topic Re: Got my first card app mailing in Credit Card Applications

Got my first card app mailing

Anonymous — Thu, 16 Jul 2015 02:52:30 GMT

today, it's the Citi Simplicity double cash back card. I'm so excited, all my hard work, and advice from here is really paying off.

What do you all think about this card?

Re: Got my first card app mailing

Anonymous — Thu, 16 Jul 2015 03:25:59 GMT

from what i have READ ( so take it with a grain of salt) it's a decent card. in order to get the 1% back as you pay it seems you need to wait a certain amount of time (few days maybe) so if you're one to charge and pay the moment it posts then you won't really benefit.

Re: Got my first card app mailing

Anonymous — Thu, 16 Jul 2015 03:29:26 GMT

Thanks, I have no problem waiting. I'm not going to apply right now anyway. I have three collections that should be coming off at the end of the month, do I will wait for better offers.

Re: Got my first card app mailing

Anonymous — Thu, 16 Jul 2015 04:25:20 GMT

citi is pretty picky. there are other decent regular spend cards that are good as well

Re: Got my first card app mailing

SecretAzure — Thu, 16 Jul 2015 13:55:17 GMT

@Anonymous wrote:
Thanks, I have no problem waiting. I'm not going to apply right now anyway. I have three collections that should be coming off at the end of the month, do I will wait for better offers.

Honestly, until you see your true FICO scores after the collections, I wouldn't apply for anything. And if your scores at that point are under 700 I really wouldn't apply for anything for a while-with one exception, that you do not have any open revolving accounts at this time. If this is the case, I would aim for a capital one card like journey/qs1.

Re: Got my first card app mailing

Anonymous — Thu, 16 Jul 2015 14:42:26 GMT

@SecretAzure wrote:
@Anonymous wrote:
Thanks, I have no problem waiting. I'm not going to apply right now anyway. I have three collections that should be coming off at the end of the month, do I will wait for better offers.
Honestly, until you see your true FICO scores after the collections, I wouldn't apply for anything. And if your scores at that point are under 700 I really wouldn't apply for anything for a while-with one exception, that you do not have any open revolving accounts at this time. If this is the case, I would aim for a capital one card like journey/qs1.

Thanks secret,

As I said previously, I'm not applying for anything until they are off my report. Right now I'm at 627 EQ, 694 TU, 697 EX. When I apply, it will be with a card that only pulls TU or EX, as those scores will be over 700 shortly. Any suggestions?

Re: Got my first card app mailing

SecretAzure — Thu, 16 Jul 2015 14:53:58 GMT

@Anonymous wrote:
@SecretAzure wrote:
@Anonymous wrote:
Thanks, I have no problem waiting. I'm not going to apply right now anyway. I have three collections that should be coming off at the end of the month, do I will wait for better offers.
Honestly, until you see your true FICO scores after the collections, I wouldn't apply for anything. And if your scores at that point are under 700 I really wouldn't apply for anything for a while-with one exception, that you do not have any open revolving accounts at this time. If this is the case, I would aim for a capital one card like journey/qs1.
Thanks secret,
As I said previously, I'm not applying for anything until they are off my report. Right now I'm at 627 EQ, 694 TU, 697 EX. When I apply, it will be with a card that only pulls TU or EX, as those scores will be over 700 shortly. Any suggestions?

Amex BCE, ED, or BCP (this one might be a bit harder to get but you can upgrade BCE to it). Cap1 has some that should be easy to get once those clear as well, like the ones I mentioned above but they triple pull which won't work for you. Also, you can get Chase Slate (Which gives you 1/3 credit scores monthly) but they pull different CRA's depending on where you live, I'd check the credit pull database to see what they might pull in your area.

