Credit Cards

[Johnny_Favorite]

28 years old female - 44000 a year

1 Bank of America Visa with $5000 limit - 5 years old, reporting 2200 on report but recently paid off (not reporting the payoff).

1 Citi Card (closed/paid as agreed) - 1000 limit (6 years old acct)

1 Daniels Jewelers (closed/paid as agreed) - 500 limit (5 years old acct)

no lates whatsoever

5 inquiries Experian

5 inquiries Equifax

1 inquiry Trans Union

Recently approved for Discover More, Chase Freedom, etc. but not reporting yet. Approved about a week ago with limits between 2000-4000

Fako scores of 730-740 across all bureaus.

This info is for my friend

[creditnocash]

hmm well youd likely want a tu pulled card. 

so anything from ge. 

walmart/sams club ae etc.... 

and with a 5k card reporting id say youd get the discover version. 

are those new cards included in the inq? what limits did they get. 

id say wait until the boa reports 0 or whatever you paid and then app for something ge. 

you could do it now but it would help in the long run. 

wow ok is she looking for a charge card or a revolver? 

most of the uw is the same for all the charge cards. 

if she shops at costco id suggest the true earning since its a great card with cash back and no af with costco membership. 

[Johnny_Favorite]

New cards she received (but not reporting yet)

Discover More (2000)

Chase Freedom (4000)

Citi Diamond (2000)

Target Red (500)

[creditnocash]

edited last post!

[Johnny_Favorite]

I think she's just looking to get her foot in the door with AMEX.

She prefers something with NO FEE.

Charge or Revolver doesn't matter, just wants to establish a relationship without getting denied for credit.

[DeadSpider]

If you cook at home a lot which lots of people do go for Blue Cash Preferred @ $75AF or BCE no AF.

You'll get $300+ back a year with BCP assuming you put about $500 a month on groceries and not including gas or miscellanies.

If you need a referral PM me your email.

[Johnny_Favorite]

Do you think they will approve her for blue cash despite her 5 inquiries? I have a feeling they are going to pull Experian (she's in California)

Would Zync be less inquiry sensitive?

[shakalaka]

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Johnny_Favorite wrote:

Do you think they will approve her for blue cash despite her 5 inquiries? I have a feeling they are going to pull Experian (she's in California)

Would Zync be less inquiry sensitive?

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There is no more Zync. You can not apply for it any more since 10/1

[DeadSpider]

Go for Blue Cash Zync is no longer available ITS GOOOOOOOONNNNNNEEEEEEE 

[creditnocash]

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Johnny_Favorite wrote:

Do you think they will approve her for blue cash despite her 5 inquiries? I have a feeling they are going to pull Experian (she's in California)

Would Zync be less inquiry sensitive?

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zync is not offered anymore. 

but if she wants no af i would go for bce. (blue cash everyday) 

are those inq all in the past year

honestly though with her aaoa and spotless record even with a year of cards (since its not reported yet just the inq) 

i would think she would be fine but its all ymmv.