's responses.  I already have my three faves, but here they are:

Penfed Cash Rewards Visa - Gets all my gas and groceries.  It's also my "go to" card.

Discover More - I'm a rewards junkie.  Their 5% rotating categories are always useful to me.

Nordstrom Visa Signature - Love Nordies, and their Visa Sig is just so shiny and purty to flash at checkout.  

[cattracks]

I would like a Discover More card, a Macy's card and a Citibank card.

I am going to wait 6 months- pay down my credit cards a bit more and apply for one of the 3. 

[upnorth]

-------------------------------

chopbrocolli wrote:

FIA card services pull Experian. If I were you, I'd call to check you app status and rectify any issues before they reject the app just because they can't access EX. 

---------------------------------------

thanks for your insight, your were right. I called them and was told that their automated system had already sent me  a denial. They took my permission to reactivate my application, and then pulled up my EX and the person on the phone asked me a few questions like salary, length of credit history etc. He approved my application with a CL of $25,000 and asked if that would be sufficient. I said yes, for sure. I then refroze my credit file. I wont need to open it for  a few more years.

6-17-09 EX FICO 798

Message Edited by upnorth on 06-19-2009 07:37 AM

[Romeoo47]

My top 3 favorites right now include:

(1) Chase Freedom -- so long as I continue to get 3% on my top 3 categories each month;

(2) AMEX Costco -- unfortunately I dine out a lot and the 3% on restaurants come in handy; and

(3) Discover Open Road -- 5% cashback on things for my automobile like gas, cashwash, etc (however there is a monthly cap)

Now, I just need to find a card for my house.