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    <title>topic Re: What Card Should I Apply For? in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061290#M1480126</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/973576"&gt;@K-in-Boston&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/973576"&gt;@K-in-Boston&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;What about citi double cash or discover IT?&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Double Cash would not fit any of the things you said you wanted in a card. &amp;nbsp;It's a 2% cash back card.&lt;/P&gt;&lt;P&gt;Discover it I addressed earlier on this page.&lt;/P&gt;&lt;P&gt;+1 on Simplicity. &amp;nbsp;Other than balance transfers, it would be useless and with your Experian score I don't think you'd be able to transfer much to be honest. &amp;nbsp;If you are looking for a Citi card for balance transfers, go with the Diamond Preferred.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;The DC fits the balance transfer requirement, as it's typically for 18 months at 0%.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;The DC is the second best card Citi offers, even better than the TY Premier. 2% back + 0% for 18 months is an awesome deal.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I'm not sure where you're getting that the Diamond Preferred is any better than the Simplicity?&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Diamond Preferred is preferable (for lack of a better word) to Simplicity for the simple (see what I did there?) reason that once a Simplicity always a Simplicity, whereas Diamond Preferred can always be product changed to something that better fits the cardholder's needs later, like a Double Cash. &amp;nbsp;The same applicant will also usually see a 1% lower APR on DP vs Simplicity. &amp;nbsp;If approved, I would still be very surprised to see a starting line on any of the Citi issued cards large enough to be useful for a balance transfer.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I guess I was speaking from the prespective of someone who has four Citi cards, and sees the Simplicity's no late fee, no penatly APR as something useful for carrying a balance, so product changing the Simplicity really isn't that big of a deal to me.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Why not just apply for the Double Cash insted of the DP then? Three extra months at 0% isn't a big deal. &amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I've been approved for multiple Citi cards this year with $6,500, $4,600, $5,600, etc. I think those are fine for someone with minor credit card debt, especialy when all three could be a balance transfer card (they're not).&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Edit to add: Retention offers through Citi and random APR offers at 0% are also frequent (from my experience). Only one of my four Citi cards has an APR right now, the other is in the 21 month balance transfer period, and the other two have 0% on balance transfers and purchases for the next eight months.&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Tue, 03 Oct 2017 16:13:27 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2017-10-03T16:13:27Z</dc:date>
    <item>
      <title>What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061138#M1480055</link>
      <description>Hey Fico fam! So I want to go on an app spree today, can anyone help me and advise what card or cards I should apply for or have good chance of getting approved? My scores are below:&lt;BR /&gt;&lt;BR /&gt;FICO - TU-656 EXP-650 EQ-712&lt;BR /&gt;Vantage- TU-712 EQ-670&lt;BR /&gt;&lt;BR /&gt;major cards I have are chase freedom 10k and sapphire 24k.&lt;BR /&gt;&lt;BR /&gt;What cards do you all recommend? I would like 5k plus limits if possible.</description>
      <pubDate>Tue, 03 Oct 2017 13:19:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061138#M1480055</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T13:19:44Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061149#M1480063</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;Hey Fico fam! So I want to go on an app spree today, can anyone help me and advise what card or cards I should apply for or have good chance of getting approved? My scores are below:&lt;BR /&gt;&lt;BR /&gt;FICO - TU-656 EXP-650 EQ-712&lt;BR /&gt;Vantage- TU-712 EQ-670&lt;BR /&gt;&lt;BR /&gt;major cards I have are chase freedom 10k and sapphire 24k.&lt;BR /&gt;&lt;BR /&gt;What cards do you all recommend? I would like 5k plus limits if possible.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;What is your AAOA?&lt;/P&gt;&lt;P&gt;Any baddies?&lt;/P&gt;&lt;P&gt;Any other loans in profile?&lt;/P&gt;&lt;P&gt;Credit card balances vs CLs?&lt;/P&gt;&lt;P&gt;Inquiries? in the past 1 yr and 2 yrs?&lt;/P&gt;&lt;P&gt;Date of last CC/s?&lt;/P&gt;&lt;P&gt;Don't rely on Vantage, only FICO 8.&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 13:28:42 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061149#M1480063</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T13:28:42Z</dc:date>
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    <item>
      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061150#M1480064</link>
      <description>&lt;P&gt;Is there any reason your spree has to be today? What are you looking for? Are you wanting to get into another travel program, or would you prefer cash rewards? What other cards do you have currently?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;One thing that comes to mind is to go for the Freedom Unlimited so you have the "Chase trifecta." That'll allow you to make the most of your Chase points. Don't do that if you have more than five new cards in the past 24 months, though. If you're approved for the FU and the limit is lower than you'd like, you can move limits between cards.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;AMEX is known for its limits, but I'm not sure how they'd react to your profile. You currently have decent limits. That often coaxes nice limits out of new lenders. But your Experian score is on the low end. It's hard to predict what they might do.&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 13:29:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061150#M1480064</guid>
