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I've had this card long enough. Almost $200 in fees just to PAY THE BILL!!
I don't want to lose the CL tho, is there any average credit CC's out that would be a good replacement? Maybe one that could grow? I would love to wait til next year but I can't see myself paying them $11.00 to make a payment much longer.
@Anonymous wrote:
I would wait until your scores are over 660 and then apply for a cap1 maybe. Orchard is also a little more friendly when it comes to fees. I have a fp too and I'm planning to get rid of it, but I won't until I have overall CL of around 5-7k. I was just recently approved for Barclays and Amex ZYNC, so I'm almost there.
LS - what is the CL on your FP?
@clocktick wrote:
@Anonymous wrote:
I would wait until your scores are over 660 and then apply for a cap1 maybe. Orchard is also a little more friendly when it comes to fees. I have a fp too and I'm planning to get rid of it, but I won't until I have overall CL of around 5-7k. I was just recently approved for Barclays and Amex ZYNC, so I'm almost there.
LS - what is the CL on your FP?
$300. It's not alot but I would like to keep it and maybe have something that will grow with me. FP is axed by max feb. anyway but I want it gone sooner.
Your scores should be fine for both Capone and Orchard. Both are improvements over what you have, by a lot.
I would try for one of the Cap One rewards or even a Discover More.
Since you want to maintain the CL, the Zync would be out of the question since its a charge card with NPSL.
WAIT WAIT WAIT... With scores between 640-660 I would apply for American Express Zync, Barclay anything and call back door if declined or low limit given, skip Household!!!
MAYBE Cap1 if you do the pre-approval and they offer something, I would not cold apply...
But really if you can waste 2 inq I would do Amex and Barclay first.
Maybe a Citi card too and as another poster mentioned been seeing some lean in Discover lately in the mid 600's.