cancel
Showing results for 
Search instead for 
Did you mean: 

What to apply for?

Regular Contributor

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! 

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | 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 -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Message 1 of 19
18 REPLIES
Regular Contributor

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
Message 2 of 19
Regular Contributor

Re: What to apply for?

3 inquiries, for the cards I got approved on. 

 

My AAoA is only 8 months :/

 

No negatives

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | 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 -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Message 3 of 19
Valued Contributor

Re: What to apply for?

Have you asked for a CLI on your Amex?

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 4 of 19
Regular Contributor

Re: What to apply for?

I have not done that yet

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | 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 -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Message 5 of 19
Valued Contributor

Re: What to apply for?

+1^ get that 3x increase

CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 6 of 19
Moderator Emerita

Re: What to apply for?

Message 7 of 19
Valued Contributor

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) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 8 of 19
Regular Contributor

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.

AMEX Platinum Gold - NPSL | Citi ThankYou Premiere 20k | NASA Platinum Rewards - 20k | Alaska Airlines Visa Signature - 5k x 5 (Not sure why I needed 5.... but still....) | Amex Blue Cash Everyday - 21K | Chase Sapphire Preferred - 15K | Ritz Carlton Card - 10k | 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 -1000

Eq (MyFico) 767 | TU (FICO) 759 | Ex (FAKO): 749
Message 9 of 19
Valued Contributor

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 | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 10 of 19