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Established Member
mondlight
Posts: 11
Registered: ‎06-17-2013

Re: Should I App Spree? Please & Thank You for any advice...

I've never actually considered an Amex card. I always thought that the bk would be a hurdle for Amex, BofA, Citi, Chase, etc. Not sure if I am on Chase's files for the bk or not (do they blacklist?)


Starting Score: 693 (EQ myFICO), 667 (Credit Karma), 722 (Credit Sesame) as of 6/17/2013
Current Score: 700 (EQ myFICO), 671 (Credit Karma), 722 (Credit Sesame) as of 6/28/2013
Goal Score: 750+

Gardening until 1/1/2014 or later!

VentureOne $5500 // Discover It $1500 // Amazon Store $1800
Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: Should I App Spree? Please & Thank You for any advice...

Chase has a long memory. You could try and if they do have you in their system, it here wouldn't be a HP.

I would app Chase Freedom, Amex PRG and Discover It.
Moderator
Revelate
Posts: 6,758
Registered: ‎12-30-2011

Re: Should I App Spree? Please & Thank You for any advice...

[ Edited ]

myjourney wrote:

09Lexie wrote:
Since your bk is 8yrs old, why not Amex PRG?

Great travel reward card 


Yes, but you have to spend a lot of money (well to me at any rate and my income doesn't suck) to really justify it.  Moderate travel something more in lines of a BOFA Travel Rewards or potentially even a CSP which has alternate uses may suit better.  Chase can be sticky with BK's though so that maybe out, I'll admit to not being hip regarding who will approve what with an 8 year old BK.

 


Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 672, Wally TU 686, EX 702 (04/14)
Goal Score: 700 in all three (01/01/15)


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Established Member
mondlight
Posts: 11
Registered: ‎06-17-2013

Re: Should I App Spree? Please & Thank You for any advice...

My biggest fear is getting a decline and wasting a HP. I want to keep it below 3 for any bureau. (Below 2 if possible) I want to buy a new laptop soon, which is why I was considering the Amazon - I know their store card has financing offers.


Starting Score: 693 (EQ myFICO), 667 (Credit Karma), 722 (Credit Sesame) as of 6/17/2013
Current Score: 700 (EQ myFICO), 671 (Credit Karma), 722 (Credit Sesame) as of 6/28/2013
Goal Score: 750+

Gardening until 1/1/2014 or later!

VentureOne $5500 // Discover It $1500 // Amazon Store $1800
Valued Contributor
indiolatino61
Posts: 1,429
Registered: ‎11-10-2012

Re: Should I App Spree? Please & Thank You for any advice...

Welcome to myFICO and good luck to you.

 photo Logo-CreditCardCollection_zps2f177769.jpgWmart (TU): 802, Disc it (TU): 802, CKarma (TU): 767, AmEx (EX): 755, CSesame (EX): 710, Quizz (EQ): 778, myFICO (EQ): 770.
Oldest: AmEx: 26Y-2M, AAoA: 6Y-1M, Utl: 0.81%, 12/24 Inq: 5/15, Income: $99k, Garden: 03/30/2014. Updated 04/10/2014.
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

Re: Should I App Spree? Please & Thank You for any advice...

The Amazon store card seems to be possible as GECRB does have some leeway with an older BK.  Discover not so much with the presence of a BK; however, everyone's experience differs since your BK is nearly 10 years old and may offer that possibility.  AMEX, I wouldn't bother until that BK is off your CR.

Established Member
sniggy20
Posts: 11
Registered: ‎12-29-2007

Re: Should I App Spree? Please & Thank You for any advice...

monlight:  Welcome to the Forums,

I too have a BK 7 the same age (9/2005).  One year ago got a pre-approval for Discover( included in my BK) and Wells Fargo(have relationship) and had no inquiries.  Applied and got approved for both with cl 10,000 and 12,000 respectively.  I was grand-fathered into Chase with the Washington Mutual buy-out and they too were included in my BK7.  So don't be afraid of credit but respect credit and take your time in your selection.  My first big approval after BK was Barclay Juniper 5yrs. ago and they are BK friendly.  You'll get lots of info and support on these forums and you've started out right by asking help.  As with all info YMMV.  Good Luck in your re-building, it can be done!

 

Sniggy: BK7 9/2005

Exp Fico   737

TU  FICO 706

EQU Fico 706

Established Member
mondlight
Posts: 11
Registered: ‎06-17-2013

Re: Should I App Spree? Please & Thank You for any advice...

Thank you all for being such a welcoming community and giving me such great info! I'm thinking I'll either app next weekend, or wait another month until my util is less than 5%. I'll try for the Discover It first, since it's the card I really want. I hear such great things about Discover, and have read a lot of great info on these forums about them too. :smileyhappy:


Starting Score: 693 (EQ myFICO), 667 (Credit Karma), 722 (Credit Sesame) as of 6/17/2013
Current Score: 700 (EQ myFICO), 671 (Credit Karma), 722 (Credit Sesame) as of 6/28/2013
Goal Score: 750+

Gardening until 1/1/2014 or later!

VentureOne $5500 // Discover It $1500 // Amazon Store $1800
Community Leader
Valued Contributor
myjourney
Posts: 23,569
Registered: ‎02-07-2013

Re: Should I App Spree? Please & Thank You for any advice...


mondlight wrote:

Thank you all for being such a welcoming community and giving me such great info! I'm thinking I'll either app next weekend, or wait another month until my util is less than 5%. I'll try for the Discover It first, since it's the card I really want. I hear such great things about Discover, and have read a lot of great info on these forums about them too. :smileyhappy:


Good luck

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Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: Should I App Spree? Please & Thank You for any advice...


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