Looking for Card recommendation

Duncanrr · ‎07-18-2012

I'm thinking that in order to address my main weakness (history of late payments) that I would need to add a couple more tradelines. My AAoA is good right now so don't want to add too many (1 or maybe 2). I plan on apping for AMEX and NFCU in the future but need something else before then.

Any suggestions? (Note: I'm aware of Whogavemecredit site. I'm looking for specific recommendations). I would rather try to avoid any pulls to EX as I need that for AMEX later. Not too concerned about NFCU as I don't think the inquiries will hurt me as much with them).

Cards I'm considering: Walmart Discover, Dillards store card, Barclays iTunes Visa....and long shots Discover More/Chase Freedom (Do I even have a chance on these two??)

Thanks,

Duncan

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

espnjunkie · ‎07-18-2012

Given those scores I would garden for at least six months before applying for anything. Right now based on FICo scores alone you are borderline to be accepted, most likely denied. Make on time payments, wait it out for a bit and once those scores rise up then apply =)

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)

Duncanrr · ‎07-18-2012

What level scores should I wait till? 680+?

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

espnjunkie · ‎07-18-2012

Depends on what you are wanting to apply for, but I'd recommend applying once your scores are all around 670, 680 to increase your chances of approval. Obviously the higher the scores, the better your shot is

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)