Established Contributor
jamie123
Posts: 927
Registered: ‎03-22-2012
Re: New and need some help [approved for Blue] Thank you ! :)

I would normally advise you to apply for the Walmart card now, but seeing how your AMEX BCE has such an outstanding CL I would advise you to wait until the BCE reports. Lenders look at your existing CL to determine what they will grant you as their starting CL.

 

Make sure you use the BCE as soon as you can, then wait until 2 weeks after your first statement's payment due date before applying for new cards.

 

I think you need to plan a mini app spree at that point. You could do so much better than a Chase Freedom card. I would still advise getting the Walmart at that point though. Walmart is really a good card to carry. They are the world's largest corporation after all.



Starting Score: EQ 658 6/18/12
Current Score: EQ 690 11/17/14 - EX 687 7/21/14 - TU 701 12/8/14
Goal Score: EQ 720+
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