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What should i get?

Valued Contributor

What should i get?

So, we will close on our home on 7/20.

 

I wanted to see what card i should app for....

 

My new scores are: EQ: 626 | TU: 647 | EX: 691

Her new scores are:  697 being the lowest (unsure)

 

We would like to be able to buy some furniture and what not... Rewards are better...

 

Currently we each have a cap one card...

 

Mine is 0$ of 500 limit

Hers is 0$ of 1250 limit.

 

Neither of us has ever had a late......

 

I also have a AMEX corp card that i have had for about a year now.....

 

Any info... Thanks!!!

 

I am aiming to get the highest credit limit possible so that we dont have to get multiple cards Smiley Happy

 

Thanks for your time!!!

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 1 of 11
10 REPLIES
Valued Contributor

Re: What should i get?

BTW - our income together is just about 100K/yr....

 

 

 

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 2 of 11
Mega Contributor

Re: What should i get?

-how long have you had the cap1 card?
-how many INQ's and baddies do you have on each bureau?
-what is your AAoA?



EQ FICO 548 3/3/16
Message 3 of 11
Valued Contributor

Re: What should i get?

My AAoA is 2.7 years  (rounded to 3 i am assuming)

My cap 1 is just about to hit 1 year, and her is just about to hit 2 years.

I have 3 inq's on each CRA and i have NO non paid collections

 

Collections

EQ 3

EX 4

TU 6

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 4 of 11
Super Contributor

Re: What should i get?

 

If your EX FICO is 691, then I'd still lean towards apping for the ZYNC ( assuming that you don't need to revolve a balance ).    You can get it backdated which should limit the damage to your AAoA.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 5 of 11
Valued Contributor

Re: What should i get?

Amex zync!

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 6 of 11
Valued Contributor

Re: What should i get?


pizzadude wrote:

 

If your EX FICO is 691, then I'd still lean towards apping for the ZYNC ( assuming that you don't need to revolve a balance ).    You can get it backdated which should limit the damage to your AAoA.


These scores are from Lender Pull excluding the EQ for that score was just updated from score watch Smiley Happy 

 

AMEX Zync it is!!!!

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 7 of 11
Moderator Emeritus

Re: What should i get?

Zync is a great card.  What are the incomes of you and your wife?  Amex is income sensitive, so if  ya'll are about the same income wise, I would let her go for it and add you as an Additional Cardmember.

 

Either way, you'll both lock in Member Since dates of 2012 which will help if you ever add more Amex cards.


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 8 of 11
Valued Contributor

Re: What should i get?

Well hopefully we will be backdated to my corp amex card which is 1 year now....

 

Our income i believe now is just under 100K

 

I make about 73K on my own and she makes 20-30K/yr

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 9 of 11
Moderator Emeritus

Re: What should i get?

Your EX score is real good as well as your income being highish.   If I were you I would app first for the Zync, and then go for a revolver IF you are approved for Zync. Some popular Amex revolvers are Blue Cash Everyday and Blue Cash Preferred. If you travel, there are several airline ones. I plan on apping for Blue in January


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 10 of 11