topic Re: Card recomendation in Credit Card Applications

Card recomendation

Anonymous — Tue, 04 Jul 2017 17:47:28 GMT

I'm looking for a second (well third) Visa card. My FICOs are 707 EQ 667 TU 629 EX. TU and EX are reporting a $5,410 charge off from chase that makes it very difficult to get credit. I have 3 60 day lates on some student loan accounts and a couple 30 day lates on a closed cap1 and Toyota account.

The cards I currently have are:
Cap1 Journey Visa 1month old currently reporting $111/$3000 SL
Total Rewards Visa not yet reporting $1k. I plan to stop using this after the free trip to the Bahamas and using the 10,000 bonus rewards on a trip to Atlantic City(I don't gamble)
Fingerhut 1 month reporting $0/$500
Overstock not yet reporting $1000
Wayfair not yet reporting $1500
Brylane Home not yet reporting $750

Student loans $130k
Toyota $10k

One other charge off reporting as paid in full to synchrony bank/ PayPal

What are you best card recommendations for me?

Do I have a shot at AMEX? Citi? Should I try for NFCU?

Thank you and happy fourth of July!!

Re: Card recomendation

Anonymous — Tue, 04 Jul 2017 17:54:16 GMT

What about Synchrony? I would love a Walmart card as I buy Iams cat food and deodorant there once a month. I would also love a HomeGoods card but since I have the (paid in full) charge off from synchrony IDK if they will let me back in with them.

Re: Card recomendation

Anonymous — Tue, 04 Jul 2017 18:09:41 GMT

I would say NFCU if applicable?, Citi/AMEX may be a long shot....checked citi pre qual yet?

Re: Card recomendation

AverageJoesCredit — Tue, 04 Jul 2017 18:34:01 GMT

I would definetly try to find a lender that pulls Eq as its your best and doesnt show your Chase chargeoff. But that one may haunt you for awhile. Check out the credit pulls database to see who has been pulling Eq and in your state as this may help. I know Citi likes to pull Eq at least for me . Best of luck.