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Posts: 1,914
Registered: ‎11-17-2012
Re: Suggestion for 2013???

Catherine_Credit wrote:

Hi all,

 

So I reached 1 year and 4 month next week from my history, Clean history, just a few inqury from mortgage during June. I currently have $750 with Cap1 unsecured, and orchard bank $300. My husband just got approved for Chase Sapphare perferd last week with a $5k limit.  Whats my next step?? should he add me as a AU, or should I try my luck with a different company. Currently, my goal is Amex SPG, and a low interest rate mortgage. I heard that zync is gone, so what is the easiest card to be approved for AMEX?? Any suggestion would be great, thanks and happy new year.

 

BTW:

 My Fico EX from 12/13 is 731, and all account is paid on time, and never late on payment.


You're score is looking great so far! Congrats to you! If your husband is responsible with credit, having him add you as an AU on the Sapphire will definitely help your chances with getting your own cards Smiley Happy

 

Easiest AMEX to get is the Delta Gold, however your score is looking pretty good! You can probably apply for the SPG, but I would wait until you're added as an AU on your husbands card for better success! All the best in your journey!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 752 VantageScore 3.0: EX 741 EQ 744 TU 745 Credit Sesame (EX) 748 Credit.com (EX) 792 CapOne (TU) 787 Quizzle (EQ) 749