topic Re: BT cards with good starting CL? in Credit Cards

BT cards with good starting CL?

marcforza1 — Mon, 11 Mar 2019 15:46:54 GMT

Got two of my Cap1 cards PIF and my Chase Slate will also be PIF in April. So my goals for 2019 are working out as planned but now I want to get a BT card for the balance on my Chase FU card. Waiting to do this between May-July once I see an updated increase in my scores to take a chance at applying for one. Got a few cards picked out but also hoping for a good CL of at least $1500, though I know that starting CLs are out of my control.

Citi Diamond Preferred (0% APR period fits what I need)

BOA Bankamericard

HSBC Gold Mastercard

Any suggestions on any of these cards? I also thought of Citi DC or Simplicity but I've been told that Citi can be stingy with their starting CL.

Re: BT cards with good starting CL?

Remedios — Mon, 11 Mar 2019 15:49:22 GMT

What is holding your scores low?

The only other good BT card I cant think of is Everyday, but your EX is not quite there yet.

Re: BT cards with good starting CL?

Blackswizz750 — Mon, 11 Mar 2019 15:54:38 GMT

With your scores, Not sure you get the SL you want. Discover may be another option but do you have any negatives in your CR? Have you had any new cards in the last 6 months?

Re: BT cards with good starting CL?

marcforza1 — Mon, 11 Mar 2019 16:05:36 GMT

@Blackswizz750 wrote:
With your scores, Not sure you get the SL you want. Discover may be another option but do you have any negatives in your CR? Have you had any new cards in the last 6 months?

All of my cards had high utilization and balance on them. That's the only thing I can think of that's holding my EX score down. I haven't checked it since late December but I have gotten emails and notices about increases in my scores since then. Most recent card I got was the Shell Fuel Rewards card back in the beginning of February. That's part of the reason why I'm waiting until later in the summer to apply again. Don't want to start apping if my score or anything else is not enough to get approved.

Re: BT cards with good starting CL?

joltdude — Mon, 11 Mar 2019 16:14:02 GMT

Think you can get your scores up 10-15 points across the board? Think if you had 630s youd be in a better place even for Discover...

Id say try for Discover in a few months... their prequals are pretty reliable these days..

-J

Re: BT cards with good starting CL?

marcforza1 — Mon, 11 Mar 2019 21:42:44 GMT

Think you can get your scores up 10-15 points across the board? Think if you had 630s youd be in a better place even for Discover...

Id say try for Discover in a few months... their prequals are pretty reliable these days..

-J

Discover was going to be my last last resort option. But I think my scores will go up enough by the summer to where I can take a crack at it. It might already be above 630, but it's been awhile since I checked and updated in on my sig. I'll do a free report soon so I get get a good idea at where I'm at with all three bureaus.