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Established Contributor
Posts: 588
Registered: ‎03-12-2008
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One Last Prime Card - Suggestions?

I currently have three BoA and just got approved for a Chase.  I of course have other subprime cards, Wal-Mart, BB MC, Orchard, Target, and JCP.  I want to get one more prime card and then call it quits.  I will not get approved for Discover or AMEX because I am black listed.
 
Any suggestions of who to go with?  Last one before I just start to garden my credit.  I want to get all my INQs done right now so they will all stop hurting my score about the same time next year.
 
Thank you!
As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)
Epic Contributor
Posts: 29,100
Registered: ‎10-23-2007
0

Re: One Last Prime Card - Suggestions?

USbank. I love my Signature
Regular Contributor
Posts: 134
Registered: ‎05-05-2008
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Re: One Last Prime Card - Suggestions?

Citi or a CU perhaps
FICO TU 730 EQ 731 EX 706
Established Contributor
Posts: 709
Registered: ‎04-20-2008
0

Re: One Last Prime Card - Suggestions?

Citi
"WTB Access Number"
Frequent Contributor
Posts: 282
Registered: ‎03-26-2008
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Re: One Last Prime Card - Suggestions?



nicemann wrote:
I currently have three BoA and just got approved for a Chase.  I of course have other subprime cards, Wal-Mart, BB MC, Orchard, Target, and JCP.  I want to get one more prime card and then call it quits.  I will not get approved for Discover or AMEX because I am black listed.
 
Any suggestions of who to go with?  Last one before I just start to garden my credit.  I want to get all my INQs done right now so they will all stop hurting my score about the same time next year.
 
Thank you!


I'd go with Citi. Customer service is spectacular, and they are pretty easy to work with regarding CLIs (although, you'll get a hard inq.) and product changes if you decide you want to switch cards.
Established Contributor
Posts: 588
Registered: ‎03-12-2008
0

Re: One Last Prime Card - Suggestions?

Oh well tried to call for a CitiBank card and they said the 7-10 days wait for a response.  I don't see a backdoor number for them for ReCon so I can talk them into giving me the card.  Does anyone know one?
As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)
Established Contributor
Posts: 588
Registered: ‎03-12-2008
0

Re: One Last Prime Card - Suggestions?

Oh well called the application status line and all they would tell me is that my application has been processed and will receive a "letter" within 7-10 days.  Not the card...but a letter.  Oh well guess I can't win them all.  Time to sit back and just garden my BoA and Chase cards.
As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)
Frequent Contributor
Posts: 440
Registered: ‎08-08-2007
0

Re: One Last Prime Card - Suggestions?

Citi probably pulled your EQ and it's your lowest score unfortunately...
Rust never sleeps and neither does my fico score...
Senior Contributor
Posts: 4,834
Registered: ‎04-20-2007
0

Re: One Last Prime Card - Suggestions?

7-10 is not a denial. They pull EX exclusively for me. Think positive.
Established Contributor
Posts: 739
Registered: ‎06-30-2007
0

Re: One Last Prime Card - Suggestions?

[ Edited ]
if you r bargian hunter ,look into citi cash returns, on the most basic level it %1 with automatic $50 redeemptions by check . I already have Discover More but after looking to citi's offer in detail , if I didn't already have the discover, i would have cash returns/
 
The big thing with is that not only more cash back at certain online merchants by link via thier site, thay offer more cash back swiping at certain merchants, at times you can get bonus cash by swiping or by linking to to the merchant online store, other times it be online or offline.
 
you don't have to be a cardholder to view the offerings, that's why I know what I do, if was kind hard to find, and don't know if I could find it again


Message Edited by rbbyrbsn on 05-15-2008 03:01 PM
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS

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