11-05-2012 09:12 AM
11-05-2012 09:25 AM
I am interested in apping for more cards shortly but I want some advice on what to try for. I understand AMEX zync is no longer available?
I have -
CapOne secured - 250 limit - 10 months
CapOne unsecured - 750 limit - 7 months
DCU visa - 1000 limit - 6 months
DCU auto loan - 10,000 - 6 months - three year term already paid down to 6,000.
Perfect payment history and no negatives with about 5% usage. Thanks!!
what are your scores??? seems like you have limited history.... but maybe chase or discover..... chase is very good with recons....
11-05-2012 10:08 AM
My first instinct says go for Walmart.
You have a *chance* to get their Discover card but even if you just get the regular store card you get the free monthly FICO score.
I would wait on Chase.
They told me they're looking for 1 year before approval and they seem to be somewhat INQ sensitive.
Amazon Store Card is another option and AMEX Zync might be good for you.
Just *my* opinion of course
11-05-2012 01:13 PM
Discover More, Walmart Discover, or Amex Charge
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO