topic Re: Best Strategy for Next App Spree?! Please HELP in Credit Card Applications

Best Strategy for Next App Spree?! Please HELP

Girlzilla88 — Tue, 21 Jan 2020 20:15:46 GMT

I don't want to go to crazy and I definitely don't want to add a TON of inquiries but here is what I am wanting to add/do and I need you guys/gals help to help me make sense as to adding which when so I don't just app for them all at once lol. My next 'big purchase' will be in May/June 2021 so that will give plenty of time for the 6 months to pass after opening whatever/allever lol.

-I know I want to Open a NFCU account later this year (likely June)

-I know I want to add Synchrony's Car Care CC and (Care Credit this card will replace the crappy one I got by mistake) (After May but I may do this when I open the NFCU so keep the inquiries at the same time/month)

-I know I would like to open Citi Double Cash or Rewards+ Card to add a MC to the mix ((if any of the other is a good MC I won't probably need either))

-I know I would like to open a Platinum or CashReward or More Reward from NFCU when the opt in time is right (probably the 91/3 or whichever it is after opening but I'm still stuck on which one of those ....So as you can see it's a LOT on my plate of TO DO lol.

Re: Best Strategy for Next App Spree?! Please HELP

AllZero — Tue, 21 Jan 2020 20:20:22 GMT

Why not apply for Navy membership now? It should be SP TU to join. Let your account marinate until you apply for a CC product.

Re: Best Strategy for Next App Spree?! Please HELP

Girlzilla88 — Tue, 21 Jan 2020 20:22:48 GMT

Right this moment I still have high UTL so I am worried that will affect their decision.

Re: Best Strategy for Next App Spree?! Please HELP

Anonymous — Tue, 21 Jan 2020 20:22:49 GMT

@AllZero wrote:
Why not apply for Navy membership now? It should be SP TU to join. Let your account marinate until you apply for a CC product.

+1 i totally agree.

Re: Best Strategy for Next App Spree?! Please HELP

AllZero — Tue, 21 Jan 2020 20:28:55 GMT

@Girlzilla88 wrote:
Right this moment I still have high UTL so I am worried that will affect their decision.

You're not applying for credit. Thus, I would think score would be irrelevant.

Re: Best Strategy for Next App Spree?! Please HELP

Girlzilla88 — Tue, 21 Jan 2020 20:31:07 GMT

If that's the case I may join next month LOLOLOL

Re: Best Strategy for Next App Spree?! Please HELP

AllZero — Tue, 21 Jan 2020 20:35:10 GMT

The longer you wait, the shorter your length of membership will be. I think membership length counts a lot for Navy.

They are open 24/7/365+1 for leap year. Call should take about 15-20 minutes. Longer if you want to chit chat with the csr.

Re: Best Strategy for Next App Spree?! Please HELP

Girlzilla88 — Tue, 21 Jan 2020 20:36:43 GMT

Now to figure out the rest XD

Re: Best Strategy for Next App Spree?! Please HELP

Anonymous — Tue, 21 Jan 2020 20:58:57 GMT

@Girlzilla88 wrote:
Right this moment I still have high UTL so I am worried that will affect their decision.

It won't. Their decision for membership is off of your EWS report and your eligibility.

Re: Best Strategy for Next App Spree?! Please HELP

Anonymous — Tue, 21 Jan 2020 21:00:16 GMT

@Girlzilla88 wrote:
Now to figure out the rest XD

If you want to keep your apps down, get your Sync cards, get cashRewards and choose mastercard instead of VISA, get Platinum or More Rewards at 91/3.

Re: Best Strategy for Next App Spree?! Please HELP

Girlzilla88 — Tue, 21 Jan 2020 21:00:26 GMT

OK GREAT TY Now that one is covered lol. Any thoughts on the rest?

Re: Best Strategy for Next App Spree?! Please HELP

Girlzilla88 — Tue, 21 Jan 2020 21:07:59 GMT

@Anonymous wrote:
@Girlzilla88 wrote:
Now to figure out the rest XD
If you want to keep your apps down, get your Sync cards, get cashRewards and choose mastercard instead of VISA, get Platinum or More Rewards at 91/3.

I know I definitely don't want to be over 9 cards total so I may do that and leave my last spot open for a 'can't resist or special card' down the line LOL

Re: Best Strategy for Next App Spree?! Please HELP

kerplunk — Tue, 21 Jan 2020 21:34:52 GMT

Good advice in this thread, but generally, I recommend staying away from companies who have names that are funky and do not sound organic. (As weird as that sounds...)

Comenity

Synchrony

There are others, but as you build your credit profile, think about if you'd still like [whatever card here] still active. The choice is totally yours; just giving you another viewpoint.

