Re: Should I open a new joint credit card[ Edited ]
01-11-2013 01:27 PM - edited 01-11-2013 01:27 PM
It sounds like your FICO score is probably good, assuming that your revolving utilization remains low when you apply.
There are several choices for credit cards that don't have a FTF, do a search and you should be able to find some good recommendatoins ~ obviously you could just go with Cap1 too.
If I were in your situation, I'd gladly open a new account to save the $1,200 in fees. Assuming that you open a rewards card, you'll make some money in addition to saving too.