      <dc:creator>HeavenOhio</dc:creator>
      <dc:date>2017-10-03T13:29:27Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061152#M1480066</link>
      <description>With those limits you should be good to go but all depends on what your needs are. Your Eq looks great for a Citi or Disco card but they can also pull Ex so... Might check out credit unions like Navy or Penfed. Hard to say really without knowing what you want to use for.</description>
      <pubDate>Tue, 03 Oct 2017 13:31:08 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061152#M1480066</guid>
      <dc:creator>AverageJoesCredit</dc:creator>
      <dc:date>2017-10-03T13:31:08Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061161#M1480073</link>
      <description>What is your AAOA? About 4-5 yrs&lt;BR /&gt;Any baddies? 2 small collections on EXP and TU totaling $1800&lt;BR /&gt;Any other loans in profile? Just gotta new car Friday so 5 inquiries on my EXP&lt;BR /&gt;Credit card balances vs CLs? 22% ratio on cards&lt;BR /&gt;Inquiries? in the past 1 yr and 2 yrs? 14 total inq&lt;BR /&gt;</description>
      <pubDate>Tue, 03 Oct 2017 13:34:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061161#M1480073</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T13:34:31Z</dc:date>
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    <item>
      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061162#M1480074</link>
      <description>What citi cards do you recommend?</description>
      <pubDate>Tue, 03 Oct 2017 13:35:07 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061162#M1480074</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T13:35:07Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061169#M1480077</link>
      <description>&lt;P&gt;Good advice so far. &amp;nbsp;Just my $0.02, but a limit over $5k with any of the major lenders that would pull your TU or EX scores seems unlikely. &amp;nbsp;You could always check the Citi prequalification page to see if they are offering you any cards with set APRs rather than a range like "12.49-25.49% depending upon creditworthiness." &amp;nbsp;It's difficult to suggest a card without knowing what you are looking for in a credit card - low APR, cash rewards, travel rewards (flexible or for a specific program), balance transfers, etc... and also what your spending looks like.&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 13:39:24 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061169#M1480077</guid>
      <dc:creator>K-in-Boston</dc:creator>
      <dc:date>2017-10-03T13:39:24Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061173#M1480078</link>
      <description>Travel rewards, low apr and balance transfers really... no charge cards</description>
      <pubDate>Tue, 03 Oct 2017 13:42:32 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061173#M1480078</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T13:42:32Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061174#M1480079</link>
      <description>Knowing the kind of card you want is half the battle so you can attack it head on&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;</description>
      <pubDate>Tue, 03 Oct 2017 13:42:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061174#M1480079</guid>
      <dc:creator>AverageJoesCredit</dc:creator>
      <dc:date>2017-10-03T13:42:56Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061179#M1480081</link>
      <description>Im thinking cap1 venture? Discover IT? Amex blue Cash?</description>
      <pubDate>Tue, 03 Oct 2017 13:45:41 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061179#M1480081</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T13:45:41Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061183#M1480084</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;Travel rewards, low apr and balance transfers really... no charge cards&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;The new &lt;A href="https://www.penfed.org/credit-cards/travel-rewards-american-express" target="_self"&gt;PenFed Premium Travel Rewards American Express Card&lt;/A&gt; fits all of those criteria, and they only use Equifax.&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 13:47:17 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061183#M1480084</guid>
      <dc:creator>K-in-Boston</dc:creator>
      <dc:date>2017-10-03T13:47:17Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061190#M1480087</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;Im thinking cap1 venture? Discover IT? Amex blue Cash?&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Cap1 will pull all 3 reports - I would say very marginal chances, but you never know.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Discover pulled Experian for me - approval could go either way, but I would expect a very low starting line. &amp;nbsp;Really only useful for 5% cash back on rotating categories (doubled the first year as well as the 1% back on other purchases) and balance transfers.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Amex Blue Cash would be a maybe - I would expect a very low starting line between $500 and $2000 based on your Experian score, but it could grow huge over time. &amp;nbsp;That would probably not fit any of the criteria you listed that you wanted in a card except for an introductory balance transfer offer.&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 13:51:58 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061190#M1480087</guid>
      <dc:creator>K-in-Boston</dc:creator>
      <dc:date>2017-10-03T13:51:58Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061192#M1480088</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;What citi cards do you recommend?&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;If you're a casual traveler, Citi TY Premier.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;If you're a heavy traveler who stays in hotels, Citi ThankYou Prestige.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 13:53:50 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061192#M1480088</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T13:53:50Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061195#M1480090</link>
