topic Re: Equifax goal reached - What card should I apply for? in Credit Cards

Equifax goal reached - What card should I apply for?

bustinloose82 — Sat, 18 Apr 2020 21:03:31 GMT

I've reached my goal with Equifax. Please recommend three credit cards for me.

Re: Equifax goal reached - What card should I apply for?

Anonymous — Sat, 18 Apr 2020 20:35:01 GMT

We can't make recommendations without your FICO scores. You can get all three of your FICO 8 scores from creditchecktotal.com for a $1 (just make sure to cancel the trial so you don't get billed).

Your Credit Karma scores are VantageScore which can be wildly different in either direction from your FICO scores that lenders will use.

Re: Equifax goal reached - What card should I apply for?

bustinloose82 — Sat, 18 Apr 2020 20:47:01 GMT

@Anonymous wrote:
We can't make recommendations without your FICO scores. You can get all three of your FICO 8 scores from creditchecktotal.com for a $1 (just make sure to cancel the trial so you don't get billed).

Your Credit Karma scores are VantageScore which can be wildly different in either direction from your FICO scores that lenders will use.

Experian and Transunion reporting are behind.

Re: Equifax goal reached - What card should I apply for?

Anonymous — Sat, 18 Apr 2020 21:08:39 GMT

760 with an EQ puller will usually get the farm. The problem is finding EQ pullers. Usually exclusive EQ pullers are going to be credit unions. Your other two scores are by no means bad though.

What are you looking for - low APR, rewards, travel? And does it have to be an EQ puller?

Re: Equifax goal reached - What card should I apply for?

bustinloose82 — Sat, 18 Apr 2020 21:13:42 GMT

@Anonymous wrote:
760 with an EQ puller will usually get the farm. The problem is finding EQ pullers. Usually exclusive EQ pullers are going to be credit unions. Your other two scores are by no means bad though.

What are you looking for - low APR, rewards, travel? And does it have to be an EQ puller?

It doesn't have to be an EQ puller. Low APR would be good. 0% BT would be good, but not a deal-breaker.

Re: Equifax goal reached - What card should I apply for?

Anonymous — Sat, 18 Apr 2020 21:29:15 GMT

@bustinloose82 here are a few cards

EQ Puller: PenFed Gold Visa, 8.99%APR, 0% BT for 12 months, 3% BT fee

EQ and/or EX: Citi Double Cash, 13.99% APR, 0% BT for 18 months, 3% BT fee

TU Puller: NFCU Platinum, 7.49% APR, 0% BT for 12 months, 0% BT fee

A 2nd Discover IT, 11.99% APR, 0% BT for 14 months, 3% BT fee

Re: Equifax goal reached - What card should I apply for?

CreditCuriosity — Sat, 18 Apr 2020 21:39:04 GMT

@Anonymous wrote:
@bustinloose82 here are a few cards
EQ Puller: PenFed Gold Visa, 8.99%APR, 0% BT for 12 months, 3% BT fee
EQ and/or EX: Citi Double Cash, 13.99% APR, 0% BT for 18 months, 3% BT fee
TU Puller: NFCU Platinum, 7.49% APR, 0% BT for 12 months, 0% BT fee
A 2nd Discover IT, 11.99% APR, 0% BT for 14 months, 3% BT fee

See a bit of flaw in your logic as nothing is guaranteed on on going APR.. PenFed in my main CU and have score right around 800 and can tell you I have never gotten their best apr, this also applies for citi as well.. It can happen, but certainly not just score driver and not guaranteed. Same goes for NFCU and discover... Granted all these cards do have a 0% for first for BT's for first 12 moths usually with a fee associated other then what you listed NFCU here. Most likely OP wouldnt get the best ongoing rates on any of the cards above with their scores IMHO.

Example my PenFed card I believe is around 14.xx with 800 score, my Citi Card is probably around 13% now with FED rate cuts and having card for awhile and calling and nagging them about how high my APR was and got it down over many months/years. NFCU is easier to get the best APR, but not guaranteed and discover you can find out by running their Pre-qual tool on APR... With Discover and Citi your initial CL will most likely be pretty disappointing as well

Re: Equifax goal reached - What card should I apply for?

