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Member
CESEGO
Posts: 24
Registered: ‎11-16-2012
0

What cards to apply? Short credit history

Hello to all..

 

I have 3 credit cards... 2 with me, 1 waiting the mail...

 

Wells Fargo Platinum Visa: $500 CL

Capiital One for Newcomers: $500 CL

Walmart GE Store Card: $500 CL

 

I want one more card, and I want your opinion.

 

What card do you recommend to apply??

 

I'm thinking TJ MAXX or Amazon Store Card, both GE Cards... but what do you think?

 

I have 4 months of credit history, no baddies, collections, blah blah, nothing bad, all payments on time... Capiital One for Newcomers and Walmart Store Card not in my credit report yet..

 

My CK FAKO is 634...

 

I hope some advices.

 

Thank you.

 

 

 

 

Valued Contributor
daybreakgonesXe
Posts: 1,862
Registered: ‎11-17-2012
0

Re: What cards to apply? Short credit history

I would go with the TJ Maxx card...seems a bit easier to obtain compared to Amazon. Better if you apply in store, higher success rate plus the associate can always call directly in for you for a recon, if needed, instead of trying to frantically search online for one! But then again, if you shop a lot more on Amazon compared to TJ Maxx, Amazon may be your better bet.

 

Cheers!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 718 TU 733 Credit Karma (TU) 785 Transrisk 808/990 Credit Sesame (EX) 764 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721
Valued Contributor
beb86
Posts: 1,115
Registered: ‎10-31-2011
0

Re: What cards to apply? Short credit history


CESEGO wrote:

Hello to all..

 

I have 3 credit cards... 2 with me, 1 waiting the mail...

 

Wells Fargo Platinum Visa: $500 CL

Capiital One for Newcomers: $500 CL

Walmart GE Store Card: $500 CL

 

I want one more card, and I want your opinion.

 

What card do you recommend to apply??

 

I'm thinking TJ MAXX or Amazon Store Card, both GE Cards... but what do you think?

 

I have 4 months of credit history, no baddies, collections, blah blah, nothing bad, all payments on time... Capiital One for Newcomers and Walmart Store Card not in my credit report yet..

 

My CK FAKO is 634...

 

I hope some advices.

 

Thank you.

 

 

 

 


I would, personally, let these age for a few months...just my .02

ccpics2.jpg
Valued Contributor
daybreakgonesXe
Posts: 1,862
Registered: ‎11-17-2012
0

Re: What cards to apply? Short credit history


beb86 wrote:

CESEGO wrote:

Hello to all..

 

I have 3 credit cards... 2 with me, 1 waiting the mail...

 

Wells Fargo Platinum Visa: $500 CL

Capiital One for Newcomers: $500 CL

Walmart GE Store Card: $500 CL

 

I want one more card, and I want your opinion.

 

What card do you recommend to apply??

 

I'm thinking TJ MAXX or Amazon Store Card, both GE Cards... but what do you think?

 

I have 4 months of credit history, no baddies, collections, blah blah, nothing bad, all payments on time... Capiital One for Newcomers and Walmart Store Card not in my credit report yet..

 

My CK FAKO is 634...

 

I hope some advices.

 

Thank you.

 

 

 

 


I would, personally, let these age for a few months...just my .02


I agree on letting your puppies age...will give you a better chance of approval and more likely to receive a higher limit.

 

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 718 TU 733 Credit Karma (TU) 785 Transrisk 808/990 Credit Sesame (EX) 764 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721
Blogger
HiLine
Posts: 3,092
Registered: ‎10-19-2012
0

Re: What cards to apply? Short credit history

Why do you want another card? Your response to this question will help us help you better.

Member
CESEGO
Posts: 24
Registered: ‎11-16-2012
0

Re: What cards to apply? Short credit history


daybreakgonesXe wrote:

I would go with the TJ Maxx card...seems a bit easier to obtain compared to Amazon. Better if you apply in store, higher success rate plus the associate can always call directly in for you for a recon, if needed, instead of trying to frantically search online for one! But then again, if you shop a lot more on Amazon compared to TJ Maxx, Amazon may be your better bet.

 

Cheers!


Thank you, another card that you recommend besides TJ Maxx and Amazon??

Greetings.

Member
CESEGO
Posts: 24
Registered: ‎11-16-2012
0

Re: What cards to apply? Short credit history


HiLine wrote:

Why do you want another card? Your response to this question will help us help you better.



I want another credit card because I want 4 revolving accounts, pay it off each month, because I want increase my credit score and I saw that it can help.

 

I want the 4th card from Amazon or TJ Maxx because I'd shop a lot in those stores.

 

Greetings.

Blogger
HiLine
Posts: 3,092
Registered: ‎10-19-2012
0

Re: What cards to apply? Short credit history

For a credit builder, having more than 3 cards may raise a red flag. I'd rather work on improving the CLI's for the cards you already have. One or two cards with high CLI's are more impressive than a bunch of cards with CLI's in the low hundreds.

Valued Contributor
daybreakgonesXe
Posts: 1,862
Registered: ‎11-17-2012
0

Re: What cards to apply? Short credit history


CESEGO wrote:

daybreakgonesXe wrote:

I would go with the TJ Maxx card...seems a bit easier to obtain compared to Amazon. Better if you apply in store, higher success rate plus the associate can always call directly in for you for a recon, if needed, instead of trying to frantically search online for one! But then again, if you shop a lot more on Amazon compared to TJ Maxx, Amazon may be your better bet.

 

Cheers!


Thank you, another card that you recommend besides TJ Maxx and Amazon??

Greetings.


Any regular store card really (aka any store card NOT branded with visa/master/AMEX/discover). So if you shop at certain department stores many are easily attainable, like JCP, Macy's, etc.

 

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 718 TU 733 Credit Karma (TU) 785 Transrisk 808/990 Credit Sesame (EX) 764 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721
Member
CESEGO
Posts: 24
Registered: ‎11-16-2012
0

Re: What cards to apply? Short credit history


HiLine wrote:

For a credit builder, having more than 3 cards may raise a red flag. I'd rather work on improving the CLI's for the cards you already have. One or two cards with high CLI's are more impressive than a bunch of cards with CLI's in the low hundreds.


Thank you for the advice.


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