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Suggest a card for me with my new found credit

Regular Contributor

Suggest a card for me with my new found credit

So, I've been on here since March and started at a 570 TU and a 580 EQ.  I'm now at a 696 TU and a 731 EQ as of a score watch today.  I still have a few paid off cards to report so I'd imagine my TU will be more around 710ish and my EQ around 750 ish.  I have no idea what my EXP is.  TU is a little lower because of lates in 2008 that were a mistake that I haven't disputed yet(11 30 day lates).  Since they are over 5 years I don't think it will effect me too much.  So anywho my Credit history is 10 years 8 months right now, and my AAOA is 5 years.  Below is my credit profile.  I'm looking to get a decent CL since everything I have is low.  My utilzation right now without a couple reflected below is around 17%.  Some of my fav's are the US Bank Cash+, Chase Freedom, BOA 123.  EQ and EX are baddy free

 

Jared 0/7500

Juniper 0/1100

Discover 0/1000

Cap One 0/750

Cap One 0/750

Household 0/300

BBRZMC 0/300

Lane Bryant 0/300

Amex Zync 500 cap

 

 


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


Take the FICO Fitness Challenge
Message 1 of 22
21 REPLIES
Mega Contributor

Re: Suggest a card for me with my new found credit


jtc411 wrote:

So, I've been on here since March and started at a 570 TU and a 580 EQ.  I'm now at a 696 TU and a 731 EQ as of a score watch today.  I still have a few paid off cards to report so I'd imagine my TU will be more around 710ish and my EQ around 750 ish.  I have no idea what my EXP is.  TU is a little lower because of lates in 2008 that were a mistake that I haven't disputed yet(11 30 day lates).  Since they are over 5 years I don't think it will effect me too much.  So anywho my Credit history is 10 years 8 months right now, and my AAOA is 5 years.  Below is my credit profile.  I'm looking to get a decent CL since everything I have is low.  My utilzation right now without a couple reflected below is around 17%.  Some of my fav's are the US Bank Cash+, Chase Freedom, BOA 123.  EQ and EX are baddy free

 

Jared 0/7500

Juniper 0/1100

Discover 0/1000

Cap One 0/750

Cap One 0/750

Household 0/300

BBRZMC 0/300

Lane Bryant 0/300

Amex Zync 500 cap

 

 


I would leave US Bank Cash+ alone for now, that may be out of your league. How many INQ's do you have on your reports?

 




EQ FICO 548 3/3/16
Message 2 of 22
Regular Contributor

Re: Suggest a card for me with my new found credit

According to Myfico 3 on TU and 4 on EQ


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


Take the FICO Fitness Challenge
Message 3 of 22
Frequent Contributor

Re: Suggest a card for me with my new found credit

try the chase freedom, and yes avoid the cash+ its a signature card, if you cant meet the 5000 min cl theyd just bump you down to a crummy 1% cash rewards card.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 4 of 22
Regular Contributor

Re: Suggest a card for me with my new found credit

Yeah, i def don't want the 1% cashback.  That would be a waste of an INQ and a new account on my record. 

 

So how do I get to a Sig card?  Income for my household is 85k....I would be totally fine with either the BOA 123 or the Freedom, but I have a usb platinum checking account for the past 6 years.  Having a Plat card turns the 5% cashback to 5.5%, and the 2% catagory to 3%, and the 1 to 1.5%...so its a pretty sick card for me.  Sigh...wish I could have it


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


Take the FICO Fitness Challenge
Message 5 of 22
Frequent Contributor

Re: Suggest a card for me with my new found credit

to get a visa sig. you have to have cards with a min. 5000 limit. when you apply for an actual sig. card like the Chase Sapphire or US Bank Cash+ they will see that you meet the minimum requirments for that card. Its very unlikely that your first cc with 5000 or over limit will be a signature.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 6 of 22
Senior Contributor

Re: Suggest a card for me with my new found credit

I'd go for the Chase Freedom! It's $100 cash back if you spend $500 now, also ... 0% on purchases/BTs for 15 months... there's a guaranteed 1% cash back on all purchases, and 5% on certain quarterly purchases!

 

 

Also, you could prob get a decent credit line, and they are good with recons ;-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 7 of 22
Senior Contributor

Re: Suggest a card for me with my new found credit

also, you could ask for a CLI on some of your current accounts, to help with util., every little bit counts :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 22
Valued Contributor

Re: Suggest a card for me with my new found credit

Not being a wiseass here, but go for a library card.

 

Use your Discover card frequently, right up to its limit, if possible, and pay it off each and every month, in full.

 

That's where you'll find the key to higher credit lines, IMO.

 

Good luck with everything!!

Message 9 of 22
Valued Contributor

Re: Suggest a card for me with my new found credit

jtc411

 

If you look at  the benefits of the platinum package you will see that US bank will enhance the reward by 50%.  So  on cash rewards card you would get 1.5% cash back. It does not seem like much but does add up. I have both Cash + and Cash Rewards cards.

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Message 10 of 22