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Regular Contributor
Posts: 206
Registered: ‎12-20-2012
0

Next Card advice?

[ Edited ]
Which card should I app for next? I am building credit now after having a low credit score due to thin file. I have zero delinquencies or negative marks on my credit history, but my AAoA is only about 2 years. Current scores/cards (as you can see I only have one actual credit card and it doesn't have any rewards bc it is a student card):

Equifax 673 (lower bc 6 inquiries were pulled here by Citi before they granted the student card- 6 for one card! They say they can't remove.)
Experian 702
TransUnion 705

Care Credit- $3,000 limit
Citi Forward- $2,000 limit
Macy's- $1,000 limit
Nordstrom- $500 limit


For my new job they are going to give me an Amex Gold corporate card. That card is guaranteed to me but I want another card BEFORE Amex pulls that will have rewards/cash back/etc.

Advice?? Thanks MYFICO!!!

-Lovie Smiley Happy

Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Regular Contributor
Posts: 206
Registered: ‎12-20-2012
0

Re: Next Card advice?

(I should have said, for anyone who doesn't know- CareCredit can only be used for medical bills. So it isn't really useful as a credit card.)

Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Community Leader
Super Contributor
Posts: 7,698
Registered: ‎09-22-2012
0

Re: Next Card advice?

Have you checked for any preapprovals through Chase, Amex, Discover, etc? Chase Freedom or Discover IT both give good rotating rewards. Amex BCE/BCP gives good gas and grocery rewards but your FICO is probably on the low end of their criteria.
Valued Contributor
Posts: 1,145
Registered: ‎04-13-2013
0

Re: Next Card advice?

Same thing I said to another poster - only you can decide what is the best card for you. Are you looking for cash back, miles, hotel points? You need to do the research on what cards are out there and see what you want instead of my applying for cards that people tell you to apply for. I'm just suggesting that you to make an informed decision when apping. 

 

If you're looking to build your credit profile - there are a host of good cards out there depending on whether you're okay with paying an AF, which of course depends on your income and spending habits. But without knowing any of that information, I'd suggest looking into the Chase Freedom or the Discover It for starters. 


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Valued Contributor
Posts: 2,438
Registered: ‎04-04-2013
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Re: Next Card advice?

[ Edited ]

I suggest the Sallie Mae Rewards card, for 5% Cash Back on Supermarkets ($250/month), Gas Stations ($250/month), and Bookstores ($750/month).

 

They will pull Transunion.

 

https://www.salliemae.com/landing/WorldCreditCard/


Regular Contributor
Posts: 206
Registered: ‎12-20-2012
0

Re: Next Card advice?

B335is how do I check for pre-approvals? I have never done that before...

Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Super Contributor
Posts: 9,135
Registered: ‎06-19-2013
0

Re: Next Card advice?

You can goto chase ,boa,citi,cap one website and click on pre qualified link.enter name,address,last four of social.then they will tell you if you are preapproved. Also you can Google card match.enter info and you will see if you got an pre approved from some other cards including amex bce/bcp.



EX Fico 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 5/26/15 827 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 7/6/15 786 Fako 808 Creditkarma 5/11/15
Regular Contributor
Posts: 206
Registered: ‎12-20-2012
0

Re: Next Card advice?

Mongstradamus-

Thanks! I am new to this and wondering- if I get pre-approved is that a good reflection of my actual approval odds for applying for the cards?

Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Super Contributor
Posts: 9,135
Registered: ‎06-19-2013
0

Re: Next Card advice?


loviedovie wrote:
Mongstradamus-

Thanks! I am new to this and wondering- if I get pre-approved is that a good reflection of my actual approval odds for applying for the cards?

That part I am not sure about, I think you qualified or met some of their pre approval requirements,but its not quite an shoe in or guarantee you will be approved



EX Fico 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 5/26/15 827 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 7/6/15 786 Fako 808 Creditkarma 5/11/15
Super Contributor
Posts: 11,201
Registered: ‎04-22-2013
0

Re: Next Card advice?


mongstradamus wrote:

loviedovie wrote:
Mongstradamus-

Thanks! I am new to this and wondering- if I get pre-approved is that a good reflection of my actual approval odds for applying for the cards?

That part I am not sure about, I think you qualified or met some of their pre approval requirements,but its not quite an shoe in or guarantee you will be approved


It is not a guarantee (e.g. something might have appeared on your CR after their pull), but as someone (enharu?) said it's a better predictor than anything else that you get.

Citi: Forward, AA Select Plat, Double Cash, Dividend. Chase: Amazon, Freedom, CSP. Cap One: 2 x QS. Penfed 2x Plat Rewards. US Bank: Cash Plus. Barclays: Arrival, SM. Amex: BC, BCE, ED. Nasa FCU. Ebates, FIA Fidelity Amex, Discover IT Miles.

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