Re: Best Strategy for Next App Spree?! Please HELP

Girlzilla88 — Tue, 21 Jan 2020 21:39:52 GMT

@kerplunk wrote:
Good advice in this thread, but generally, I recommend staying away from companies who have names that are funky and do not sound organic. (As weird as that sounds...)

Comenity
Synchrony

There are others, but as you build your credit profile, think about if you'd still like [whatever card here] still active. The choice is totally yours; just giving you another viewpoint.

I know for sure I would want the Car care card from them and the Care Credit from them seems like a good option as well since I have read great reviews on both I have a pretty big car collection?! Well not really only 4 cars and as we all know they can be pretty pricey and I know that card will come in great handy lol. The Care part will come in handy for the super emergency times so I don't wind up in the situation I was in end of last year where I had to break my Garden smh. (yes I am still a little butt hurt) Haha. I have read up and read up on all these cards just like I did with the FU and CashMag card to make sure it's a good direction/add to my wallet so to speak

Re: Best Strategy for Next App Spree?! Please HELP

Girlzilla88 — Tue, 21 Jan 2020 21:56:16 GMT

BUT side note if you can recommend a better card/replacement I would be open

Re: Best Strategy for Next App Spree?! Please HELP

spiritcraft1 — Tue, 21 Jan 2020 22:59:47 GMT

Join yesterday! You have a gift in having an in and need to snatch that ASAP.

Re: Best Strategy for Next App Spree?! Please HELP

Girlzilla88 — Tue, 21 Jan 2020 23:03:57 GMT

LOL LOL LOL YES SIR/MAM!!!! XD

Re: Best Strategy for Next App Spree?! Please HELP

kerplunk — Tue, 21 Jan 2020 23:38:19 GMT

@Girlzilla88 wrote:
@kerplunk wrote:
Good advice in this thread, but generally, I recommend staying away from companies who have names that are funky and do not sound organic. (As weird as that sounds...)

Comenity
Synchrony

There are others, but as you build your credit profile, think about if you'd still like [whatever card here] still active. The choice is totally yours; just giving you another viewpoint.
I know for sure I would want the Car care card from them and the Care Credit from them seems like a good option as well since I have read great reviews on both I have a pretty big car collection?! Well not really only 4 cars and as we all know they can be pretty pricey and I know that card will come in great handy lol. The Care part will come in handy for the super emergency times so I don't wind up in the situation I was in end of last year where I had to break my Garden smh. (yes I am still a little butt hurt) Haha. I have read up and read up on all these cards just like I did with the FU and CashMag card to make sure it's a good direction/add to my wallet so to speak

For my own knowledge, would you mind sharing what benefit Car Care offers you? (Besides a stunning 29.99% APR, haha...)

Re: Best Strategy for Next App Spree?! Please HELP

Girlzilla88 — Tue, 21 Jan 2020 23:43:22 GMT

@kerplunk wrote:
@Girlzilla88 wrote:
@kerplunk wrote:
Good advice in this thread, but generally, I recommend staying away from companies who have names that are funky and do not sound organic. (As weird as that sounds...)

Comenity
Synchrony

There are others, but as you build your credit profile, think about if you'd still like [whatever card here] still active. The choice is totally yours; just giving you another viewpoint.
I know for sure I would want the Car care card from them and the Care Credit from them seems like a good option as well since I have read great reviews on both I have a pretty big car collection?! Well not really only 4 cars and as we all know they can be pretty pricey and I know that card will come in great handy lol. The Care part will come in handy for the super emergency times so I don't wind up in the situation I was in end of last year where I had to break my Garden smh. (yes I am still a little butt hurt) Haha. I have read up and read up on all these cards just like I did with the FU and CashMag card to make sure it's a good direction/add to my wallet so to speak
For my own knowledge, would you mind sharing what benefit Car Care offers you? (Besides a stunning 29.99% APR, haha...)

Sure it's something my local mechanic accepts so if I ever needed 'more expensive work done' I have the option to do 6 months 0% interest and it offers perks for gas, tire places, etc too

Re: Best Strategy for Next App Spree?! Please HELP

kerplunk — Wed, 22 Jan 2020 00:14:12 GMT

Ah, thanks for that explanation. Just make sure that you would be able to pay it off in 6 months, because 30% APR isn’t fun! If it were me, to be completely honest, I wouldn’t bother with a card like that. The odds of you running into a specific situation like that are hopefully slim, but if it did happen, put it on your Chase card. The interests cost would be negligible. Your time would be best spent on doing the best things for your credit profile so that your scores increase, resulting in lower APRs. As many have mentioned, apply to Navy Federal, and then get the Platinum card to use for emergencies where you don’t have the funds to pay for it. That card has a very low APR.

Best of luck!