Reply
Valued Contributor
Posts: 1,180
Registered: ‎08-24-2013
0

Next CC

[ Edited ]

I plan to wait a few months to make it to a year and then apply for my next CC. I have about $5,000-$7,000 worth of house repairs I need to put on my card. It definitely has to have a long 0% APR period and offer cash back rewards. Income now 38,000. Looking at my sig, which card would be the best to add to my collection? I'm thinking Amex but they usually start with a low initial limit then give the  3x 60 day option. The thing is, that's not a guarantee. Any suggestions?

Discover IT-[16,600] Double Cash-[10,000] Home Projects Visa-[7,700] Chase Amazon-[6,000] Walmart Mastercard-[6,000] Paypal Xtras Mastercard-[6,000] SYNCB Amazon-[5,000] Slate-[5,000] Sallie Mae-[5,000] Overstock-[4,700] QuickSilver-[4,000] Double Cash-[4,000] Bclays Rewards Mastercard-[4,000] Mypoints Visa-[3,750] Ebates Visa-[3,200] Quicksilver-[3,000] Discover IT-[3,000] BOA Cash Rewards-[2,500] Sony Visa-[2,150] Vicky's Secret-[1,750] DSW Visa-[1,500] Diamond Preferred-[1,500] Simplicity-[500]{Paypal Credit- 5,100/ Newegg Preferred-2,000} TCL:[106,850] EX-(20) TU-(15) EQ-(11) Last app: 4/22/15
Frequent Contributor
Posts: 469
Registered: ‎02-11-2014
0

Re: Next CC

[ Edited ]

That's kind of a tricky set of criteria to achieve from one card.  Rewards cards don't often have very long 0% introductory rates.  I don't know much about this one other than what I've read on this forum, but it seems like something worth investigating:

 

Huntington Voice MasterCard

https://www.huntington.com/pas/creditcard/

0% APR for the first 12 months on either the Rewards card or the Low Interest card

Commenced gardening: June 2, 2014

Sallie Mae WMC ● US Bank Cash + VS ● Citi Double Cash ● Amex TrueEarnings ● Fidelity Amex ● Chase Freedom VS ● BOA Better Balance Rewards ● Discover IT
Senior Contributor
Posts: 4,654
Registered: ‎06-21-2012
0

Re: Next CC


JSS3 wrote:

I plan to wait a few months to make it to a year and then apply for my next CC. I have about $5,000-$7,000 worth of house repairs I need to put on my card. It definitely has to have a long 0% APR period and offer cash back rewards. Income now 38,000. Looking at my sig, which card would be the best to add to my collection? I'm thinking Amex but they usually start with a low initial limit then give the  3x 60 day option. The thing is, that's not a guarantee. Any suggestions?


Just for the home repairs, Home Depot may be suitable for ya:


Their recon for CLI seems very good, I've seen members being approved for under $1k initially and called to get it raised to 5digits. 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)
Established Contributor
Posts: 851
Registered: ‎12-17-2012
0

Re: Next CC

You might want to check out the Lowes card. They offer better terms than Home Depot. You can get 84 months at 5.99% on purchases over $3500.

 

Plus it's serviced by GE and they tend to be very generous with CLI.

 

You can also get 0% for 18 months on purchases of $599 or more most of the time during the year.


Valued Contributor
Posts: 1,180
Registered: ‎08-24-2013
0

Re: Next CC

I need a new furnace. This time it'll be gas. Looks like Lowes is the better card. Let me go and take a closer look. Thanks for the suggestions.

 

 

Discover IT-[16,600] Double Cash-[10,000] Home Projects Visa-[7,700] Chase Amazon-[6,000] Walmart Mastercard-[6,000] Paypal Xtras Mastercard-[6,000] SYNCB Amazon-[5,000] Slate-[5,000] Sallie Mae-[5,000] Overstock-[4,700] QuickSilver-[4,000] Double Cash-[4,000] Bclays Rewards Mastercard-[4,000] Mypoints Visa-[3,750] Ebates Visa-[3,200] Quicksilver-[3,000] Discover IT-[3,000] BOA Cash Rewards-[2,500] Sony Visa-[2,150] Vicky's Secret-[1,750] DSW Visa-[1,500] Diamond Preferred-[1,500] Simplicity-[500]{Paypal Credit- 5,100/ Newegg Preferred-2,000} TCL:[106,850] EX-(20) TU-(15) EQ-(11) Last app: 4/22/15
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.