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Rebuilding plan - adjustment needed, credit card suggestions needed

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rubicon
Regular Contributor

Rebuilding plan - adjustment needed, credit card suggestions needed

So at this stage of my rebuilding plan I should be applying for a Cap 1 QS1. I checked the cap 1 pre-qual site and found that I was pre qualified to get a QS1 yayyy! But not so fast. Cap 1 made some recent changes and one is that you cannot apply for multiple cards with them within a 6 month period. My app was denied due to this reason but I did not receive a HP (cap 1 also sent me an email saying this would be the case). 

 

I need a 3rd builder card so I'm wondering if anyone has any suggestions. FYI I bank with Navy Federal Credit Union and have a secured nrewards card that is on it's second billing cycle. I've probably run $1500 through it in the past 2 months and have kept util reporting below 25%.

 

I have zero baddies on EF and EX..TU has two baddies with one set to fall off next month. 


Thanks guys

 

 

Starting FICO: 5/19/16 EX-586, EQ-555, TU-545
FICO 7/22/16 EX-652, EQ-636, TU-589
FICO 8/22/16 EX-659 EQ-628 TU-612
FICO 10/27/20 EX-687, EQ-664, TU-672
FICO 6/14/23 EX-707 EQ-698 TU-712
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Rebuilding plan - adjustment needed, credit card suggestions needed

With a 655 Experian score try American Express maybe the Delta Sky Miles card you can also check their pre-approval site first.
Message 2 of 4
rubicon
Regular Contributor

Re: Rebuilding plan - adjustment needed, credit card suggestions needed

I tried pre qual site with amex, no luck there but maybe in a few months
Starting FICO: 5/19/16 EX-586, EQ-555, TU-545
FICO 7/22/16 EX-652, EQ-636, TU-589
FICO 8/22/16 EX-659 EQ-628 TU-612
FICO 10/27/20 EX-687, EQ-664, TU-672
FICO 6/14/23 EX-707 EQ-698 TU-712
Message 3 of 4
RonM21
Valued Contributor

Re: Rebuilding plan - adjustment needed, credit card suggestions needed

Maybe try other prequal sites too. Your scores are in a range where it depends on which cards you want, but approvals could be hard to come by for some.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 4 of 4
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