topic Re: Need card advice in Credit Cards

Need card advice

Anonymous — Mon, 28 May 2018 17:14:40 GMT

lookign to apply for a third card.

688-trans

693-equifax

minimal history; 20 years old; never missed payment.

What will I be approved for

Re: Need card advice

Anonymous — Mon, 28 May 2018 17:15:55 GMT

are any amex cards possibilities?

Re: Need card advice

Anonymous — Mon, 28 May 2018 17:18:38 GMT

What kind of card would be useful to you? Which cards do you already have?

Re: Need card advice

Adkins — Mon, 28 May 2018 17:18:38 GMT

We need more data. What kind of card are you looking for? Do you want to pay an annual fee? Are you carrying any balances on your other cards? What other credit cards do you have? Have you check the pre-qualification pages for the major lenders?

Re: Need card advice

Anonymous — Mon, 28 May 2018 17:19:34 GMT

@Adkins wrote:
We need more data. What kind of card are you looking for? Do you want to pay an annual fee? Are you carrying any balances on your other cards? What other credit cards do you have? Have you check the pre-qualification pages for the major lenders?

We're on the same page, Adkins! Lol!

Re: Need card advice

Anonymous — Mon, 28 May 2018 17:19:54 GMT

capital one platinum mastercard and quicksilver one. I don't carry a balance on either. lookign for rewards cards.

Re: Need card advice

Anonymous — Mon, 28 May 2018 17:22:06 GMT

Like cashback rewards? Discover It.

Travel rewards? What kind of travel do you do?

Re: Need card advice

Anonymous — Mon, 28 May 2018 17:22:32 GMT

cashback rewards

Re: Need card advice

Adkins — Mon, 28 May 2018 17:23:20 GMT

@Anonymous wrote:
capital one platinum mastercard and quicksilver one. I don't carry a balance on either. lookign for rewards cards.

What are their limits? There are a few cards that are harder to get unless you have $5K or more credit line already.

Re: Need card advice

Anonymous — Mon, 28 May 2018 17:25:13 GMT

500 and 300. also need a higher cl

Re: Need card advice

Anonymous — Mon, 28 May 2018 17:25:14 GMT

I would try the Discover It. I only had Cap1 and CreditOne when I got approved. It was $1000 to start, but it can grow. I think your scores are better than mine were when I got approved a couple of years ago. Good luck!

Re: Need card advice

kilroy8 — Mon, 28 May 2018 17:41:15 GMT

@Bella's advice is solid. You might also want to look at your spending. Mostly groceries and gas? Try for the Amex Blue Cash Everyday, they usually have a SUB of $150 bonus when you spend $1000 in 3 months, and are 3% cashback on groceries for $6K spend max a year, and 2% at gas stations with no cap.

Re: Need card advice

kilroy8 — Mon, 28 May 2018 17:51:20 GMT

I think both Discover and AmEx have prequalification pages. No HP for those. If you get a offer with a single defined interest rate, it is usually a solid offer.

Re: Need card advice

Shooting-For-800 — Wed, 30 May 2018 13:23:30 GMT

check cap one prequal.

if you are prequal for QS and your score is much better than when you opened old cap one accts, you will get a higher limit on new card.

I went from $3k SL on a card to $10k SL on a card to $30k SL on a card all from Cap One within 4 years.

Your old cards may never get better, but if your profile improves, so will your new accounts.