topic Re: Wanting a good Visa/Mastercard & Auto trade in question ????? in Credit Cards

Wanting a good Visa/Mastercard & Auto trade in question ?????

Anonymous — Wed, 11 Mar 2009 20:21:58 GMT

I am curently improving my score and would like to get another good Visa/Master Card but need advise as to who to go for. I was thinking CITI Visa?

My Equifax is a FICO 662 with my oldest account being 9 Yrs.(Lowes) and Avg Age being 2Yrs. (Rest of Revolving accounts under 2Yrs) Ulti. 24% and not that many recent inquires. Income $134,000 Self-Employed 10 Yrs.

My best card is a BOA with a $1000 Credit Line and I alos have a Merrick $1200, Hooters $1000, Applied $500, Orchard $800, Sams Credit $440, Lowes $6050, HSBC Bowflex $1000, Shell $300, Kays $1650 (NEW NOT SHOWING) Regional Aceptance (Car Loan 80% Remaining) 13 months old, Paid -Off Auto with Citi Auto Opened May07 DOLA Nov.07 $0 Bal.

Negatives

2-30 Day Lates with Lowes 04' & Begining of 05'

One Settled 3/2008 Collection with Arrow $0 Bal. Opened 3/2006 DOLA 12/2003

HSBC Date Opened 8/2004 Charged-Off $771 DOLA 9/2004

Is an AVG. age of 2Yrs and oldest 9Yrs good enough for most Credit or is that still way to young. I really want another good Visa but do not want a Hrad Pull for nothing. We are thinking of trading in our SUV since my APR would be lower then last yr. I have no lates with Auto but not a lot of History will we have problems with getting a $30,000 SUV with my Income and a 662 Score since my auto inhanced should be better.

Thanks

Donny & Cyndi

Re: Wanting a good Visa/Mastercard & Auto trade in question ?????

Anonymous — Wed, 11 Mar 2009 20:26:39 GMT

Also I only have one account opened in the last yr (Kay) but it is not reporting yet.

How Bad would it hurt to open a couple New accounts just for the Utli lowering from my 24%? From what i figured I should only drop a month and a half per new account on my Avg. Age but should stay at the 2 yr. mark.

Re: Wanting a good Visa/Mastercard & Auto trade in question ?????

Anonymous — Wed, 11 Mar 2009 21:04:47 GMT

I find Citibank was good! Discover was good too but it seems Discover is harder to get. I have them all an djust recently closed a bunch but these two seem decent. I have been with Citi for 20 years!

Re: Wanting a good Visa/Mastercard & Auto trade in question ?????

Anonymous — Wed, 11 Mar 2009 23:20:59 GMT

Bump... Any info or support would be grrrrrrreat.....

Message Edited by CyndibemyLOVE on 03-11-2009 04:20 PM

Re: Wanting a good Visa/Mastercard & Auto trade in question ?????

Anonymous — Thu, 12 Mar 2009 00:10:03 GMT

Google Credit Pulls database......you'll find information on which cards were approved wh with what scores. lAlso what credit report was pulled in your state.

Re: Wanting a good Visa/Mastercard & Auto trade in question ?????

Anonymous — Thu, 12 Mar 2009 04:16:38 GMT

Bump

Re: Wanting a good Visa/Mastercard & Auto trade in question ?????

Creditaddict — Thu, 12 Mar 2009 04:19:39 GMT

Sams Discover. they pull EQ I believe always since it's GE.

Sams seems to give higher CL then Walmart, but if not sams in your area, walmart would work.

Re: Wanting a good Visa/Mastercard & Auto trade in question ?????

Anonymous — Thu, 12 Mar 2009 04:56:34 GMT

With my score and old colections would i be able to get a decent cl?

Re: Wanting a good Visa/Mastercard & Auto trade in question ?????

Creditaddict — Thu, 12 Mar 2009 05:00:52 GMT

well since Lowes seems to really like you, also GE... I would lean towards yes, but you just never know