topic Re: Travel card in Credit Cards

Travel card

Anonymous — Sun, 17 Feb 2019 04:45:14 GMT

So I have been improving my score all payments are always on time yada yada. Now I applied for a P.C. Richards and Marshall’s card and was approved scores high 600’s only report unlocked is TransUnion. however the one and only next card I really care to apply for is a travel card because I travel JetBlue a lot not just to me but with my kids as well. Has anyone had any luck in applying for travel rewards card with their score in the high 600s? Is it maybe best to wait until I hit the 700 mark? Would I have to have all 3 reports at the same score and unlocked to apply?

Re: Travel card

wasCB14 — Sun, 17 Feb 2019 05:49:53 GMT

I don't know your approval odds, or what the best bonus offer is, but Barclays issues two JetBlue cards and tends to pull TU only.

Re: Travel card

Anonymous — Sun, 17 Feb 2019 10:47:26 GMT

If you don't app now before your store cards hit, you'll probably want to wait at least 6 months.

Somebody mentioned Barclaycard, but they seem to like a high AAoA -- what was yours before these two store cards?

You'll need to unlock EQ, but PenFed Pathfinder could do you well. My app from yesterday is pending, but I've seen data points for $20k+ SL with scores in the 600's.

Re: Travel card

Anonymous — Sun, 17 Feb 2019 10:58:09 GMT

I think you should try the jetblue card or a wf propel. There is only 2 possible outcomes and worse one is you have to waiting for half a year.

Re: Travel card

Anonymous — Sun, 17 Feb 2019 13:22:32 GMT

Now my scores did drop because of the Marshall’s. I tried some kind of Tavel card the same day and app is pending (probably won’t get it) so that was a waste. But it was the 670 when I was approved for the marshals and PC Richard and son, again with just TransUnion I licked. Now one of the things I did notice is all for these cards are issued by the synchrony bank I honestly want to avoid them as much as possible Because I did see a forum where someone was mentioning they applied for a lot of synchrony bank cards and at some point down the line it did cause issues I actually don’t care too much for retail cards. Last card I want is a travel card and ikea since I’ll be doing home buying but for now JetBlue/travels card

Re: Travel card

Shadowfactor — Sun, 17 Feb 2019 13:46:49 GMT

Welcome to the forums!

Can you provide some more details about your credit profile such as number of accounts, age of accounts, AAoA, AoYA, FICO 8 scores etc.

There’s too many variables in play to make educated guesses off high 600’s score. There’s a lot more to your credit report then just your fico score.

An example : one of the moderators here was just declined for a travel credit card with an 800+ credit score because he wasn’t aware of a accounts/number of months rule. More and more banks are developing anti-churning rules. Not saying this applies to you but it’s good to have all the information so we can Help you make the best decision.

With all that being said. If the scores mentioned are FICO scores (not credit karma/other free apps) you could have a decent shot at the JetBlue MasterCard. Being that it’s a cobranded card, the UW requirements are usually less strict then other travel cards.

Re: Travel card

Anonymous — Sun, 17 Feb 2019 14:00:42 GMT

So all of my cards were opened up between April of last year and Friday that just passed. I have about six different cards right now. And no those were actually my scores with Credit Karma and Sesame. I keep seeing many different things regarding fico is there a free app to pull up fico and if not what is a legitimate website to pull up my Fico scores

Re: Travel card

Anonymous — Sun, 17 Feb 2019 14:04:28 GMT

you can get an experian free trial and see what your score is, just be sure to cancel before free period expires.

some credit cards offer free fico scores, like Discover IT, Amex, Wells fargo cards.

Re: Travel card

Shadowfactor — Sun, 17 Feb 2019 14:07:41 GMT

Credit karma/sesame scores are worthless.
They are based on VantageScore 3. This is not used by Lenders. Credit Karma is a good tool to look your reports and get weekly updates of the information contained on your reports.

You can signup for a $1 trial of Experian CreditWorks Premium. It will let you see your 3B FICO 8 scores and 3B report. Cancelling the trial is easily done online.

Can you list out each card with the approx opening month/year.
Credit card 1 - oct/2018 and it’s credit limit.

When you get the information from Experian. Look for Average Age of Accounts found on your report and post it here.

Re: Travel card

Remedios — Sun, 17 Feb 2019 14:09:48 GMT

@Anonymous wrote:
So all of my cards were opened up between April of last year and Friday that just passed. I have about six different cards right now. And no those were actually my scores with Credit Karma and Sesame. I keep seeing many different things regarding fico is there a free app to pull up fico and if not what is a legitimate website to pull up my Fico scores

https://www.creditchecktotal.com/

$1.00 trial, just make sure to cancel once you grab your scores

Discover gives free monthly EX fico 8 https://www.discover.com/free-credit-score/

Re: Travel card

Anonymous — Sun, 17 Feb 2019 14:22:05 GMT

DSF's score is TU. Amex and wells are EX. I don't know who gives EQ (citi gives a Fico Bankcard 8 EQ score, its max is 900).

Re: Travel card

Remedios — Sun, 17 Feb 2019 14:20:55 GMT

@Anonymous wrote:
DSF's score is TU. Amex and wells are EX. I don't know who gives EQ.

