Which card should I apply for?

aj1901 · ‎10-01-2013

I recently just applied for an auto loan, and would also like to apply for a new credit card so I can get my apps all within the 2 week period. Any recommendations? my scores are EX 672 EQ 650 and TU 691.

aj1901 · ‎10-01-2013

Also 1 old baddie.

Creditaddict · ‎10-01-2013

@aj1901 wrote:
I recently just applied for an auto loan, and would also like to apply for a new credit card so I can get my apps all within the 2 week period. Any recommendations? my scores are EX 672 EQ 650 and TU 691.

Auto and Credit INQ's won't be combined if that's what your thinking....

With that said it's probably still good timing to apply anyway.

Do you have any current credit accounts? limits?

have you checked any of the pre-qual. available on each site like citicards, capital one, chase, barclay?

coldnmn · ‎10-01-2013

More information needed current cards, aaoa etc for anyone to give you any suggestions.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

aj1901 · ‎10-01-2013

i have a cap one card thats almost a year old..authorized user on two chase cards, a citibank card, and a home depot card..AAOA is about 8 years according to myfico

Themanwhocan · ‎10-01-2013

We need to know what types of card you are interested in (cash back, 0% APR for balance transfer, travel rewards, big signup bonus, etc). If Cash back interests you, then you would set your sights on the cards in my signature

Once you know what you want, then we can determine whether you should apply now, or wait for your scores to improve first.

See this list to get you started: http://boardingarea.com/frequentmiler/2012/11/09/best-category-bonuses/

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800

Startome · ‎10-01-2013

Themanwhocan I like your siggy

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)
Starting total revolving credit: $0 | Current total revolving credit: $1600.00
Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013

2013 Goals:
~~1,000.00 Emergency Fund~~
~~1,000.00 Emergency Fund, AGAIN~~
Mechanically Sound Car
~~Unsecured Card~~

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500

Themanwhocan · ‎10-01-2013

@Startome wrote:
Themanwhocan I like your siggy

Thanks. I do what I can.

Its too bad I have to toss the American Express into the sock drawer though. Just not enough cash back potential.

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800

Startome · ‎10-01-2013

Fair enough, the other cards all win somewhere. I have to say it looks cool though.

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)
Starting total revolving credit: $0 | Current total revolving credit: $1600.00
Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013

2013 Goals:
~~1,000.00 Emergency Fund~~
~~1,000.00 Emergency Fund, AGAIN~~
Mechanically Sound Car
~~Unsecured Card~~

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500

lg8302ch · ‎10-01-2013

@Startome wrote:
Themanwhocan I like your siggy

Fully agree and a great way for max. cash back - compliments !