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Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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next credit card step?

i plan on gardening for the next six months but i would like to start planing for a goal for a credit card so any help would be great and thanks in advance.... i am wondering about chase credit cards i hold my checking accounts there and i am woundering if it would be eaiser to get a card with them. i also would like to know should i try for a blue from amex? or should i try for one of the barclays i keep reading about? in may my cap1 card should go up at least another $250 and will be over $1000.. again thanks in advance


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: next credit card step?

 

I would approach it from the perspective of your credit reports/FICO score ~ do any of them look a lot better or worse than the others ? 

 

Amex usually pulls EX, Chase pulls EQ i think, barclays pulls TU.....

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
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Re: next credit card step?


afbar1114 wrote:

i plan on gardening for the next six months but i would like to start planing for a goal for a credit card so any help would be great and thanks in advance.... i am wondering about chase credit cards i hold my checking accounts there and i am woundering if it would be eaiser to get a card with them. i also would like to know should i try for a blue from amex? or should i try for one of the barclays i keep reading about? in may my cap1 card should go up at least another $250 and will be over $1000.. again thanks in advance


What are your scores?

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

Frequent Contributor
Posts: 306
Registered: ‎01-12-2011
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Re: next credit card step?

Not sure what your CRs look like but I believe chase wants to see 2 yrs worth of creditcard credit before giving you a card.  I think thats the last thing I remember when I spoke to one of their CSRs.  Maybe someone else can chime in


Starting Score: EQ 515 TU 490 EXfaco 510
Current Score: EQ 660 TU 665 EXplus 661
Goal Score: 700


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Established Contributor
Posts: 825
Registered: ‎12-28-2011
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Re: next credit card step?

Chase has only ever pulled EX for me. Same with Bank of America.

Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Re: next credit card step?

well i have at least 3 years of an open credit card. my EQ score was 680 from this site and EX was 666 from amex. i dont kno about TU and last late was over 4 years ago and i have one baddie from about 2 years ago in dispute and planning on paying it off this year if nothis happens and a couple of student loans. i am looking into getting something in the 1000's for once and not 100's 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: next credit card step?


afbar1114 wrote:

well i have at least 3 years of an open credit card. my EQ score was 680 from this site and EX was 666 from amex. i dont kno about TU and last late was over 4 years ago and i have one baddie from about 2 years ago in dispute and planning on paying it off this year if nothis happens and a couple of student loans. i am looking into getting something in the 1000's for once and not 100's 


Maybe if you wait until the end of the year you can get that Chase Freedom!!




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
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Re: next credit card step?

should i apply for a student card?? i am still in school i took a year and a half off so i am finishing up now.


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
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