topic Re: I'm looking to apply, any suggestions? in Credit Card Approvals

I'm looking to apply, any suggestions?

quarius — Wed, 01 Jan 2014 17:11:05 GMT

My score is now the highest i've seen it at 766 equifax, I didn't check the others do u think i should pay $20 for the other 2 or just go with it now as i have a good idea were i stand? I got invited for the City Simplicity a few weeks ago and am going for that but I wan't to add to my file, everything is excellent now across the board. Happy New Year everyone and this year has already started great for me.

Re: I'm looking to apply, any suggestions?

Anonymous — Wed, 01 Jan 2014 17:34:34 GMT

If you can afford it I would check the other 2 just for peace of mind. Just because 1 bureau is good there could be wrong information on the other 2. Happy New Year.

Re: I'm looking to apply, any suggestions?

slap_happy — Wed, 01 Jan 2014 17:50:31 GMT

@Anonymous wrote:
If you can afford it I would check the other 2 just for peace of mind. Just because 1 bureau is good there could be wrong information on the other 2. Happy New Year.

Re: I'm looking to apply, any suggestions?

quarius — Wed, 01 Jan 2014 17:57:10 GMT

Ok I bought them just now Experian 747 and Trans 744. What do u guys think?

Re: I'm looking to apply, any suggestions?

Anonymous — Wed, 01 Jan 2014 18:04:27 GMT

What kind of cards are you looking for?

Re: I'm looking to apply, any suggestions?

quarius — Wed, 01 Jan 2014 18:09:49 GMT

@Anonymous wrote:
What kind of cards are you looking for?

Low interest cards. Maybe a few rewards cards.

Re: I'm looking to apply, any suggestions?

Anonymous — Wed, 01 Jan 2014 18:12:22 GMT

Barclays ring for low interest. It is on my short list. Happy with my Freedom IT BCE combo.

Re: I'm looking to apply, any suggestions?

Anonymous — Wed, 01 Jan 2014 18:13:05 GMT

@quarius wrote:
Ok I bought them just now Experian 747 and Trans 744. What do u guys think?

Too late now but I don't recommend buying TU from here, it's a fairly old model (TU98) that not many issuers use. Get the free annual credit report for TU, and either don't worry about the score (just check for errors on the report) or get Walmart/Discover/Barclays etc, that now offer a free TU 08

Re: I'm looking to apply, any suggestions?

Anonymous — Wed, 01 Jan 2014 18:17:22 GMT

Unless you want a 0% promotion, besides barclays I'd check out your local credit unions for low interest.

Re: I'm looking to apply, any suggestions?

quarius — Wed, 01 Jan 2014 18:22:34 GMT

Just applied for City Simplicity and was instant approved for $7200. I already have a walmart card just not in my sig. Barclays i heard is to strict with other new inquireis which im trying to apply for a few cards not just one.

Re: I'm looking to apply, any suggestions?

quarius — Wed, 01 Jan 2014 18:29:10 GMT

Just applied for Chase Slate instant approved for $7200. On a roll here.

Re: I'm looking to apply, any suggestions?

Anonymous — Wed, 01 Jan 2014 18:32:13 GMT

@quarius wrote:
Just applied for Chase Slate instant approved for $7200. On a roll here.

Are you looking for a BT card? BTW 2 very nice CL WTG!

Re: I'm looking to apply, any suggestions?

Anonymous — Wed, 01 Jan 2014 18:32:06 GMT

If you already have Walmart don't you get the TU score anyway?

So Simplicity is a good balance transfer card. Is that what you wanted? No other rewards on that.

Edit: Oh, and slate too!

Re: I'm looking to apply, any suggestions?

Anonymous — Wed, 01 Jan 2014 18:34:22 GMT

I would pause before any more apps and ask what you really want. Slate and Simplicity are very similar, and lack rewards. Don't just app for the sake of apping, and (too late) you don't need to app for cards you got invites to if they don't really meet your needs....

Re: I'm looking to apply, any suggestions?

alvon123 — Wed, 01 Jan 2014 18:54:54 GMT

@quarius wrote:
Just applied for Chase Slate instant approved for $7200. On a roll here.

congrats

Re: I'm looking to apply, any suggestions?

quarius — Wed, 01 Jan 2014 19:06:38 GMT

Sorry guys every card that has good interest will meet my needs, rewards are a plus. Now is the time for me to define my file. I just got instant approved for NFCU line of 25k, this is madness everyone. Im so happy. All the hardwork of last year is paying off for the New Year.

Re: I'm looking to apply, any suggestions?

quarius — Wed, 01 Jan 2014 19:18:48 GMT

Whats this PenFed and what are my chances to this bank for a CC? I heard they are some kind of good.

Re: I'm looking to apply, any suggestions?

Anonymous — Wed, 01 Jan 2014 20:11:10 GMT

@quarius wrote:
Whats this PenFed and what are my chances to this bank for a CC? I heard they are some kind of good.

Penfed is Pentagon Federal Credit Union (penfed.org). They are very conservative in the sense they want very clean credit records, and might not want to see a lot of new accounts. Like some other CUs, they can give high initial credit limits, and, unlike NCFU, are open to everyone once you make a small ($15?) donation to an associated charity.

Most famous for their 5% gas cards, although they have recently been somewhat nerfed, you need another product (money market for example) to still get 5% with their cash rewards program

Re: I'm looking to apply, any suggestions?

quarius — Wed, 01 Jan 2014 20:54:54 GMT

Wow what a day what a day. I'm so happy at my results.

Here they are:

NFCU 25k

DCU 10k

USAA 6k

Chase Slate 7200

Simplicity 7200

Amex Blue 3500

Can't believe my eyes. Now i'm going in the garden until next year and will shoot for Penfed and Barclays next year. Thanks to anyone who helped out.

Re: I'm looking to apply, any suggestions?

09Lexie — Wed, 01 Jan 2014 21:23:48 GMT

Excellent spree! Congratulations