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Which card should I apply for or should I wait?

New Contributor

Which card should I apply for or should I wait?

I would like to get a decent CC with a CL of at least $2k... Below is my current info... I have very low inquiries for each CRC.

FICO --- TU (692) EQ (669)
1 unpaid Judgment on both reports (except EX) from '04
4 paid chargeoffs from '05

Current CC's

Orchard - $545
Hooters - $945
Capital One - $1750 (2 accounts combined)
Direct Rewards - $300
Bloomingdales - $500
Best Buy Store card - $500
Zero balances on all cards. PIF each month...
9 REPLIES
Senior Contributor

Re: Which card should I apply for or should I wait?


PharmaStockman wrote:
I would like to get a decent CC with a CL of at least $2k... Below is my current info... I have very low inquiries for each CRC.

FICO --- TU (692) EQ (669)
1 unpaid Judgment on both reports (except EX) from '04
4 paid chargeoffs from '05

Current CC's

Orchard - $545
Hooters - $945
Capital One - $1750 (2 accounts combined)
Direct Rewards - $300
Bloomingdales - $500
Best Buy Store card - $500
Zero balances on all cards. PIF each month...

How old is your credit history & what's the AAoA? 

 

If you have a history with your bank, that might be a good place to start.  That's where I got my first decent card after my repair journey began.



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

New Contributor

Re: Which card should I apply for or should I wait?


BungalowMo wrote:

PharmaStockman wrote:
I would like to get a decent CC with a CL of at least $2k... Below is my current info... I have very low inquiries for each CRC.

FICO --- TU (692) EQ (669)
1 unpaid Judgment on both reports (except EX) from '04
4 paid chargeoffs from '05

Current CC's

Orchard - $545
Hooters - $945
Capital One - $1750 (2 accounts combined)
Direct Rewards - $300
Bloomingdales - $500
Best Buy Store card - $500
Zero balances on all cards. PIF each month...

How old is your credit history & what's the AAoA? 

 

If you have a history with your bank, that might be a good place to start.  That's where I got my first decent card after my repair journey began.


Thanks for your reply! My credit history is 8 years, 2 paid off car loans (as cosigner) and 1 current auto lease (never late). My problem is that I messed up 5-6 years ago Smiley Sad

 

I currently bank with Chase, but recently opened up a new account with a smaller bank offering 4.25% on checking (no fee). So my relationshp is quite new.

Senior Contributor

Re: Which card should I apply for or should I wait?


PharmaStockman wrote:

Thanks for your reply! My credit history is 8 years, 2 paid off car loans (as cosigner) and 1 current auto lease (never late). My problem is that I messed up 5-6 years ago Smiley Sad

 

I currently bank with Chase, but recently opened up a new account with a smaller bank offering 4.25% on checking (no fee). So my relationshp is quite new.


Just curious...who's your new bank?  Local or National sized?

 

Well...maybe go in to your bank (chase...with the longer history) & ask them what you can get.  If you havevery few inq, one shouldn't knock you back.  I took a hit on EQ with chase the other day, but I already had 2 on EQ this year...Smiley Sad

 

Even if you lose a couple points, a new TL will be good. Little dip down, then UP UP UP!\

 

**Oh, and for goodness sake...don't feel bad about messing up a few years ago!  We all did!  That's why we're here!!!

Message Edited by BungalowMo on 07-20-2009 01:06 PM


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

New Contributor

Re: Which card should I apply for or should I wait?


BungalowMo wrote:

PharmaStockman wrote:

Thanks for your reply! My credit history is 8 years, 2 paid off car loans (as cosigner) and 1 current auto lease (never late). My problem is that I messed up 5-6 years ago Smiley Sad

 

I currently bank with Chase, but recently opened up a new account with a smaller bank offering 4.25% on checking (no fee). So my relationshp is quite new.


Just curious...who's your new bank?  Local or National sized?

 

Well...maybe go in to your bank (chase...with the longer history) & ask them what you can get.  If you havevery few inq, one shouldn't knock you back.  I took a hit on EQ with chase the other day, but I already had 2 on EQ this year...Smiley Sad

 

Even if you lose a couple points, a new TL will be good. Little dip down, then UP UP UP!\

 

**Oh, and for goodness sake...don't feel bad about messing up a few years ago!  We all did!  That's why we're here!!!

Message Edited by BungalowMo on 07-20-2009 01:06 PM

 

My new bank is local, Provident Bank of NJ...

Not a bad idea, I may just wander over to my local Chase branch tomorrow to see what they can do. Thanks!

Senior Contributor

Re: Which card should I apply for or should I wait?

Check your pm's  Smiley Happy


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Regular Contributor

Re: Which card should I apply for or should I wait?


BungalowMo wrote:

 

**Oh, and for goodness sake...don't feel bad about messing up a few years ago!  We all did!  That's why we're here!!!

Message Edited by BungalowMo on 07-20-2009 01:06 PM

I am here and I have never messed up.

Senior Contributor

Re: Which card should I apply for or should I wait?


GomerPyle wrote:

BungalowMo wrote:

 

**Oh, and for goodness sake...don't feel bad about messing up a few years ago!  We all did!  That's why we're here!!!

Message Edited by BungalowMo on 07-20-2009 01:06 PM

I am here and I have never messed up.


Sure....one bad apple......  Smiley Very HappySmiley Very HappySmiley Very Happy  JK



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Senior Contributor

Re: Which card should I apply for or should I wait?


PharmaStockman wrote:
I would like to get a decent CC with a CL of at least $2k... Below is my current info... I have very low inquiries for each CRC.

FICO --- TU (692) EQ (669)
1 unpaid Judgment on both reports (except EX) from '04
4 paid chargeoffs from '05

Current CC's

Orchard - $545
Hooters - $945
Capital One - $1750 (2 accounts combined)
Direct Rewards - $300
Bloomingdales - $500
Best Buy Store card - $500
Zero balances on all cards. PIF each month...

Somehow I don't see Chase buying off on this, but they might. Is it worth a hard INQ to find out. You could get a lowish CL and then be faced with another hard INQ for a CLI later. Have you tried the BofA pre-app site yet? That might work. You could get some info without getting harded.

Senior Contributor

Re: Which card should I apply for or should I wait?

I wouldn't waste an inquiry on Chase with that many negatives on your reports. BofA in this climate might be tough too. I would wait see what you can do to goodwill that stuff off of your reports.