topic What would you do now(Advice)? Card/App reccomendations…. in Credit Card Applications

What would you do now(Advice)? Card/App reccomendations….

Anomoly777 — Fri, 08 Mar 2019 00:20:37 GMT

Good Day All. I’ve been lurking forever and very grateful to be apart of the community. Anyway…

Within the next 60 days I believe I'll be ready to begin applying for some more cards. I'm looking to build relations ships with Amex (Everyday Blue) - Chase (Freedom & Chase Freedom Preferred )- Citi (Double Cash Rewards) - Discover.

Cards that i can grow with. Ive never had a relationship with anyone other than Cap1 for credit cards.

I’ve always carried a balance with Cap one And my Credit union card. Hence the no CLI and limits being low. Once scores improve ill wait for all current cards to CLI on their own.

TU: 650

EXP: 650

EQ: 648

UTL: 84%

AAoA: 3yrs 4 months On EXP / EQ & TU 4yrs 3 Months

INQ: 3 (Motorcycle Loan)

Income: $150K (House Hold)

Credit Cards

Cap1 Secured 700 Limit

Cap1 QS1 750 Limit

Cap1 Plat 750 Limit

Local Credit Union Secured 500 Limit

Installment loans

Yamaha Financial (Motorcycle Loan) 1 year old

GM Financial (Auto Loan) 2 years old

Baddies

I have 1 derogatory on my file, a paid off Auto Loan with Santander with 2 30’s and 2 60’s towards the end of the loan.

On Myfico it says 1 30 day late on my total file.

I also have a paid of Snap-On (Tools $5K+) account and A closed Walmart card for 100 dollars from about 3 years ago.

As of today Ive paid my CC’s down to 0% Utilization. Though I don’t know how accurate this is the Myfico simulated score says I’ll be between 728-755 over the next month(once all statements cut and report)

So my question to you all is given my file what would you do?

Re: What would you do now(Advice)? Card/App reccomendations….

Meanmchine — Sat, 09 Mar 2019 03:43:58 GMT

Try the Chase pre-qualify site. I think you would be approved for the Chase Freedom card. You can try the Discover pre-qualify and Amex pre-qualify site too. All of the above results are pretty reliable

Good luck

Re: What would you do now(Advice)? Card/App reccomendations….

Anomoly777 — Sat, 09 Mar 2019 06:04:38 GMT

Yeah, I was thinking that.

Thank you very much for your opionion and direction. Eagar to get this going.

Re: What would you do now(Advice)? Card/App reccomendations….

LittleSal — Sat, 09 Mar 2019 06:19:33 GMT

How long ago were the negative items added to your credit reports?

Re: What would you do now(Advice)? Card/App reccomendations….

Anomoly777 — Mon, 11 Mar 2019 00:20:23 GMT

The 3 INQ's (Motorcycle Loan) April 2nd of this year will make it 1 year

The lates with Santander (2x30days 2x 60days) Feb of 16' Over 3 years ago.