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
I would get that Amex balance down to less than $400 before applying for anything.
Thanks, yeah I'll have that paid down next week.
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.
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?
Since you're a member of PSECU, you should check out their Visa.
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.