Discover score card is free EX fico 8, dont need to be a cardholder

Cardholders get TU fico 8

Two different things.

Re: Travel card

Anonymous — Sun, 17 Feb 2019 14:23:00 GMT

@Remedios wrote:
@Anonymous wrote:
DSF's score is TU. Amex and wells are EX. I don't know who gives EQ.

Discover score card is free EX fico 8, dont need to be a cardholder
Cardholders get TU fico 8

Two different things.

thanks, good to know. good for DSF.

Re: Travel card

AverageJoesCredit — Sun, 17 Feb 2019 14:24:41 GMT

@Shadowfactor wrote:
Welcome to the forums!

Can you provide some more details about your credit profile such as number of accounts, age of accounts, AAoA, AoYA, FICO 8 scores etc.

There’s too many variables in play to make educated guesses off high 600’s score. There’s a lot more to your credit report then just your fico score.

An example : one of the moderators here was just declined for a travel credit card with an 800+ credit score because he wasn’t aware of a accounts/number of months rule. More and more banks are developing anti-churning rules. Not saying this applies to you but it’s good to have all the information so we can Help you make the best decision.

With all that being said. If the scores mentioned are FICO scores (not credit karma/other free apps) you could have a decent shot at the JetBlue MasterCard. Being that it’s a cobranded card, the UW requirements are usually less strict then other travel cards.

+1 Shadow. On another note, that was cold milk for Special K

Re: Travel card

Anonymous — Sun, 17 Feb 2019 15:00:10 GMT

Card 1 tj max $200 2/19
Card 2-$1000 P.C. Richards and son 1/19
Card 3-credit one $300 1/19
Card 4 discover it $750 3/18
Card 5 capital one-$500 3/18
Card 6 open sky $200 12/17
Average age shows 10 months, oldest account 3yrs 2months

Experian-639
Equifax-652
TransUnion-652

Re: Travel card

SouthJamaica — Sun, 17 Feb 2019 16:39:44 GMT

@Anonymous wrote:
So I have been improving my score all payments are always on time yada yada. Now I applied for a P.C. Richards and Marshall’s card and was approved scores high 600’s only report unlocked is TransUnion. however the one and only next card I really care to apply for is a travel card because I travel JetBlue a lot not just to me but with my kids as well. Has anyone had any luck in applying for travel rewards card with their score in the high 600s? Is it maybe best to wait until I hit the 700 mark? Would I have to have all 3 reports at the same score and unlocked to apply?

Since you travel a lot on JetBlue, the bureau you want pulled is TU, and your scores aren't very high, the logical choice is a Barclays JetBlue card. I love the JetBlue cards, but hate Barclays, but what can you do?

The other best way to get JetBlue points IMHO is the Citi Premier card, where the points are pretty easy to get and they trade 1:1 for JetBlue points, which are for me worth around 1.65 cents each.

Unfortunately, Citibank is unlikely to pull TU, more likely to pull EX.

Re: Travel card

Anonymous — Sun, 17 Feb 2019 19:25:20 GMT

Would best bet be to just hold off from any more inquiries get my score higher to 700 or bit higher then apply?

Re: Travel card

Anonymous — Sun, 17 Feb 2019 19:31:01 GMT

maybe wait a few month for better score, and for longer AAoA.

in the meantime, check to see if you are prequalified for an amex Gold charge card. It is a partner with jetblue, and it is overall a better card than jetblue card with barclay.

Re: Travel card

Shadowfactor — Sun, 17 Feb 2019 20:35:27 GMT

@Anonymous wrote:
maybe wait a few month for better score, and for longer AAoA.

in the meantime, check to see if you are prequalified for an amex Gold charge card. It is a partner with jetblue, and it is overall a better card than jetblue card with barclay.

It wasn’t entirely clear which JetBlue card the OP was interested in but if it’s the annual fee version.....

While the points earning may be better then the JetBlue card.

Amex sure isn’t giving you free baggage on JetBlue which can add up to some serious savings if you’re flying JetBlue a lot or with a family.

Of course the Gold card definitely has it’s perks/benefits as well.

OP,

your scores are pretty low and the credit lines you have are on the low end. I would personally garden for 3-6 months. Let those scores increase, ask for some CLI and continue to build your credit profile.

You may be able to get a amex charge card with your scores and may even be able to get the JetBlue card but you’re on the low end of approvals IMO.

Do you you have any negative items reporting ?

you can try the JetBlue prequalified trick. Go to buy airfare and type your info it and sometimes it will tell you if you’re prequalified for the card before completing payment.

Re: Travel card

SouthJamaica — Sun, 17 Feb 2019 20:46:34 GMT

@Anonymous wrote:
Would best bet be to just hold off from any more inquiries get my score higher to 700 or bit higher then apply?

I don't know, it's really your call. Sure your chances will be better the higher your scores are.

As @Anonymous points out, the Amex Gold is a pretty good card. Amex charge cards like that are probably easier to get than either the JetBlue or Citi Premier would be.

I disagree with @Anonymous about it being better than the JetBlue card. The JetBlue gives you more bang for your buck than any other card if you use JetBlue a lot. But Amex is a lot better institution than Barclays, though.