topic Add a card? What's best? in Credit Cards

Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 02:27:06 GMT

So I have the QS, a revolving line from my bank, and an auto installment loan. All in good standing now. Should I add another card?

If so, what's out there for fair scores with no annual fees? I despise those things....

Re: Add a card? What's best?

azguy13 — Sat, 10 Dec 2016 02:33:13 GMT

Yes, I would add two more cards. The Chase Freedom Unlimited is a nice card and I would also look into an NFCU membership and apply for one of their cards. All of them have no AF with the exception of the Flagship.

Edit: It all depends on the rewards structures you find appealing and what would benefit you the most. There are many good cards out there to include Discover.

Re: Add a card? What's best?

dragontears — Sat, 10 Dec 2016 02:45:24 GMT

Seriously? The freedom unlimited has the exact same rewards structure as the qs which the OP already has. Randomly recommending cards is not that helpful.
OP I would recommend you look at your spend and figure out if there is a category you might benefit from by having a card just for that (gas, dining, etc).

Re: Add a card? What's best?

azguy13 — Sat, 10 Dec 2016 02:49:14 GMT

@dragontears wrote:
Seriously? The freedom unlimited has the exact same rewards structure as the qs which the OP already has. Randomly recommending cards is not that helpful.
OP I would recommend you look at your spend and figure out if there is a category you might benefit from by having a card just for that (gas, dining, etc).

If you read the entire thing I specifically said that it all depends on the rewards structure the OP would benefit from. Thank you for your input though.

Re: Add a card? What's best?

dragontears — Sat, 10 Dec 2016 03:00:00 GMT

LOL yes I read your after thought. You don't need to be so defensive when someone points out flaws in your advice.
So Thank You for providing vague imput

Re: Add a card? What's best?

newhis — Sat, 10 Dec 2016 03:08:04 GMT

Please define 'fair scores'.

You only have the QS with $300 limit that you opened in August?

You need to report your balance between $3-$20, to have the most points for UTIL.

If you are reporting $0, or $30+ you are not getting all the points you can.

I think you should go with card that will grow with SP CLI.

My favorites for this: Amex BCE and Discover.

If they deny you, you can try again in a few months.

Visit Amex site and try the pre-qual.

I tried evey week until they show me something (when my credit was new, I think I tried for 6-8 weeks).

Good luck.

Re: Add a card? What's best?

azguy13 — Sat, 10 Dec 2016 03:03:52 GMT

@dragontears wrote:
LOL yes I read your after thought. You don't need to be so defensive when someone points out flaws in your advice.
So Thank You for providing vague imput

Input*

For real though, I am not upset at all. OP was just asking for some non-AF cards and those were the first that came to my mind that get the foot in the door at both institutions. Personally, I prefer hotel cards because I am a creature of habit and stay in the same hotels depending on where I travel to. Unfortunately, many of the good ones have an AF.

Re: Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 03:09:51 GMT

I would suggest a Discover It.

You can use the Discover for the 5% back rotating categories and your QS for all non-category spend.

I would also suggest the original Chase Freedom (5% rotating categories) as aneeded option but Chase is harder to get a foot in the door with and I hear Discover is very good with CLI, allowing you to grow with the card. I think that would be a good combination for you. Just look at what their rotating categories are first and see if you can make use of it.

Re: Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 03:11:29 GMT

@newhis wrote:
Please define 'fair scores'.

You only have the QS with $300 limit that you opened in August?
You need to report your balance between $3-$20, to have the most points for UTIL.
If you are reporting $0, or $30+ you are not getting all the points you can.

I think you should go with card that will grow with SP CLI.
My favorites for this: Amex BCE and Discover.
If they deny you, you can try again in a few months.
Visit Amex site and try the pre-qual.
I tried evey week until they show me something (when my credit was new, I think I tried for 6-8 weeks).

Good luck.

Sorry, scores are 590-613. Per CCT. Utilization rate I've kept great. Paying in full well before due date.

