Contributor
nenuco
Posts: 228
Registered: ‎07-30-2011
Credit Card App Spree Recommendations
[ Edited ]

Hello Fico Forum members. First off I wanted to thank everyone for their patience and responses. I hope when I know more about credit, I can be as helpful to others as others have been to me on this forum. So I posted a couple questions about my score earlier, because I want to app for a couple cards. Out of the (4) cards I have planned to app for, I plan to use (3) of them frequently. Right know I have 6 CC: Amex BCE, Bank of America Amex, Discover More, Chase Freedom, Capital 1, & a Citi Dividend card. My last applications were in February of this year which was for Chase & Cit. I pay my CC in full every month, and never purchase anything I can't afford.

 

My Scores now are: EX:734/ EQ:743/ TU:743. My "oldest" account is 2 years and 2 months. My income is $27,000 and my total credit is a little less than $20,000 (two of which have a $5K limit.) Also my current AMEX & Chase limits are only $3K each. I am a college student with a job and no loans.

 

The cards I want are:

 

- Chase Sapphire Preferred (Visa Signature or World Mastercard) 

- Chase Hyatt

- Amex Hilton

- Barclay's NFL 

 

The only one I would be apping for just for the sake of the bonus would be Barclay. I tend to travel a lot and my preferred hotels to stay in are Hilton and Hyatt, and with only one of them charging me a $75 annual fee I find it worth it. Getting 2X on travel on the Chase Sapphire would also be ideal. I find these cards worth their respective fees, so I don't mind paying for them. Please let me know if there is any other information that would be helpful. I know my ideal state would be to garden, which I promise I will do after these apps. I truly value all the great insight and advice provided in this forum and would appreciate any on my plan. Again thanks for your awesomeness! 

 

Garden Mode... kind of... sort of (•‿•)