Reply
Frequent Contributor
Posts: 396
Registered: ‎05-27-2013
0

What should I app for when I leave the garden?

[ Edited ]

Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.

 

1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)

2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)

 

I don't know if it would be beneficial to have both or just one. Any advice or recommendations?

 

PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months Smiley Happy

Frequent Contributor
Posts: 387
Registered: ‎06-15-2013
0

Re: What should I app for when I leave the garden?


SSA_2013 wrote:

Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.

 

1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)

2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)

 

I don't know if it would be beneficial to have both or just one. Any advice or recommendations?

 

PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months Smiley Happy


What cards do you have now?

AMEX BCE: 5k; Barclay Apple: 2.5k; BoA CB: 3k; BoA BBR 4.2k; BoA Travel: 8k; Chase Sapphire: 5k; Chase Freedom: 6k; Citi Diamond: 3k; Discover IT: 9k

June 2013 FICOs: TU: 763; EX: 754; EQ: 764 (was 747 9/2012). Last app 2/20/2014 Garden until 3/2015
Frequent Contributor
Posts: 396
Registered: ‎05-27-2013
0

Re: What should I app for when I leave the garden?

[ Edited ]

hutchj wrote:

SSA_2013 wrote:

Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.

 

1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)

2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)

 

I don't know if it would be beneficial to have both or just one. Any advice or recommendations?

 

PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months Smiley Happy


What cards do you have now?



Chase Sapphire Preferred, Chase Freedom, Citi Forward, Citi Dividend, Discover More, Lowes, Capital One, and the Ring.

Community Leader
Senior Contributor
Posts: 27,465
Registered: ‎02-07-2013
0

Re: What should I app for when I leave the garden?


SSA_2013 wrote:

Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.

 

1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)

2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)

 

I don't know if it would be beneficial to have both or just one. Any advice or recommendations?

 

PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months Smiley Happy


Nice touch and you placed it last to after I read everything Ha ha

Standing down continue your research lol

+ Chase ink =




Frequent Contributor
Posts: 396
Registered: ‎05-27-2013
0

Re: What should I app for when I leave the garden?

[ Edited ]

myjourney wrote:

SSA_2013 wrote:

Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.

 

1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)

2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)

 

I don't know if it would be beneficial to have both or just one. Any advice or recommendations?

 

PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months Smiley Happy


Nice touch and you placed it last to after I read everything Ha ha

Standing down continue your research lol


I knew you would like that. I don't want to get that taser or the gators Smiley Very Happy

Frequent Contributor
Posts: 387
Registered: ‎06-15-2013
0

Re: What should I app for when I leave the garden?


SSA_2013 wrote:

hutchj wrote:

SSA_2013 wrote:

Well, I've looked over my accounts and I like the cards I have. My issue is I decided that I should probably add a financing card/account for larger purchases.

 

1) Bill Me Later (I like the hidden utilization factor + different stores accept it... but don't like that you really don't know what you have as a credit line)

2) Amazon Store Card (I do shop quite a bit at Amazon and would benefit from the 6,12, 24 months of financing when I decide to make a large purchase + GE credit limit increases)

 

I don't know if it would be beneficial to have both or just one. Any advice or recommendations?

 

PS: myjourney + lexie: I'm still in the garden. I'm just curious as to what I should pick up in a few months Smiley Happy


What cards do you have now?



Chase Sapphire Preferred, Chase Freedom, Citi Forward, Citi Dividend, Discover More, Lowes, Capital One, and the Ring.


Personally, I can't comment on BML, but if you do a lot of shopping on Amazon then I guess that would be a good card. Keep in mind the APR is almost 26%. I know because I app'd, was approved, saw the APR & immediately closed it (plus I had read a couple of bad reviews speaking of them having billing issues).

AMEX BCE: 5k; Barclay Apple: 2.5k; BoA CB: 3k; BoA BBR 4.2k; BoA Travel: 8k; Chase Sapphire: 5k; Chase Freedom: 6k; Citi Diamond: 3k; Discover IT: 9k

June 2013 FICOs: TU: 763; EX: 754; EQ: 764 (was 747 9/2012). Last app 2/20/2014 Garden until 3/2015
Frequent Contributor
Posts: 474
Registered: ‎04-09-2012
0

Re: What should I app for when I leave the garden?

When you say you don't know what you have as a credit line for BML, do you mean when you start out?  My available credit and balance are always displayed.  There are always quite a few 0% financing deals with stores that accept BML and there are a lot of stores that are accepted.  Some of the things I've used the 0% financing for is electronics and all-inclusive vacations.  The only way it seems you can get a CLI is to try to purchase something that is more expensive than what your current limit is.  I did this twice and have a weird limit somewhere around $4416. 

 

I also like Amazon's card but I haven't had an opportunity to use it for 0% financing.  Since it is a GE card, it will grow fast.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: What should I app for when I leave the garden?

Haha! I'm glad you know there's always one watching!

To answer your question, if you shop with Amazon I'd do that- GE, SP's for CLI's and sometimes they have the special financing.
Frequent Contributor
Posts: 396
Registered: ‎05-27-2013
0

Re: What should I app for when I leave the garden?


kimmiller112 wrote:

When you say you don't know what you have as a credit line for BML, do you mean when you start out?  My available credit and balance are always displayed.  There are always quite a few 0% financing deals with stores that accept BML and there are a lot of stores that are accepted.  Some of the things I've used the 0% financing for is electronics and all-inclusive vacations.  The only way it seems you can get a CLI is to try to purchase something that is more expensive than what your current limit is.  I did this twice and have a weird limit somewhere around $4416. 

 

I also like Amazon's card but I haven't had an opportunity to use it for 0% financing.  Since it is a GE card, it will grow fast.


I meant to say that with BML you have to attempt a purchase to see if it gets approved or not. I prefer having a set limit beforehand as the last thing I want is an inq just to get denied. So if I knew I had a decent starting CL it would be great. For example, if I knew they would give me a starting line of $3,500 I would know anything over that is a chance. I just don't want to apply for it...get a $500 limit and get an inquiry when I try for a $3,000 purchase. Hopefully it makes sense?

Frequent Contributor
Posts: 396
Registered: ‎05-27-2013
0

Re: What should I app for when I leave the garden?

[ Edited ]

09Lexie wrote:
Haha! I'm glad you know there's always one watching!

To answer your question, if you shop with Amazon I'd do that- GE, SP's for CLI's and sometimes they have the special financing.

I know Smiley Indifferent I just imagine you and myjourney with the big ruler ready to swing at the hand that apps Smiley Very Happy 

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 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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.