topic Re: Where to go next? in Credit Card Applications

Where to go next?

Anonymous — Sun, 23 Nov 2014 03:59:51 GMT

Finally gave in to the Chase Freedom mailings and filled out online and got instant approval for $4,500. I did a business app too and will recon that in the morning. I joined Nasa CU and am waiting to hear from them but wondering where I could go next? US bank seems to have 2 cards that are applicable but not sure how reliable that is, I am coming up on my first 6 months with them with my other card. Should I wait on that? Should I try some place like Wells Fargo to get in the door in case I want a mortgage down the road - know that is what they are best for but my mom does have a $10K card with them which isn't shabby. Open to suggestions.

Thanks!

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 04:01:31 GMT

@Anonymous wrote:
Finally gave in to the Chase Freedom mailings and filled out online and got instant approval for $4,500. I did a business app too and will recon that in the morning. I joined Nasa CU and am waiting to hear from them but wondering where I could go next? US bank seems to have 2 cards that are applicable but not sure how reliable that is, I am coming up on my first 6 months with them with my other card. Should I wait on that? Should I try some place like Wells Fargo to get in the door in case I want a mortgage down the road - know that is what they are best for but my mom does have a $10K card with them which isn't shabby. Open to suggestions.

Thanks!

I'd stay away from Wells Fargo.

Try another Chase card like a CSP or BOA.

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 05:04:59 GMT

I did a Chase Ink app that I will recon in the morning .... are you saying I should also go for the CSP in addition to the Freedom and Ink card? .... I do have 5 preapprovals in my hand for Chase Slate cards too. Hadn't really thought of BOA - they pull EX and with Amex already tapping that a few times, I was thinking I should try to find something that pulls transunion since that has the least Inquiries right now. Scores are all good but Citibank just will not let me in the door there - surprisingly.

How about BBVA Compass Signature? In theory they pull TU. Just have the most EX inquiries so was trying to diversify but if you guys think BOA - I can head there.

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 05:13:40 GMT

Barclays!

Doesnt BBVA manually review?

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 05:23:05 GMT

I have a barclays - was waiting for the 6 month mark to apply for the arrival +. I use that card religiously and pay in full each time so should be good but I thought I had to wait out the 6 months for a new app with them?

BBVA is a call in app but it looked like they might give out a heftly limit and pull TU. Like where you are going with this though. Any other thoughts?

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 05:24:50 GMT

Are you averse to annual fees?

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 05:31:18 GMT

Nope not at all. The business card from chase has an annual fee and so does my amex BCP ....

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 05:36:03 GMT

Im running out of TU Pullers. Diner's Club?

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 06:03:26 GMT

@Anonymous wrote:
Im running out of TU Pullers. Diner's Club?

YesYes, let's do it . I also want to apply to Diners Club but they are not taking applications lol.. I am sick of these companies all pulling from Experian. My transunion and Exquifax have no inquiries. I am waiting for Diners and then get to working on it.

Re: Where to go next?

Jerry45 — Sun, 23 Nov 2014 12:20:57 GMT

Congrats on the Freedom!!

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 12:47:55 GMT

I wanna say discover pulls TU. Maybe the it card?

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 14:31:14 GMT

Have a discover it - crappy limit - it was a starter card. Will they issue another and match my existing lines? ...

Re: Where to go next?

Anonymous — Sun, 23 Nov 2014 15:32:09 GMT

Discover typically pulls EQ

Re: Where to go next?

emptypockets — Sun, 23 Nov 2014 16:10:03 GMT

Try another CU - Alliant, Pen Fed, or DCU. I think they all pull EQ. Pen Fed has been great for me. Once you get in with a CC (they use same pull for membership, and credit products within 60 days), they have pre-approvals each quarter for new products with no HP. NASA has good CC limits, and Alliant is easy to deal with, but limits are not as high. DCU has great rates/terms for car loans, though I'm not a member there, I have thought about it. Depends on what you are looking for.