Looking to App for a new CC. AMEX? Discover? Chase?

[DonnyP05]

---

@Appleman wrote:

Need a chance at a larger credit line, or at least one you can likely grow considerably?

Synchrony Bank is always good for calling in and getting a CLI.

AMEX, Maybe Delta Gold or a Cash Card. Use the 3X CLI option.

I have had luck with the Cap1 Venture card but YMMV.

I guess the big decision is if there is anything you really need or just want to plan and try for that product.

---

I would just like to get another major CC. Help increase my available credit and lower my overall utilization. Plus I see a lot of online shopping offers good discounts/specials for certain CC's (mainly discover)

Does Discover still offer the 12 month double cash back?

[bourgogne]

---

@DonnyP05 wrote:

---

@omfgpart2 wrote:

---

@DonnyP05 wrote:

---

@Anonymous wrote:

---

@DonnyP05 wrote:

Actually Utilization is 21%, I figured it out

Would you need the bankcard scores, that are used in credit card lending? 

or 

The genaric scores that are used in mortgage lending?

---

Fico 8 classic.

---

EQ is 701

TU is 710

EX is 761

---

you scores are good and the cards on your hit list are all good. do you per-qualify for any of them? discover pq is worthless but if you qualify with chase or amex chances are you will get that card. good luck, app away and post the results

---

I will try that thank you, does that invovle any hard pulls or credit dings?

---

negative, a per-qualify will never do an hp. what you are looking for are the words 'congratulations your name' not something generic. Your scores are really great, hopefully that is what mine will report once my post app spree dust settles in a few months lol. but seriously you should be able to app for most anything and get it. travel or cash back is the question. I pif so I don't care about apr so that is why I like amex. make sure to post your results

[Anonymous]

be mindful of chase 5/24 rule. make sure to app for chase card/s first if you want them.

seems like you like discover it already. i highly recommend it if your going for CB card. as far as i know, they still do the double your cb after a yr. if you know of somebody who already has discover it, ask them to refer you (email). there's a bonus for both of you.

for amex, if you could, wait to app when the bonus is at the highest (ex. PRG @50k, EveryDay @25k). amex only does once a lifetime sign up bonus. doesn't hurt to maximize it. read upon 'amex 3x cli' too.

goodluck!

[DonnyP05]

The pre qualifiers were as follows:

Chase

- Freedom

- Slate

Didn't see offer for freedom unlimited

American Express

- AMEX Everyday CC

- Gold Card

No BCE or BCP

[bourgogne]

---

@DonnyP05 wrote:

The pre qualifiers were as follows:

Chase

- Freedom

- Slate

Didn't see offer for freedom unlimited

American Express

- AMEX Everyday CC

- Gold Card

No BCE or BCP

---

you can pc the freedom to an fu and if the limit is >5k they will give you a sig card. re amex, just a gold or a prg with the 50k offer? if no prg try another browser for amex see if that changes anything

[DonnyP05]

---

@omfgpart2 wrote:

---

@DonnyP05 wrote:

The pre qualifiers were as follows:

Chase

- Freedom

- Slate

Didn't see offer for freedom unlimited

American Express

- AMEX Everyday CC

- Gold Card

No BCE or BCP

---

you can pc the freedom to an fu and if the limit is >5k they will give you a sig card. re amex, just a gold or a prg with the 50k offer? if no prg try another browser for amex see if that changes anything

---

Browser didn't change anything, same card offers.

Just regular gold card with 15,000 welcome points

[bourgogne]

---

@DonnyP05 wrote:

---

@omfgpart2 wrote:

---

@DonnyP05 wrote:

The pre qualifiers were as follows:

Chase

- Freedom

- Slate

Didn't see offer for freedom unlimited

American Express

- AMEX Everyday CC

- Gold Card

No BCE or BCP

---

you can pc the freedom to an fu and if the limit is >5k they will give you a sig card. re amex, just a gold or a prg with the 50k offer? if no prg try another browser for amex see if that changes anything

---

Browser didn't change anything, same card offers.

Just regular gold card with 15,000 welcome points

---

drat, 15 is no 50 -- I wonder if calling would yield a different result - can't hurt to try 1-800-528-4800