02-18-2011 06:36 PM
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
02-18-2011 06:40 PM
I would get that Amex balance down to less than $400 before applying for anything.
02-18-2011 06:45 PM
Thanks, yeah I'll have that paid down next week.
02-18-2011 07:44 PM
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.
02-18-2011 07:50 PM
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?
02-18-2011 07:51 PM
Since you're a member of PSECU, you should check out their Visa.
02-18-2011 08:05 PM
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.