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Suggest a card for me with my new found credit

Regular Contributor

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


Uborrow-Upay wrote:

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!!


 

I appreciate your insight, but I feel my credit score, income and history ready me for a more prime card.  While I like my discover, the 1k limit isn't going to accomplish what I want.  I see people with mid to high 600's obtaining 2 of the 3 cards I've listed. 

 


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


Take the FICO Fitness Challenge
Message 11 of 22
Regular Contributor

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

I just hit the LUV button on Juniper and went from 1100 to 2240.  I guess that helps.  Still worthless since the card has a 49 AF now


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


Take the FICO Fitness Challenge
Message 12 of 22
Senior Contributor

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

Aweeesssommmeee!!! That's your highest limit though right?! You might wanna wait til that limit updates on your reports before you app for a new card, so that whichever bank you decide to app with will likely try to match your highest limit. You could get a $2-3k limit perhaps...vs a $1,500-2k limit. Just seems like lenders competitively match limits.
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 13 of 22
Regular Contributor

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

Luckily this card closes on the 23rd, so it will report in a couple weeks.  I don't plan on Apping for a few more weeks, or possibly after my mortgage so we'll see!

 

Is it a hard fast rule that if you don't have a 5k visa card already, you wont get a signature?  I mean my Jared account has 7400


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


Take the FICO Fitness Challenge
Message 14 of 22
Regular Contributor

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

woof, the CLI for Juniper was an HP on TU...never again


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


Take the FICO Fitness Challenge
Message 15 of 22
Valued Contributor

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


jtc411 wrote:

Luckily this card closes on the 23rd, so it will report in a couple weeks.  I don't plan on Apping for a few more weeks, or possibly after my mortgage so we'll see!

 

Is it a hard fast rule that if you don't have a 5k visa card already, you wont get a signature?  I mean my Jared account has 7400


Hi, jtc411,

 

Am I understanding this correctly?  You are apping for credit cards while you are somewhere in the process of obtaining a mortgage loan?

 

 

 

Message 16 of 22
Regular Contributor

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


Uborrow-Upay wrote:

jtc411 wrote:

Luckily this card closes on the 23rd, so it will report in a couple weeks.  I don't plan on Apping for a few more weeks, or possibly after my mortgage so we'll see!

 

Is it a hard fast rule that if you don't have a 5k visa card already, you wont get a signature?  I mean my Jared account has 7400


Hi, jtc411,

 

Am I understanding this correctly?  You are apping for credit cards while you are somewhere in the process of obtaining a mortgage loan?

 

 

 


No, I'll be apping once I close.  We are hoping to be done and close on a house within a few weeks or so!  Sorry didn't word that right.  I was already bummed Juniper took an HP on me last night for the CLI


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


Take the FICO Fitness Challenge
Message 17 of 22
Frequent Contributor

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

It couldn't hurt to try for an Amex credit card. Thanks to your Zync it would only be a hard if approved and a soft if declined. I think the plain blue and the Delta skymiles have the lowest underwriting requirements out of the bunch. You could also eventually pc the blue to the blue cash or blue sky which are generally considered to be more difficult to obtain than the regular blue. 

 

 

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Message 18 of 22
Regular Contributor

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

I'm actually not looking into Amex these days.  I had a CO about 8 years ago with them and just got my foot back in the door with the Zync.  I app'd for a Delta at the same time and was declined and one of the reasons was "internal risk"...so I'm putting that off for quite some time I think

 

I really ultimately want the Cash+, but it sounds like I should make a choice between the Freedom and BOA 123.  Anyone have an idea of which one would make me more return?  Part of me thinks a consistant 3 and 2 on gas and groceries would be more helpful than 1 on everything and 5 on bonus catagories

 

Still open to opinions.

 

Just pulled my new Reports and I'm at 755 EQ, 718 TU and 721 EX Fako


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


Take the FICO Fitness Challenge
Message 19 of 22
Senior Contributor

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

With the right lender, you could get a $5k + limit given your Jared's that is a high limit card! The new high limit will also look great too once reported... My experience is that once you can get a couple of cards, even store ones, with high limits($4-5k) reporting, that's when you can get approved for higher limit 'bank cards', like mc, visa, amex, disc.

Barclay's and Chase seem to be great with matching limits ;-)
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 20 of 22