Hello all... Ive been a long time lurker in this forum, and now I come to you all with questions. I just got preapproved for a streamline refi on my current mortgage. So with in the next month or so I plan to apply for a better CC. I currently have two crapital one cards of 1250 and 1500 balances that are 2 and three yrs old respectively. My fico TU is 742, myfico EQ is 685 and my EX lender pull was 718. I have a two year old collection on EQ that i'm try to clear up. and only the one inquiry fro my refi showing on my reports. Now my question is what should I apply for. I want a rewards card to grow with me, in addition to giving me a starting CL higher that my current cards. so what cards are know for being generous with starting credit limits? Is there any chance I might be able to pull off a Amex BCE or BCP. Thanks in advance for iinput It will be truly appreciated.
Starting Score: EQ671 TU675
@gettinit wrote:Hello all... Ive been a long time lurker in this forum, and now I come to you all with questions. I just got preapproved for a streamline refi on my current mortgage. So with in the next month or so I plan to apply for a better CC. I currently have two crapital one cards of 1250 and 1500 balances that are 2 and three yrs old respectively. My fico TU is 742, myfico EQ is 685 and my EX lender pull was 718. I have a two year old collection on EQ that i'm try to clear up. and only the one inquiry fro my refi showing on my reports. Now my question is what should I apply for. I want a rewards card to grow with me, in addition to giving me a starting CL higher that my current cards. so what cards are know for being generous with starting credit limits? Is there any chance I might be able to pull off a Amex BCE or BCP. Thanks in advance for iinput It will be truly appreciated.
I would try for an Amex charge card product... they are NPSL... If you're looking to revolve a balance, you may be able to look at Discover More or Chase... I was able to get a Chase Visa using a recon...
GL!
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
oh yeah my average age of account is 7 years. utilization is currently 20%. Gross annual salary is over 100k.
@gettinit wrote:oh yeah my average age of account is 7 years. utilization is currently 20%. Gross annual salary is over 100k.
You should have no problem going for the Discover More or Chase Freedom... With the Income, you would have a good shot at one of the charge cards, Gold or Premier Rewards is what I would do if I was in your shoes... Amex likes good income, so you may have a shot at Blue Cash Preferred or Blue Cash Everyday, but I would go for the charge card first before pressing my luck with the Amex revolvers.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@wmarat wrote:Is Chase/Discover a good rewards card? I learn new things every day.
@webhopper wrote:
@gettinit wrote:Hello all... Ive been a long time lurker in this forum, and now I come to you all with questions. I just got preapproved for a streamline refi on my current mortgage. So with in the next month or so I plan to apply for a better CC. I currently have two crapital one cards of 1250 and 1500 balances that are 2 and three yrs old respectively. My fico TU is 742, myfico EQ is 685 and my EX lender pull was 718. I have a two year old collection on EQ that i'm try to clear up. and only the one inquiry fro my refi showing on my reports. Now my question is what should I apply for. starting CL I want a rewards card to grow with me, in addition to giving me a higher that my current cards. so what cards are know for being generous with starting credit limits? Is there any chance I might be able to pull off a Amex BCE or BCP. Thanks in advance for iinput It will be truly appreciated.
I would try for an Amex charge card product... they are NPSL... If you're looking to revolve a balance, you may be able to look at Discover More or Chase... I was able to get a Chase Visa using a recon...
GL!
Chase Freedom is a good cash back card.... Discover is not the best rewards card out there, but the rewards are easy to understand, easy to get, and easy to redeem.... Their customer service and cool website makes up for whatever is lacking in premium rewards... I like Discover personally... Their Discover Travel Agents are great if you want to use your discover to book vacations. Other people may criticize discover, but I've managed to keep them around since 1999 despite living through a divorce, judgement and AA by other CC companies in 2008 and recession CLDs... so I'm very loyal because without them I would have been in a pickle during this recession.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
thanks a ton webhopper!
@webhopper wrote:
@wmarat wrote:Is Chase/Discover a good rewards card? I learn new things every day.
@webhopper wrote:
@gettinit wrote:Hello all... Ive been a long time lurker in this forum, and now I come to you all with questions. I just got preapproved for a streamline refi on my current mortgage. So with in the next month or so I plan to apply for a better CC. I currently have two crapital one cards of 1250 and 1500 balances that are 2 and three yrs old respectively. My fico TU is 742, myfico EQ is 685 and my EX lender pull was 718. I have a two year old collection on EQ that i'm try to clear up. and only the one inquiry fro my refi showing on my reports. Now my question is what should I apply for. starting CL I want a rewards card to grow with me, in addition to giving me a higher that my current cards. so what cards are know for being generous with starting credit limits? Is there any chance I might be able to pull off a Amex BCE or BCP. Thanks in advance for iinput It will be truly appreciated.
I would try for an Amex charge card product... they are NPSL... If you're looking to revolve a balance, you may be able to look at Discover More or Chase... I was able to get a Chase Visa using a recon...
GL!
Chase Freedom is a good cash back card.... Discover is not the best rewards card out there, but the rewards are easy to understand, easy to get, and easy to redeem.... Their customer service and cool website makes up for whatever is lacking in premium rewards... I like Discover personally... Their Discover Travel Agents are great if you want to use your discover to book vacations. Other people may criticize discover, but I've managed to keep them around since 1999 despite living through a divorce, judgement and AA by other CC companies in 2008 and recession CLDs... so I'm very loyal because without them I would have been in a pickle during this recession.
Well I have been getting a solicited heavily from discover lately thanks for the feedback ijust might app them, again thank you for your time!