      <description>&lt;P&gt;I would rephrase that to say If you're a heavy traveler who stays in &lt;EM&gt;&lt;STRONG&gt;a single hotel&amp;nbsp;&lt;/STRONG&gt;&lt;STRONG&gt;for more than a few days at a time&lt;/STRONG&gt;&lt;/EM&gt;, Citi Thank You Prestige.&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 13:58:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061195#M1480090</guid>
      <dc:creator>UpperNwGuy</dc:creator>
      <dc:date>2017-10-03T13:58:14Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061197#M1480092</link>
      <description>What about citi double cash or discover IT?</description>
      <pubDate>Tue, 03 Oct 2017 13:57:30 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061197#M1480092</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T13:57:30Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061198#M1480093</link>
      <description>Or citi simplicity</description>
      <pubDate>Tue, 03 Oct 2017 13:57:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061198#M1480093</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T13:57:55Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061202#M1480096</link>
      <description>&lt;P&gt;Simplicity is great for 0% balance transfers, but once you no longer need it for balance transfers, you're stuck with it. &amp;nbsp;Citi will not do a product change from Simplicity to any other card.&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 13:59:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061202#M1480096</guid>
      <dc:creator>UpperNwGuy</dc:creator>
      <dc:date>2017-10-03T13:59:43Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061209#M1480100</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;What about citi double cash or discover IT?&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Double Cash would not fit any of the things you said you wanted in a card. &amp;nbsp;It's a 2% cash back card.&lt;/P&gt;&lt;P&gt;Discover it I addressed earlier on this page.&lt;/P&gt;&lt;P&gt;+1 on Simplicity. &amp;nbsp;Other than balance transfers, it would be useless and with your Experian score I don't think you'd be able to transfer much to be honest. &amp;nbsp;If you are looking for a Citi card for balance transfers, go with the Diamond Preferred.&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 14:10:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061209#M1480100</guid>
      <dc:creator>K-in-Boston</dc:creator>
      <dc:date>2017-10-03T14:10:14Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061236#M1480108</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;Travel rewards, low apr and balance transfers really... no charge cards&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Good to know and thank you for posting the data points.&amp;nbsp; Now:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;How often do you travel?&lt;/P&gt;&lt;P&gt;Specifc hotel or various?&lt;/P&gt;&lt;P&gt;Specific airline or various?&lt;/P&gt;&lt;P&gt;I'm assuming you want the BT card to transfer some of your 22% UTL?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Capital One (as others stated) will pull from EX, EQ and&amp;nbsp;TU - If approved, this will likely give you the highest CL you're looking for.&amp;nbsp; Venture does have balance transfer offers as well.&amp;nbsp;Card has an AF, but it is not as high.&amp;nbsp; If you use different hotels/airlines, this is good because you can credit travel charges wtih the miles.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;The other option would be Chase CSP - Again, if you use different hotels/airles, you could transfer your points to those.&amp;nbsp; Look up the partners to make sure your hotel/airline is included. You can also use the URs for cash redemption.&amp;nbsp; This is a signature card, will have to start at $5k CL.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Both above are flexible and great cards with great benefits for car rentals as well.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 14:46:51 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061236#M1480108</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T14:46:51Z</dc:date>
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      <title>Re: What Card Should I Apply For?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061242#M1480109</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/973576"&gt;@K-in-Boston&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;What about citi double cash or discover IT?&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Double Cash would not fit any of the things you said you wanted in a card. &amp;nbsp;It's a 2% cash back card.&lt;/P&gt;&lt;P&gt;Discover it I addressed earlier on this page.&lt;/P&gt;&lt;P&gt;+1 on Simplicity. &amp;nbsp;Other than balance transfers, it would be useless and with your Experian score I don't think you'd be able to transfer much to be honest. &amp;nbsp;If you are looking for a Citi card for balance transfers, go with the Diamond Preferred.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;The DC fits the balance transfer requirement, as it's typically for 18 months at 0%.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;The DC is the second best card Citi offers, even better than the TY Premier. 2% back + 0% for 18 months is an awesome deal.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I'm not sure where you're getting that the Diamond Preferred is any better than the Simplicity?&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Tue, 03 Oct 2017 14:59:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-Card-Should-I-Apply-For/m-p/5061242#M1480109</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2017-10-03T14:59:11Z</dc:date>
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