Reply
Established Member
surehit
Posts: 22
Registered: ‎08-16-2013

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! 

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

Eq (MyFico) 710 | TU (FICO) 698 > 725 | Ex: Unkown
Regular Contributor
mikey78
Posts: 732
Registered: ‎07-22-2013

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: 22
Registered: ‎08-16-2013

Re: What to apply for?

3 inquiries, for the cards I got approved on. 

 

My AAoA is only 8 months :/

 

No negatives

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

Eq (MyFico) 710 | TU (FICO) 698 > 725 | Ex: Unkown
Valued Contributor
SnackTrader
Posts: 1,558
Registered: ‎09-15-2012

Re: What to apply for?

Have you asked for a CLI on your Amex?

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

Last App: April 2, 2014
Established Member
surehit
Posts: 22
Registered: ‎08-16-2013

Re: What to apply for?

I have not done that yet

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

Eq (MyFico) 710 | TU (FICO) 698 > 725 | Ex: Unkown
Established Contributor
Luscher
Posts: 751
Registered: ‎03-24-2013

Re: What to apply for?

[ Edited ]

+1^ get that 3x increase

Moderator
09Lexie
Posts: 24,195
Registered: ‎09-13-2012

Re: What to apply for?

Valued Contributor
SnackTrader
Posts: 1,558
Registered: ‎09-15-2012

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, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Established Member
surehit
Posts: 22
Registered: ‎08-16-2013

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.

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

Eq (MyFico) 710 | TU (FICO) 698 > 725 | Ex: Unkown
Established Contributor
Luscher
Posts: 751
Registered: ‎03-24-2013

Re: What to apply for?

pay it down and do the 3x cli. how long have you had the card?

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+