Hey all,
I've been lurking these forums for the past few years rebuilding my credit. Recently i was able to pay off a personal loan and pay off a car payment that brought my utilization down. Prior to this my credit score was in the 680 range. Did a pull yesterday only to find that all 3 reports were in the 730 range! Needless to say I am Extremely pleased with these results!!!!
My questions is what's next? Obviously maintaining this score is priority #1. I would like to add one more credit card to my wallet for times when amex isn't accepted and I need to make a large purchase. Other than that I do not forsee myself opening any additional lines of credit. Within the next year I'm hoping to purchase a home but that isn't 100% yet.
Currently whats in the wallet:
Amex platinum (daily spend, npsl) - Paid off monthly
Best buy citi ($2500 CL) - 0 balance
Capital One ($500 CL) - $300 balance
Ideally I'd like another card with better rewards to replace the amex for daily spend and only use the amex for travel. I was thinking Chase Freedom or Sapphire preferred. Cap one will be paid off next month.
Thoughts? Is now a good time to apply for an additional card?
Starting Score: MyFico: EQ 622 (3/2012)
@Creditaddict wrote:Citi Double Cash or Fidelity Amex are going to be your best every day card with no categories or limits (2%)
+1. Is the Cap One a Quicksilver, perchance? If not, I'd recommend converting it.
Also, although maintaining your score is good, having it increase more would be better 
Onwards and upwards!
Congratulations on your progress!
I would suggest looking at something from BofA.
How are your interest rates? Rewards cards are nice, if you are spending a ton of money each month, (just calculate out how much 2% is per year on $3k of spend... wow, that's not much is it?) but for long term card holdings, nothing beats an APR of 10% or better, and those cards are difficult to get. Your local Credit Union may not be advertising on the web, but they often have very good APR credit card products.
@Creditaddict wrote:
@NRB525 wrote:Congratulations on your progress!
I would suggest looking at something from BofA.
How are your interest rates? Rewards cards are nice, if you are spending a ton of money each month, (just calculate out how much 2% is per year on $3k of spend... wow, that's not much is it?) but for long term card holdings, nothing beats an APR of 10% or better, and those cards are difficult to get. Your local Credit Union may not be advertising on the web, but they often have very good APR credit card products.
OP is currently using a PIF amex plat and wants to replace that so I would be assuming rewards and who cares about interest rate when you are not carrying a balance but since you suggest BofA my Fidelity Amex suggestion just happens to be underwritten by BofA and has a 13.9% rate I believe and they actually lowered ours to 10.24%!
And we're back to suggesting AMEX 
The original request was "anything but AMEX"
@NRB525 wrote:
@Creditaddict wrote:
@NRB525 wrote:Congratulations on your progress!
I would suggest looking at something from BofA.
How are your interest rates? Rewards cards are nice, if you are spending a ton of money each month, (just calculate out how much 2% is per year on $3k of spend... wow, that's not much is it?) but for long term card holdings, nothing beats an APR of 10% or better, and those cards are difficult to get. Your local Credit Union may not be advertising on the web, but they often have very good APR credit card products.
OP is currently using a PIF amex plat and wants to replace that so I would be assuming rewards and who cares about interest rate when you are not carrying a balance but since you suggest BofA my Fidelity Amex suggestion just happens to be underwritten by BofA and has a 13.9% rate I believe and they actually lowered ours to 10.24%!
And we're back to suggesting AMEX
your right... Citi Double Cash because you can recon initial CL and good chance of future sp CLI's
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