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TU790 EQ775 EX767 w/ AU's from granddad...WWYD?

Moderator Emerita

Re: TU790 EQ775 EX767 w/ AU's from granddad...WWYD?

Message 11 of 46
Epic Contributor

Re: TU790 EQ775 EX767 w/ AU's from granddad...WWYD?

If looking to park a little debt my changes would include:

Navy Federal Platinum, Cash and a business card.

Citi Cards have longest 0%

Chase Slate has a good long 0% and a no fee bt for first 60 days of account opening... normally you will pay 3-4% for that BT.

Barclay USAir Business becuase it has 6-12 months 0% but won't report to credit report so if debt is there won't effect much.

 

Message 12 of 46
Member

Re: TU790 EQ775 EX767 w/ AU's from granddad...WWYD?

What kind of approvals will I see with an AU only file given my specs?? Do you think 10k+ is possible on any approvals.  Is there any advantage to doing all the apps in one day or would i be better off  trying to control who pulls which bureau using credit pulls database? 

 

Message 13 of 46
Moderator Emerita

Re: TU790 EQ775 EX767 w/ AU's from granddad...WWYD?

It's always best to spread apps on different bureaus if possible. Of the cc's NFCU will probably give you the highest initial limit. Amex I wouldn't worry about because of their 3x Cli policy after 60 days.

What's your income and are you self employed ? LLC, Inc?
Message 14 of 46
Epic Contributor

Re: TU790 EQ775 EX767 w/ AU's from granddad...WWYD?

In your case I would say a couple might be good to wait to apply for once you have your own accounts reporting instead of just AU. but normally I would say apply for all at once.

so I would apply for the 2-3 Navy Cards Personal and Business

Apply for 1 personal amex and 1 business amex

apply for discover

then let 2 or 3 of them to report then apply for citi and chase.

Message 15 of 46
Super Contributor

Re: TU790 EQ775 EX767 w/ AU's from granddad...WWYD?


09Lexie wrote:
It's always best to spread apps on different bureaus if possible. Of the cc's NFCU will probably give you the highest initial limit. Amex I wouldn't worry about because of their 3x Cli policy after 60 days.

What's your income and are you self employed ? LLC, Inc?

Good question Lexie that needs answering 

OP I agree with earlier post start with NFCU and then take it from there 

They maybe able to supply all your needs under one roof 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 16 of 46
Contributor

Re: TU790 EQ775 EX767 w/ AU's from granddad...WWYD?


09Lexie wrote:
Welcome to the forum. Since you are looking for rewards and you primarily dine out and shop :

1. Amex PRG and BCP (after 61 days 3x Cli )
2. Fid Amex - good 2% card
3 NFCU- Flagship Visa
4. Barclays Arrival

After they've reported for 6 mos then app:

Chase Freedom and. CSP- Chase will want your own rev credit history.

Make sure you app Barclays last.



Lexie, I'm confused as to why you'd recommend the BCP here? OP said they primarily eat out and want travel rewards. I would think that shopping could be covered by a mix of online shopping portals like UR Mall/Shop Discover and 2% cards like Fidelity Amex or Barclays Arrival. It doesn't seem like OP's spending patterns would justify the annual fee. Feel free to correct me if I'm missing something there. I totally agree with you on the PRG though.

Amex BCE ($15k), TE ($5k), BoA BBR ($600), Cash Rewards ($600), Barclays Sallie Mae ($6k), CapOne Quicksilver ($4k), Chase Freedom ($5.8k), CSP ($11k), Marriott (9k), IHG (12k), DCU ($6k), Discover IT ($6.5k)
TU - 4 INQ, EX - 7 INQ, EQ - 3 INQ
Gardening since 06/25/14.
Message 17 of 46
Moderator Emerita

Re: TU790 EQ775 EX767 w/ AU's from granddad...WWYD?

@lorek

The OP mentioned he is a business owner. I assumed that he has a car and likely may benefit from the 3% gas. Also even though he eats out a lot -unless he eats out everyday then there's some groceries. It really doesn't take much in either category to offset the AF.

However, if the OP doesn't drive often or very little then the BCE.
Message 18 of 46
Member

Re: TU790 EQ775 EX767 w/ AU's from granddad...WWYD?


myjourney wrote:

09Lexie wrote:
It's always best to spread apps on different bureaus if possible. Of the cc's NFCU will probably give you the highest initial limit. Amex I wouldn't worry about because of their 3x Cli policy after 60 days.

What's your income and are you self employed ? LLC, Inc?

Good question Lexie that needs answering 

OP I agree with earlier post start with NFCU and then take it from there 

They maybe able to supply all your needs under one roof 


I work for an auto freight/hauling company and make about 75-80k yr.  I also have my own security company that is growing rapidly.  Which should I put on the cred apps? 

Message 19 of 46
Super Contributor

Re: TU790 EQ775 EX767 w/ AU's from granddad...WWYD?


here2learn wrote:

myjourney wrote:

09Lexie wrote:
It's always best to spread apps on different bureaus if possible. Of the cc's NFCU will probably give you the highest initial limit. Amex I wouldn't worry about because of their 3x Cli policy after 60 days.

What's your income and are you self employed ? LLC, Inc?

Good question Lexie that needs answering 

OP I agree with earlier post start with NFCU and then take it from there 

They maybe able to supply all your needs under one roof 


I work for an auto freight/hauling company and make about 75-80k yr.  I also have my own security company that is growing rapidly.  Which should I put on the cred apps? 


How is the business set up and how long in bussiness? 

Corp, LLC, etc etc 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 20 of 46