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

Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 14:38:37 GMT

I have a 637 EQ, 694 TU, and 697 EX, and was thinking about doing an app spree.

I currently have 3 CU cards (2500 and 5000 limits), one is secured with a $500 limit. I did a pre approval on ths Chase site, and the Slate came up, then Freedom. I'm also considering Discover it, BoA, and a Cap One card. Any othere with a high rate of approval with my scores?

Any help would be appreciated

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 14:42:32 GMT

My scores were pretty similar when I got the Discover IT and Chase Freedom. Discover seems ok with thin files, so maybe try them first, although the EQ is a little low, not sure what they will pull.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 14:47:09 GMT

Which cards do you have now? I would go for AMEX (if no Ch7), Freedom, Capital One in that order...you should do the 2 or 3 internet tab option. Remember Cap1 does HPs on all 3 CBs.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 14:47:32 GMT

Thanks. My EQ will go up, hopefully on my next report. I have 3 collection pfd coming off my report.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 14:48:58 GMT

You could wait til those come off...better chance of approvals.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 14:49:53 GMT

thanks mtg,

Which AMEX card are you refering to? I currently have SAFE FCU 5000, Mid Carolina FCU 2500, and SDFCU 500.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 14:51:09 GMT

I was definitely waiting until those came off before I applied.

Also, is it better to do 3-4 apps in a day, same week, or space out over the period of a month or more?

Re: Which cards should I apply for?

Creditaddict — Mon, 13 Jul 2015 14:54:32 GMT

I would apply for Freedom and slate back to back

and venture one and quicksilver back to back.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 14:57:06 GMT

thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 15:02:14 GMT

@Anonymous wrote:
thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?

Ventures have AF but you can downgrade to Venture1 before AF posts. You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 15:04:41 GMT

Did you try cap 1 pre qual?

No they don't have af.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 15:11:46 GMT

@Anonymous wrote:
@Anonymous wrote:
thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?
Ventures have AF but you can downgrade to Venture1 before AF posts. You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.

mtg, did you mean upgrade? So you don't have to pay teh fee when you get the card?

Re: Which cards should I apply for?

Creditaddict — Mon, 13 Jul 2015 15:14:19 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?
Ventures have AF but you can downgrade to Venture1 before AF posts. You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.
mtg, did you mean upgrade? So you don't have to pay teh fee when you get the card?

Quicksilver and Venture 1 don't have AF which is why I suggested them.

and if you use Uber, Uber and Cap1 Quicksilver offer 20% off ALL transactions!!! really adds up!

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 15:17:09 GMT

@Anonymous wrote:
Did you try cap 1 pre qual?

No they don't have af.

I just did the pre approval and the Platinum (0% fee first year, $19 after that), and Quick Silver 1 ($39 annual fee) came up. I'm sure I will get better offers once the 3 pfd's come off my report.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 15:17:25 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?
Ventures have AF but you can downgrade to Venture1 before AF posts. You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.
mtg, did you mean upgrade? So you don't have to pay teh fee when you get the card?

No, i meant downgrade...if you get the venture which has AF, you can downgrade to Venture 1 non-AF. Most people like me get the venture AF because you get 2x points, spend $3k and get 40k points...with Venture1, you only get 1.5 points, have to spend $1k and get 20k points. It wll depend on how much you spend/month.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 15:18:04 GMT

@Creditaddict wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?
Ventures have AF but you can downgrade to Venture1 before AF posts. You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.
mtg, did you mean upgrade? So you don't have to pay teh fee when you get the card?
Quicksilver and Venture 1 don't have AF which is why I suggested them.
and if you use Uber, Uber and Cap1 Quicksilver offer 20% off ALL transactions!!! really adds up!

No, I don't use Uber, but that's good to know.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 15:20:23 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?
Ventures have AF but you can downgrade to Venture1 before AF posts. You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.
mtg, did you mean upgrade? So you don't have to pay teh fee when you get the card?
No, i meant downgrade...if you get the venture which has AF, you can downgrade to Venture 1 non-AF. Most people like me get the venture AF because you get 2x points, spend $3k and get 40k points...with Venture1, you only get 1.5 points, have to spend $1k and get 20k points. It wll depend on how much you spend/month.

ok, you can tell I'm pretty new to the card biz, but talk like this really helps. I have only had my current cards for 2 months.

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 15:21:59 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?
Ventures have AF but you can downgrade to Venture1 before AF posts. You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.
mtg, did you mean upgrade? So you don't have to pay teh fee when you get the card?
No, i meant downgrade...if you get the venture which has AF, you can downgrade to Venture 1 non-AF. Most people like me get the venture AF because you get 2x points, spend $3k and get 40k points...with Venture1, you only get 1.5 points, have to spend $1k and get 20k points. It wll depend on how much you spend/month.
ok, you can tell I'm pretty new to the card biz, but talk like this really helps. I have only had my current cards for 2 months.

No worries...how much do you spend per month on things/bills you can pay with a credit card?

Re: Which cards should I apply for?

Creditaddict — Mon, 13 Jul 2015 15:23:23 GMT

@Anonymous wrote:
@Anonymous wrote:
Did you try cap 1 pre qual?

No they don't have af.
I just did the pre approval and the Platinum (0% fee first year, $19 after that), and Quick Silver 1 ($39 annual fee) came up. I'm sure I will get better offers once the 3 pfd's come off my report.

oh well don't apply until they come off your report!

Re: Which cards should I apply for?

Anonymous — Mon, 13 Jul 2015 15:24:46 GMT

@Creditaddict wrote:
@Anonymous wrote:
@Anonymous wrote:
Did you try cap 1 pre qual?

No they don't have af.
I just did the pre approval and the Platinum (0% fee first year, $19 after that), and Quick Silver 1 ($39 annual fee) came up. I'm sure I will get better offers once the 3 pfd's come off my report.
oh well don't apply until they come off your report!

Trust me, I'm not.