bustinloose82 — Sat, 18 Apr 2020 21:42:43 GMT

@CreditCuriosity wrote:
@Anonymous wrote:
@bustinloose82 here are a few cards
EQ Puller: PenFed Gold Visa, 8.99%APR, 0% BT for 12 months, 3% BT fee
EQ and/or EX: Citi Double Cash, 13.99% APR, 0% BT for 18 months, 3% BT fee
TU Puller: NFCU Platinum, 7.49% APR, 0% BT for 12 months, 0% BT fee
A 2nd Discover IT, 11.99% APR, 0% BT for 14 months, 3% BT fee
See a bit of flaw in your logic as nothing is guaranteed on on going APR.. PenFed in my main CU and have score right around 800 and can tell you I have never gotten their best apr, this also applies for citi as well.. It can happen, but certainly not just score driver and not guaranteed. Same goes for NFCU and discover... Granted all these cards do have a 0% for first for BT's for first 12 moths usually with a fee associated other then what you listed NFCU here. Most likely OP wouldnt get the best ongoing rates on any of the cards above with their scores IMHO.

Example my PenFed card I believe is around 14.xx with 800 score, my Citi Card is probably around 13% now with FED rate cuts and having card for awhile and calling and nagging them about how high my APR was and got it down over many months/years. NFCU is easier to get the best APR, but not guaranteed and discover you can find out by running their Pre-qual tool on APR... With Discover and Citi your initial CL will most likely be pretty disappointing as well

What would you recommend for a strong initial CL? I'm not set on a BT card as I'll be able to pay my current balances off in a few months.

I'm also open to good travel cards, specifically for cruise rewards.

Re: Equifax goal reached - What card should I apply for?

KJinNC — Sat, 18 Apr 2020 21:54:23 GMT

Lots of options with your scores, IMO. I didn't notice a dining rewards card, other than some that cover various categories including that, like Costco. I might consider Propel, which is 3x on dining and 3x on cruise lines. Savor is another option, but features the dreaded triple-pull. If you are ok with annual fees, you might want to consider Amex Gold.

The only two I know of that only ever (I think?) pull Equifax are PenFed and Coastal. Coastal is only available in a geographic area if criteria are met and their cards are nothing special, so I wouldn't worry about them unless you're already a member. Others, including Chase and Discover, may pull only Equifax depending on your location and whatever other factors that aren't publicly known. But I don't think you need to limit yourself to EQ-only.

JMO, good luck!

Re: Equifax goal reached - What card should I apply for?

M_Smart007 — Sat, 18 Apr 2020 22:00:24 GMT

@bustinloose82 wrote:
I've reached my goal with Equifax. Please recommend three credit cards for me.

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910

Re: Equifax goal reached - What card should I apply for?

Anonymous — Sat, 18 Apr 2020 22:19:15 GMT

@bustinloose82

General Travel Cards,

-Wells Fargo Propel, NO AF

-NFCU Flagship, $49 AF

-Capital One Venture, $95 AF, waived first year

-Chase Sapphire Preferred/Reserved, $95/$550 AF

The NFCU Flagship, Capital One Venture, and CSP/CSR yield high SL depending on your profile and income.

Re: Equifax goal reached - What card should I apply for?

recoveringfrombk7 — Sat, 18 Apr 2020 22:20:14 GMT

@CreditCuriosity wrote:
@Anonymous wrote:
@bustinloose82 here are a few cards
EQ Puller: PenFed Gold Visa, 8.99%APR, 0% BT for 12 months, 3% BT fee
EQ and/or EX: Citi Double Cash, 13.99% APR, 0% BT for 18 months, 3% BT fee
TU Puller: NFCU Platinum, 7.49% APR, 0% BT for 12 months, 0% BT fee
A 2nd Discover IT, 11.99% APR, 0% BT for 14 months, 3% BT fee
See a bit of flaw in your logic as nothing is guaranteed on on going APR.. PenFed in my main CU and have score right around 800 and can tell you I have never gotten their best apr, this also applies for citi as well.. It can happen, but certainly not just score driver and not guaranteed. Same goes for NFCU and discover... Granted all these cards do have a 0% for first for BT's for first 12 moths usually with a fee associated other then what you listed NFCU here. Most likely OP wouldnt get the best ongoing rates on any of the cards above with their scores IMHO.

Example my PenFed card I believe is around 14.xx with 800 score, my Citi Card is probably around 13% now with FED rate cuts and having card for awhile and calling and nagging them about how high my APR was and got it down over many months/years. NFCU is easier to get the best APR, but not guaranteed and discover you can find out by running their Pre-qual tool on APR... With Discover and Citi your initial CL will most likely be pretty disappointing as well

My second discover came in at 14,500. My first was a secured/ 2500$ deposit. I understand discover is inconsistent, but it was a surprisingly high limit for me 1 year post bk.

Re: Equifax goal reached - What card should I apply for?

