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Visa card suggestions?

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megaman1
Regular Contributor

Re: Visa card suggestions?

It's not really to impress anyone, but it's something for myself. haha. I'm sorry I'm weird. Smiley Tongue
All the Visa's I'm looking at have very similar reward percentages for each categories and I kind of want to diversify.

Message 31 of 41
samm90
New Contributor

Re: Visa card suggestions?

The hard to get part are the best limits and aprs
Discover Tu 730(2/14) DCU Eq 725(2/28)

Bouncing back from new accts and inqs. Hope to be back over 760 soon.
Message 32 of 41
LearningMoreAboutCredit
Frequent Contributor

Re: Visa card suggestions?


@chwebb1 wrote:

@megaman1 wrote:

# of INQ's, AAoA (if known), Last app, # of accts, baddies (if any) and scores (FICO not Fako).  Once you provide this and any additional info, members can tell you who pulls what report.

 

I have 4 HP, ~2 year AAoA, last app was December 15 (this morning), 1 Discover and 1 AMEX, TU is 695, EX is 740, and not sure about EQ. Thanks again.


Chase pulled EQ and EX for me. So you might want to try to figure out what your credit score is on there if you want Freedom.

 

Citi only pulled EX for me for the Dividend.

 

I think you have a good chance for either card. My FICO was around 722 on my Citi app, and they gave me a 4k limit and an APR of 17.99%. Chase gave me $1200 at 22.99% with an EQ of 745.


+1

 

Chase and Citi did the same to me.  As other posters have mentioned, select the card that fits your normal spending patterns and reward you for doing so.  Freedom and Dividend have rotating 5% categories.  Look into those again and see if one or both fit your spending habits.


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 33 of 41
Pat94108
Frequent Contributor

Re: Visa card suggestions?

So has the poster been able to find her dream card?

Message 34 of 41
LearningMoreAboutCredit
Frequent Contributor

Re: Visa card suggestions?


@Pat94108 wrote:

So has the poster been able to find her dream card?


Not sure...haven't seen any updates. Hopefully OP did.


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 35 of 41
samm90
New Contributor

Re: Visa card suggestions?

I bet it ends up being either a quicksilver or freedom
Discover Tu 730(2/14) DCU Eq 725(2/28)

Bouncing back from new accts and inqs. Hope to be back over 760 soon.
Message 36 of 41
LearningMoreAboutCredit
Frequent Contributor

Re: Visa card suggestions?


@samm90 wrote:
I bet it ends up being either a quicksilver or freedom

We'll have to wait and see...


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 37 of 41
DigitalArk
Valued Contributor

Re: Visa card suggestions?

Chase Freedom, CSP.

Message 38 of 41
megaman1
Regular Contributor

Re: Visa card suggestions?


@samm90 wrote:
I bet it ends up being either a quicksilver or freedom

On zee money. I got a chase freedom. Thanks for everyone's suggestions!!!

Message 39 of 41
LearningMoreAboutCredit
Frequent Contributor

Re: Visa card suggestions?


@megaman1 wrote:

@samm90 wrote:
I bet it ends up being either a quicksilver or freedom

On zee money. I got a chase freedom. Thanks for everyone's suggestions!!!


Congrats on your Freedom card.


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 40 of 41
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