Should i go for it?

[Anonymous]

What cards would you guys suggest for me with these scores   Transunion 643  Equifax 660  and on my Fico from AMEX is 671.  My utilization is a little higher than i want @ 40%.

I already have these:

Amex Everyday  1000

Cap. One QS MC  2000

Cap. One QS Visa 750

AEO Store Card 650

TJX Store Card 500

Nordstrom Card 500

[Anonymous]

I wouldn't go for anything, I would get your utilization down so your scores go up and then get some good cards depending on your income.  Maybe combine your capone cards if you can and then when your scores go up, then hit their pre qual screen or Chase's.  

[Anonymous]

Okay thanks for the advice

i plan on paying off one and than comb.  I hope to soon to get the Visa Signature with them. 

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@Anonymous wrote:

I wouldn't go for anything, I would get your utilization down so your scores go up and then get some good cards depending on your income.  Maybe combine your capone cards if you can and then when your scores go up, then hit their pre qual screen or Chase's.  

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[kdm31091]

To me it doesn't make sense to apply for more cards when you are in debt (high util). Pay off/pay down substantially and then worry about adding more cards. More cards are just more potential debt.

[9CLINE]

+1 on previous advice...
Congrats on cards you have let them grow while you pay them down then you will look better for more approvals...
Good Luck on your journey !!!!!!!

[NRB525]

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@Anonymous wrote:

@Anonymous cards would you guys suggest for me with these scores   Transunion 643  Equifax 660  and on my Fico from AMEX is 671.  My utilization is a little higher than i want @ 40%.

I already have these:

Amex Everyday  1000

Cap. One QS MC  2000

Cap. One QS Visa 750

AEO Store Card 650

TJX Store Card 500

Nordstrom Card 500

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OP, can you list where your balances are? Which cards have how much reporting, and what is the APR on each card?

How long have you had the ED? What is your usage pattern for the card? Pay in full or are you carrying a balance and paying any interest? Have you tried for any CLI yet on that card? What is the APR?

How long have you had each of the Cap One cards? What is the APR on each of those?

How long have you had the Nordstrom? Presumably store card, correct? What is your usage pattern on that card (and hopefully it is only really useful items that you cannot live without, on any store card)

[Anonymous]

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@Anonymous wrote:

@Anonymous cards would you guys suggest for me with these scores   Transunion 643  Equifax 660  and on my Fico from AMEX is 671.  My utilization is a little higher than i want @ 40%.

I already have these:

Amex Everyday  1000

Cap. One QS MC  2000

Cap. One QS Visa 750

AEO Store Card 650

TJX Store Card 500

Nordstrom Card 500

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AEO and TJX is by Sync What I would do is call CS and get CLI on those two ask for at least 6k