topic Re: App. Spree Advice PLS. in Credit Cards

App. Spree Advice PLS.

from500to700 — Mon, 22 Jun 2015 15:34:54 GMT

I am planing to have an app Spree on Auguest 1st.

My fico scores are as follow :

Experian : 734

Equifax : 745

Transunion : 756

No enquireis on EX or TU

1 enquirey on Equifax for ATT uverse ( service enquiry )

I have 1 baddie on Experian unpaid judgment from 2008 due to drop on june 2016

I have 2 secured card :

Applied bank since 09/2012 Limit : $5000 , Balance : $200

Cap 1 secured since 03/2013 Limit :$3000 , Balance :$109

Am looking for Capital one venture , Discover , Barclays , Amazon Store Card , Macys, and Belk.

Out of the previoues I have burned Discover on 2006 others I have no relation with .

I want Chase , AMEX, and Citi but they say they never forgive and I burn them in the past so why waste enquiries.

What the order I should apply ?

DO i have to apply all in one day ?

For store cards do I apply in person or online ?

Thanks allot for all the expected help :-).

Re: App. Spree Advice PLS.

GetMeSlick — Mon, 22 Jun 2015 15:45:04 GMT

i dont know about how they consider with that baddie in EX.

My choice of order would be

1)Barclays

2)Discover

3)Macys

4)Capital One (Keep it last, as they dont bother about multiple inqs or accounts). Sure for 3 hps across bureaus.

5)Belk - i dont know about this requirement.

Dont you think of BOFA? They are also TU based for new a/c.

Good luck.

Re: App. Spree Advice PLS.

from500to700 — Mon, 22 Jun 2015 16:49:53 GMT

Thanks alot ,

What cards are good from BOA I have never use them in the past.

Re: App. Spree Advice PLS.

MissMoni223 — Mon, 22 Jun 2015 17:30:11 GMT

@from500to700 wrote:
Thanks alot ,

What cards are good from BOA I have never use them in the past.

Personally, I'm NOT a fan of BOA. If you are a member of a credit union or USAA , I would opt for 1 of their cards.

Re: App. Spree Advice PLS.

from500to700 — Tue, 23 Jun 2015 00:21:44 GMT

Am not member of usaa or cu.

Re: App. Spree Advice PLS.

Closingracer99 — Tue, 23 Jun 2015 00:27:24 GMT

@from500to700 wrote:
Thanks alot ,

What cards are good from BOA I have never use them in the past.

I like BOA. Generous limits and they have deals sort of like what Amex does. The cash rewards card is 3% CB on gas, 2% on groceries and 1% on everything else

Re: App. Spree Advice PLS.

kdm31091 — Tue, 23 Jun 2015 00:32:14 GMT

@Closingracer99 wrote:
@from500to700 wrote:
Thanks alot ,

What cards are good from BOA I have never use them in the past.
I like BOA. Generous limits and they have deals sort of like what Amex does. The cash rewards card is 3% CB on gas, 2% on groceries and 1% on everything else

Which, depending on your spend, can be a relatively weak card. If your gas spend is very high, it can be good, but otherwise, you can get 2% on everything with a Double Cash or even 1.5% with a Quicksilver.

It's one of those cards that needs to be updated or made more competitive, IMO

Re: App. Spree Advice PLS.

Closingracer99 — Tue, 23 Jun 2015 00:36:04 GMT

@kdm31091 wrote:
@Closingracer99 wrote:
@from500to700 wrote:
Thanks alot ,

What cards are good from BOA I have never use them in the past.
I like BOA. Generous limits and they have deals sort of like what Amex does. The cash rewards card is 3% CB on gas, 2% on groceries and 1% on everything else
Which, depending on your spend, can be a relatively weak card. If your gas spend is very high, it can be good, but otherwise, you can get 2% on everything with a Double Cash or even 1.5% with a Quicksilver.

It's one of those cards that needs to be updated or made more competitive, IMO

Eh I find BOA a better bank overall with limits and approvals...at least for me. Citi has been stingy on their limits. Took me another HP to get my double cash from $2,500 to $3,700 when I got accepted

OP also said he burned citi so there is that

Re: App. Spree Advice PLS.

Anonymous — Tue, 23 Jun 2015 00:43:24 GMT

@googlre10 wrote:
i dont know about how they consider with that baddie in EX.

My choice of order would be
1)Barclays
2)Discover
3)Macys
4)Capital One (Keep it last, as they dont bother about multiple inqs or accounts). Sure for 3 hps across bureaus.
5)Belk - i dont know about this requirement.

Dont you think of BOFA? They are also TU based for new a/c.
Good luck.

I agree with the cards in that order. As for BOA, the pulled EX for me on new accounts, and then they pull TU for CLIs

Re: App. Spree Advice PLS.

Anonymous — Tue, 23 Jun 2015 01:11:47 GMT

BoA is good for CLIs and APR reductions but don't expect great rewards out of them

Re: App. Spree Advice PLS.

GetMeSlick — Tue, 23 Jun 2015 16:12:57 GMT

@from500to700 wrote:
Thanks alot ,

What cards are good from BOA I have never use them in the past.

As everyone said, BOFA Cash rewards is good. If you like, you can app both Cash rewards and Better Balance Rewards card(with same HP pull i believe). Its free money of $120(if you have bofa checking/saving account) or $100(for non banking customers) every year. Google it.

Its on my next card list too