KJinNC — Sat, 18 Apr 2020 22:22:35 GMT

@recoveringfrombk7 wrote:
I understand discover is inconsistent

MyFICO understatement of the century

Re: Equifax goal reached - What card should I apply for?

bustinloose82 — Sat, 18 Apr 2020 22:27:18 GMT

@Anonymous wrote:
@bustinloose82
General Travel Cards,
-Wells Fargo Propel, NO AF
-NFCU Flagship, $49 AF
-Capital One Venture, $95 AF, waived first year
-Chase Sapphire Preferred/Reserved, $95/$550 AF

The NFCU Flagship, Capital One Venture, and CSP/CSR yield high SL depending on your profile and income.

Venture is definitely one I like, but I just did the pre-approval or pre-qualify on Capital One and it said they couldn't match me to a card.

Re: Equifax goal reached - What card should I apply for?

ChargedUp — Sat, 18 Apr 2020 22:30:55 GMT

Doesn't the currrent "flavor of the month", AOD pull EQ for the 3% card?

All the card I have aside from PenFed like to tag EX/TU for the most part. PenFed will tag you once for the membership, then once for the card. (2 HP's)

Re: Equifax goal reached - What card should I apply for?

Anonymous — Sat, 18 Apr 2020 22:31:50 GMT

@bustinloose82 wrote:
@Anonymous wrote:
@bustinloose82
General Travel Cards,
-Wells Fargo Propel, NO AF
-NFCU Flagship, $49 AF
-Capital One Venture, $95 AF, waived first year
-Chase Sapphire Preferred/Reserved, $95/$550 AF

The NFCU Flagship, Capital One Venture, and CSP/CSR yield high SL depending on your profile and income.

Venture is definitely one I like, but I just did the pre-approval or pre-qualify on Capital One and it said they couldn't match me to a card.

I think Capital One changed their pre-qualify tool recently to only show 3 cards:

"We only consider your eligibility for three credit cards–QuicksilverOne, Platinum and Secured Mastercard"

If you want the Venture Card, I would just go for it.

Re: Equifax goal reached - What card should I apply for?

bustinloose82 — Sat, 18 Apr 2020 22:32:46 GMT

@ChargedUp wrote:
Doesn't the currrent "flavor of the month", AOD pull EQ for the 3% card?

All the card I have aside from PenFed like to tag EX/TU for the most part. PenFed will tag you once for the membership, then once for the card. (2 HP's)

What's AOD, and what's so great about PenFed. Everyone seems to be talking about it.

Re: Equifax goal reached - What card should I apply for?

Anonymous — Sat, 18 Apr 2020 22:36:28 GMT

@bustinloose82 wrote:
@ChargedUp wrote:
Doesn't the currrent "flavor of the month", AOD pull EQ for the 3% card?

All the card I have aside from PenFed like to tag EX/TU for the most part. PenFed will tag you once for the membership, then once for the card. (2 HP's)
What's AOD, and what's so great about PenFed. Everyone seems to be talking about it.

AOD FCU Visa Signature is new 3% Cashback card from Alabama. Nothing is special about PenFed. They only pull EQ 9.

Re: Equifax goal reached - What card should I apply for?

KJinNC — Sat, 18 Apr 2020 22:40:42 GMT

Nothing is special about PenFed in the context of whether they are overall better than everybody else. They aren't. But every bank or CU has unique aspects, and what's unique about PenFed is that they pull EQ 9 and they are a credit union that, best I can tell, anybody in America can join. Their cards may or may not fit any given person's needs. They are solid, nothing jaw-dropping. Of course, opinions vary.

Re: Equifax goal reached - What card should I apply for?

bustinloose82 — Sat, 18 Apr 2020 22:41:53 GMT

@Anonymous wrote:
@bustinloose82 wrote:
@Anonymous wrote:
@bustinloose82
General Travel Cards,
-Wells Fargo Propel, NO AF
-NFCU Flagship, $49 AF
-Capital One Venture, $95 AF, waived first year
-Chase Sapphire Preferred/Reserved, $95/$550 AF

The NFCU Flagship, Capital One Venture, and CSP/CSR yield high SL depending on your profile and income.

Venture is definitely one I like, but I just did the pre-approval or pre-qualify on Capital One and it said they couldn't match me to a card.

I think Capital One changed their pre-qualify tool recently to only show 3 cards:
"We only consider your eligibility for three credit cards–QuicksilverOne, Platinum and Secured Mastercard"

If you want the Venture Card, I would just go for it.

I'm torn between Venture and Chase Sapphire Preferred.