Re: Add a card? What's best?

BirchBarlow — Sat, 10 Dec 2016 03:42:36 GMT

Well the Freedom Unlimited is a good card, but it's virtually identical to QS in terms of reward structure. (Does QS have a bonus mall like Chase and Discover?) The original Freedom would be a good companion to QS, but of course Chase is known for denying people with thin files. The Discover 5% card would also be a good companion to QS and I think Discover is more willing to take people with thin files provided they're in good standing.

Re: Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 04:19:21 GMT

I'm honestly suprised I got approved for this Cap1 originally. It did start as a Platinum. I am nervous to apply. I've been pinging the pre-approval sites. The only one showing me any offers atm is US Bank. Any info on those?

<edit>

I would LOVE the Discover IT. But no dice.

Just tried US Bank. No go. I'll be done applying for a while. Need some of these HPs to fall off now.

Re: Add a card? What's best?

newhis — Sat, 10 Dec 2016 04:31:16 GMT

The HPs stop hurting your score after 1 year.

They will drop from your reports in 2 years.

Re: Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 04:39:09 GMT

Open NFCU membership. You will benefit greatly. They also have a variety of cards to choose from and you may get approved with those scores.

Re: Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 04:47:40 GMT

@Anonymous wrote:
Open NFCU membership. You will benefit greatly. They also have a variety of cards to choose from and you may get approved with those scores.

I don't have anyone other than my grandfather who was in the Korean War. Does that count for NFCU?

Re: Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 04:47:18 GMT

@Anonymous wrote:
@Anonymous wrote:
Open NFCU membership. You will benefit greatly. They also have a variety of cards to choose from and you may get approved with those scores.
What is NFCU?

Navy Federal Credit Union. You can join by paying a fee to become a member of the Navy League of San Diego.

Re: Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 04:48:14 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Open NFCU membership. You will benefit greatly. They also have a variety of cards to choose from and you may get approved with those scores.
What is NFCU?
Navy Federal Credit Union. You can join by paying a fee to become a member of the Navy League of San Diego.

OK. Thanks!

Re: Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 05:15:20 GMT

Should I wait on that one? I've had some baddies recently, but all paid. Most are at least a year old I guess, but a few just recently paid.

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Open NFCU membership. You will benefit greatly. They also have a variety of cards to choose from and you may get approved with those scores.
What is NFCU?
Navy Federal Credit Union. You can join by paying a fee to become a member of the Navy League of San Diego.

Re: Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 05:57:38 GMT

You should still be able to establish membership and then you can either apply now or wait a few months. It's a HP to join and a hard pull to app either way

Re: Add a card? What's best?

Anonymous — Sat, 10 Dec 2016 06:03:48 GMT

@Anonymous wrote:
You should still be able to establish membership and then you can either apply now or wait a few months. It's a HP to join and a hard pull to app either way

Looking at the threads on NCFU, it looks like almost everyone is being accepted and granted a decently sized limit. They also seem like a great CU! I just joined NLUS. Going to go into a branch and apply. See how it shakes out. I'm excited! Thanks for the info!

Re: Add a card? What's best?

SouthJamaica — Sat, 10 Dec 2016 17:41:27 GMT

@Anonymous wrote:
@newhis wrote:
Please define 'fair scores'.

You only have the QS with $300 limit that you opened in August?
You need to report your balance between $3-$20, to have the most points for UTIL.
If you are reporting $0, or $30+ you are not getting all the points you can.

I think you should go with card that will grow with SP CLI.
My favorites for this: Amex BCE and Discover.
If they deny you, you can try again in a few months.
Visit Amex site and try the pre-qual.
I tried evey week until they show me something (when my credit was new, I think I tried for 6-8 weeks).

Good luck.

Sorry, scores are 590-613. Per CCT. Utilization rate I've kept great. Paying in full well before due date.

I think you should just garden for awhile.

But if you have a strong desire to apply for something, I think you should go for a Barclay Rewards card or an NFCU card.