Nervous to apply need help choosing

[Skye12329]

So as i have mentioned before i am going to be applying for a new Visa in 2015. I need help choosing a card that is going to approve me, in 2015 my stats will be :

100% on time payments

Less than 30% Util

44k income

AAOA around 2yrs maybe a little over

I will have 0 INQ across the board

So my question is whom should i go with for Visa? I hear all these things about Citi and Chase being hard to get, which makes me nervous but i also hear that those 2 are easy, i would prefer to stay away from Cap1 i already have a card, of which i hear Citi doesnt like giving you too many accts when you already have them, i have Citi BB card and Citi Sears MC so 2 accts with them technically. 

[FinStar]

A lot can change between now and 2015.  Unless things remained static on your profile, it would be difficult to predict what you would qualify for.  Additionally, a lot of credit products mature and/or cease to exist (or get nerfed), this also includes economic cycles/trends that could impact credit underwriting.  It would probably be a good idea to check as you get close to apply and see what offers may be available.

[ptilda]

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@FinStar wrote:

A lot can change between now and 2015.  Unless things remained static on your profile, it would be difficult to predict what you would qualify for.  Additionally, a lot of credit products mature and/or cease to exist (or get nerfed), this also includes economic cycles/trends that could impact credit underwriting.  It would probably be a good idea to check as you get close to apply and see what offers may be available.

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+1

Not only your stats will change, but options for cards will change. Develop your "wish-list" by checking out these forums, but there's no need to decide now.

[Skye12329]

I know things could change, but i was basically wondering which bank is a little easier to get?

[ptilda]

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@Skye12329 wrote:

I know things could change, but i was basically wondering which bank is a little easier to get?

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Credit union. Build a good relationship with a great local CU and you'll be in a good spot in a year.

[FinStar]

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@ptilda wrote:

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@Skye12329 wrote:

I know things could change, but i was basically wondering which bank is a little easier to get?

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Credit union. Build a good relationship with a great local CU and you'll be in a good spot in a year.

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+1  if you decide to go the CU route.  For the majors there's really no "easier" elegibility criteria... it all depends on a lot of factors, which again, could change by 2015. 

[Creditaddict]

Do you mean 2014 or really over a year from now?

[FinStar]

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@Creditaddict wrote:

Do you mean 2014 or really over a year from now?

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Oh I think he meant 2015.  2014 would be a given/much easier to provide direction.

[djc1puno]

too many variables that can happen from now to 2015...i agree, tho, CUs the way to go

[takeshi74]

Is approval really all that matters?   Give us some criteria to narrow down the options.

I'd +1 that's it's too early to be deciding now.  You can certainly make a wish list but don't expect it to remain static.