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Regular Contributor
Posts: 136
Registered: ‎03-06-2013
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USAA EX FAKO 763, one approval today. What else to go for?

[ Edited ]

My EX report is finally CLEAN, other than some 30 day lates that are 2 years 10 months and older. 


I apped for (and got!) AmEx BCP today. Yahoo! 

 

Are there any other cards I should be adding to my lineup ASAP? I have a CIti black diamond whatever with $8,000 limit (and about 2.5% util at the moment). I really don't want to ask them for CLI - I'd prefer to diversify into cards that actually do something for me and add another positive TL as I continue to work on cleaning up EQ and TU. 

 

I now have 2 recent inquiries on EX (and another from 18 months ago). AAoA is 12 years. Great income. Would be good to have another card that reports AUs. And I don't have a need to apply for anything else until my car lease is up in 18 months. 

 

Thoughts?

 

Thank you in advance!

Starting myFICOs 2013
TU:664 March --> 726 May 25
EQ: 687 on March 6 --> 772 May 25
USAA EX (FAKO): 701 March 27 --> 768 May 26
Original goal (720+ across the board) achieved!
Regular Contributor
Posts: 136
Registered: ‎03-06-2013
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Re: USAA EX FAKO 763, one approval today. What else to go for?

A little more info: AmEx matched my other $8,000 credit limit. Is time of the essence to grab another card before that credit limit shows up on my reports? Any insights appreciated. 

Starting myFICOs 2013
TU:664 March --> 726 May 25
EQ: 687 on March 6 --> 772 May 25
USAA EX (FAKO): 701 March 27 --> 768 May 26
Original goal (720+ across the board) achieved!
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: USAA EX FAKO 763, one approval today. What else to go for?

[ Edited ]
Congrats on your approval! I'm a little confused by your last sentence. Do you need a car now or in 18 mos?

Edit: just saw your second post. Without more information like, what you are looking for in a cc other than its ability to reports AUs- it would be hard to suggest cc's
Regular Contributor
Posts: 136
Registered: ‎03-06-2013
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Re: USAA EX FAKO 763, one approval today. What else to go for?

Thanks 09Lexie. In addition to AU reporting:

  • Cash back would be a great feature in another card.
  • Interest rates are not important as I PIF.
  • Travel rewards are not particularly compelling for me.

Obtaining higher credit and building another positive TL on EQ and TU would be the main reasons for adding another card. 

Starting myFICOs 2013
TU:664 March --> 726 May 25
EQ: 687 on March 6 --> 772 May 25
USAA EX (FAKO): 701 March 27 --> 768 May 26
Original goal (720+ across the board) achieved!
Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012
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Re: USAA EX FAKO 763, one approval today. What else to go for?

Discover???


MonkeyBelly wrote:

Thanks 09Lexie. In addition to AU reporting:

  • Cash back would be a great feature in another card.
  • Interest rates are not important as I PIF.
  • Travel rewards are not particularly compelling for me.

Obtaining higher credit and building another positive TL on EQ and TU would be the main reasons for adding another card. 


 

*8/10/13
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Registered: ‎09-13-2012
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Re: USAA EX FAKO 763, one approval today. What else to go for?

Since you specifically mention EQ and TU that leaves Chase out ( they usually pull EX) . Discover It, Barclays off the top of my head.
Regular Contributor
Posts: 136
Registered: ‎03-06-2013
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Re: USAA EX FAKO 763, one approval today. What else to go for?

EX is my clean report at the moment, at 763 USAA FAKO as of this morning. EQ is 705 with 1 collection and TU is not pretty. 

Starting myFICOs 2013
TU:664 March --> 726 May 25
EQ: 687 on March 6 --> 772 May 25
USAA EX (FAKO): 701 March 27 --> 768 May 26
Original goal (720+ across the board) achieved!
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: USAA EX FAKO 763, one approval today. What else to go for?

Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012
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Re: USAA EX FAKO 763, one approval today. What else to go for?


09Lexie wrote:
Ok, so why are you trying to pull from those 2?

Good question!!!

 

*8/10/13
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: USAA EX FAKO 763, one approval today. What else to go for?

Most major cc's will report to all 3 bureaus which would help you build your TLs. Apping for a poor bureau will undoubtedly give you poor results.
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