Credit Cards

[drewrico]

Chase card finder didnt have any prequalified offers for me.  

Walmart card is fairly easy to get approved for? I do have quite a few inquiries though... also, for some reason when i got my it card, it said my equifax was 639. however i recieved my penfed denial letter and it said my equifax was 559? why would there be such a huge drop if they were pulled a day apart?

[mirachi]

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drewrico wrote:

Chase card finder didnt have any prequalified offers for me.  

Walmart card is fairly easy to get approved for? I do have quite a few inquiries though... also, for some reason when i got my it card, it said my equifax was 639. however i recieved my penfed denial letter and it said my equifax was 559? why would there be such a huge drop if they were pulled a day apart?

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Did you have any other cc apps in between?

[drewrico]

no, literally a day apart.

[drewrico]

How about an amex charge card? 

[ukimafija]

You don't need any more cards, so far from what i've read, you just need to pay the cards 8-12 months until you get  a year+  of credit experience, ask for a CLI after 6 months on all the cards. Stop getting those toy limit cards. Build a history and than get real prime cards. I got my Freedom visa Signature at 5400 after a year of credit History 730CS. After that is easy, prime cards only 5+K

[dodgeball]

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drewrico wrote:

Chase card finder didnt have any prequalified offers for me.  

Walmart card is fairly easy to get approved for? I do have quite a few inquiries though... also, for some reason when i got my it card, it said my equifax was 639. however i recieved my penfed denial letter and it said my equifax was 559? why would there be such a huge drop if they were pulled a day apart?

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Most people on this board dont know it but Penfed does not use a Fico score, they have a internal scoring model that they use. If you want a Amex branded card with your score I would recomend BofA Amex they tend to pull Transunion.

[toppers555]

I would recommend taking care of the high utilization before applying for any more cards. 

[Imua]

since you already have 2 discover cards, it would seem sam's or walmart might not be your first choice (you indicated you wanted visa or amex, and both sam's and walmart are associated with discover)

i personally don't have experience with costco (and the costco amex), so i don't know what credit scores they approve, but maybe some other posters can chime in if they think you would qualify for costco amex.

if it were me, with 2 discovers, i would probably go for visa before amex... just because discover and amex are not accepted everywhere (i would want either a visa or MC to use just in case).

i would suggest chase freedom (they have both MC and visa versions).  but only after getting your utilization down

EDIT:  oooops! hit the post button before i finished my thoughts!

[Imua]

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toppers555 wrote:

I would recommend taking care of the high utilization before applying for any more cards. 

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yes!
this is a good rule of thumb for almost any situation

[MovingForward_2012]

I think the Chase card finder wouldn't have anything for me either since I had to do a recon so you could still get approved. When I was approved for the Freedom, the rep barked over my 28% utility since I paid in full after the statement cut this month. So if you get your Utl down, you can probably get approved then.