So I'm looking to get in with some better credit cards than what I have now and I'm thinking about applying middle of this week.
A little background... I have 3 charge offs, two of which have stopped reporting march 2014 and march 2013, us bank is still reporting monthly for $624. I have an open collection with pra for $535. I'm waiting on paying these off till I can break them and get PFD. Once middle of this week hits my util will be at 7.5%. I currently have in good standing first premier (0/300)(7 months reported), credit one (0/500)(7 months reported), fingerhut (105/500)(3 months reported), QS1 (10/300)(1 month), car payment (460)(5 months). A lot of inqs on TU, 8 ex, 10 eq.
What I'm looking to apply for... BofA cash rewards (prob going to be denied but hoping to get 99/500 offer), barclaycard apple, barclaycard for average credit, and for sh!ts amex prg (was going to apply for green but read that same UW for all charge cards just depends on what AF you want to pay), and amex blue (I read that the delta card is easiest revolver but I don't fly so does it make sense to apply for a card I won't use the benefits?). I was thinking of before apps to ask Cap1 EO for CLI cause I tried last month when I got QS1 and they denied because of high usage.
Just wanted to post to see what peeps opinion on app spree plan.