Credit Card Center Advertiser Disclosure

New Member
Posts: 1
Registered: ‎06-08-2012
0 Kudos

What CC should I app for? USAA, Citi or Amex?

I discovered these boards a few weeks ago when I went to pull my FICO score and am so glad that I did. I’ve lurked around several boards and have decided to jump in for some feedback.


Here’s my situation: My EQ score is 695 and my TU score is 725. The negatives that are influencing my report are my amount of debt - my credit usage is at 54%, besides that everything reports in good shape. They also claim a short credit history. I'm almost 29 and my oldest account opened was 11 years ago - a car loan with Ford Motor Credit paid off in 2004.


Chase Slate – 875/1000 (29.99 APR)

Best Buy – 1856/2700 (24.99 APR)

Ann Taylor – 50/690 (24.99 APR)

Lane Bryant – 0/500 (24.99 APR)

Macy’s – 142/No Limit (22 APR)

Talbots – 0/600 (20 APR)


I get at least 6-8 credit card offers from Citi each week telling me that I’ve been pre-selected and yesterday I got an email from USAA that I was pre-approved for their USAA Rate Advantage at 15.24%. I left Citibank a few years ago and would rather not give them my business on principal (I bank with Chase).


I should also mention that I had the Amex JetBlue from 2006-2008. Kept a low balance and had just PIF when I went to use it and it got declined. Amex had closed my account after a random review of my credit profile. I heard that this happened to several people in the fall of '08 though. The Chase CC was my first CC with a $500 CL and it was increased to $1000 3 years ago where its lived since. The card was due to expire next month and that’s when I got a new Slate card in the mail.


So here's what I want: a credit card that gives me rewards (preferably travel since I do a lot of it, ideally another Amex). I'd also like to get some of these APRs down (especially the Chase one). I'm about to get married in September (we've saved for the last 18 months and are paying for everything in cash). One more thing (and I don't know if it helps me) but my salary is $54K, but with my fiancé added to my total household income (can I do that?) we're at $140,000.


In a few years I'd also like to think about buying a house but it's not in my immediate future.


Thanks all!

Posts: 17,443
Registered: ‎12-30-2011
0 Kudos

Re: What CC should I app for? USAA, Citi or Amex?

[ Edited ]

At 54K income, and a household income (don't think you can declare this until actually married) of 140K, and a near 700 FICO with 50% or higher revolving utilization... just get the cards paid down, get into the 720 or higher range, and go shopping for a higher tier rewards card than the ones you've mentioned currently is my advice.


If you desperately need to get those APR's down (you really don't have that much outstanding debt compared to your income) look for a balance transfer offer specifically; however, I think you're pretty much out of debt in a few months and if you're not looking at buying a house for another few years, it doesn't matter whether you get a new card now, or in the back half of this year once you've prettied up your reports / FICO score.


Edit and PS: if you're getting married in a few months, take some of that money you saved and pay off the balances and then float some of the marriage on the cards instead.  Short-term financing trick to boost your FICO for a new card assuming you apply during the roughly month where your report is a clean sheet for balances.  Might be too late to do that currently this month depending when your statement dates are.



Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)

Take the myFICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.