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Need opinions on what I would qualify for...

New Contributor

Re: Need opinions on what I would qualify for...

Chase card finder didnt have any prequalified offers for me. Smiley Sad 

 

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?

Message 11 of 20
Regular Contributor

Re: Need opinions on what I would qualify for...


drewrico wrote:

Chase card finder didnt have any prequalified offers for me. Smiley Sad 

 

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?


Did you have any other cc apps in between?


Last app 5/7/2014

No apps until 3/31/2016!
Message 12 of 20
New Contributor

Re: Need opinions on what I would qualify for...

no, literally a day apart.

Message 13 of 20
New Contributor

Re: Need opinions on what I would qualify for...

How about an amex charge card? 

Message 14 of 20
Regular Contributor

Re: Need opinions on what I would qualify for...

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

BOA Cash Rewards Visa Sig. 12K; BOA Travel Rewards Visa Sig 5K, US Bank Cash+ 11.5K, AMEX BCE 6200, AMEX BLUE Sky 7K, Chase Freedom Visa Sig. 5400, Fort Knox FCU Visa Platinum 2500; CAP ONE Cash Rewards WORLD MC 5K

Starting Score: 580
Current Score: 747
Goal Score: 800+


Take the FICO Fitness Challenge
Message 15 of 20
Established Contributor

Re: Need opinions on what I would qualify for...


drewrico wrote:

Chase card finder didnt have any prequalified offers for me. Smiley Sad 

 

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?


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.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 16 of 20
Established Contributor

Re: Need opinions on what I would qualify for...

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



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Message 17 of 20
Frequent Contributor

Re: Need opinions on what I would qualify for...

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!

 


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Message 18 of 20
Frequent Contributor

Re: Need opinions on what I would qualify for...


toppers555 wrote:

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


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


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Message 19 of 20
Valued Contributor

Re: Need opinions on what I would qualify for...

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.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 20 of 20