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Which card is good for me??

Valued Member

Which card is good for me??

Trying to decide on a card to app for. I have about 50% usage. AAoA is 1.1 years. And I have about 5 inquiries. No baddies. FICO is about 660.

Will any prime lenders consider me??
Message 1 of 15
14 REPLIES
Mega Contributor

Re: Which card is good for me??


jon17brown wrote:
Trying to decide on a card to app for. I have about 50% usage. AAoA is 1.1 years. And I have about 5 inquiries. No baddies. FICO is about 660.

Will any prime lenders consider me??

Not with the high util. Get that down to 10% then app.

 

What kind of card rewards are you looking for??




EQ FICO 548 3/3/16
Message 2 of 15
Valued Member

Re: Which card is good for me??

What about a store card?? Amazon or Best Buy?
Message 3 of 15
Mega Contributor

Re: Which card is good for me??


jon17brown wrote:
What about a store card?? Amazon or Best Buy?

It's still a bit high. If they approve you it will be a toy limit. 




EQ FICO 548 3/3/16
Message 4 of 15
Senior Contributor

Re: Which card is good for me??

I'd app for Discover IT or Chase Freedom.
Those approvals seem to be relatively attainable with that score 😄
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 15
Valued Contributor

Re: Which card is good for me??

yeah what he said. I got those two with scores around 640 and no util.

Message 6 of 15
Valued Member

Re: Which card is good for me??

Thanks for the suggestions. Approved for both!!
Message 7 of 15
Epic Contributor

Re: Which card is good for me??


jon17brown wrote:
Thanks for the suggestions. Approved for both!!

What kind of limit did you get?

 

I think sometimes people go way crazy over util!

Message 8 of 15
Valued Member

Re: Which card is good for me??

$1500 on chase (new high CL!) and I'm not sure about discover yet.
Message 9 of 15
Mega Contributor

Re: Which card is good for me??


Creditaddict wrote:

jon17brown wrote:
Thanks for the suggestions. Approved for both!!

What kind of limit did you get?

 

I think sometimes people go way crazy over util!


Nobody goes crazy over common knowledge here. High util is a definite no no on new apps. Its purely YMMV if youll be approved and if you do get approved it will more than likely be a low limit.

 

And wait for it.....$1500 is that low limit!

 

Wouldnt be surprised at all if Discover is $1000 or lower.




EQ FICO 548 3/3/16
Message 10 of 15