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Valued Member
Posts: 78
Registered: ‎04-01-2012
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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??
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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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??




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
Posts: 78
Registered: ‎04-01-2012
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Re: Which card is good for me??

What about a store card?? Amazon or Best Buy?
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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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. 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
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Re: Which card is good for me??

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

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Valued Member
Posts: 78
Registered: ‎04-01-2012
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Re: Which card is good for me??

Thanks for the suggestions. Approved for both!!
Epic Contributor
Posts: 23,261
Registered: ‎10-23-2007
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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!

Fico Scores: EQ- 668 DCU., TU 704 Best Buy, EX 700 Chase (2/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Valued Member
Posts: 78
Registered: ‎04-01-2012
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Re: Which card is good for me??

$1500 on chase (new high CL!) and I'm not sure about discover yet.
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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