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Established Member
surehit
Posts: 24
Registered: ‎08-16-2013
0

What to apply for?

Hey guys, 

 

I'm new here (been lurking for awhile), but you all seem really knowedgable about cards, so I thought I would ask your advice. I'm looking for a new card to apply for that has a higher limit than some of my other ones, I'm a Sophomore in college with a full-time job where I make ~$40,000 a year. I have an AMEX Blue Cash Everyday Card with a 2k limit, a Chase Amazon Rewards Card with a 1k limit and a credit union $500 secured card. Having a higher limit would help with my utilization as it currently hovers around 30%, but ideally I'd like it a bit lower. My score is around 670 right now due to a Macbook that I purchased last month that bumped my utilization way up temporarily. Anyone have any ideas for cards?

 

Thanks! 

NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 10k | Amex Blue Cash Everyday - 9K | Chase Sapphire Preferred - 6K | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -750

Eq (MyFico) 749 | TU (FICO) 735 | Ex (FAKO): 731
Regular Contributor
mikey78
Posts: 736
Registered: ‎07-22-2013
0

Re: What to apply for?


surehit wrote:

Hey guys, 

 

I'm new here (been lurking for awhile), but you all seem really knowedgable about cards, so I thought I would ask your advice. I'm looking for a new card to apply for that has a higher limit than some of my other ones, I'm a Sophomore in college with a full-time job where I make ~$40,000 a year. I have an AMEX Blue Cash Everyday Card with a 2k limit, a Chase Amazon Rewards Card with a 1k limit and a credit union $500 secured card. Having a higher limit would help with my utilization as it currently hovers around 30%, but ideally I'd like it a bit lower. My score is around 670 right now due to a Macbook that I purchased last month that bumped my utilization way up temporarily. Anyone have any ideas for cards?

 

Thanks! 


Pay your balances down as much as possible
and what's your Aaoa?

do you have any negatives reported in? umm any inquiries??


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Established Member
surehit
Posts: 24
Registered: ‎08-16-2013
0

Re: What to apply for?

3 inquiries, for the cards I got approved on. 

 

My AAoA is only 8 months :/

 

No negatives

NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 10k | Amex Blue Cash Everyday - 9K | Chase Sapphire Preferred - 6K | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -750

Eq (MyFico) 749 | TU (FICO) 735 | Ex (FAKO): 731
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: What to apply for?

Have you asked for a CLI on your Amex?

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Established Member
surehit
Posts: 24
Registered: ‎08-16-2013
0

Re: What to apply for?

I have not done that yet

NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 10k | Amex Blue Cash Everyday - 9K | Chase Sapphire Preferred - 6K | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -750

Eq (MyFico) 749 | TU (FICO) 735 | Ex (FAKO): 731
Established Contributor
Luscher
Posts: 1,038
Registered: ‎03-24-2013
0

Re: What to apply for?

[ Edited ]

+1^ get that 3x increase

CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | DISCOVER IT | CHASE CSP
--------$32,000------------$22,700-------------$18,000----------$11,000--------$8,750-----------$5,000-----

FICO - TU: 780 EX: 785 EQ: 760
Moderator
09Lexie
Posts: 25,865
Registered: ‎09-13-2012
0

Re: What to apply for?

Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: What to apply for?

Do that before applying for any new cards. Your AAoA is low and you should try to garden so that your AAoA increases before adding any new accounts.

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Established Member
surehit
Posts: 24
Registered: ‎08-16-2013
0

Re: What to apply for?

The current utilization on the AMEX is 17%, I could pay that off right now though, I just keep it on there since it's 0% right now.

NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 10k | Amex Blue Cash Everyday - 9K | Chase Sapphire Preferred - 6K | Chase Freedom Visa Signature - 5k | BECU Visa - 3k |Barclaycard Rewards - 2k | Chase Amazon Rewards - 1k | Discover IT Student - 500 | Chase Slate - 500 | Walmart Store Card - 700 | BBY CitiBank - 1500 | BBY CitiBank -750

Eq (MyFico) 749 | TU (FICO) 735 | Ex (FAKO): 731
Established Contributor
Luscher
Posts: 1,038
Registered: ‎03-24-2013
0

Re: What to apply for?

pay it down and do the 3x cli. how long have you had the card?
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | DISCOVER IT | CHASE CSP
--------$32,000------------$22,700-------------$18,000----------$11,000--------$8,750-----------$5,000-----

FICO - TU: 780 EX: 785 EQ: 760

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