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Contributor
Posts: 90
Registered: ‎10-13-2012
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Which card to get next?

The last card I was approved for was the NFL Visa which I got last December. Since then, my AAoA has taken a bit of a dip since I took out a small student loan at the beginning of the year. Luckily I'll be able to pay it back as I will retroactively receive a scholarship at the end of the year, but until then, I'm going to be slightly short on cash. So, I'm looking for a card with at least a 7 month 0% APR to tide me over until I get reimbursed. I'll be using it mainly for groceries and restaurants and occasionally gas.

You can see the cards I already have in my signature. I recently applied for the Blue Cash Everyday, but was declined due to the fact that my length of time with Amex is too short. 

What card would you recommend I app for? I don't know my scores right now, but I'd estimate my EQ is around 690.


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Established Contributor
Posts: 500
Registered: ‎10-08-2011
0

Re: Which card to get next?

Chase Freedom gets my vote. 0% APR for 15 months, plus $100 back after spending $500 in (I think) the first three months.

      
Community Leader
Senior Contributor
Posts: 26,761
Registered: ‎02-07-2013
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Re: Which card to get next?

How is your CR any baddies?



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Contributor
Posts: 90
Registered: ‎10-13-2012
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Re: Which card to get next?

[ Edited ]

Nah, just a low AAoA (8 months) and a relatively short history (1 year 3 months). I did have fairly high utilization last month, but I have since paid all my balances off and am waiting until each statement cuts to app. 

 

The Chase Freedom looks good, but I'm a little worried about getting approved. How would it compare, approval-wise, to the Citi Forward Student?


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Valued Contributor
Posts: 1,145
Registered: ‎04-13-2013
0

Re: Which card to get next?

I think you'd have a good shot at the Freedom even if it might require a recon. My DH got the Freedom through recon and his EQ was 682. The BoA 123 is also a good card for cash back on groceries and gas. Not sure what type of bonus they got but when I got it years ago, there was a similar $100 statement credit bonus. 


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Community Leader
Senior Contributor
Posts: 26,761
Registered: ‎02-07-2013
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Re: Which card to get next?


528491 wrote:

Nah, just a low AAoA (8 months) and a relatively short history (1 year 3 months). I did have fairly high utilization last month, but I have since paid all my balances off and am waiting until each statement cuts to app. 

 

The Chase Freedom looks good, but I'm a little worried about getting approved. How would it compare, approval-wise, to the Citi Forward Student?


Good chance of both but I would give the edge to freedom for perks and you have put all your ducks in  a row so to speak UTL low AAoA acceptable

Last thing make sure everything is updated on CR  



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Epic Contributor
Posts: 24,158
Registered: ‎10-23-2007
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Re: Which card to get next?

Ask for increase from Barclay for 1.

Then either Amex BCE also 0% and if offered through creditcards.com can be 15 months and $200-$250 bonus or probably the BofA but check the pre-approvals on Citi or Chase along with BofA... the Citi and Chase ones have been good as gold for my partner and a post last week talked of the chase one with no issues and citi too.

 

Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
80 Cards and Counting :smileytongue:
Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: Which card to get next?

Since you are a student, you might try Citi Forward.


By the way... Think you need to update your siggy. Are you still a gold spade with a recent Amex decline? Lol
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Which card to get next?

I would recommend Chase Freedom as well, good luck!!! :smileyhappy:




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
Contributor
Posts: 90
Registered: ‎10-13-2012
0

Re: Which card to get next?

Am I technically out of the garden if the Amex denial was a soft pull? I was never clear on that.

I did try the preapproval sites, but they didn't come up with anything.

It looks like it's down to the Chase Freedom and the Citi Forward. I have to say, the $100 bonus on the Freedom looks mighty enticing, although I do remember there being times when they offered $250 or even $300.


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
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