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Valued Member
Posts: 48
Registered: ‎12-31-2012
0

Next step?

Thought I would ask this board since most are probably a bit better at this game than I. First Apps since BK 5/2011... Had ZERO Revolving cards, I did get a First Premier (Approved unsecured $300), Discover (Approved unsecured $300), Capitol one(Approved unsecured 1k) $1600 new credit in last few days (3 out of 4 apps Barclays no) so revolving history will be getting better..    Want a rewards card some day and 700+ score to start. House in Three yrs.

Questions:

When should I App again?

When should I look at upping the limits?

How hard is it to get a Amex card and what agency do they pull from?

 

Swiss

 


Starting Score:EQ-642 --TU-632-- EX-?
Current Score:EQ-660 MyFico-- TU- 647 MyFico-- EX- 674 Quizzle
Goal Score:700

Take the myFICO Fitness Challenge NFCU vsig $14k -- NFCU PLat MC $14k - NAVChek $7.5K -- NFCU PLAT Visa $14k -Cap1 $1.5k--AMZ $700- Lowes $500- WALMART-$400
Regular Contributor
Posts: 220
Registered: ‎08-10-2012
0

Re: Next step?

Too early to app since BK. You already have the BK friendly cards. AMEX will not give you a card until you BK is off your record in 2021. Don't waste an inquiry

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Regular Contributor
Posts: 220
Registered: ‎08-10-2012
0

Re: Next step?

Took me 8 years after my BK in 2004 to get the cards in my signature line

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Valued Member
Posts: 48
Registered: ‎12-31-2012
0

Re: Next step?

I thank you for the reply and good to know.. House is three yrs out so trying rebuild by then to 700+. Sugestions on CLI request?

 

Swiss


Starting Score:EQ-642 --TU-632-- EX-?
Current Score:EQ-660 MyFico-- TU- 647 MyFico-- EX- 674 Quizzle
Goal Score:700

Take the myFICO Fitness Challenge NFCU vsig $14k -- NFCU PLat MC $14k - NAVChek $7.5K -- NFCU PLAT Visa $14k -Cap1 $1.5k--AMZ $700- Lowes $500- WALMART-$400
New Contributor
Posts: 104
Registered: ‎12-12-2012
0

Re: Next step?

Im mildly surprised you even got a Discover. Id try a PC on the CapOne card to the cash rewards card. Other than that, just wait and be patient.
Valued Member
Posts: 50
Registered: ‎09-20-2012
0

Re: Next step?

I would cancel that First Premier immediately.
Grats on the Discover and Capitol One.
Valued Member
Posts: 48
Registered: ‎12-31-2012
0

Re: Next step?

What's wrong with First Premier? Crummy Company and crapy low $ card i know, but had to start somewhere,

 

Swiss


Starting Score:EQ-642 --TU-632-- EX-?
Current Score:EQ-660 MyFico-- TU- 647 MyFico-- EX- 674 Quizzle
Goal Score:700

Take the myFICO Fitness Challenge NFCU vsig $14k -- NFCU PLat MC $14k - NAVChek $7.5K -- NFCU PLAT Visa $14k -Cap1 $1.5k--AMZ $700- Lowes $500- WALMART-$400
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Next step?


MrSwiss wrote:

What's wrong with First Premier? Crummy Company and crapy low $ card i know, but had to start somewhere,

 

Swiss


Usual complaint is the horrible fees.  Especially the second year (due to CARD act protections)

Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Next step?

If it's the same card, it's charging:

 

Processing Fee  $95 (one time)

Annual Fee   $75.00 for first year
     After that, $45.00 annually.

Monthly fee  None for first year (introductory)
     After that, $75.00 annually ($6.25 per month).

 

 

+ a 36% APR.

 

 

When people here (cleverly) use phrases such as "Crap One" they are referring to things like extreme reluctance to give credit limit increases etc.  First Premier gets much more negativity from its huge cost.  It even says on the site that the initial limit of $300 is reduced to $225 because of the fees.

Valued Member
Posts: 48
Registered: ‎12-31-2012
0

Re: Next step?

Yep MO... well I paid fees so I will ride it for a year...  Any recommendations next APP move or CLI moves going forward? Thanks for the input..

Swiss


Starting Score:EQ-642 --TU-632-- EX-?
Current Score:EQ-660 MyFico-- TU- 647 MyFico-- EX- 674 Quizzle
Goal Score:700

Take the myFICO Fitness Challenge NFCU vsig $14k -- NFCU PLat MC $14k - NAVChek $7.5K -- NFCU PLAT Visa $14k -Cap1 $1.5k--AMZ $700- Lowes $500- WALMART-$400

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