topic Which card should I apply for? in Credit Card Applications

Which card should I apply for?

Anonymous — Wed, 12 Feb 2020 17:15:41 GMT

I applied for Uber and Penfed credit card yesterday. I want to apply for one more. I am looking for Wells Fargo, BOA, or Capital One Savior. I have a BK on file from May 2017. Which one do you think is more BK friendly?

Re: Which card should I apply for?

AverageJoesCredit — Wed, 12 Feb 2020 17:20:28 GMT

Cap One

Re: Which card should I apply for?

Cred4All — Wed, 12 Feb 2020 17:25:07 GMT

@AverageJoesCredit wrote:
Cap One

I agree with AJC... knowing you'll take that triple HP.

Re: Which card should I apply for?

Anonymous — Wed, 12 Feb 2020 18:13:02 GMT

@AverageJoesCredit wrote:
Cap One

Capital one is easy to get but Savor is their prime card. You think I got a chance with BK?

Re: Which card should I apply for?

Anonymous — Wed, 12 Feb 2020 18:14:28 GMT

Savor is probably the easiest on that list.

Check the prequal and see if it's there.

Re: Which card should I apply for?

Anonymous — Wed, 12 Feb 2020 18:32:46 GMT

@Anonymous wrote:
Savor is probably the easiest on that list.

Check the prequal and see if it's there.

I don't prequalify for any product.

Re: Which card should I apply for?

M_Smart007 — Wed, 12 Feb 2020 19:25:48 GMT

@AverageJoesCredit wrote:
Cap One

You feeling OK Joe?

Re: Which card should I apply for?

Anonymous — Wed, 12 Feb 2020 19:32:28 GMT

@Anonymous wrote:
@Anonymous wrote:
Savor is probably the easiest on that list.

Check the prequal and see if it's there.
I don't prequalify for any product.

If you don't prequalify, there's a high chance you will be declined. I wouldn't risk it for a triple pull.

Re: Which card should I apply for?

Anonymous — Wed, 12 Feb 2020 19:38:15 GMT

@Anonymous wrote:
... I wouldn't risk it for a triple pull.

Nor would I.

As someone who is with the three lenders inquired about, I'd rank them : BoA, BoA, Boa, with the other two being a (distant) toss-up. For me, a deciding factor is Cap1 costs 3 HPs to approve (or deny) and tends to bucket. Others might feel differently.

Re: Which card should I apply for?

Anonymous — Wed, 12 Feb 2020 19:42:57 GMT

I third that! I'd leave Cap1 alone until you start getting prequals at least. Not worth those HP's.

Re: Which card should I apply for?

Anonymous — Wed, 12 Feb 2020 19:48:45 GMT

@Anonymous wrote:
@Anonymous wrote:
... I wouldn't risk it for a triple pull.
Nor would I.

As someone who is with the three lenders inquired about, I'd rank them : BoA, BoA, Boa, with the other two being a (distant) toss-up. For me, a deciding factor is Cap1 costs 3 HPs to approve (or deny) and tends to bucket. Others might feel differently.

BoA with a 2017 BK?

Re: Which card should I apply for?

Anonymous — Wed, 12 Feb 2020 19:52:48 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
... I wouldn't risk it for a triple pull.
Nor would I.

As someone who is with the three lenders inquired about, I'd rank them : BoA, BoA, Boa, with the other two being a (distant) toss-up. For me, a deciding factor is Cap1 costs 3 HPs to approve (or deny) and tends to bucket. Others might feel differently.

BoA with a 2017 BK?

Yeah, I didn't advise to app them -- only how I would rank them. I'm not sure how long they rquire post BK but they do have a prequal site.

But now that you mention it, if the choice is wait for BoA or app for Cap1 or WF, I'd wait for BoA.

Re: Which card should I apply for?

Anonymous — Wed, 12 Feb 2020 20:22:26 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
... I wouldn't risk it for a triple pull.
Nor would I.

As someone who is with the three lenders inquired about, I'd rank them : BoA, BoA, Boa, with the other two being a (distant) toss-up. For me, a deciding factor is Cap1 costs 3 HPs to approve (or deny) and tends to bucket. Others might feel differently.

BoA with a 2017 BK?
Yeah, I didn't advise to app them -- only how I would rank them. I'm not sure how long they rquire post BK but they do have a prequal site.

But now that you mention it, if the choice is wait for BoA or app for Cap1 or WF, I'd wait for BoA.

BoA doesn't have true prequals. You can put a fake social in and get an offer.

I actually don't like BoA. Burned them in my BK and don't feel bad about it at all. Wells Fargo has Propel which is a pretty decent card.

My personal ranking of creditors is NFCU > Capital One > AMEX > Disco > Citi > Synchrony

@Anonymous With your successes, I think it's probably time to hit the garden and let them age for 6 months before adding any more, especially if you have your eye on the Savor which Capital One can be strict with.