Re: Got my first card app mailing

Anonymous — Thu, 16 Jul 2015 14:57:23 GMT

@SecretAzure wrote:
@Anonymous wrote:
@SecretAzure wrote:
@Anonymous wrote:
Thanks, I have no problem waiting. I'm not going to apply right now anyway. I have three collections that should be coming off at the end of the month, do I will wait for better offers.
Honestly, until you see your true FICO scores after the collections, I wouldn't apply for anything. And if your scores at that point are under 700 I really wouldn't apply for anything for a while-with one exception, that you do not have any open revolving accounts at this time. If this is the case, I would aim for a capital one card like journey/qs1.
Thanks secret,
As I said previously, I'm not applying for anything until they are off my report. Right now I'm at 627 EQ, 694 TU, 697 EX. When I apply, it will be with a card that only pulls TU or EX, as those scores will be over 700 shortly. Any suggestions?
Amex BCE, ED, or BCP (this one might be a bit harder to get but you can upgrade BCE to it). Cap1 has some that should be easy to get once those clear as well, like the ones I mentioned above but they triple pull which won't work for you. Also, you can get Chase Slate (Which gives you 1/3 credit scores monthly) but they pull different CRA's depending on where you live, I'd check the credit pull database to see what they might pull in your area.

OK, what's BCE, ED, and BCP?

Re: Got my first card app mailing

SecretAzure — Thu, 16 Jul 2015 15:11:42 GMT

@Anonymous wrote:
@SecretAzure wrote:
@Anonymous wrote:
@SecretAzure wrote:
@Anonymous wrote:
Thanks, I have no problem waiting. I'm not going to apply right now anyway. I have three collections that should be coming off at the end of the month, do I will wait for better offers.
Honestly, until you see your true FICO scores after the collections, I wouldn't apply for anything. And if your scores at that point are under 700 I really wouldn't apply for anything for a while-with one exception, that you do not have any open revolving accounts at this time. If this is the case, I would aim for a capital one card like journey/qs1.
Thanks secret,
As I said previously, I'm not applying for anything until they are off my report. Right now I'm at 627 EQ, 694 TU, 697 EX. When I apply, it will be with a card that only pulls TU or EX, as those scores will be over 700 shortly. Any suggestions?
Amex BCE, ED, or BCP (this one might be a bit harder to get but you can upgrade BCE to it). Cap1 has some that should be easy to get once those clear as well, like the ones I mentioned above but they triple pull which won't work for you. Also, you can get Chase Slate (Which gives you 1/3 credit scores monthly) but they pull different CRA's depending on where you live, I'd check the credit pull database to see what they might pull in your area.
OK, what's BCE, ED, and BCP?

Amex BlueCash Everyday, Everyday, and BlueCash Preferred cards. All of these are Amex cards and the first 2 are pretty easy to get (as far as revolvers go). I really wish someone more knowledgable would chime in here.

LOOKING FOR MORE PEOPLE. CreditAddict, CreditCuriousity, Yes-Its-Me, Irish80, guy with TWC(or something), please feel free to chime in now.

Re: Got my first card app mailing

jkt1975 — Thu, 16 Jul 2015 15:33:52 GMT

Barclay....they only pull TU

Re: Got my first card app mailing

SecretAzure — Thu, 16 Jul 2015 15:46:33 GMT

@jkt1975 wrote:
Barclay....they only pull TU

I thought about this but I thought Barclay had higher score requirements.

Re: Got my first card app mailing

OmarGB9 — Thu, 16 Jul 2015 16:31:34 GMT

Actually no. Barclay doesn't care so much about score as much as history and profile. I had a maybe 2.5 year history with an AAoA of 1 year and they approved me for a $2k rewards wmc.

Re: Got my first card app mailing

taxi818 — Thu, 16 Jul 2015 16:36:50 GMT

Well as someone else stated. Citi is picky. however. if they sent you a mailer. with invitation code inside. this is as good as it gets. you would have 95 plus percent chance of approval. even if for low limit high Apr. just something to think about. even if you don't know your fico scores.

Re: Got my first card app mailing

Anonymous — Thu, 16 Jul 2015 16:43:37 GMT

@taxi818 wrote:
Well as someone else stated. Citi is picky. however. if they sent you a mailer. with invitation code inside. this is as good as it gets. you would have 95 plus percent chance of approval. even if for low limit high Apr. just something to think about. even if you don't know your fico scores.

I posted my scores in this thread. They did send me a code as well. Thanks for answering my chances of approval; I was wondering about that.