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Frequent Contributor
Posts: 331
Registered: ‎09-26-2009
0

Looking for a Visa or MC that will give me a decent CL

Hey All, I need some advice on getting a CC that will give me a decent CL to help with my util and allow me to close a couple of my low limit cards that won't be growing. Here's a look at my profile:

 

CapOne - $500CL/$0 bal.  HSBC - $520CL/$0 bal.   BBRZMC - $500CL/$0 bal.

Zales - $1500CL/$0 bal.   Kay's - $1300CL/$0 bal.   Macy's - $2000CL/$0 bal.

Travelocity Amex - $4000CL/$2000 bal.   Amex Zync   Amex Platinum

CFECU (local CU) - $500CL/$0 bal (CLI request was denied due to new accounts opened, the rep said I should wait until the end of the year and then request again)

Auto loan - $34k/$15k bal.   Personal loan with CU - $2600/$1400 bal.(I'll be paying this off once I get my tax refund next week)

 

Opened in 2009

Opened in 2010

 

I have nothing negative on my any of my CR's

My INQ's however are on the high side (TU-7  EQ-11 EX-14) half of them are set to fall off later this year.

 

My latest scores are in my signature. So any advice on a card I should look at would be great, I want something that I can use a backup to my Amex's and that will report a CL. If anyone thinks I should wait before getting another card, let me know, I value all opinions Smiley Wink


AMEX Platinum NPSL | AMEX Zync NPSL | AMEX Delta Platinum $4000 | Travelocity Amex $4000 | CapOne No Hassle Rewards $2500 | BBRZ MC $800 | Local CU Visa $1000 | Kay $2000 | Citi Hilton HHonors Reserve $5000 | Chase Marriott Rewards $5000 | BankAmericard Travel Rewards Visa $7000 | Discover IT $1000
In the garden until 10/2014
Regular Contributor
Posts: 183
Registered: ‎05-06-2010
0

Re: Looking for a Visa or MC that will give me a decent CL

I would get that Amex balance down to less than $400 before applying for anything.


Starting Score 5/06/10: TU: 671 EQ: 633 EX: ???
Current Score 2/05/11: TU: 790 EQ: 782 EX: 745
Goal Score: 800


Take the FICO Fitness Challenge

PSECU Visa/PSL $20k - USAA Plat MC $11k - AMEX Premier Rewards Gold - AMEX Zync - Citi Diamond Preferred MC - Discover More $2.5k
Frequent Contributor
Posts: 331
Registered: ‎09-26-2009
0

Re: Looking for a Visa or MC that will give me a decent CL

Thanks, yeah I'll have that paid down next week.


AMEX Platinum NPSL | AMEX Zync NPSL | AMEX Delta Platinum $4000 | Travelocity Amex $4000 | CapOne No Hassle Rewards $2500 | BBRZ MC $800 | Local CU Visa $1000 | Kay $2000 | Citi Hilton HHonors Reserve $5000 | Chase Marriott Rewards $5000 | BankAmericard Travel Rewards Visa $7000 | Discover IT $1000
In the garden until 10/2014
Regular Contributor
Posts: 204
Registered: ‎12-20-2010
0

Re: Looking for a Visa or MC that will give me a decent CL

Have you tried Addison Ave, BofA, or PSCU credit card.. Ive heard great things about them and i have personal experience with the first 2.


Starting Score: TU 608, Eq 618
Current Score: TU 782 Eq 780, Ex 789(psecu)
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 331
Registered: ‎09-26-2009
0

Re: Looking for a Visa or MC that will give me a decent CL

Thanks Albert

I thought about BofA since that's one of my banks, what do they look for score wise? Do you think I would have a shot with my current profiel?


AMEX Platinum NPSL | AMEX Zync NPSL | AMEX Delta Platinum $4000 | Travelocity Amex $4000 | CapOne No Hassle Rewards $2500 | BBRZ MC $800 | Local CU Visa $1000 | Kay $2000 | Citi Hilton HHonors Reserve $5000 | Chase Marriott Rewards $5000 | BankAmericard Travel Rewards Visa $7000 | Discover IT $1000
In the garden until 10/2014
Regular Contributor
Posts: 183
Registered: ‎05-06-2010
0

Re: Looking for a Visa or MC that will give me a decent CL

Since you're a member of PSECU, you should check out their Visa.


Starting Score 5/06/10: TU: 671 EQ: 633 EX: ???
Current Score 2/05/11: TU: 790 EQ: 782 EX: 745
Goal Score: 800


Take the FICO Fitness Challenge

PSECU Visa/PSL $20k - USAA Plat MC $11k - AMEX Premier Rewards Gold - AMEX Zync - Citi Diamond Preferred MC - Discover More $2.5k
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Regular Contributor
Posts: 204
Registered: ‎12-20-2010
0

Re: Looking for a Visa or MC that will give me a decent CL

I think you would qualify for a BofA card My experian score is almost identical to yours (689 pulled by mortgage lender)  About the same inquiries-- I have 12 in the last 2 years.. I didnt get a high limit, but since you probably have a longer history than i do  you would probably qualify for a decent limit, their backdoor number is awesome.


Starting Score: TU 608, Eq 618
Current Score: TU 782 Eq 780, Ex 789(psecu)
Goal Score: 780 across the board


Take the FICO Fitness Challenge
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