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Contributor
irving_magik
Posts: 167
Registered: ‎07-13-2011
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Who's most likely to give me a prime card.....

So I'm getting closer and closer to my goal and getting ready to apply for some prime cards. My history is that I had about 7 defaulted CCs from 2005 and their have almost all aged off. Just waiting for a couple of more. My scores are below but they should have gone up a bit more since I have a couple more accounts age off. I'll pull my final scores before I apply.

Just doing some research. After everything is aged off, the only negative marks will be a PR (paid judgement) showing only on TU. that won't fall off till 2015. I'll also have a handful of 30 days lates but they are over 4 years old.

This is my wish list:

AMEX BPC
Chase Freedom or Shappire
US Bank Cash+

Who is more likely to extend a larger limit regardless of my current toy limits. I really want the BCP the most.

What APP spree strategy should I take?? Which do you guys recommend I go for first.

I hope all scores will be over 730-740 when I'm ready to app
Fico Scores: TU 734 (08/12/2012) and EQ 716 (12/08/2012)

AMEX BCP $10,000 (opened 09/2012) - Citi TYP $6500 (opened 12/2012) Chase Freedom $1500 (opened 09/2012)

GMAC Mortgage $181,000 (opened 07/2011) - Car Loan $18,000 (opended 01/2011)
Regular Contributor
sewmuchdebt
Posts: 162
Registered: ‎05-14-2009
0

Re: Who's most likely to give me a prime card.....

you will probably also have to take into consideration whether or not any of your previous cards were by creditors who blacklist

Starting Score: EQ 505 jul09
Current Score: EQ 702 TU 693 EX 692 apr12
Goal Score: 700+


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Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Who's most likely to give me a prime card.....

i would app for freedom and amex... IF your EX report is similar to your TU report. If there are big differences then wait until all baddies have aged off. I don't think you have a chance with cash +… You may try discover IT...

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Contributor
irving_magik
Posts: 167
Registered: ‎07-13-2011
0

Re: Who's most likely to give me a prime card.....

Good point, luckily that is not the case....


I will never be able to get a Wells Fargo card since (2) of the COs were WF.

the other ones were:

(2) Sears, I think both of them backed by CBSD,

(1)Bestbuy backed by HSBC

(1) Fletcher's card backed by First credit

The one that does worry was a Providian CC... Right after I defaulted WaMu bought them, the. Chase owns them. They have been showing as Chase for the last couple of years in my report but I really never have had a Chase. Hope that doesn't burn me.
Fico Scores: TU 734 (08/12/2012) and EQ 716 (12/08/2012)

AMEX BCP $10,000 (opened 09/2012) - Citi TYP $6500 (opened 12/2012) Chase Freedom $1500 (opened 09/2012)

GMAC Mortgage $181,000 (opened 07/2011) - Car Loan $18,000 (opended 01/2011)
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Who's most likely to give me a prime card.....

Unfortunately Chase has a long memory and that may be an issue. Only way to really know is to app when ready, it shouldn't be a HP if your blacklisted.



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
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Who's most likely to give me a prime card.....


LS2982 wrote:
Unfortunately Chase has a long memory and that may be an issue. Only way to really know is to app when ready, it shouldn't be a HP if your blacklisted.
+1

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Contributor
irving_magik
Posts: 167
Registered: ‎07-13-2011
0

Re: Who's most likely to give me a prime card.....

So the US bank is harder to get? I've been reading some posts that people have gotten then with low 700s.... And have gotten good limits.....

My EX will be my best score, they should be higher than TU since those two reports are almost identical, minus the PR... So it should be higher.
Fico Scores: TU 734 (08/12/2012) and EQ 716 (12/08/2012)

AMEX BCP $10,000 (opened 09/2012) - Citi TYP $6500 (opened 12/2012) Chase Freedom $1500 (opened 09/2012)

GMAC Mortgage $181,000 (opened 07/2011) - Car Loan $18,000 (opended 01/2011)
Contributor
irving_magik
Posts: 167
Registered: ‎07-13-2011
0

Re: Who's most likely to give me a prime card.....

If I'm correct AMEX will most likely be an EX pull and possibly Chase too.

About a year and a half ago, I got way ahead of my self and did apply for chase. That was before I found these forums. At that time it was a hard pull on EX so is that a sign that I am not blacklisted?
Fico Scores: TU 734 (08/12/2012) and EQ 716 (12/08/2012)

AMEX BCP $10,000 (opened 09/2012) - Citi TYP $6500 (opened 12/2012) Chase Freedom $1500 (opened 09/2012)

GMAC Mortgage $181,000 (opened 07/2011) - Car Loan $18,000 (opended 01/2011)
Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Who's most likely to give me a prime card.....

what were the reasons for denial with chase?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Established Contributor
CribDuchess
Posts: 659
Registered: ‎09-12-2011
0

Re: Who's most likely to give me a prime card.....

You really should have at least one credit line reporting with at least a $5,000 limit on your reports before you go after the Cash+ card as it is a Visa signature card, or even the Chase Sapphire Preferred since that is also a signature card.

 

Amex might be your best strategy - app for the BCP and if approved, ask for a 3x CLI in 61 days.  That might be the quickest way to reach the $5,000 limit, and then you could pursue the CSP and Cash+ cards.

 

 

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K

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