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What card to get?

Valued Member

What card to get?

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!!
Message 1 of 5
4 REPLIES
Established Contributor

Re: What card to get?


jon17brown wrote:
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....


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 2 of 5
Valued Member

Re: What card to get?

Scores are around 680
Message 3 of 5
Contributor

Re: What card to get?

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 Smiley Happy


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Message 4 of 5
Highlighted
New Contributor

Re: What card to get?

Discover More, Walmart Discover, or Amex Charge

Scores: EQ-798 EX-802 TU-786

CC: |Amex PRG - NPSL| |Citi Simplicity - 22.6K| |CapOne No Hassle Rewards - 20K| |Chase Freedom 17.5K| |CSP 15K| |Discover IT - 7.8K| |Discover More - 6.1K| |GE PC Richard - 4.5K| |Amex Delta Gold - 3.5K| |Citi Goodyear - 2.5K| |CapOne Kohls - 1.5K| |GAP - 1.5K| |Macy's Amex - 1K| |Ann Taylor - 0.5K| |NY&C - 0.5K|
Message 5 of 5