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What card should I go for?

Valued Member

Re: What card should I go for?

Well applied for the Chase Freedom and was denied. Called for recon and she was very nice. It seemed she was on the verge of giving it to me but she stopped just short and said I didn't have enough history. I probably should have waited until the cap 1 card was past 1 year.

 

Back to the drawing board....

Current scores EX: 678 (lender pull), MyFICO TU: 696 & EQ: 664
Message 11 of 20
Regular Contributor

Re: What card should I go for?

Im curious what your history is.... do you mean AAoA or just credit card history in general?



FICO: EX 662 | EQ 670 | TU 681
Message 12 of 20
Valued Member

Re: What card should I go for?

I posted my credit profile in my original post. In short they said I'm on the right path but I didn't have my revolving accounts (my two cap one cards) long enough yet. 

Current scores EX: 678 (lender pull), MyFICO TU: 696 & EQ: 664
Message 13 of 20
Established Contributor

Re: What card should I go for?


Vwaller72 wrote:

Thanks MF. I don't think I can go NFCU since I'm a veteran not active duty but I do think I can go USAA. I'm wondering if I don't have a chance for a better CL with USAA than Chase.


I agree with you on usaa. You can go to thier website and join. It is painless and their cust service is very helpful and friendly.
Message 14 of 20
New Member

Re: What card should I go for?

Are you going to apply for any other cards before the inquiry hits your report?

Message 15 of 20
Valued Member

Re: What card should I go for?

I tried Discover IT. Same results. I don't want to rack up a bunch of INQ so unless someone has an idea for something they feel good I'll be approved for I plan to sit on what I have for a while. Smiley Wink

Current scores EX: 678 (lender pull), MyFICO TU: 696 & EQ: 664
Message 16 of 20
Moderator Emeritus

Re: What card should I go for?


Vwaller72 wrote:

Well applied for the Chase Freedom and was denied. Called for recon and she was very nice. It seemed she was on the verge of giving it to me but she stopped just short and said I didn't have enough history. I probably should have waited until the cap 1 card was past 1 year.

 

Back to the drawing board....


Recon again... 

Try at least 2 more times before giving up... mention your long employement history, ability to save, etc...


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 17 of 20
Moderator Emeritus

Re: What card should I go for?

Other than than those, Maybe try Amex Green.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 18 of 20
Blogger

Re: What card should I go for?


webhopper wrote:

Vwaller72 wrote:

Well applied for the Chase Freedom and was denied. Called for recon and she was very nice. It seemed she was on the verge of giving it to me but she stopped just short and said I didn't have enough history. I probably should have waited until the cap 1 card was past 1 year.

 

Back to the drawing board....


Recon again... 

Try at least 2 more times before giving up... mention your long employement history, ability to save, etc...


+1

 

If that fails, try 3 more times! Smiley LOL

 

Then do the same thing for Discover It ...

 

Message 19 of 20
Valued Contributor

Re: What card should I go for?

I would try to recon with Chase a couple more times. There has been someone here that did get approved on the 3rd try. If that fails, sit tight for 6 months and then try again.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 20 of 20