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Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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Re: good credit need more cards please advise


kevinjjc wrote:

HiLine wrote:

Looks like PenFed promise offers the lowest APR right now: 9.99%

 

With your credit scores, you're guaranteed a high limit, so I wouldn't worry about this. 


9.99% is definitely not the lowest available APR.


No, but are there lower ones on top-tier rewards cards (which I consider the Penfed Platinum Rewards to be, with 5/3/1 upcapped)

New Contributor
Posts: 63
Registered: ‎01-29-2012
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Re: good credit need more cards please advise

I just apply for Amex:

 

"Thank you for applying for the Blue Cash EverydaySM from American
Express. Your application has been received and will be processed as soon as
possible and we will notify you of the decision by mail within 14 days.
Thank you for applying."

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: good credit need more cards please advise

You can call the loan department to expedite your request. They will tell what is holding it up.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 1,384
Registered: ‎01-14-2009
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Re: good credit need more cards please advise


bs6054 wrote:

kevinjjc wrote:

HiLine wrote:

Looks like PenFed promise offers the lowest APR right now: 9.99%

 

With your credit scores, you're guaranteed a high limit, so I wouldn't worry about this. 


9.99% is definitely not the lowest available APR.


No, but are there lower ones on top-tier rewards cards (which I consider the Penfed Platinum Rewards to be, with 5/3/1 upcapped)


I agree with you, but just wanted to point out that 9.99% is not the lowest APR offered out there.

Valued Contributor
Posts: 1,384
Registered: ‎01-14-2009
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Re: good credit need more cards please advise


r1lukasz wrote:

I just apply for Amex:

 

"Thank you for applying for the Blue Cash EverydaySM from American
Express. Your application has been received and will be processed as soon as
possible and we will notify you of the decision by mail within 14 days.
Thank you for applying."


You can check the status of your application here: https://www.americanexpress.com/myappstatus

 

There's a chance it's already approved.

New Contributor
Posts: 63
Registered: ‎01-29-2012
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Re: good credit need more cards please advise

approved! what will be the next card I can try to apply? I was looking at  US Bank Cash + Visa Signature Card but there is no option to apply online

Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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Re: good credit need more cards please advise


r1lukasz wrote:

approved! what will be the next card I can try to apply? I was looking at  US Bank Cash + Visa Signature Card but there is no option to apply online


Yes, it is branch only at present.  But that really is mainly a reward card (a good one!) rather than low APR, with APR on new cards of a minimum of 13.99.   As previously mentioned, PenFed Platinum Rewards will give you a 9.99% APR, and often a limit as least as high as on the Cash Plus.  This gives the same grocery reward as the Blue Cash Everyday (but is uncapped) and gives 5% on gas rather than 2%.   (Personally, I prefer this to the BCE!)

Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
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Re: good credit need more cards please advise


r1lukasz wrote:

approved! what will be the next card I can try to apply? I was looking at  US Bank Cash + Visa Signature Card but there is no option to apply online


what limit did you get? 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
New Contributor
Posts: 63
Registered: ‎01-29-2012
0

Re: good credit need more cards please advise

Don't know ,it only show status of application : approved

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: good credit need more cards please advise

Congratulations! :smileyhappy:
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014

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